The Property Nerds

The banks control the rules but they don't control which lender you use. In this episode of Property Nerds, Arjun Paliwal sits down with Jack Fouracre from Fouracre Financial to break down exactly how savvy investors are using smarter lending strategies to borrow more, hold more, and build wealth faster.💡 What you'll learn:→ Why a single rate rise only shifts borrowing capacity by ~$20–30k (and what actually matters more)→ How third-tier lenders with 40-year loan terms and lower stress buffers unlock hundreds of thousands in extra capacity→ The real impact of rate rises on investors vs owner-occupiers (hint: negative gearing helps a lot)→ Why brokers now hold 80% market share — and how that forces banks to change their policies→ The equity release + offset account strategy that lets you hold negatively geared properties without feeling the pain→ Arjun's personal formula: saving 25–45% of net household income to "hold the fort" while your assets compound🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au✅ CONNECT WITH INVESTORKIT:Website: 👉 https://www.investorkit.com.auSend your questions to: 👉 arjun@investorkit.com.auFollow us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitChapters0:31 Meet Jack Fouracre (Fouracre Financial) & why property is a finance game3:01 Arjun's book: Driving the Data3:31 How rate rises actually affect borrowing capacity6:01 Major banks vs third-tier lenders explained8:01 Real example: $300k deposit vs $150k cash buffer kept9:01 The equity release + offset buffer strategy13:31 Compounding growth vs negative cash flow18:31 The savings formula: 25–45% of net income23:01 Brokers have 80% market share — what that means for youCONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/LinkedIn: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/LinkedIn: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/LinkedIn: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Over $4.6 trillion sits inside the Australian super system, but for many investors, it’s simply left inside default funds with little control over how it’s invested.In this episode of The Property Nerds, we sit down with Natalia Clack from Easy Super to unpack the growing trend of Australians taking control of their retirement savings through Self Managed Super Funds (SMSFs) and how property is becoming part of that strategy.We unpack:Why SMSFs surged in popularity after 2020The biggest mistakes people make when setting up a fundHow Australians are using super to invest in propertyWhy borrowing power outside super is pushing investors to look inside itThe common balances and ages where SMSFs start to make senseIf you’ve ever wondered whether your super could be working harder for you, this episode breaks down the structure, risks and opportunities investors need to understand.Timestamps:02:10 - Natalia’s 22 Year Journey in the SMSF Industry04:20 - Why SMSFs Surged After 202006:00 - Borrowing Power & Why Investors Look to Super07:45 - The Biggest SMSF Mistakes People Make11:40 - Why the Right Specialist Team Matters14:55 - Typical SMSF Balances & Who It’s For20:50 - Can You Pay Expenses Before Your SMSF Is Set Up?24:00 - How Much Cash Buffer an SMSF Should Hold27:00 - Crypto, Gold & Alternative Assets Inside SuperCONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we break down what’s actually happening inside SMSF lending right now… and why it’s opening doors most investors don’t even realise exist.From 90% LVR opportunities to commercial deals that can cashflow from day one, this episode is all about understanding what your super can actually do when lending strategy is done right.We walk through real numbers, real scenarios, and where most people either unlock growth… or get stuck.Because in property, it’s not just what you buy, it’s how you structure it.Timestamps:01:20 - More lenders entering the SMSF space02:40 - 90% LVR in SMSF (and why it’s a game changer)04:40 - Who this strategy actually works for07:10 - Residential SMSF: what a $600K deal looks like10:45 - Why contributions + rent matter more than you think12:00 - Commercial SMSF explained18:20 - The biggest mistake investors make with SMSF strategy

In this episode of The Property Nerds, we break down how he went from working full time while studying, to buying his first investment at 23 and scaling to three properties across multiple states using strategy, not luck.This isn’t a story about earning crazy money. It’s about decisions, discipline, and understanding how the game actually works.We unpack:Why buying in your own backyard can hold you backThe small money habits that accelerated his first depositHow one decision changed everythingWhat most first time buyers get wrong about apartmentsHow equity replaced saving for his second propertyIf you’re in your 20s and feel like Sydney has priced you out, this episode will show you what’s actually possible when you shift your strategy.Because property isn’t about where you live. It’s about how you play the game.Timestamps:05:11 - Why Sydney felt impossible at the start06:09 - The advice that stopped him buying units08:29 - Why buying in your own backyard can be a mistake12:39 - First property18:59 - Using equity to fund property #221:05 - The reality of rising debt and cash flow pressure27:05 - Third property + shifting to non-bank lending31:48 - His advice for anyone starting in their 20s

In this episode of The Property Nerds, we sit down with an investor who asked a simple question years ago: “Do you think we’re in a position to buy a house?” What followed was a seven year journey building a diversified portfolio across Australia before ultimately purchasing a Sydney home.From borderless investing to buying in markets most Sydney buyers overlook, this episode unpacks the strategy, mindset and lessons behind building a portfolio of eight properties worth over $7 million.We unpack:Why he chose to invest outside Sydney early in his journeyHow borderless investing opened up opportunities across multiple statesThe Adelaide purchase that nearly doubled in valueWhy “ugly” properties can outperform beautiful onesHow investing first helped unlock the ability to buy a Sydney homeThis episode is a real world case study of how long-term strategy, disciplined decision-making, and diversification can compound into serious results.Timestamps:02:15 - The question that started the journey05:10 - Why he looked outside Sydney first12:05 - Treating property like a “bricks and mortar bank account”15:50 - Regional investing and the Toowoomba purchase19:30 - Dealing with maintenance and investor mindset23:10 - The off the plan mistake that went backwards27:00 - Moving from growth to passive income assets30:45 - The importance of portfolio reviewsWhether you're considering your first investment, thinking about buying interstate, or wondering how investors actually build portfolios large enough to change their financial future, this episode offers a transparent look at the journey behind the numbers.CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Are you on the list of professionals who can borrow at 90-95% with no LMI?Most property investors assume they need a 20% deposit.Many wait years to avoid Lenders Mortgage Insurance. But in 2026, there are dozens of professions quietly accessing high-leverage loans without paying a cent in LMI.Doctors know.Some lawyers know.Most investors don’t.In this episode of The Property Nerds, we break down how LMI actually works, which jobs qualify for waivers, and when paying LMI might actually make you more money.We unpack:The professions eligible for 90-95% LMI waiversWhy banks offer waivers to certain industriesThe partial LMI refund strategy most investors don’t know aboutWhen to stop using high leverage in your portfolioA real whiteboard comparison: 90% waiver vs 97% with LMIIf you’re building your first property, scaling your 3rd, or trying to move faster without waiting years to save a deposit, this episode will change how you think about leverage.Because in Australia, property isn’t just about price, it’s about finance strategy.Timestamps:02:15 - What Lenders Mortgage Insurance Actually Is05:40 - The Partial LMI Refund Most Investors Miss08:50 - Professions That Qualify for 95% Loans12:10 - Government Schemes & First Home Buyer Guarantees16:05 - 90% Waiver vs 97% With LMI18:45 - When Paying LMI Makes Financial Sense20:10 - When to Ditch the LMI Waiver Strategy21:30 - Scaling Beyond Your First 2-3 PropertiesWhether you’re trying to enter the market sooner, stretch your deposit further, or optimise your finance strategy for long term scaling, this is an episode you need to hear.CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Are the banks quietly shutting the door on trust lending?Major lenders are pulling back. Macquarie stepped out. CBA tightened policy. ANZ followed. Anti money laundering reforms are expanding. DTI limits are biting. Suddenly, the “endless borrowing” strategy many investors relied on looks very different in 2026.In this episode of The Property Nerds, we break down what’s really happening in the lending landscape and what it means for property investors building portfolios today.Is trust lending dead?Or is it simply evolving?We unpack: Why major banks are stepping away from new trust lendingThe regulator pressure and DTI limits most investors don’t seeHow non bank lenders are filling the gapWhy “unlimited borrowing” was never a real strategyThe difference between tax planning vs borrowing capacity playsIf you’re planning to buy your 2nd, 3rd or 5th property, this episode will help you understand how lending strategy, not just rate shopping, determines whether you scale or stall.Because property is a game of finance first.Timestamps:02:10 - What Actually Changed in Trust Lending04:45 - Why Macquarie’s Exit Caused Panic07:30 - Anti Money Laundering & Regulatory Pressure10:20 - The Truth About “Endless Borrowing”13:15 - Are Non Banks the New Power Players?16:40 - SMSF Lending Déjà Vu19:30 - Major Banks vs Smaller Lenders Explained22:10 - Why Rate Shopping Can Cost You Long Term24:50 - The 3-4 Property Reality Most Investors IgnoreWhether you’re structuring your first investment properly, reassessing your current portfolio, or trying to understand how to scale in a tighter lending environment, this is an episode you need to hear.CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Is the Inner West becoming Sydney’s new Eastern Suburbs?This week’s guest, Ramon Raneal, is a leading Inner West real estate agent who’s sold over 200 properties across the region and gives us an insider’s view on what’s really driving Sydney’s $2M terrace market.In this episode of The Property Nerds, we unpack one of Sydney’s most debated markets, the Inner West. From $2M “first homes” on small blocks to families migrating from Coogee and the Lower North Shore, we explore why buyers are paying premium prices for lifestyle, proximity, and identity.We unpack:Why 160sqm terraces are competing with larger blocksThe post COVID buyer shift into the Inner WestYoung families and down sizers driving demandWhy land size doesn’t mean what it used toHow 3-6 month settlements are reshaping negotiationsIf you’re investing in Sydney, planning to upgrade, or building a long term portfolio, this episode breaks down the psychology, numbers and strategy behind one of Australia’s most tightly held markets.Timestamps:02:15 - What Defines the Inner West04:20 - $2M First Homes & PostCOVID Shifts06:45 - Why Land Size Doesn’t Matter Here09:30 - The 160sqm Terrace Debate12:10 - Investor vs Owner Occupier Mindset14:30 - How to Sell in the Inner West18:40 - Street by Street Price Differences Explained21:50 - 3-6 Month Settlements & Changing Negotiation Trends24:40 - The One Upgrade Sellers Shouldn’t IgnoreWhether you’re chasing lifestyle, capital growth, or future consolidation, this is one you need to understand.CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we sit down with Paige Hadley to unpack the side of elite sport most people never see, the uncertainty, the sacrifice and the brutal reality that a professional playing career has a time limit.Paige Hadley is one of Australia’s most respected netballers, with a career spanning from world cups to commonwealth games and international representation for the Diamonds. Known for her consistency, leadership and longevity at the elite level, Paige has spent more than a decade performing in high pressure, high performance environments, where contracts are short, careers are finite and planning for life beyond sport is essential.Paige shares what finally made her start thinking seriously about money, wealth, and life after netball, how she and her partner Jordan approached property investing with contract based income and why building the right “support team” (just like sport) was the turning point that made investing feel possible and repeatable.We cover: The BTS reality of pro sport: uncertainty, sacrifice and why career length changes how athletes think about moneyHow Paige started investing with contract income and the mindset shift that took her from “I’ll just save” to building real long term wealthWhy a support team matters, how data builds confidence, and why going borderless is often the smarter moveTimestamps:02:40 - “Netball isn’t forever”: when life after sport became real08:10 - Building a business alongside sport14:20 - What athletes should know about income, career length, and wealth17:10 - The mindset shift from living “contract to contract” to long term thinking22:40 - “I wouldn’t have done it alone” why support systems matter25:30 - Sydney prices and why most people do nothing27:40 - Why helping women invest is personal for Paige30:00 - What holds people back from starting33:10 - Motherhood, money choices and freedom36:00 - Taking the plunge, asking questions, building your futureIf you’ve been waiting until you “earn more,” feel more confident or have it all figured out this episode is the reminder that confidence comes after action, and the right strategy + team can change everything.CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we break down one of the most common investor assumptions: that chasing a higher rental yield will meaningfully boost your borrowing capacity.Plus, we unpack a timely SMSF lending update that could change how some investors think about leverage and diversification: 90% LVR options without risk fees, and what that may mean in practice.If you’ve been filtering suburbs based on yield, this episode is your reset.We cover:1. Why yield obsession usually shows up too late and why it rarely moves borrowing capacity the way people think2. How a 0.5% yield increase can equal only a modest borrowing bump once banks shade rent and apply DTI limits3. The bigger levers that actually scale portfolios: income, strategy, savings rate, and lending options4. What’s changing with higher LVRs and no risk fees, and why it matters for liquidity and diversification inside the fundTimestamps:00:00 – “If you’re stressing about yield… it’s probably too late”01:10 – Rental yield impact on borrowing capacity: the big misconception03:17 – Why a higher yield feels logical 06:01 – The hidden cost: fewer markets, longer search time, missed upside07:48 – “Cash flow isn’t king”10:00 – Why higher prices often mean lower yields11:01 – Fixed costs don’t scale like prices 16:30 – Why negative cash flow is more normal now18:41 – Growth vs cash flow framing21:05 – 90% LVR options and what’s changed22:16 – Why that’s a meaningful difference24:00 – Stop chasing yield, start building strategicallyIf you’ve been telling yourself “I just need a higher yield first,” this episode will help you zoom out, run the real numbers and focus on the variables that actually move the needle, without delaying your next purchase for the wrong reason.CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/