Thinking about buying an investment property in Australia, but unsure how to structure the loan or choose the right investment property lenders?

In this episode of The No B.S.Property Investing Podcast, we break down exactly what it means to be finance ready - before you borrow, before you structure a loan, and before you talk to any investment property lenders.

Whether you're a first-time investor or growing your portfolio, this episode gives you the no-nonsense framework for understanding investment property loans, how to structure them properly, and how to avoid the costly investment property finance mistakes most buyers never see coming.

We dive deep into:

✅ Choosing between interest-only vs principal & interest

✅ Understanding borrowing capacity (and why it’s often misleading)

✅ The truth about offset accounts vs redraw

✅ How to use equity safely when buying an investment property

✅ When to fix your rate vs stay variable

✅ How to build a finance structure that supports future purchases, not blocks them

✅ Why the wrong loan structure can cost you tens of thousands in tax and missed opportunity

If you’re searching for guidance on how to finance your investment properties and how to work with the right lenders, this episode is essential listening.

Key Moments:

00:01:00 Finance Ready Fundamentals
00:04:00 Interest Only
00:09:00 Offset Accounts
00:13:00 The Truth About Borrowing Capacity
00:17:00 Using A Guarantor
00:22:00 Structure Before Purchase
00:25:00 Common Upgrade Trap
00:29:00 Equity Release Tactics

Want to structure your home loans like you actually plan to build wealth? This episode gives you the financial foundations that most borrowers wish they'd learned before buying property one.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/


#PropertyInvestingAustralia #Rentvesting #RealEstateAustralia

From buyer’s agents to investment-savvy accountants, learn the proven team structure behind Australia's most successful property portfolios.

Welcome back to the NO BS Property Investing Podcast - where we cut through the hype and help you invest with confidence.

In this episode, Julian is joined by finance & lending expert Mark Davis to unpack one of the most critical elements of successful real estate investing: your A-Team.

Tune in to discover:

✅The key players you need in your property investing team (buyer’s agent, broker, accountant, & planner)
✅What makes a great wealth-oriented accountant
✅Why most financial planners don’t understand property investing
✅How to assess your team's alignment with your investment goals
✅Hidden commissions, referral kickbacks, and the dangers of one-stop shops
✅What makes a great mortgage broker (and warning signs to avoid)
✅Why chasing the cheapest rate might actually cost you thousands in future profits

Whether you're a new or seasoned property investor, this episode is a must-listen if you're serious about building long-term wealth through real estate in Australia.

Key Moments:

00:02:40 Financial Planners & Red Flags
00:05:20 Which Accountants Are Better
00:08:40 Why Brokers Transform Outcomes
00:12:00 Assessing Broker Performance
00:15:40 Buyer's Agent Selection Criteria
00:20:40 Melbourne Apartment Market Warning
00:23:00 Performance Metrics and Growth Targets

Tune in now as we break down how to choose the right professionals - including a buyer’s agent, mortgage broker, accountant, and financial advisor - and what red flags to watch out for.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

After helping over 1,000 people with their property investing strategy - we know the strategies that actually build long-term wealth look very different to what many people think (and even teach).

Whether you're chasing positive cash flow, considering a renovate and flip, or playing the long game with a buy and hold capital growth strategy - this episode breaks it all down for you so you can make a more informed decision.

You’ll hear about real-life numbers, real risks, and real investor experiences.

In this episode, we cover:

✅ Are positive or neutral cash flow properties really worth it?

✅ The truth about the renovate and flip strategy in 2025

✅ How buy and hold builds wealth through capital growth

✅ Common mistakes investors make chasing fast returns

✅ Why most investors fail to replace their income through property

✅ The impact of interest rate rises and rising construction costs

✅ How banks view different investment strategies

✅ Real case studies and financial breakdowns

It doesn’t matter if you’re a first-time investor, planning to build a portfolio, or just trying to learn more about property investing in Australia - this episode gives you the real-world insights you won’t hear at typical property seminars.

Key Moments:

00:01:00 Cash Flow Positive
00:04:00 Building Costs
00:07:00 Renovate & Flip
00:10:40 Bank Lending Perspectives
00:14:00 Investment Bank Selection
00:16:40 Regional Property Restrictions
00:18:00 Historical Growth Patterns
00:19:40 Strategy Selection Framework

(Note: This is part 2 of 2 - catch the previous episodes for more context and tips)

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au

If you’re thinking of investing in property WITHOUT a clear strategy… STOP and listen to this ASAP.

Most property investors fail because they buy first and strategise later - and that often means things go wrong from the start.

This is because your property investment strategy determines whether you build wealth or just accumulate debt dressed up as assets.

In this episode of the No BS Property Investing Podcast, we’re sharing the most common property investment strategies in Australia.

You’ll hear about buy and hold, renovate and flip, positive cash flow properties, NDIS, rooming houses, student accommodation, Airbnb, and even commercial real estate.

Here’s what you’ll learn:

✅ How to choose the right property investment strategy for you and your goals

✅ The difference between capital growth and cash flow positive properties

✅ A surprising reason why negative gearing isn't for everyone

✅ Hidden risks of specialist properties (you MUST know this before buying these properties)

✅ The pros and cons of commercial property investing

✅ When (and when not) to invest using your SMSF (Self-Managed Super Fund)

✅The "investment opportunity" that's secretly been Australia's worst-performing asset for half a century

✅ Who should (and shouldn’t) invest in Airbnb or student housing

Join Julian from Ripehouse and Mark from ALIC (Australian Lending And Investment Centre) for real insights from experts who’ve helped thousands of property investors.

Key moments:

00:01:00 Why Most Investors Fail
00:02:40 The NDIS Property Trap
00:10:20 Chasing Yield
00:14:00 Commercial Property
00:18:00 Growth vs Yield
00:21:20 The $650K Entry Point

Listen now to discover which investment strategy aligns with your wealth-building goals and avoid the costly mistakes that derail most investors.

(Note: we got carried away with this conversation and shared so much value - we split it into two episodes. Tune in next week for part 2).

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Without the right finance structure, your property portfolio could hit a wall after your first deal.

This episode of The No B.S. Property Investing Podcast breaks down how to structure your loans, understand lender criteria, and align your finances with your investment goals.

Tune in to discover:

✅ What lenders actually look for (beyond your deposit)

✅ Why borrowing capacity is a myth and what to focus on instead

✅ The must-have financial team (you NEED these people in your corner if you want to maximise results)

✅ How ownership structures can make or break your tax strategy

✅ Why one wrong property purchase could cost you hundreds of thousands

✅ Real examples of what smart finance structuring looks like

Whether you're buying your first investment or building a portfolio, this episode will change how you think about finance, strategy, and what it really means to be investment-ready.

Key Moments:

00:02:00 What Financial Readiness Really Means
00:06:00 Credit Scores and Banking History
00:09:00 Borrowing Capacity Myth Exposed
00:12:20 The Waiter Broker Problem
00:14:00 The $200K Mistake
00:17:20 Strategic Ownership Structures
00:19:40 The 99/1 Ownership Strategy

Ready to understand what financial readiness actually looks like when getting into property investing? Listen now and avoid the costly mistakes Mark sees investors make every single day.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

99% of People STILL Don't Know THIS Property Investing Fundamental.

Access lending options & advice to suit your investing goals → https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

One of the BIGGEST mistakes people make when starting their property investing journey is not having clear goals and a financial strategy in place.

In this episode of the No BS Property Investing Podcast, we dig into what most Aussies overlook when jumping into property investing - clear, strategic financial goals.

If you’re looking at building long-term wealth, reducing non-deductible debt, and reaching financial freedom sooner - without defined goals, you're just spending money without direction.

Tune in to discover

✅Why your property investment goals are more important than your first property

✅Why 95% of Australians are behind on retirement planning

✅The 3 stages of most Aussie investors and how to move through them

✅How to pay off your home loan faster and avoid 30 years of mortgage slavery

✅The exact lending philosophy that keeps $4.7 billion in loans virtually arrears-free ( even after 18 interest rate increases)

✅The truth about passive income and how long wealth creation really takes

✅How to use your borrowing power ethically and strategically

Key Moments:

00:01:00 Why goals matter
00:04:20 The three stages of property ownership
00:09:00 Time frames for wealth creation
00:14:00 Borrowing capacity vs actual affordability
00:17:00 Retirement reality check
00:20:20 When the bank won't lend enough
00:23:00 The first home buyer trap
00:26:20 Personal goal reflections

Tune in to learn how clear goals and strategic investing can transform your financial future faster than you thought possible.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

He co-founded the company in 2009 and, over the past 15 years, has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/


#PropertyInvestingAustralia #Rentvesting #RealEstateAustralia

Today, we’re exploring why people get into property investing for wealth creation in the first place...

Along with why the traditional "Australian dream" of buying your own home might be the worst financial decision you'll make.

This episode is part 1 of a 12-part mini series, where we share the entire  property investment process, from dream to portfolio.

Your host, Julian Nicolitis (Head of Strategy at Ripehouse Advisory) is joined by Mark Davis (Founder of ALIC), sharing real knowledge gained from helping thousands of people with their real estate investing journey.

You’ll hear how Mark purchased 27 investment properties before buying his first home at 45, how average Australians on $80-85K incomes are building multi-property portfolios, and why 90% of investors fail.

You’ll also discover:

✅The difference between emotional buying and strategic investing
✅How to build a property portfolio with modest income
✅Renting vs buying in Australia: Is rent really dead money?
✅What makes property so powerful for wealth building in Australia
✅How to build the right team: lender, buyer’s agent, accountant & more
✅Why strategy matters more than hype in today’s Australian property market (2025)

Key Moments:

00:01:00 Why Australians Love Property
00:02:00 The Australian Dream Origins
00:03:00 Leverage Effect
00:06:00 Emotional vs Investment Buying
00:08:00 Rent vs Buy
00:11:00 Five Properties on 80K
00:15:00 The Mortgage Prison Phenomenon
00:18:00 27 Houses
00:20:00 Building Your Wealth Team

Whether you're an aspiring property investor, a rentvestor, or someone trying to make sense of today's insane housing market - this episode will help you understand the real reasons behind Australia’s property obsession and how you can take advantage of it (WITHOUT the BS).

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-


✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

He co-founded the company in 2009 and, over the past 15 years, has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.


✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

FORGET generic home loans! Discover how strategic lending, smart tax structures, and risk management are transforming average incomes into multi-million dollar net worths.

Mark Davis from ALIC (a leading mortgage broker managing over $4.5 billion in loans) shares the counterintuitive strategies that transform ordinary income earners into multi-millionaires.

Whether you're a first-time investor, a seasoned buyer, or someone looking to reduce home loan debt and maximize cash flow, this episode is packed with value.

Tune in to learn:

✅How to build a successful property portfolio from scratch

✅Strategic lending tips to grow faster

✅Understanding borrowing capacity in Australia

✅The truth about trust structures vs personal ownership

✅How to reduce non-deductible home loan debt

✅Negative gearing explained (and when it actually works)

✅Why cash flow buffers are critical in 2025

✅What most investors get wrong (and how to avoid it)

✅How tools like Lolly App can help you track net worth, borrowing power & more

Plus, you’ll also hear insider secrets and tips around market timing, interest rates, and what's ahead for property in Australia.

Key moments:

00:05:00 Life-Changing Success Story
00:10:00 Mortgage vs Investment Strategy
00:15:40 Rate Cuts and Market Timing
00:21:20 Banks vs Brokers 
00:30:20 Lolly App 
00:36:00 The Truth About Trust Structures
00:47:20 Melbourne Market Opportunity

This episode cuts through the property investment noise with hard numbers and real client stories.

Whether you're wondering about the impact of rate cuts, considering trust structures, or trying to understand your true borrowing capacity - Mark delivers the no B.S. truth about building wealth through property in today's market.

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-


✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

He co-founded the company in 2009 and, over the past 15 years, has forged it into one of Australia’s most respected brokerages.

-

✅Contact ALIC✅

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.


✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

After 21 years in the big banks, Mark Davis exposes the gaps in traditional lending - and how savvy investors are using strategy, not just rates, to grow multi-property portfolios in today’s market.

In this exciting first episode of No B.S. Property Investing, host Julian Nicolitsis (Head of Strategy at Ripehouse Advisory) is joined by Mark Davis (Director and Principal at ALIC).

Together, they separate the B.S. from the fact...

Sharing how everyday Australians can actually scale a property portfolio, reduce non-deductible debt, and achieve financial freedom.

From rentvesting strategies to managing borrowing capacity, Mark shares powerful insights from his 30+ years in the finance and banking sector - including how he grew his own multi-million dollar property portfolio using smart, ethical lending practices and a team-based investment approach.

Whether you're a first-time investor, a property strategist, or looking to break through the 1-2 property plateau, this episode is packed with actionable insights you won’t hear from your average mortgage broker or banker.

Tune in to discover:

✅How to build wealth with property (even on a modest income)

✅Why ethical lending and reducing bad debt is the key to long-term success

✅The biggest mistakes investors make when scaling their portfolio

✅What banks don’t tell you about investment lending

✅How to build a team around your investments (brokers, buyer’s agents, accountants)

✅Why rentvesting is still a powerful wealth strategy in Australia

✅How to assess when to sell, hold, or leverage equity

Key Moments:

00:01:00 Leaving ANZ After 21 Years
00:05:00 The Investment Lending Gap
00:08:00 Ethical Lending
00:11:00 The Property Hoarding Problem
00:14:00 Rentvesting Strategy
00:17:00 Bank of Mom and Dad
00:20:00 Personal Investment Journey
00:27:00 What Separates Winners

Ready to discover why everything you've been told about property investment might be backwards?

Hit play now.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access the “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

He co-founded the company in 2009 and, over the past 15 years, has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅:

https://www.ripehouseadvisory.com.au/