Sam Black Sessions

We’re back for 2026 and kicking things off in the new (almost finished) podcast studio with Ryan Houston for a deep dive into one of the biggest decisions developers face: volume builders vs custom builders. In this episode, we break down: • Why your end buyer should always come first and how that decision shapes everything from design to builder selection • The real differences between volume bui...

Sam Black and Brendan Lowbridge unpack SMSF

In this episode, Sam Black and Ryan Houston dive deep into the hidden costs that can blindside even experienced property developers. From surprise DA conditions to mine subsidence blowouts, they share real-life stories and practical lessons from projects across Newcastle. You’ll hear how a simple council requirement turned into a $15,000 curveball, why a developer’s $50k grouting allowance balloon...

In this episode, Sam Black sits down with Brendan Lowbridge from MoneyLinks to unpack how aspiring developers can make the leap from renovating to their first small-scale development, such as a duplex project. They explore why many investors—despite having strong equity positions—struggle to progress due to serviceability limits or lack of accessible capital, and how joint ventures (JVs) can be th...

In this episode of Development Insights, Sam Black and Ryan Houston reflect on two years of consistency—both in recording the podcast and in their own property businesses. They dive into how staying disciplined, even through uncertainty, has been the key driver of growth and bigger opportunities. Sam shares how stepping into the unknown can feel uncomfortable, but it’s also what pushes developers...

Hosts: Sam Black & Brendan Lowbridge In this episode of Money Chat, Sam and Brendan dive deep into the realities of financing small-scale property developments — from duplexes and triplexes to boutique townhomes. They unpack why the big banks often treat construction loans like home loans, the hurdles that creates for developers, and how non-bank lenders step in with more commercial, flexible...

In this episode of Development Insight, Sam Black and Ryan Houston dive into one of the most overlooked risks in property development—zoning changes. They unpack why proposed zoning shifts on development sites may not always be feasible, especially when councils and resources don’t align with developer expectations. The discussion highlights the importance of thorough due diligence, with a focus o...

In this episode, I sit down with Ryan Howston to unpack the real highs and lows of property development. From the importance of cash flow and buffers, to lessons learned through wins and losses, we dive deep into why scaling up requires more than just capital—it’s about strategy, longevity, and building a trusted brand. Whether you’re just starting with renos and granny flats or eyeing $10M+ proje...

An inside look at the “thrill of the chase” in property development — from spotting the perfect site to making smart, logical offers that beat emotional buyers without blowing your margins.

In this episode, we dive deep into the world of subdivisions and how savvy investors can manufacture equity and fast-track their portfolio growth. From deciding whether to buy in your personal name or through a trust or company, to understanding how to finance not just the purchase but also the renovation and subdivision costs — this is your complete guide. We unpack why subdividing first (rather...

Development Insight with Ryan Houston

Money Chats Ep 36 (with Brenden Lowbridge)

Development Insight with Ryan Houston

Development Insight with Ryan Houston

Money Chats Ep 35 (with Brenden Lowbridge)

In this episode of Development Insights , we sit down with Ryan Houston to unpack the real challenges first-time developers face—particularly navigating the DA and CC process in NSW. We dive into key differences between a DA (which sets what you can do) and a CC (how you actually do it), the importance of early due diligence, and why engaging consultants—like town planners, heritage or soil expert...

In this episode, Sam and Brendan break down Labor’s new first homebuyer policies following the federal election. Key changes include a $1.5M purchase cap , no income threshold, and the Help to Buy scheme , where the government co-owns up to 40% of a home to boost affordability. They explore how these changes could reshape buyer behaviour , unlock opportunities for essential workers, and shift dema...

In this episode, Sam and Brendan break down the real financial journey of a development project —from buying land to securing construction finance and managing interest costs. Using a $2 million duplex example, they explore the equity requirements, borrowing strategies, and key timing factors that can make or break a deal. They discuss the importance of working with a builder early, understanding...

Development Insights with Sam Black & Ryan Houston In this episode, Sam and Ryan dive into the importance of due diligence when assessing development sites. They explore how overlays like flood zones, bushfire risks, and heritage restrictions can dramatically affect what’s possible on a block—and how tools like ArchiStar and the NSW Planning Portal can speed up the process. They share real-wor...

In this episode of Money Chats , Sam sits down with finance expert Brendon Lowbridge to unpack the myths around serviceability for business owners. They dive into how lenders assess income from salary, profit, and one-off expenses — and how recent lender policy changes now allow some self-employed people to be treated like PAYG employees. The duo also explore how business structure choices like tr...

Buying property in Australia while earning overseas? We cover deposit requirements, lender buffers, currency conversions, and key tax tips. Tune in to make your investment smoother!

Brendan Lowbridge joins us to break down the latest interest rate cut, its impact on borrowing power, and shifting market sentiment. We discuss lender competition, buyer confidence, and what to expect in the property market. A must-listen for buyers, sellers, and investors!

Development Insights with Sam Black & Ryan Houston. This podcast covers two major property market shifts: the recent interest rate drop, boosting buyer confidence, and the Low-Medium Density Residential (LMR) reform in NSW. The hosts discuss how zoning changes in areas like Lake Macquarie and Newcastle now allow for higher-density developments, increasing property values and investment opportu...

In this episode Brendan Lowbridge explores interest-only vs. principal and interest loans, highlighting cash flow benefits, offset accounts, and debt reduction strategies. He emphasizes leveraging investments to accelerate loan payoff and maximize financial growth through property appreciation.

Development Insights with Sam Black & Ryan Houston explores property development strategies, financial risk management, and the mindset for success. We discuss leveraging debt, stepping out of comfort zones, and building networks through public speaking. Tune in for expert insights on growing wealth through real estate and smart investments!