Built Different Podcast

At 34, Renuka had no bank card in her own name and her salary wasn't reaching her account. At 43, she owns three Australian properties on one fixed public sector income and is arranging pre-approval on a fourth.

She's a single mum to a primary school-aged son in southwest Sydney.

In this episode she takes Aaron and Lauren through the whole rebuild:

- The $25 a fortnight salary sacrifice a colleague talked her into 15 years ago that became the super balance behind two SMSF properties

- Why she bought where she could afford instead of chasing a blue-chip suburb

- The six financial advisers who told her they don't deal with anyone under a million dollars

- The property deal Lauren stopped her signing after the seller demanded an answer in 24 hours.

She shares the cash envelope system, the notes app that runs her budget, and why every decision points at one number: mortgage-free by 50, so she can go and work in the domestic violence and refugee space.

If you're rebuilding after a separation, buying on one income, or you've been told no and believed it, start here.

Book a discovery call with Aaron

Support: 1800RESPECT 1800 737 732, Lifeline 13 11 14, Beyond Blue 1300 22 4636.

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

Aaron Christie-David, MPA Top 100 Mortgage Broker, asks his five-year-old and seven-year-old daughters what he does for a living.

No guest this week. No lender policy, no borrowing capacity, no numbers on a page. Just a dad, two kids and a microphone, recorded for Father's Day. Aaron sets the tone early - being a parent isn't a right, it's a privilege - and then hands the questions over.

They explain Dad's job in one line. They name the family memories that actually stuck, and none of them are the expensive ones. They give the best thing about Dad, then the worst thing about Dad, and they do not hold back.

Whether you're building a portfolio for your kids, running a business while trying to be present at home, or you're a dad looking for a reason to hit record this Sunday, this one's for you.

Book a chat with the Atelier Wealth team

Father's Day is a hard day for a lot of people. Lifeline 13 11 14. Beyond Blue 1300 22 4636.

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

Catherine Cashmore says the 18-year property cycle has peaked, and that Australian property is at the top of it. We spent an hour testing whether that holds up.

Catherine is a former president of Prosper Australia and has spent two decades working across land economics and buying property for clients. She forecast the Perth boom in 2019, when Perth had been flat for a decade. Dawn Fouhy, 2026 Buyer's Agent of the Year, joins Aaron Christie-David, MPA Top 100 Mortgage Broker, to pressure test the whole framework.

Catherine traces it through Australia's history from the 1890s bust to 1991, 2008 and Covid, and explains why land rather than buildings is what actually moves. She covers why a falling median value hides what happens to individual properties, why Melbourne is affordable and what land tax has to do with it, why she thinks commercial property is the worst place to be right now, and what first home buyers should be weighing up.

Dawn asks whether a government heading into an election year could hold the whole thing up.

Aaron asks the question everyone asks about forecasts: what if you're wrong?

Talk to the team at Atelier Wealth about your borrowing position.

New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 270+ episodes.

Marty Fox won't buy an investment property in Melbourne right now, and he'll tell you why. The WHITEFOX CEO and Block judge on Australian property, goal setting, and building 23 offices.

In 2021, Marty wrote a five-year goal sheet. Three properties to his name, three thousand followers, and WHITEFOX London scrawled on the last line as the pie in the sky one. He's now responsible for 145 careers across 23 offices with New Zealand and Dubai live, targeting 50 offices across five countries by 2030. Aaron Christie-David goes deep on the goal system Marty carries in his pocket and reads every single day, the four pillars he tells anyone to start with, and the ten resignations in two months that didn't break him.

On property:

• Why he'd buy a family home in Melbourne today but not an investment
• Where his own money is going instead
• The four metrics he runs over every deal
• The one question that exposes what an agent really thinks your home is worth.

Then the honest part. The grind from 24 to 29 when he had no brand, no house and no credibility, the phone calls to his mum, and why he says he could not have built any of it without his wife Charlotte.

Looking to take the next step? Book in a free discovery call with Aaron.

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

General information only. Not financial or credit advice, and it doesn't account for your personal circumstances.

The budget broke the old playbook. This is the new one, with the numbers attached. MPA Top 100 Mortgage Broker Aaron Christie-David and the Atelier Wealth broking team on Australian property right now.

A whole lending product gone. Lenders drowning in five times their normal volume. Borrowing strategies written twelve months ago that no longer apply. The team came in to answer one question: what still works? One property now costs $15,000 a year to hold, and everything follows from that.

Aaron is joined by Bernadette Christie-David, Damien Walker and Nate Condie, answering listener questions with real figures attached. They cover the trust structure that can quietly undo itself on your credit file, and the cash flow number that stops most portfolios at three or four properties.

The team then goes head to head on AMP's 40-year loan term with ten years interest only, Aaron makes his call on where this cycle bottoms and why it is a correction rather than a crash, and they close on a deposit product that has been on the market twelve months without anyone noticing. If you own one property and cannot see how the next one happens, or you are sitting on four and running out of serviceability, this is the one.

Book a discovery call with Atelier Wealth

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

General information only. Not financial or credit advice, and it doesn't account for your personal circumstances.

Rent or buy in 2026? Kerrod Holland went from six figures in the NRL to $700 a $ 700-a-week take-home, with rent at $515 and a newborn. He's a financial adviser now, and he's a buyer in this Australian property market.

Kerrod played 70+ games for the Canterbury-Bankstown Bulldogs after seven years as a qualified electrician. Then the contract wasn't renewed. He had cash buffers. He didn't have a framework for risk, and he'd overextended on the assumption the income would keep coming. He's now Managing Director of Tenex Wealth in Newcastle, and this is the conversation he wishes someone had sat him down for at 25.

He and MPA Top 100 Mortgage Broker, Aaron Christie-David, get into why he calls the family home a lifestyle asset and not an investment, and why you can only cut 100 per cent of your expenses but have infinite upside on your income. The couple earning $300,000 who wanted an income portfolio while carrying $80,000 in car and personal debt. Why he tells clients not to wait until 60 to take the trip. And the question he asks every couple before he looks at a single number: what does perfect look like to you? Kerrod's views are his own opinion and general information only.

Book a discovery call with Aaron:

https://calendly.com/atelier-wealth-discovery-team/discovery-call-for-property-investors?month=2026-06

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

Steve Maroun runs a $200M development pipeline at 30 - and says this is the hardest moment in Australian property development in living memory. His family lost nearly everything in the GFC. He's building anyway.

Steve, Director of Lanevick, takes Aaron Christie-David through the maths that stopped working: land, build cost and sale price all moving the wrong way at once, to the point where sites approved for six storeys are now worth more with the existing house renovated.

He breaks development into four pillars - finance, construction, design and town planning, and sales, and shows where first-time developers quietly destroy their margin before they've turned a sod. Splitter blocks that shrink your buyer pool. Over-capitalising on a build nobody in that suburb can afford. Treating development as something you do on the side.

It's also a family story. His father arrived in the early 1980s, started in cement rendering, built a portfolio across the Olympic boom, then watched it unwind in 2008 with only the family home left. What Steve learned in the rebuild is the real lesson here: start small, stay active, run your own race, and stay in the game long enough for the odds to do their work.

Book a free discovery call with Aaron

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

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What happens when the footy stops? Jeremy Latimore played 182 NRL games across 11 seasons and 5 clubs - then retirement, COVID, a marriage breakdown, and a seven-figure stock market loss hit all at once.

Jeremy joins Aaron Christie-David to talk about the "mental gym" that rebuilt his life: daily routines, goal books and five-year plans. They cover why athletes go broke, the #1 red flag a mate is struggling, buying four properties while moving 16 times between clubs, the mindset of big-game players like Nathan Cleary, and raising resilient kids through action, not words.

Raw, funny and brutally honest - this is a masterclass in resilience, money and reinvention.

Follow Jeremy on Instagram: @jeremy_latimore

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About the show: Built Different is hosted by Aaron Christie-David, mortgage broker and Managing Director of Atelier Wealth. Each episode unpacks property investing, wealth-building and the mindset behind financial success in Australia, with the investors, athletes and entrepreneurs doing it differently.

📩 Connect with Aaron:

@aaronc_d

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The Federal Budget just changed the rules of Australian property investing overnight - negative gearing, CGT discounts, self-managed super funds and the ripple effects will hit every renter, buyer and investor in the country.

Sammy Gordon (Australian Property Scout) and Jeremy Iannuzzelli join the show for a post-budget deep dive: why disincentivising investors will trigger a rental super boom, how the new policies draw a permanent line between the haves and have-nots, what's really behind the government's push against SMSFs and payday super, and why sentiment is sitting at GFC lows while seasoned investors are quietly buying more aggressively than ever.

If you're wondering whether to sit on your hands or act, this episode is your sentiment check. You'll learn why the next 6-12 months may be the best buying window since COVID, the 12 locations tipped for extreme rental surges, and the mindset shift needed to build wealth when everyone else is frozen.

Topics:

• Australian property market 2026
• Negative gearing changes
• Rental crisis
• Federal budget property impact
• SMSF changes
• Superannuation reform
• Property investing strategy
• Buying window
• Wealth gap Australia

Download Sam Gordon's rental superboom white paper here: https://australianpropertyscout.com.au/whitepaper/