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First Time Property Investor
By Imtiyaz RatherEducation
First Time Property Investor episodes
- S2E32 - House, Unit, or Townhouse? Property Types Explained in Under 15 Minutes
In this episode
House, apartment, townhouse, villa, duplex... what’s actually the difference, and does more land automatically mean a better investment? Pete runs through all five property types in rapid-fire, then he and Skye dig into the real decision drivers: why a house isn’t always the better buy, how strata and body corporate actually work (and why it shouldn’t be a dealbreaker), and why cashflow often favours lower-maintenance properties over land.
- (00:00) - The five property types explained (houses, apartments, townhouses, villas, duplexes)
- (05:02) - Is a house automatically the better investment?
- (06:03) - Strata, body corporate, and title types explained
- (08:21) - Why townhouses and apartments often win on cashflow
- (09:51) - Maintenance and repair responsibilities
- (12:31) - Final takeaway
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
14 min - S2E31 - What Does A Property Manager Actually Do? FTPI Explained
In this episode
Buying the property was just the beginning. Now you need to manage it. In this episode, Skye breaks down what a property manager really does beyond collecting rent, the fees first-time investors often don’t see coming, and the risks of trying to self-manage. A clear, practical look at why the right property manager can make or break your investment experience.
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
12 min - S2E30 - Should You Use A Buyers Agent? FTPI IRL
In this episode
Would you pay $18,000 for a buyer's agent? What if you had plenty of time to search yourself, or the fee meant buying a cheaper property? In FTPI IRL, Imti puts four first-investor situations to Pete and Skye and asks them to make the call. Their answers aren't always the same, and that's exactly where the useful conversation starts.
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
24 min - S2E29 - Buyers Agents Explained: What Do They Actually Do (And Cost)?
In this episode
What are you actually paying for when you hire a buyer's agent? Pete breaks down what they do, what the fee can cover and how to tell whether someone is worth considering. We also talk about who they work for, the questions to ask before signing and why off-market deals aren't automatically better.
- (00:00) - What is a buyer's agent?
- (02:57) - How much does a buyer's agent cost?
- (05:30) - How to spot a good buyer's agent from a bad one
- (08:24) - What a buyer's agent shouldn't replace
- (10:30) - Do off-market properties actually exist?
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
- (00:00) - What is a buyer's agent?
- (02:57) - How much does a buyer's agent cost?
- (05:30) - How to spot a good buyer's agent from a bad one
- (08:24) - What a buyer's agent shouldn't replace
- (10:30) - Do off-market properties actually exist?
13 min - S2E28 - A Case Study: Should You Use A Parental Guarantor To Buy Your First Investment Property?
In this episode
Jess wants to buy her first investment property, and her parents could help with the deposit. But should she take them up on it? In this FTPI IRL episode, Imti puts four versions of her situation to Pete and Skye, changing the numbers or family circumstances each time. The interesting part is where they agree, where they don't, and what changes their minds.
- (00:00) - Scenario 1
- (05:06) - Scenario 2
- (10:14) - Scenario 3
- (18:17) - Scenario 4
- (23:26) - Final takeaways
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
- (00:00) - Scenario 1
- (05:06) - Scenario 2
- (10:14) - Scenario 3
- (18:17) - Scenario 4
- (23:26) - Final takeaways
25 min - S2E27 - Parental Guarantors Explained: What Mum and Dad Are Really Signing Up For
In this episode
Mum and Dad might be willing to help you buy, but what are they actually signing up for? Imti explains how a parental guarantor works, what it can and can't help with and the questions both sides should understand before agreeing. Including how parents might eventually come off the guarantee.
- (00:00) - What a parental guarantee actually is (Tom's example)
- (02:24) - Is the parent liable? What happens if the child defaults?
- (05:02) - Do parents need to own their home outright?
- (06:06) - Can you guarantee for multiple children?
- (06:49) - Using a guarantor for an investment property
- (08:22) - Managing risk — legal advice and setting expectations
- (10:02) - How parents get released from the guarantee
- (11:39) - The biggest risks: cash flow and asset selection
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
- (00:00) - What a parental guarantee actually is (Tom's example)
- (02:24) - Is the parent liable? What happens if the child defaults?
- (05:02) - Do parents need to own their home outright?
- (06:06) - Can you guarantee for multiple children?
- (06:49) - Using a guarantor for an investment property
- (08:22) - Managing risk — legal advice and setting expectations
- (10:02) - How parents get released from the guarantee
- (11:39) - The biggest risks: cash flow and asset selection
14 min - S2E26 - Where Should I Buy? The One Number We'd Bet On Every Time
In this episode
If you could only check one number before choosing a suburb, what would it be? Imti and Pete make the case for looking at how many homes are lived in by their owners, and what that might tell you about demand. They also explain where the number can be misleading and what else they'd want to check.
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
24 min - S2E25 - Our Biggest Property Mistakes: 30 Years of Lessons in One Episode
In this episode
The strange thing about our biggest property mistakes? They all felt like sensible decisions at the time. Pete talks about chasing bigger blocks, Imti about researching himself into false confidence, and Skye about buying something that felt safe. We look at what we'd do differently now and what first-time investors can take from it.
- (00:00) - Pete's mistake - does size really matter?
- (12:42) - Imti's mistake - knowledge isn't always power
- (24:25) - Skye's mistake - when playing it safe doesn't pay off
- (33:22) - Recap & takeaways
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
- (00:00) - Pete's mistake - does size really matter?
- (12:42) - Imti's mistake - knowledge isn't always power
- (24:25) - Skye's mistake - when playing it safe doesn't pay off
- (33:22) - Recap & takeaways
36 min - S2E24 - Should You Buy Commercial Property? The Three L's You Need to Stress-Test First
In this episode
Commercial property can look tempting when you see the rental income. But what happens if the tenant leaves, or you need to find another one? Imti and Pete work through the three Ls—lease, location and lending—and the costs and risks worth understanding before deciding whether commercial belongs in your plans.
- (00:00) - Why commercial property is so appealing right now
- (06:01) - The Lease
- (11:21) - Location
- (17:44) - Lending
- (24:28) - Alternatives to commercial (and doing nothing)
- (25:47) - Final takeaways
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
- (00:00) - Why commercial property is so appealing right now
- (06:01) - The Lease
- (11:21) - Location
- (17:44) - Lending
- (24:28) - Alternatives to commercial (and doing nothing)
- (25:47) - Final takeaways
28 min - S2E23 - Should You Buy An Apartment? Top Three Questions To Ask Yourself First
In this episode
An apartment can look affordable on paper. But have you worked out what it really costs to own, and who might buy it from you later? Imti and Pete look at strata costs, rental income and the types of buildings worth a closer look, then share three questions they'd ask before buying.
About First Time Property Investor
Thinking about buying your first investment property, or how buying your first home could shape your plans to invest?
First Time Property Investor (FTPI) helps you make sense of the choices and trade-offs that come before Investment #1.
FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Hosted by Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property), bringing perspectives across finance, buying and ownership.
Need help with your property plans?
Whether you're preparing for your first investment property or working out how your first home fits into the bigger picture, we're here to help you work through your next steps.
Find the right person to help ➜ https://www.ftpi.com.au
Follow FTPI on Instagram
More conversations, insights and perspectives from Imti, Pete and Skye.
Instagram ➜ https://www.instagram.com/ftpi.pod/
31 min
About First Time Property Investor
From the publisher's feed
Thinking about buying your first investment property? Or wondering how buying your first home could shape your investment plans?
First Time Property Investor (FTPI) helps you make sense of the choices, trade-offs and advice that come before Investment #1. FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.
Join Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property) for perspectives across finance, buying and ownership.
Explore more ➜ www.ftpi.com.au