You Have My Interest - Getting Personal With Property Finance

In this episode we're joined by PK Gupta, a successful property investor who has amassed a diverse portfolio in both residential and commercial real estate, generating an impressive $120,000 in annual passive income. PK's mission is to help fellow Australians achieve similar financial success by focusing on data-driven property investments. PK's journey from investment banking to prope...

Evelyn explores a client's journey to materialise their dream retirement by purchasing a winery. It is one of our favourite episodes! Discover how the client leveraged existing residential properties to secure better lending options, interest rates and terms for this unique venture. Listen in to learn the financial strategies behind this inspiring success story. Find out your next step in prop...

What is rentvesting? What are its advantages? And who is it for? Ever wondered if you can buy a property (or build an entire portfolio) while still living in the dream (that could be mum and dad's home, or another rental)? Well, you can. And today, Evelyn answers your key questions on just how it's done. Evelyn also answers the key question: "Are you still eligible for the First Home...

Considering buying your first home, but have no idea where to start or what to buy? This episode is for you! In this episode Evelyn looks at the common challenge of knowing how to approach the purchase of your first property - specifically, an owner-occupied or investment property, and the different types of property assets. Gain valuable insights on the different property purchase strategies, and...

In this Finance File episode, Evelyn explains how Self Managed Super Fund (SMSF) Lending helped a couple continue to expand their Australian property portfolio.  She dives into the key aspects of SMSF lending, including its benefits, eligibility criteria, and important considerations. SMSF lending allows individuals to use their superannuation funds to invest in property and other assets, providin...

In this episode, we're joined by Nick Green from Oak Capital, as he and Evelyn delve deep into the rapidly evolving world of Private Lending. Discover its pros and cons, grasp the reasons behind the increasing interest in private loans, and arm yourself with vital tips for prudent borrowing. Nick also talks about the Oak Capital approach to the world of lending. Tune in for this special episod...

Wondering where interest rates are headed? Join Evelyn for a Q and A that covers market movements, and also get answers to your pressing questions from last week's episode on debt consolidation. Plus, snag our bank call script for those "let's chat, Mr. Banker" moments! Find out your next step in property finance: You Have My Interest is brought to you by Everlend, a mortgage and...

In this solo episode, Evelyn is talking about debt (consolidation), baby! Debt consolidation can be a handy way to help pay off your consumer loans faster, but it can also have some pretty significant negative impacts if not done correctly. Evelyn starts today's episode by giving us the lowdown on what's happening in the property and finance scene and dives into the buzz around bridging fi...

What is Bridging Finance? Join Evelyn this week as she explains the seemingly complex world of bridging finance through the lens of a real-life client success story.  This episode features a self-employed client, which added more complexity to the scenario - you don't want to miss it. You will hear the ins and outs of how bridging finance works and how it can be tailored to meet unique circums...

What is Breathwork? On today’s show, Evelyn introduces Dan and Sara, two guests in a very different field – breathwork. Having recently travelled to Bali to attend an 8-day breathwork retreat, Evelyn saw immense value in sharing their craft. Facilitated breath repatterning brings an awareness to breath that can be profound in breaking patterns or responses to stimulus that do not serve us. Regardl...

In today's episode, Evelyn dives deeper into the world of construction loans, building on the insights from our previous episode. She addresses your burning questions and demystifies the intricacies of construction financing. Here are some of the pressing questions that Evelyn tackles: - What are the key differences between traditional home loans and construction loans? - Can you get fixed rat...

As we kick off our new podcast format, Evelyn delves into the intricate world of construction lending in Australia. From house and land packages to custom builds and subdivisions, Evelyn unpacks and simplifies the complexities around the finance options. Are you a first-time builder dreaming of a custom-designed home? An investor looking to grow through property development? Or perhaps you’re expl...

In this episode Evelyn and Maddie sit down with Ravi Sharma, an influential name in Australian real estate and a finalist for the REB's Buyer's Agency of The Year (2023) and Rising Star Finalist Award (2023). Ravi, with his down-to-earth wisdom, shares key things to know about buying your first home, investing in properties, and understanding the ins and outs of the Australian property mar...

In this Q&A episode, our hosts Maddie and Evelyn sit down with Phil Thompson, a seasoned financial planner from Melbourne. The Q&A is centered around a topic that's crucial but often overlooked - personal insurance. Throughout the discussion, they navigate the four cornerstones of personal insurance: life insurance, income protection insurance, total and permanent disability (TPD) insu...

In this episode, hosts Maddie and Evelyn interview Phil Thompson, a financial planner based in Melbourne, to discuss the importance of personal insurance. They explore the four main types of personal insurance: life insurance, income protection insurance, total and permanent disability (TPD) insurance, and trauma insurance. Phil provides insights into the purpose and benefits of each type, emphasi...

In this episode, Evelyn and Maddie discussed various policies available for medical professionals to obtain finance, including lenders mortgage insurance waivers, income policies, and self-employed policies. The eligibility criteria for these policies have expanded recently to include a wider range of medical professionals, including those in the healthcare and education industries. Medical profes...

Do you work in a medical field and are wanting to purchase property? In this Finance Files episode, Maddie takes you through a client’s journey on purchasing their second investment property by using equity from their first, and how working in the medico sector has helped her get there faster. We go through her financial scenario in full, so you can see if this relates to you! Find out your next s...

In this episode, Maddie and Evelyn chat with accountant Ash Ross to uncover valuable insights and expert advice on maximising tax benefits, navigating what to claim as a property investor, and optimising your financial strategies. Whether you're a business owner, investor, or simply interested in the intricacies of tax planning, this episode will provide you with actionable tips and clear expl...

In this episode, Evelyn and Maddie are joined by our Liberty Business Development Manager Sean Driscoll to delve into the world of non-conforming mortgages, exploring the options available for borrowers who don't fit the traditional lending criteria. We shed light on the intricacies of this often misunderstood sector, helping you understand how these non-bank lenders can be a game-changer for...

Join Maddie and Evelyn as they answer your questions surrounding your self-employed income and scenarios. We start off talking about how long you can use 2022 financials for servicing or if your profits are trending down. We also go through your options if you’ve transitioned from PAYG into sole trader income and how a bank views this when you apply for a home loan. We also talk about what documen...

In this episode, Evelyn and Maddie talk about the intricacies of self-employed lending policies and what this could mean for you. We unpack the opportunities faced by sole traders and companies in the mortgage lending landscape. From deciphering income verification methods to understanding documentation requirements, we provide valuable insights to help you navigate what’s needed to get a loan! Fi...

Are you an Australian wanting to purchase a property at home while living overseas? In this Finance Files episode, Maddie takes you through how their expat clients purchased an investment property in South Australia. We go through specific lender policies that are important to note with foreign income, and which banks are the best for these requirements. Find out your next step in property finance...

In this episode, we learn all about asset finance with Will Hamer from Hamer Finance, who shares valuable insights and strategies for leveraging assets to achieve financial success. We explore the fundamentals of asset finance, its role in preserving capital and optimising cash flow for individuals and companies, and the crucial role of asset finance brokers in connecting clients with suitable len...

In this episode, we answer your burning questions with Buyer’s Advocate Aife Horsley, diving into the world of buyer's agents and exploring a range of key aspects related to their role.  We start off by examining the trade-off between capital growth and rental yield when selecting a property, and what’s best for your long-term goals. We also delve into commission structures and how buyer's...

In this episode, Evelyn and Maddie dive into the world of grants, schemes, and concessions which can significantly assist homebuyers in Australia. We guide you through the complexities help you make informed decisions on your path to homeownership. We start by understanding the basics of what they are and how they differ. There have been updates to some of the schemes last week, so we’ll take you...