First Time Property Investor

The episode explains recent changes that will shut off new borrowing through SMSFs for residential property, while noting what hasn’t changed: SMSFs still exist, commercial property lending via SMSF remains possible, and residential property can still be bought outright with cash. The hosts argue the change affects less than 1% of lending and is being catastrophised by industry players who profit...

This is part two of Julia's story - a cautionary tale about a seasoned property investor who built $350,000 in equity across two properties, only to find herself in a situation that could cost her everything. In part one, the hosts walked through the story at a high level. In this episode, they slow it right down: breaking apart each of the 10 red flags in Julia's purchase journey - not just what...

What happens when a successful investor follows advice from people they thought they could trust? In this episode, the team unpacks the real-life story of Julia, a migrant who worked tirelessly to build wealth through property, only to find herself locked into two unconditional contracts that put more than $350,000 of equity at risk. From community referrals and educational seminars to referral co...

With recent property tax changes reshaping the investment landscape, many first-time investors are asking the same question: should you buy established property or consider a new build instead? In this episode, the team breaks down a practical five-step framework covering the recent budget changes, investment timeframes, borrowing capacity, cashflow, and risk. Learn how each factor can influence y...

With more investors considering new builds, knowing how to separate opportunity from marketing hype has never been more important. In this episode, the team breaks down a practical framework for researching new build investment properties, including what makes a location attractive, the key data points to analyse, and the red flags that often signal trouble ahead. Learn why established suburbs con...

In the first episode of our new Investor Confessions series, Pete shares the real stories behind his eight-property journey—the wins, the mistakes, and the lessons he learned the hard way. From selling a Perth property too early and missing out on hundreds of thousands in growth, to the hidden costs of self-managing tenants and sitting on the fence when opportunities appeared, this is an honest lo...

Thinking about using a buyer’s agent but unsure if it’s actually worth it? In this episode, the team answers 12 common questions first-time investors ask, covering a range of topics from off-market deals and hidden commissions, to fees, red flags, hotspots, and whether buyer’s agents really improve long-term outcomes. Learn how good buyer’s agents structure their process, where investors often get...

Originally prepared for clients, this presentation breaks down what’s actually changing in Budget 2026, what isn’t, who is protected, and what different types of property investors should be thinking about now. As a mortgage broker and Qualified Property Investment Advisor, my goal here is to cut through the clickbait and explain what actually matters. Inside, I cover: Negative gearing changes CGT...

If you think owning an investment property means you can do whatever you want with it, this episode might surprise you. The team breaks down 12 common landlord assumptions that regularly catch first-time investors off guard, from ending leases and increasing rent, to pets, renovations, repairs, and tenant rights. Learn what landlords legally can’t do, where investors often get themselves into trou...

This episode breaks down the critical gap between finding a property and confidently making an offer, giving first-time investors a clear 5-step framework to follow. Learn how to assess location and value, avoid emotional decision-making, and set a “sleep at night” price that aligns with your goals and risk tolerance. The team also unpacks how to handle agents, understand offer campaigns, and stru...

In this episode, your hosts debunk seven common myths that trip up first-time property investors, from chasing big blocks to trusting the wrong people. If you're just starting out on your property journey, save, download or bookmark this episode - it'll help frame the decisions you make along the way. Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who...

This week, your hosts break down a real client scenario: a dual-income family on $160k with two kids deciding between buying two ~$400k investment properties or one ~$800k property to build wealth and retire early.  Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting adv...

This episode of the First Time Property Investor podcast is for Australians who want to invest in property but feel stuck between analysis paralysis, conflicting advice, and the fear of making an expensive mistake. In this episode, your hosts unpack why waiting feels safe, the hidden costs of delaying, and how the market can move while you’re on the fence. You’ll learn the difference between a hea...

This week's episode introduces the “Go To Sleep Framework,” a five-step process to help first-time property investors decide if they’re ready to invest in a way that feels safe and sustainable as property gets more expensive.  Connect with us? ➜ https://linktr.ee/ftpi.pod 00:00 Introducing the Go To Sleep Framework 00:50 Step One: Vision 03:58 Step Two: Lifestyle Tradeoffs 07:15 Step Three Cash Fl...

Today we speed-run 20 of the most common questions first-time investors are asking ChatGPT, cutting through the fluff with real-life insights you can use today.  Connect with us ➜ https://linktr.ee/ftpi.pod 00:12 Buy Now or Wait 00:48 Negative Gearing Reality 01:16 Borrowing Power Basics 02:05 Using Home Equity 02:59 IO vs P and I Loans 04:40 True Holding Costs 06:33 Estimating Rent Properly 08:02...

The episode unpacks how interest rate hikes and proposed capital gains tax discount changes may affect first-time property investors, arguing many headlines create unnecessary fear. Skye warns landlords against matching rate rises with sharp rent increases because tenants now have more choice and even short vacancies hurt returns. Pete explains preparing investors with conservative cashflow planni...

The hosts discuss why first-time investors often miss good opportunities in a fast market by panicking over “red flags” that are frequently manageable. They explain how items flagged in building and pest reports can often be costed and negotiated while stressing the importance of using an independent, reputable inspector. They also cover financial conditions that may not be red flags: a slightly m...

Welcome to the First Time Property Investor Podcast! In this reboot episode, the hosts unveil their exciting new direction, transitioning from the 'Toxic Property' podcast to the 'First Time Property Investor' podcast, or FTPI for short. They discuss the motivation behind the rebrand, aiming to cater specifically to first-time and relatively new property investors. The hosts emphasise the importan...

With over 15 property purchases between them, our hosts share hard-earned lessons from their property investment journeys. From avoiding emotional investments and having a solid debt strategy, to diversifying your portfolio, they spill the beans on the costly mistakes they've made - saving you potentially hundreds of thousands of dollars. Featuring personal stories and practical advice, this episo...

Rental Yields Under Pressure: Strategies for Property Investors in a Changing MarketThe podcast episode discusses the unexpected decline in rental yields and provides actionable advice for property investors to protect their investments. Key topics include the definition and importance of rental yield and vacancy rates, the impact of current market changes on rents, and the importance of strategic...

Price guides for properties are often misleading and can create unrealistic expectations for buyers. In this episode, the hosts take listeners through a recent live auction involving a mutual client. They explain why most bidders were unable to place a bid and share strategies on how to secure a home in a hot market. The episode covers pre-auction preparation, including client expectations, proper...

This episode dives deep into the first two weeks of the First Home Guarantee Scheme changes - the imminent property price surge, increasing open house attendances, and fierce competition among first home buyers and investors alike. We discuss strategic tips for navigating the competitive market, from shortening finance clauses to staying realistic about rental yields. Hear firsthand accounts of cu...

Delving into part five of the selling season series, this episode explores crucial steps to get finance ready using the LOANS framework: Live Clean, Organize Evidence, Affordability Check, Nail the Structure, and Secure Pre-Approval. The discussion covers managing financial hygiene, gathering necessary documents, matching borrower profile to suitable lenders, choosing appropriate loan structures,...

Mastering Property Negotiation: 9 Essential Tips for Buyers In part four of our spring selling season series, we delve into the art of negotiation with nine key strategies for buying a property. Learn how to read an agent's energy, leverage conditions, use silence to your advantage, and understand the best timing for placing an offer. Discover the importance of odd numbers in bids, the power of a...

This week the trio breaks down private treaty sales: what they are, the key steps, and crucial strategies for success. Learn about negotiating behind closed doors compared to auctions, setting realistic budgets, and ensuring your offer stands out. Discover the importance of building relationships with agents, understanding contract conditions, and navigating valuation challenges. Gain insights int...