Built Different Podcast

30 years old, four investment properties, and her own home in Bright, Victoria. Lauren Chapple shares how a decade of rentvesting built her Australian property portfolio - and why she never thought she'd be in this position.

From Built Different listener to Atelier Wealth client, then Atelier Wealth mortgage broker. Lauren and Aaron talk about living with negative cash flow, the off-market home she found through an Airbnb weekend, funding a knockdown rebuild by selling one or two properties, and why a "conservative" broker can hold you back.

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New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 290+ episodes.

Everyone’s waiting for Australian property to recover. Sam Gordon thinks that’s the mistake.

With sentiment at its lowest since the GFC, he’s still buying, and in this episode he explains why the quiet market could be the window investors keep asking for.

Sam and Aaron start with where the market is now: rates up, inflation still rising, and a budget that changed negative gearing, CGT and SMSF lending.

Sam explains where investor money has gone, why listings are drying up and what happens to rents when investors stop buying.

He then walks through how he’s buying right now:

• He has narrowed down the areas he buys in
• He targets properties that need a lot of work, and keeps a rolling pool of funds that he refinances and puts back in
• He’s flying to Geraldton to do a reno himself after being quoted $150K

From there, they get into commercial property. Sam covers why he’s buying aggressively in that space and whether to strip equity or sell down to get in.

He also lays out the due diligence that separates a solid asset from a million-dollar mistake: vacancy risk, tenants who cook the books, and leases with only a year left. Aaron then puts a real client scenario to him: three properties, equity ready for two more, and frozen.

Sam’s answer starts with one question: if your goals haven’t changed, why has your strategy?

They finish on the 18.6-year property cycle, the 2027-28 outlook, and why Sam hasn’t watched the news in over a decade.

Book a call with Aaron

New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 285+ episodes.

Eilish Sheerin was drafted into the AFLW at 29. Off the field, she's been building an Australian property portfolio: a first home in inner Sydney, then a Richmond duplex she bought unrenovated, on purpose.

Aaron and Eilish unpack how she bought on an income that isn't guaranteed, the buffer she built first, and why she chose a renovator over a finished home.

She shares what growing up in the family super fund meetings taught her about money, why she turned down bigger contracts to build her skills, what buying a bakery that was losing money taught her about risk, and why her next move might be lifestyle investing in Japan.

On contract or variable income and wondering if you can buy? Book a call with Aaron.

New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 285+ episodes.

How Follio built a data-first Australian property business. Lachlan Delahunty and Reece Beddall on why they give their strategy away for free, and why the equity number you're told is often wrong.

A valuer with 17 years in the numbers.

A finance exec with 15 years scaling businesses.

Both burned on their first investments.

They sit down with Aaron Christie-David to unpack calling 20 to 30 agents before every episode, PropStac, why they're not buying Sydney yet, and why commercial could be 2027's riskiest buzzword.

Book a call with Aaron.

New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 290+ episodes.

Habit scientist Dr Gina Cleo reveals the top habits of professional property investors.

Dr Gina Cleo started out as a dietitian and couldn't get anyone, including herself, to change long-term. So she went and did a PhD in habits.

She's back with MPA Top 100 mortgage broker, Aaron Christie-David.

This episode is about the real estate between your eyes. Gina explains why your phone wins every morning (and which room it should charge in), the two circuit breakers for a cortisol-spiked morning, why your day starts the night before, and the sleep protocol her friends laugh at.

Then it gets specific for investors: why you can't steal someone else's portfolio blueprint, how to count the cost before you chase eight properties, the one sentence that changed how Gina thinks about setbacks, self-efficacy as the number one predictor of change, and why "I'm trying to be a property investor" has to become "I am a property investor".

Plus anxiety avoiders vs thrill seekers, what self-sabotage is actually protecting, Thomas Edison's 1,000 attempts, and Aaron's 9:30pm bedtime.Whether you're saving your first deposit, stalled at property number three, or trying to get back on the horse after a setback, this one's for you."People want to go into property development. Get into personal development first. That's your best return on investment." - Aaron

📩 ⁠Ready to build the portfolio to match the habits? Book a free discovery call with Aaron.

📸 Instagram:

@_builtdifferentpodcast @aaronc_d

Follow Dr Gina Cleo

Instagram: @drginacleo

Book: The Habit Revolution

⏱️ CHAPTERS

0:00 The best real estate you'll ever own

1:04 Round two, in person this time

3:16 Why your phone wins every morning

5:00 Do some people just have more willpower?

7:13 Two circuit breakers for a cortisol morning

9:13 Your day starts the night before

11:19 The suitcase Gina's friends laugh at

13:47 Brain fog, creatine and bad nights

16:46 Habits that actually stick

17:48 Why you can't steal someone's portfolio blueprint

21:27 Count the cost before you commit

22:42 Discipline first, autopilot second

23:52 "I am a property investor"

24:55 Eating glass: ten years of it

25:17 It's not if you fall, it's when

27:28 Tiny goals, big self-efficacy

29:56 Fell off the wagon? Do this first

31:20 When you're doing the work and nothing's coming

40:58 Self-sabotage isn't what you think

43:10 Anxiety avoiders vs thrill seekers

45:40 The cascade that costs you six months

49:51 Half the year left. Here's the play

51:03 Rapid fire: the one habit every investor needs

52:06 Aaron's 9:30 pm bedtime

54:29 Personal development before property development

Patrick David had the deposit, the property under contract, and a vendor saying Friday or it's over.

Three banks had knocked back the finance. He called Atelier Wealth in tears on a Tuesday afternoon and had an approval by 11am Wednesday.

Patrick is a Melbourne fitness coach, self-employed, married to a lawyer, working 70-hour weeks with a toddler in childcare. He takes Aaron through the six-month suburb spreadsheet, the cafe conversation where he and his wife split every job in the portfolio, and telling his dad they were rentvesting.

Then Aaron builds the plan from one property to five live - the cash flow barrier, buying in pairs, trusts and lender sequencing, the bucket company for self-employed investors, and whether commercial belongs in the plan. Also: the 487 days he ate the same meal, and why fitness and finance are the same game.

Book in a free chat with Aaron to kickstart your property investment journey.

New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 280+ episodes.

Australian property investing is rarely a solo decision. So what do you do when you want to buy, and your partner isn't convinced?

In this episode, MPA Top 100 mortgage broker Aaron Christie-David sits down with Georgia and Kate Matts, a couple who don't agree on this yet, and works through it in real time.

Kate bought an investment property in her early twenties, and it stressed her out for years. Georgia works in property finance every day and wants to buy again. They have two kids under four and a mortgage they'd like gone.

Kate's hesitation isn't the debt. It's that the money gets locked away during exactly the years her kids need it.

What we cover:

• The two very different first properties that shaped how each of them sees risk

• Why "not a no, a maybe with conditions" is the most honest answer in property

• Building a war chest, and finding your sleep at night number

• What actually goes wrong with an investment property and what it costs

• Mortgage prison, and why a 30-year loan doesn't have to take 30 years

• Why more debt can pay down the debt you already have

• Buying in your personal name, a company or a trust

• How to interview a buyer's agent before you engage one

• The question Kate asked that changed the whole conversation: what if we don't do it?

If you and your partner have had this conversation at the kitchen table and got nowhere, listen to this one together.

Built Different, formerly The Australian Property Investment Podcast, is hosted by Aaron Christie-David of Atelier Wealth Mortgage Brokers.

Book a free chat with Aaron.

Instagram:

@_builtdifferentpodcast

www.atelierwealth.com.au

James Smith was a broke PT checking out of a Sydney hostel every three days. Now he's co-founder of a $120M drinks brand chasing $1 billion. On Built Different, the Australian property and wealth podcast, he tells host Aaron Christie-David how he got there.

No one's coming to save your finances either. Book a call with the Atelier Wealth team:

https://calendly.com/atelierwealth/intro?month=2026-09

Find Aaron:

Instagram: @aaronc_d

www.atelierwealth.com.au

Find James:

@jamessmith

New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 280+ episodes.

General information only. Not financial, credit, or medical advice, and it doesn't account for your personal circumstances. Guest views are their own. Atelier Wealth Pty Ltd.

They said rents would rise by $2 a week. The banks now say $300. Dave Hughes and buyer's agent Sam Gordon join Aaron Christie-David to follow the money on the Australian property budget nobody voted for.

Hughesy explains why the CGT change was never taken to an election, why he says there was no mandate for it, and why he now calls himself part of the problem.

Sammy does the maths the modelling didn't: lose $10K on a property, get $3K back, and a $700-a-week rental becomes $1,000.

Then the receipts.

$1.6 million to hire pot plants.

$90 million weather website.

A tunnel that went from $4 billion to $11 billion.

Sacked politicians on $250K a year for life.

And Hughesy's fix: every cent of public money on a register, in real time.

It gets personal too, with the Greens senator who called him a rich landlord while he rents a flat to a single mum for $120 a week, why small business owners are the heroes of this economy, and why "breathing is winning."

This episode touches on financial stress and mental health. Lifeline 13 11 14, Beyond Blue 1300 22 4636. Want to know what the changes mean for your borrowing power? Book a chat with Atelier Wealth: https://calendly.com/atelierwealth/intro?utm_source=spotify&utm_medium=description&utm_campaign=built-different&utm_content=dave-hughes-sam-gordon

Catherine Cashmore forecast the 2026 peak in Australian property back in 2014. Now she's calling a financial crisis for 2027.

Behavioural economist Evan Lucas thinks timing markets is a dangerous game. Buyer's advocate Dawn Fouhy is watching it play out on the ground in Melbourne.

Round two with MPA Top 100 Mortgage Broker Aaron Christie-David.

The 18-year land cycle and why AI data centres are a land play. Land tax versus stamp duty. Why 54% of federal revenue comes from personal income tax and what that does to first home buyers. HECS debt and shrinking borrowing power. The RBA laying the tarmac for rate rises. The wealth effect. What 2027 looks like if the cycle plays out, and the case for buying when everyone else is scared.

Want to talk through your position? Book a free chat with Aaron: https://atelierwealth.com.au/?utm_source=spotify&utm_medium=description&utm_campaign=cashmore-lucas-fouhy-part2

New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 275+ episodes.