The hosts discuss why first-time investors often miss good opportunities in a fast market by panicking over “red flags” that are frequently manageable. They explain how items flagged in building and pest reports can often be costed and negotiated while stressing the importance of using an independent, reputable inspector. They also cover financial conditions that may not be red flags: a slightly more expensive home loan can be worth it if a faster lender improves your chances in competitive offers, and paying LMI can help buyers enter the market earlier.

Connect with us ➜ https://linktr.ee/ftpi.pod

00:27 The 7/10 Property Myth

02:00 Cosmetic Fixes vs. Real Dealbreakers (Location, Layout, Reno Fear)

03:56 Moisture, Waterproofing & Using Building Reports to Negotiate

06:18 Power Shift in Contracts: Cooling-Off, Conditions & Buyer Leverage

09:17 Inspector Reality Check: When to Walk Away + Avoid Agent-Issued Reports

11:04 'Expensive' Home Loans - Why Speed Often Beats Rate

16:43 LMI Isn’t the Enemy: Paying to Get In Earlier (and Buy Better)

23:02 Easements - What They Are & When They Matter

29:21 Termites 101: Risk, Treatment, Due Diligence & Negotiation

34:23 Final Recap

First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong. 

Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence.

Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry.

Welcome to the First Time Property Investor Podcast!

In this reboot episode, the hosts unveil their exciting new direction, transitioning from the 'Toxic Property' podcast to the 'First Time Property Investor' podcast, or FTPI for short. They discuss the motivation behind the rebrand, aiming to cater specifically to first-time and relatively new property investors. The hosts emphasise the importance of realistic expectations, financial choice over financial freedom, and the value of having the right mentor to navigate the complexities of property investment. They share personal experiences, notable lessons, and future content plans, which include educational deep dives, real client stories, and region-specific insights. Join the journey as they strive to be the mentors they wish they had and help new investors make informed, strategic decisions.

00:00 Exciting Rebrand Announcement

00:57 Target Audience and New Focus

02:12 The Importance of Mentorship

03:04 Financial Choice vs. Financial Freedom

04:23 Realistic Property Investment Goals

07:21 Content and Client Stories

08:54 Personal Investment Journeys

14:46 Conclusion and Future Plans

With over 15 property purchases between them, our hosts share hard-earned lessons from their property investment journeys. From avoiding emotional investments and having a solid debt strategy, to diversifying your portfolio, they spill the beans on the costly mistakes they've made - saving you potentially hundreds of thousands of dollars. Featuring personal stories and practical advice, this episode is a must-listen for anyone serious about jumping into property investment.

00:00 Introduction

00:41 Lesson 1

10:27 Lesson 2

21:44 Lesson 3

29:07 Toxic Takes

Connect with us

⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠

⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠

⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

Rental Yields Under Pressure: Strategies for Property Investors in a Changing MarketThe podcast episode discusses the unexpected decline in rental yields and provides actionable advice for property investors to protect their investments. Key topics include the definition and importance of rental yield and vacancy rates, the impact of current market changes on rents, and the importance of strategic pricing. With input from industry experts, the episode emphasises the need for realistic rental appraisals, understanding the media narrative versus on-ground realities, and adopting a long-term perspective. The discussion also covers the implications of affordability on the rental market and offers guidance on securing quality tenants.00:00 Introduction: Rents Are Going Down!00:46 Understanding Rental Yields02:41 Vacancy Rates and Market Dynamics06:48 Pricing Strategies for Landlords14:51 Media Narratives vs. Market Reality19:02 Investor Insights and Property Trends28:14 Conclusion and Final Thoughts

Connect with us

⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠

⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠

⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

Price guides for properties are often misleading and can create unrealistic expectations for buyers. In this episode, the hosts take listeners through a recent live auction involving a mutual client. They explain why most bidders were unable to place a bid and share strategies on how to secure a home in a hot market. The episode covers pre-auction preparation, including client expectations, property valuations, and managing nerves. The hosts also discuss the psychology of auctions, including dealing with ego bidders and setting the right opening bid to control the auction. The episode wraps up with insights on avoiding common pitfalls and ensuring successful property purchases even in competitive markets.00:00 The Problem with Price Guides00:21 Client Case Study: Pre-Auction Preparation12:58 Understanding Auction Day Dynamics18:02 The Auction: Strategy and Execution25:59 Post-Auction Reflections and Key Takeaways28:00 Final Thoughts and Advice

Connect with us

⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠

⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠

⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

This episode dives deep into the first two weeks of the First Home Guarantee Scheme changes - the imminent property price surge, increasing open house attendances, and fierce competition among first home buyers and investors alike. We discuss strategic tips for navigating the competitive market, from shortening finance clauses to staying realistic about rental yields. Hear firsthand accounts of current market dynamics and gain insights into effectively preparing for your property journey.00:00 Introduction to the First Home Guarantee Scheme Changes00:55 Current Market Observations from a Buyer's Agent04:50 Navigating Competitive Offers and Finance Clauses08:56 Tenant Market Shifts and Landlord Realities10:53 Investor Insights and Market Dynamics18:10 The Importance of Speed in Loan Applications26:56 Final Thoughts and Key Takeaways

Connect with us

⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠

⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠

⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

Delving into part five of the selling season series, this episode explores crucial steps to get finance ready using the LOANS framework: Live Clean, Organize Evidence, Affordability Check, Nail the Structure, and Secure Pre-Approval. The discussion covers managing financial hygiene, gathering necessary documents, matching borrower profile to suitable lenders, choosing appropriate loan structures, and the significance of obtaining a fully assessed pre-approval. Insights into common pitfalls and practical tips for smooth loan approval are provided by finance, property, and real estate experts.00:00 Introduction to Getting Finance Ready00:43 Step 1: Live Clean08:02 Step 2: Organise Evidence16:41 Step 3: Affordability Check23:08 Step 4: Nail the Structure32:33 Step 5: Secure the Pre-Approval40:48 Final Thoughts and Contact Information

Connect with us

⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠

⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠

⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

Mastering Property Negotiation: 9 Essential Tips for Buyers

In part four of our spring selling season series, we delve into the art of negotiation with nine key strategies for buying a property. Learn how to read an agent's energy, leverage conditions, use silence to your advantage, and understand the best timing for placing an offer. Discover the importance of odd numbers in bids, the power of a heartfelt letter, and how to utilise pest and building inspections for negotiation. Finally, uncover the benefits of gaining access prior to settlement and the best ways to communicate with agents. Your ultimate guide to property negotiation starts here!

Connect with us

⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠

⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠

⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠

⁠

00:00 Introduction to Spring Selling Season Series

00:19 Reading the Agent's Energy

03:33 Understanding Conditions in Offers

09:18 The Power of Silence in Negotiation

11:43 Timing Your Offer Submission

13:03 Calling the Agent for Insights

16:44 Negotiating with Different Agents

19:45 The Importance of Transparency in Real Estate

20:14 The Power of Odd Numbers in Offers

24:08 Endearing Yourself to the Vendor

27:06 Negotiating Building and Pest Inspections

34:02 Access Prior to Settlement

36:25 Key Takeaways and Final Thoughts

This week the trio breaks down private treaty sales: what they are, the key steps, and crucial strategies for success. Learn about negotiating behind closed doors compared to auctions, setting realistic budgets, and ensuring your offer stands out. Discover the importance of building relationships with agents, understanding contract conditions, and navigating valuation challenges. Gain insights into common red flags, effective communication tactics, and how to avoid common pitfalls. Expect raw takes, insider strategies, and a few controversial opinions along the way.

00:00 Introduction to Spring Selling Season

00:16 Understanding Private Treaty Sales

01:13 Steps in the Private Treaty Process

03:38 Making an Offer and Negotiation Tactics

14:57 Conditions and Red Flags in Private Treaty

26:06 Valuation and Settlement Process

35:56 Final Thoughts and Toxic Takes

Connect with us

⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠

⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠

⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

Mastering Auctions During Selling Season: Tips, Strategies & PitfallsJoin your hosts as they dive deep into auctions during spring selling season. Learn the difference between auctions and private treaty, get top strategies for successful bidding, and understand the critical importance of pre-approvals and valuations. With insider tips on reading auctioneers and handling high-pressure situations, this episode is essential listening whether you're a first-time buyer or a seasoned investor.00:00 Introduction and Setting the Scene00:59 Understanding Auctions vs. Private Treaty02:42 The Importance of Pre-Approvals07:53 Reserve Prices and Price Guides12:42 Auction Terminology Explained18:29 Effective Auction Strategies25:07 Reading the Auctioneer and Auction Day Behavior32:13 Valuations and Financial Risks37:17 Consequences of Not Proceeding After Winning39:25 Toxic Takes and Final Thoughts