Stephen and Jonathan built one of Australia's top finance businesses from nothing — no ads, no cold outreach, just relentless service and a system most people never figure out. They now write over $1.1 billion in loans a year, and in this episode they explain exactly how they did it.

But this isn't just a finance conversation. It's a masterclass in scaling a business, building a team that performs without you, and creating the kind of customer experience that makes marketing irrelevant. Whether you're in real estate, sales, running your own business, or just thinking about your next property move — there's something here for you.

In this episode:

◾ Why the founders became the biggest bottleneck in their own business — and the leap of faith that fixed it

◾ The "reverse mullet" sales method: how to listen your way to more deals in any industry

◾ How the wealthy buy property before they sell — and why most people don't know this is even possible

◾ Why salary beats commission for building a team that actually cares about customers

◾ The single piece of advice from a Westpac banker that shaped everything (learned at age 19)

◾ What developers need to know right now as the banks return to the market

They started with a hammer and a dream… now property developers Andrew & Rob Gray reveal how they built a $1.5 billion pipeline from the ground up, and why the Gold Coast is just the beginning.

Andrew Gray is a qualified quantity surveyor who learned the property industry from his father's business before co-founding Graya.

Rob Gray completed his carpentry apprenticeship, obtained his builder's licence, and brings unmatched construction expertise.

Together they have grown Graya to 125 staff with landmark developments across Brisbane and the Gold Coast, including The Cloud Project in Palm Beach.

They explain:

▪️ How they went from a deck renovation business in 2012 to a $1.5 billion development pipeline

▪️ Why Palm Beach is one of the most desirable stretches of coastline in all of Australia

▪️ How their complementary skills, development knowledge and construction knowledge, became their greatest competitive advantage

▪️ Why they refuse to specialise in one sector and what their vertical structure actually looks like

▪️ The mindset behind building legacy projects that still look good in 20 years

▪️ What most developers get wrong about design and longevity

▪️ Why Brisbane and the Gold Coast are the two markets they want to dominate

▪️ What they want people to say about Grayar in 30 years

Special Easter long weekend drop and yes, you need to listen to the end.

EP 146. We're closing out our second series with Graeme Holm and we're ending it the right way.

Before we announce our Season 2 Giveaway winners, we're unpacking the biggest lesson from this series: what it actually looks like when a business builds a real community and gives back at a scale most people can't fathom. A $2M Coachella-style Christmas party, 10,000+ presents for kids in need, and over $1M raised for the Salvos. All driven by one principle: give first, always.

Graeme and Josh break down why generosity isn't a strategy, it's a standard. And why it doesn't matter if you're turning over 50k or 50 million, the energy always comes back.

Oh and the March winners. Don't skip to the end. Trust us, it's worth the wait.

You can find Bothsides on; Instagram, Tik Tok and Youtube

Hosted by Daniel Beardall & Josh Morrissey

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Infinity Group

Australia's Real Estate Godfather Bill Malouf breaks down why 99% of agents lose luxury listings.

It's not what you think. And exactly how to win every presentation.

He reveals:

◼️The company pitch book that kills your credibility instantly

◼️Why agents who talk the most close the least deals

◼️The 25-minute bond-building method billionaires respond to

◼️How to sell $300M penthouses without opening your mouth

◼️Why "80% market share" presentations are complete crap

◼️The 2-word response that closed a deal in 48 hours

◼️How to find the "why" instead of pushing stats nobody cares about

◼️Why accessibility beats marketing flair every single time

◼️The exact strategy to win against auction-pushing competitors

◼️How listening more earns you 10x the referrals and repeat business

Corporate Athlete Coach Lincoln Westerman exposes the burnout epidemic destroying high-performers.

Why "grinding harder" is killing your capacity. And the counterintuitive path to sustainable success.

He reveals:

◼️ Why stacking more work on a burnt-out system makes everything crumble

◼️ The "consciousness and quality of its contents" principle that changed everything

◼️ Why most operators chase arbitrary million-dollar goals that aren't even theirs

◼️ How your nervous system is cooked and you're too overstimulated to notice

◼️ The freedom of expression revelation that broke him free from real estate

◼️ Why "what you're not changing, you're choosing" hits different

◼️ The difference between building capacity vs. adding more demand

◼️ How meditation and intentional practices replace the hustle addiction

◼️ Why asking "what will this allow me to experience?" changes the game

◼️ The inner circle principle: your energy, your time, your people

◼️ Why most high-performers sacrifice health, relationships, and sanity for goals that were never really theirs

Australia's #1 Finance Broker Graeme Holm breaks down the housing crisis nobody wants you to understand.

Why it's deliberately constructed. Why most Australians will stay broke. And exactly how to win anyway.

He reveals:

◼️The government conspiracy helping institutions f*ck you out of the market

◼️ Why people who complain about property will be broke forever

◼️The only insurance you pay that doesn't protect you (it protects the bank)

◼️How Australians waste half their income on food and bullshit

◼️The mortgage trap designed to keep families poor for 40 years

◼️Why rent = mortgage payments but nobody wants you to know

◼️The exact strategy to control multiple properties with small deposits

◼️How to leverage equity and build wealth while others complain

◼️Why the disparity will get worse—and which side you need to be on

◼️The 105% loan product that changes everything for first home buyers

Graeme Holm reveals why he built a 200-person empire with NO systems, the 3 external CEOs who all failed, how his team stays 8+ years when the industry average is 18 months, and the brutal truth about scaling that business coaches won't tell you. 

Graeme Holm runs a mortgage business with 189 staff, created a "treasure chest" of award-winning leaders, and refuses to sell despite massive offers.

He exposes:

◼️ Why the 3 external CEOs he hired over 18 months all failed—and what that taught him about ownership

◼️ The "no systems" approach that kept his best people for 8-9 years (rare in any industry)

◼️ How his head of finance won Broker of the Year while working FOR him, not competing against him

◼️ Why "no one will ever treat your business like their own"—the truth about hired leadership

◼️ The difference between owners and operators—and why most business coaches were "failed employees"

◼️ How Rachel now runs his masterclasses after he built a "treasure chest of people" who can replace him

◼️ Why he's manic, unstructured, and ignores every business guru—yet scaled to nearly 200 staff going global

◼️ The real secret to long-tenure staff: competent people, not perfect systems

◼️ Why he refuses to sell for any amount—because "bean counters would run it and the community would suffer"

◼️ What 12 years of blood, sweat and tears bought him: "Now I can spend the rest of my life however the f*ck I want"

Australia's Money Mentor Graeme Holm exposes the $200M banking fraud, shocking 40-year mortgage traps, why 600,000 Australians were robbed, how farms were sold offshore, and the people controlling your wealth.

Graeme Holm has sold over $200 million in real estate, is co-founder of Infinity Group, and is one of Australia's most outspoken financial experts. 

He reveals:

◼️ The $200M stolen from 600,000 everyday Australians—and why it was deliberately messy

◼️ How "licensed experts" sold financial products that don't work

◼️ The hidden agenda to destroy Australia's construction and housing sectors

◼️ Why banks forced farmers into bankruptcy and sold their land offshore

◼️ The 40-year mortgage scam designed to trap families for generations

◼️ How Australia's "big four" banks operate as a cartel

◼️ Why banks claim "it's your responsibility" after stealing from you

◼️ How to protect your wealth when the system is rigged against you

◼️ The shocking truth about who really owns Australia's assets

Graeme Holm, self-made entrepreneur and real estate investor who went from Housing Commission to building a multi-million dollar empire, opens up about childhood adversity, financial freedom, building generational wealth, and giving back for the first time, revealing the raw truth behind his remarkable transformation. 

Starting from nothing, Graeme now manages nearly 200 staff across Australia, has transacted over $150 million in real estate in just four years, pays millions in tax annually, and runs multiple successful business pillars beyond just mortgages. 

Beyond business, he's passionate about breaking the poverty cycle through community initiatives like the Kmart Wishing Tree and giving back to disadvantaged youth.

In this powerful conversation, he reveals:

◼️How growing up in Housing Commission and being told he'd never amount to anything became the fuel that drives him today

◼️Why he deliberately keeps his "scar tissue" from healing - and how adversity became his superpower

◼️The real truth about building wealth: why "just pay your fucking tax" is the smartest financial advice

◼️How Australia's "working class poor" are trapped on a hamster wheel - and what needs to change

◼️Why he recently spent $40 million on assets in a single week - and the strategy behind it

◼️The brutal difference between being self-employed and running a successful business

◼️Why showing the receipts matters - every property address, transaction, win, and loss

◼️His mission to help young Australians escape poverty and build real community through sport and mentorship

◼️The surprising announcement and epic giveaway that's going to change lives

We also announce an epic giveaway at the end that's going to change lives. 

Check the pinned post on our Instagram page to learn how you can win

$5,000 + Tony Robbins tickets! 2 lucky winners

https://www.instagram.com/bothsides_podcast/

Don’t miss it!

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James Tostevin reveals how 200 calls a week for 40 years made him Australia's #1 real estate agent three years running (2013, 2014, 2015) and why "momentum is everything" when it comes to sustained success in real estate.

James Tostevin is a Director and Auctioneer at Marshall White and has sold over $400M in real estate across nearly 4 decades in the industry. He's conducted 3,500+ auctions and is known for his relentless prospecting discipline and time-blocking systems that have made him one of Australia's most consistent top performers.

After 40 years in the game, he still makes 200 prospecting calls every single week and attributes his success to structured routines, momentum, and never becoming complacent.

He explains:

◼️ Why he still does 200 calls a week after 40 years in the business

◼️ The time-blocking system that protects his prospecting hours

◼️ Why momentum is the key to long-term success in real estate

◼️ How to structure your day to maximize productivity

◼️ Why most agents fail because they don't devote time to training

◼️ The importance of nurture calls and consistent follow-up

◼️ How to build systems that become habits

◼️ Why you can't build momentum without dedicated blocks of time

◼️ What it takes to conduct 3,500+ auctions and stay sharp

Explore the Bothsides Ecosystem ⁠⁠⁠⁠⁠here⁠⁠⁠⁠

You can watch us on ⁠⁠⁠⁠⁠⁠⁠⁠Youtube ⁠⁠⁠⁠⁠⁠⁠⁠

Find us on ⁠⁠⁠⁠⁠⁠I⁠⁠nstagram⁠ ⁠⁠⁠⁠⁠⁠⁠

Join us on ⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok ⁠⁠⁠⁠⁠⁠⁠⁠

Hosted by ⁠⁠⁠⁠⁠Dan Beardall⁠⁠⁠⁠⁠,⁠⁠⁠⁠ ⁠Kevin Buchanan⁠⁠⁠⁠⁠ and⁠⁠⁠⁠ ⁠Josh Morrissey ⁠⁠⁠⁠⁠

Follow Bothsides on Spotify so you never miss an episode! Thank you for listening.