Built Different Podcast

What happens when property investing goes WRONG?

In this episode of the Australian Property Investment Podcast, we sit down with returning guest Richard, who shares the brutal reality behind building a 22-property, $17 million portfolio.

Including a shocking $30,000 property disaster caused by a hidden water leak. From unexpected costs and insurance battles to mindset, risk-taking, and long-term wealth strategies, this episode breaks down what most investors don’t talk about.

If you’re serious about property investing in Australia, this is the episode you NEED to hear.💥

What You’ll Learn in This Episode

- How a hidden water leak led to $4,000 → $12,000 → $30,000 in costs

- Why most investors FAIL when things go wrong

- The mindset shift that separates successful investors from beginners

- How Richard scaled from 10 properties to 22 properties

- Inside a $17 million Australian property portfolio

- The importance of insurance (and how to actually claim it properly)

- Why emergency buffers and cash flow are critical

- How to recover financially from property investing mistakes

- The truth about risk, debt, and building wealth through property

- Why surrounding yourself with the right investors changes everything

🧠 Key Takeaways

Property investing isn’t smooth sailing. Pipes burst. Tenants default. Costs blow out. But the investors who win long-term are the ones who: Take ownership, Solve problems quickly, Stay focused on the bigger picture. Richard’s story proves that even a $30,000 setback is just a speed bump when you’re building serious wealth.

📊 Portfolio Snapshot22 properties across AustraliaPortfolio value: $17,000,000+Properties across NSW, VIC, QLD, WA + internationalTransitioning from growth → cash flow strategyGoal: Financial freedom by 2030

🚨 Why This Episode Matters

Most property content focuses on wins. This episode exposes the reality — the mistakes, the costs, and the lessons — so you can avoid them and build a smarter, more resilient portfolio.🔑 Perfect For: First-time property investors, anyone building a portfolio in Australia, investors worried about risk or market uncertainty. People want financial freedom through property. Listeners who want REAL, unfiltered investing stories

🎙️ About the Show: The Australian Property Investment Podcast brings you real stories, strategies, and insights from investors, experts, and business leaders shaping Australia’s property market.

📢 Connect with Atelier Wealth. 

If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property.

Book a strategy call:https://www.atelierwealth.com.au

Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders.

New episodes every Monday at 7 AM.

Can you actually pay off your mortgage in 10 years… or even faster?

In this episode of the Australian Property Investment Podcast, Aaron sits down with buyer's agent and Investment Rise founder Niro Thambipillay to unpack one of the biggest financial decisions homeowners face:

👉 Should you pay down your mortgage aggressively

or

👉 Use property investing to eliminate it faster?

Most Australians are told the safest strategy is to spend the next 30 years paying down their home loan. But according to Niro, the fastest path to financial freedom may actually involve taking on more debt strategically through investment properties.

This conversation breaks down the counterintuitive strategy investors use to build wealth and become mortgage-free years earlier.

You’ll learn:

• Why most homeowners never create a plan to actually exit their mortgage

• The difference between bad debt vs strategic investment debt

• How property investors use capital growth and equity to accelerate wealth

• The biggest mistakes people make when buying their first investment property

• Why time in the market beats timing the market in property investing

• The power of rentvesting and strategic property selection

• How buyers' agents identify properties with strong growth fundamentals

• Why many Australians regret not buying investment property earlier

Niro also shares his own journey starting at age 22, building a portfolio through smart property investing, and eventually founding Investment Rise to help everyday Australians build wealth through real estate.

If you’re wondering whether to focus on paying off your mortgage or start investing in property, this episode will challenge the way you think about debt, wealth, and financial freedom.

📌 Topics Covered

00:00 Can you pay off a mortgage in 10 years?

01:00 The problem with the 30-year mortgage mindset

04:00 Why strategic debt can accelerate wealth

08:00 Niro’s property investing journey

12:00 Biggest mistakes investors make

15:00 Borrowing capacity myths

18:00 The power of long-term property investing

🎧 About Niro

Niro Thambipillay is the founder of Investment Rise, a buyers' agency helping Australians build wealth through strategic property investing. He specialises in helping clients identify high-growth opportunities and build property portfolios that accelerate financial freedom.

Book a strategy call with Aaron:https://www.atelierwealth.com.auSubscribeSubscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders.New episodes every Monday at 7AM.

🎙️ Property Investing in 2026: Borrowing Power, Tax Changes & Scaling Your Portfolio

In this episode, we’re joined by Lauren from Atelier Wealth to break down what’s actually happening in the Australian property market right now and how investors can stay ahead.

We dive into the impact of negative gearing and capital gains tax changes, the truth about rising rents, and why borrowing capacity is the biggest lever for building a property portfolio.

If you’ve ever felt stuck, confused by lending, or unsure how to take the next step, this episode will give you clarity.

• The real impact of CGT and negative gearing changes
• Why property investors are under pressure and what it means for you
• How to build a portfolio on an average income
• The biggest mistakes limiting your borrowing capacity
• How credit cards, debt, and lifestyle creep affect your growth
• Real client case study: paying off a $1.1M mortgage in 10 years
• How to use equity and refinancing to keep scaling
• Why timing the market matters less than taking action
• The mindset shift required to succeed in property investing

Smart investors don’t wait for perfect conditions; they adapt.

Understanding your numbers, structuring your loans correctly, and focusing on long-term growth will always outperform trying to “time” the market.

• First-time investors
• PAYG earners wanting to build wealth
• Anyone looking to scale beyond their first property
• Investors wanting to optimise their borrowing strategy

Make sure to follow the podcast and share it with someone who’s on their property journey.

Connect with Atelier Wealth

If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property.

Book a strategy call:
https://www.atelierwealth.com.au

Subscribe:
Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders.

New episodes every Monday at 7 AM.

🔑 What We Cover

• The real impact of CGT and negative gearing changes
• Why property investors are under pressure — and what it means for you
• How to build a portfolio on an average income
• The biggest mistakes limiting your borrowing capacity
• How credit cards, debt, and lifestyle creep affect your growth
• Real client case study: paying off a $1.1M mortgage in 10 years
• How to use equity and refinancing to keep scaling
• Why timing the market matters less than taking action
• The mindset shift required to succeed in property investing

🚀 Key Takeaways

Smart investors don’t wait for perfect conditions — they adapt.

Understanding your numbers, structuring your loans correctly, and focusing on long-term growth will always outperform trying to “time” the market.

🎯 Who This Episode Is For

• First-time investors
• PAYG earners wanting to build wealth
• Anyone looking to scale beyond their first property
• Investors wanting to optimise their borrowing strategy

📈 Keywords

property investing australia, borrowing capacity, negative gearing, capital gains tax australia, property portfolio strategy, mortgage broker advice, real estate investing podcast, wealth building australia

💬 Enjoyed the Episode?

Australia’s housing crisis is one of the biggest issues facing the country right now — but what is actually being done about it?

In this episode of the Australian Property Investment Podcast, we sit down with NSW Planning Minister Paul Scully to break down the real drivers behind housing affordability, supply shortages, and government policy changes.

We dive deep into the truth about negative gearing, capital gains tax, and how policy decisions could reshape the property market — plus what it all means for investors, homeowners, and first-time buyers.

If you’ve been wondering whether housing will ever become affordable again, this episode gives you a front-row seat to how decisions are actually made inside government.

🔑 What You’ll Learn in This Episode:

• Why Australia’s housing affordability crisis has worsened over decades
• The real reason property prices keep rising: supply vs demand
• How government planning reforms aim to increase housing supply
• The truth about negative gearing & capital gains tax changes
• Why younger Australians are being priced out of their own communities
• The role of infrastructure, zoning, and “gentle density” (duplexes, terraces, townhouses)
• How new developments and rezoning could reshape cities like Sydney and Wollongong
• The hidden consequences of policy decisions on jobs, migration, and the economy
• Why “easy solutions” to housing don’t actually exist
• What investors need to understand about future property trends

📈 Key Topics Covered:

housing crisis Australia, property investing Australia, negative gearing explained, capital gains tax property, housing affordability Australia, NSW planning reforms, property market 2026, real estate investing strategies, Australian property podcast, supply vs demand housing

🎙️ About This Episode

With housing and cost of living dominating conversations across Australia, this episode breaks down the complex intersection of policy, economics, and property investing.

Minister Paul Scully shares how the government is tackling housing supply, why planning systems have slowed development over time, and what changes are being implemented to fix it — including major reforms to zoning, approvals, and development processes.

This is a must-watch for anyone serious about understanding where the Australian property market is heading next.

⏱️ Chapters (Optional but Recommended for SEO + Retention)

00:00 – Housing crisis & affordability explained
02:00 – Why supply is the biggest issue
05:00 – Planning system problems (and fixes)
11:00 – Negative gearing & tax debate
17:00 – How policy decisions are made
22:00 – Major Sydney development plans
30:00 – AI, jobs & the future of work
35:00 – Duplexes, density & new housing strategies
42:00 – Why younger generations are struggling
50:00 – Biggest myths about housing
52:00 – Is the Australian dream changing?

🔥CONTACT US

If you’re serious about property investing, understanding policy is your unfair advantage.

👍 Like this video
💬 Comment your biggest takeaway
🔔 Subscribe for weekly property insights

📲 Connect with Atelier Wealth

If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property.

Book a strategy call:
https://www.atelierwealth.com.au

Subscribe:
Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders.

New episodes every Monday at 7 AM.

How does a 22-year-old from regional Victoria build a property portfolio while working two jobs and earning a normal salary?

In this episode of the Australian Property Investment Podcast, Aaron sits down with Harley Giddings, a mortgage broker and property investor who has built a multi-property portfolio before the age of 25.

No trust fund.
No six-figure salary.
Just strategy, discipline, and smart property investing.

Harley shares exactly how young Australians can still enter the property market, even during a housing affordability crisis.

If you’re wondering how to buy your first investment property, build a property portfolio, or invest in real estate in Australia, this episode breaks down the strategy step-by-step.

• How Harley bought his first investment property at 22
• How he built a property portfolio worth over $2M in his 20s
• The biggest mistakes young property investors make
• Why income isn’t the biggest barrier to investing in property
• The role of mortgage brokers and property strategy
• How to structure your loans to keep buying property
• The power of compound growth and leverage in real estate
• How guarantor loans can help first home buyers enter the market sooner
• Why financial discipline and budgeting matter more than income
• The mindset required to build wealth through property in Australia

Harley proves that building a property portfolio isn’t just for high earners or people with wealthy parents.

Growing up in regional Victoria, he worked two jobs, including shifts at a BP service station, saved aggressively, educated himself through books and podcasts, and invested strategically.

His message is simple:

“I’m not special. If I can do it, other young Australians can too.”

Harley Giddings is a mortgage broker and property investor who shares practical advice on property investing, finance, and wealth building through his platform Property With Harley.

His goal is to help young Australians realise that buying property and building wealth is still possible with the right strategy.

New episodes are released every Monday at 7am.

If you enjoyed this episode:

👍 Like the video
📩 Share it with someone who wants to buy property
🔔 Subscribe for weekly property investing insights

Book a strategy session with the team at Atelier Wealth
👉 https://atelierwealth.com.au

Instagram: Property With Harley
TikTok: Property With Harley

00:00 – Worst mistakes young property buyers make
01:08 – Building a property portfolio before 25
03:39 – Growing up in regional Victoria
07:04 – Why he started investing at a young age
09:54 – Buying his first investment property at 22
14:18 – How one property can change your financial future
18:20 – Property strategy vs buying randomly
31:33 – Advice for young investors starting today
42:08 – The truth about getting into the property market
46:37 – Real costs of owning investment properties
50:41 – Rapid-fire questions for young investors

Interest rates are rising again… and investors are hesitating.
But what if that hesitation is exactly where the opportunity is?

In this episode of the Australian Property Podcast, Aaron sits down with Sam Gordon, founder of Australian Property Scout, to break down what’s really happening in today’s market and why most investors get it completely wrong.

Sam shares the brutal truth about property investing, including the biggest mistake he’s ever made:

👉 “The most money I ever lost in the market… was time out of the market.”

If you’re waiting for the “perfect time” to invest, this episode will challenge everything you think you know.

• Why most investors never get past 1–2 properties

• How rising interest rates actually create opportunity

• The biggest mindset shift needed to build a serious portfolio

• Why strategy matters more than timing

• How to push through the hardest stage of investing (the “runway phase”)

• The truth about cashflow, growth, and scaling

• First-time investors are feeling unsure in today’s market

• Investors stuck at 1–2 properties

• Anyone waiting for rates to drop before making a move

• People are serious about building long-term wealth through property

Aaron is giving one listener access to Sam Gordon’s School of Property his full investing program.

To enter:

- Subscribe to the channel

- Follow @aupropertyinvestmentpodcast on Instagram

- Send us a message on Instagram saying why the course would be valuable for you.

Winner announced Friday, April 10th via Instagram!

In Part 2 of this explosive conversation, Emil delivers one of the most controversial takes on the future of work, AI, and the property market in Australia.

From predicting 20%+ unemployment to claiming AI will replace entire industries, this episode dives deep into what could be the biggest economic shift of our lifetime.

If you're a business owner, investor, or employee… this episode isn’t just interesting - it’s a warning.

• Why Emil believes AI will replace most white-collar jobs

• The real reason he’s selling his entire property portfolio

• How AI agents are already running entire businesses

• Why unemployment could skyrocket over the next 2-3 years

• The impact of AI on the Australian property market

• Why demand for property could collapse (and what happens next)

• How business owners will choose AI over employees (every time)

• What happens when people can’t get loans due to job loss

• The industries most at risk from automation right now

• How to protect your career, income, and future

00:00 – “I don’t tolerate excuses” mentality
01:30 – AI will push unemployment above 20%
02:00 – AI replacing entire teams & businesses
05:00 – Why accountants, marketers & office jobs are at risk
11:00 – $100K employee vs $20/month AI decision
11:30 – Why Emil is selling ALL his properties
23:00 – What happens when people can’t borrow money
30:00 – Fear for families, mortgages & the middle class
55:00 – Simon Beard on AI replacing entire departments
1:02:00 – How to stay relevant in the AI era

Emil predicts a “doomsday scenario” where:

• Mass job losses reshape the economy

• Property prices fall due to a lack of borrowing power

• Businesses massively downsize using AI

• Entire industries disappear

Agree or disagree - this is a conversation you need to hear.

This episode isn’t theory.

You’ll hear real examples of:

• AI running group chats, managing projects, and executing tasks

• Businesses replacing entire teams with AI assistants

• Tasks that took hours are now done in seconds

• AI outperforms highly skilled professionals

The people who win in this next cycle won’t be the smartest…

They’ll be the fastest to adapt.

• Property investors & developers

• Business owners & entrepreneurs

• Corporate professionals & employees

• Anyone worried about job security

• Anyone curious about AI, automation & the future

• Stay ahead of massive economic shifts

• Understand where the property market is heading

• Learn how to leverage AI before it replaces you

• Prepare for what’s coming next

AI jobs, AI unemployment, future of work Australia, property market crash Australia, AI replacing jobs, automation economy, investing podcast Australia, real estate investing, AI business tools, economic forecast 2026, mortgage industry future, finance jobs AI

Do you agree with Emil… or is this completely overblown?

Connect with Atelier Wealth

If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property.

Book a strategy call:
https://www.atelierwealth.com.au

Subscribe:
Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders.

New episodes every Monday at 7AM.

From coaching Tom Trbojevic to advising multimillion-dollar businesses, Nathan Hogan shares what it really takes to operate at the top 1%.

If you’re self-employed or running a business, this episode reveals the finance strategies high-performing operators use to scale sustainably - without destroying cash flow.

Aaron sits down with commercial finance strategist Nathan Hogan (iFin Capital Group) to unpack how elite business owners think about debt, capital, forecasting and growth in today’s tighter economic environment.

This conversation dives into the psychology of investing, high-performance mindset, and the financial discipline required to operate in the top tier of business owners.

• How business owners should think about debt for growth
• The biggest financial mistakes SMEs make when scaling
• Why revenue growth can actually hurt your business
• Cash flow forecasting strategies used by elite operators
• How interest rates and inflation impact business funding
• The difference between smart growth and risky expansion
• Why discipline beats motivation in business and investing
• How top performers prepare for downturns and setbacks
• Funding strategies for self-employed professionals
• The mindset required to operate in the top 1%

Nathan also shares insights from working with mid-market businesses ($10M–$250M turnover), coaching high-performance athletes such as Tom Trbojevic, and advising companies through capital constraints, rising interest rates, and market uncertainty.

If you’re a founder, CEO, investor, or high-income professional looking to grow your business strategically, this episode will change how you think about money, risk, and scaling.

What separates the top 0.01% of performers from everyone else?

In this raw and unfiltered conversation, entrepreneur Emil Juresic reveals the mindset behind elite performance, building multi-million dollar businesses, and why discipline, not motivation, is the real key to success.

From losing everything at 30 to rebuilding a business empire, Emil breaks down the hard lessons most people never hear about success, sacrifice, and resilience.

But this episode goes deeper.

We also dive into one of the most controversial topics right now

- AI, the future of jobs, and why Emil believes massive disruption is coming to the workforce.

Whether you're building a business, investing in property, or trying to unlock your potential, this episode will completely change the way you think about work, discipline, and opportunity.

If you say you want success, this conversation will challenge you. What you'll learn:

• The ONE trait that separates the top 0.01% from everyone else
• Why motivation is overrated, and discipline wins
• The dangerous way parents limit their kids' potential
• What it actually takes to build wealth from nothing
• The truth about sacrifice in business and life
• Why most people never reach their full potential
• How Emil rebuilt after losing everything at 30
• Why the future of jobs may look very different because of AI
• The mindset needed to thrive in the next decade

00:00 The Supercar Story That Explains Limiting Beliefs
00:52 Losing Everything at 30
02:08 Finding Purpose Beyond Money
07:00 Why Most People Chase the Wrong Goals
12:10 The Real Price of Success
18:01 Building Businesses & Eating Glass
27:00 Treating Business Like a Game
32:10 Why You Should Never Limit Your Kids
40:00 Learning to Love Pain in Business
46:00 The Trait That Separates the Top 0.01%
49:00 Why Discipline Beats Motivation
2:14:00 The Future of AI & Massive Job Disruption

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All major podcast platforms

Connect with Aaron:

Instagram: @aaronc_d
LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/

(New episodes every Monday)

• Property investing
• Building wealth
• Business growth
• Elite mindset strategies

If you enjoyed this episode:
👍 Like the video
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💬 Comment your biggest takeaway

Jack Henderson on Property Investing, Wealth Strategy & Building Income | Australian Property Investment Podcast

In Episode 2 of the Australian Property Investment Podcast, Aaron sits down again with property entrepreneur Jack Henderson to break down the real strategies behind building wealth through property and business.

Jack is known for his bold opinions and no-filter approach to property investing. In this conversation, he dives deeper into the financial structures, income strategies, and property investment mindset that have helped him build a multi-million-dollar portfolio.

From tax strategies used by high-income investors to the debate around rentvesting vs owning your home, this episode explores how successful investors think differently about money, income, and long-term wealth creation.

Jack also explains why most people fail to build wealth, the role income growth plays in property investing, and why execution matters more than knowledge when it comes to investing.

If you're trying to build a property portfolio in Australia, increase your income, or understand how experienced investors structure their wealth, this episode is packed with practical insights.

• The tax and business structures property investors use to grow wealth
• Why many accountants don’t think like investors
• The difference between knowledge vs execution in property investing
• Why income growth is critical before building a property portfolio
• Blue-chip property vs regional investing strategies
• How investors manufacture rental yield while targeting capital growth
• Why rentvesting can outperform owning your home financially
• The mindset needed to build long-term wealth through property
• Advice for investors under 35 trying to enter the property market
• How high-income earners structure their finances to invest more efficiently

Jack also shares the biggest misconceptions about him, what actually drives his success, and what he would do differently if he started investing again today.

Whether you’re a first-time property investor, entrepreneur, or someone looking to grow your income and wealth, this episode will challenge how you think about money, investing, and financial strategy.

About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: ⁠https://atelierwealth.com.au/⁠Follow the Australian Investment Property Podcast’s Official Instagram account: ⁠https://www.instagram.com/aupropertyinvestmentpodcast/⁠Follow Aaron on Facebook:⁠https://www.facebook.com/aaronchristiedavid⁠Follow Aaron on LinkedIn:⁠https://www.linkedin.com/in/aaronchristiedavid/⁠Subscribe to Atelier Wealth’s YouTube Channel:⁠https://www.youtube.com/@atelierwealth_au⁠

Contact Jack:

⁠https://henderson.com.au⁠

Instagram:

@jackchenderson