Banks are pulling back from trust lending… and most property investors don’t understand why.

While APRA has reinforced the 6x Debt-to-Income (DTI) rule, the bigger story is what’s happening inside bank credit policy - particularly around trust structures.

Some lenders have tightened or stepped away from trust lending altogether.

Why?

Because for the past few years, certain strategies have been pushed hard - suggesting investors could increase borrowing power by purchasing properties inside trusts, ignoring debt if cash flow was neutral, and stretching beyond traditional serviceability limits.

But what happens when interest-only loans expire?

What happens when you try to refinance while sitting above the 6x DTI cap?

And what happens if your borrowing strategy only worked inside a narrow policy window that no longer exists?

In this episode of the NO BS Property Investing Podcast, Julian sits down with Mark Davis (23-time Broker of the Year from the Australian Lending & Investment Centre) to unpack:

✅ Why banks are pulling back from trust lending

✅ How the 6x Debt-to-Income (DTI) limit really works

✅ The refinancing risks investors aren’t considering

✅ What happens when interest-only periods end

✅ Why trusts don’t automatically increase borrowing power

✅ When trust structures actually make sense

✅ How to build wealth sustainably without chasing loopholes

Key moments:

00:01:00 What's actually changed in lending
00:02:20 The 6x debt-to-income cap explained
00:04:00 Banks pulling out of trust lending
00:07:00 The Macquarie self-certification problem
00:08:00 Why trusts reduce borrowing for most people
00:10:00 Financial influencers and unlimited borrowing myths
00:11:00 The interest-only expiry trap
00:13:20 The narrow window where trusts work
00:15:40 Who trusts actually suit
00:18:20 What most investors really need

Hit play now to understand the new lending landscape and protect your portfolio from costly mistakes.

-


👉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/

Every generation believes they’ve missed the property market - and every generation is wrong.

If you’ve ever asked yourself “Is it too late to invest in property?”, “Have prices already gone too far?” or “What if I buy now and the market goes nowhere for 10 years?” you NEED to hear this episode.

In this episode of the No BS Property Investing Podcast, we break down one of the most common (and costly) fears in property investing.

The belief that you’ve missed the boat.

This fear shows up in every property cycle, for every generation - and yet, long-term data tells a very different story.

We’re sharing information on perspective, cycles, and how experienced investors think after seeing multiple booms, downturns, and recoveries.

Tune in to discover:

✅The reason why most people never actually get into property investing (even when they can afford it)

✅Why people think they’ve “missed the market” in every decade

✅What history and the data (not thoughts and feelings) tells us about Australian property cycles

✅Why waiting for certainty often costs more than buying at the “wrong time”

✅How experienced investors remove emotion from big financial decisions

✅The surprising and painful cost of doing nothing

Key moments:

00:01:00 The fear of buying too late
00:03:20 Why fear beats greed
00:07:00 Perth's 130% growth
00:09:00 40 years of property data
00:12:00 What actually moves a market
00:14:00 Ripehouse's property algorithm
00:16:00 Opportunities still under $400K
00:18:00 Why past results need context
00:21:00 Fear exists in every decade

If you've ever talked yourself out of investing because you felt the market had already moved too far, this episode will change how you think about timing, fear, and what "too late" actually means.

-

👉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

-

👉Find out more about the Lolli App and create your free account:


https://lolli.com.au/

-

✅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’ve been “too busy” to invest in property for the last few years, you’ve likely missed more in growth than you earn in a full year of income. But is it too late now? Nope!

The best time to start was in the past... The next best time to start is now.

Every January, thousands of Australians promise themselves that this will be the year they finally get serious about property investing.

Then work picks up, the kids get busy, and before they know it, January becomes December, and nothing has changed.

Today, we’re breaking down why intelligent, capable people delay investing, the true cost of inaction, and how the most successful investors actually build wealth without sacrificing their careers or family life.

What You’ll Learn in This Episode

✅What to do first if you want 2026 to be the year you get your first investment property

✅Why busyness is a convenient excuse (and not a real barrier)

✅The opportunity cost of waiting 2 to 4 years to invest in property… this WILL shock you

✅How successful investors delegate instead of trying to do everything themselves

✅Why property can outperform income when used correctly

✅How leverage accelerates wealth faster than saving ever can

If you’ve been putting off investing in property for a while - you’ll come away with more clarity and motivation to make this year the year you finally start.

Key moments:

00:01:00 The podcast's new direction for 2026
00:02:00 Market update
00:03:00 Unpacking the "too busy" excuse
00:05:00 Productivity vs. busyness and accountability
00:06:00 The income allocation gap
00:07:20 Quitter's Day and kicking the can
00:09:00 The opportunity cost of waiting
00:11:00 How property investors doubled their income
00:12:20 The one trait every successful investor shares
00:13:40 Mark and Julian's number one advice for 2026

Hit play now and find out exactly what it takes to turn thinking into property investing action in 2026.

-

👉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

-

👉Find out more about the Lolli App and create your free account:

https://lolli.com.au/

-

✅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/

Planning to invest more in property this year? Borrowing through a trust? You could be on a collision course with new APRA lending caps.

In this episode of the No BS Property Investing Podcast, we’re breaking down two MAJOR changes that are shaking up the Australian property investing landscape:

1. APRA’s new Debt-to-Income (DTI) restrictions

2. The crackdown on trust and company lending (including big moves from Macquarie Bank and CBA)

Tune in to hear about:

✅What the new APRA DTI rule means in simple terms

✅How debt-to-income ratio caps may affect your borrowing capacity

✅Why trust and company lending is being restricted (and who’s most at risk)

✅What investors using trust structures should be aware of

✅The role of second-tier lenders and non-bank lenders

✅How to future-proof your investment finance strategy

✅The truth about rentvesting, interest-only loans, and the 3% buffer

Key moments:

00:01:42 What the DTI rule actually means
00:04:42 The 3% buffer explained
00:06:20 Who should worry
00:09:40 Trust lending shutdown begins
00:12:00 The trust "hack" exposed
00:15:00 Refinancing risks
00:17:40 Non-bank lender options
00:19:40 What about loopholes?
00:21:20 The optimal strategy

This episode is essential listening if you’re:

• A current or aspiring property investor in Australia

• Considering using a trust or company structure for investing

• Concerned about your borrowing power or serviceability

• Wanting to build a sustainable property portfolio in a shifting lending landscape

-

👉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/

What actually separates successful property investors from those who get stuck, overleveraged, or disappointed?

This episode breaks down the 5 most critical lessons in property investing.

These lessons can either fast-track wealth creation or quietly hold investors back for decades (if ignored).

You’ll discover what truly makes the difference when it comes to finance structure, asset selection, mindset, and long-term strategy.

Tune in to hear about:

✅ Why defining your why and setting clear goals is the foundation of successful property investing

✅ How poor finance structuring and loan strategy can restrict borrowing capacity and stall your property portfolio for years

✅ Why choosing the right investment property and location beats trying to time the market

✅ The biggest myth in Australian property investing EXPOSED (and what the data really shows)

✅ The importance of building the right property investing team… including an investment-focused broker, accountant, buyer’s advocate, and property manager

✅ Why investor mindset, patience, leverage, and momentum are more important than chasing short-term gains

Whether you’re buying your first investment property, scaling a multi-property portfolio, or trying to recover from a poor purchase - this episode will help you understand what actually moves the needle in property investing.

Key Moments:

00:02:20 Finding your why and goals
00:05:00 Building your investment team
00:07:20 Asset selection decisions
00:10:40 Property as a business
00:13:00 Long-term mindset thinking
00:15:40 The compounding effect
00:17:20 Five lessons summary

Listen now and get the complete five-step framework that's helped investors pay off their homes decades early.

-

👉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/

Want to understand what actually drives returns in the Australian property market?

In this episode of the No BS Property Investing Podcast, we’re sharing the real financial “engine room” behind a strong property portfolio strategy.

You’ll hear a range of topics, including: rental yield, borrowing power, cash flow, buffers, negative gearing, and depreciation.

This episode is for you if you’re an aspiring property investor looking to avoid stalling their portfolio, improve serviceability, manage risk, and build a plan that holds up over the long term.

Tune in to learn:

✅ How rental yield impacts borrowing power (and why small rent differences can have a huge impact)

✅ The surprising situation where chasing higher rent can backfire

✅ The role of cash flow when forecasting investment returns

✅ How to set up buffers and offset accounts to stay in control

✅ Negative gearing explained in simple terms… and when negative gearing becomes dangerous

✅ A simple yet effective way to improve after-tax cash flow

✅ How to think about the next 10 - 15 years of portfolio growth and planning

This is a must-watch for understanding how rent, yield, and structure affect your ability to buy again (and build wealth faster).

00:01:40  How Yield Impacts Borrowing Power
00:05:20  When High Earners Chase Growth Over Yield
00:08:00  The Tenant Loyalty Trap
00:11:00  Building Strategic Buffers
00:15:20  Negative Gearing Explained Simply
00:18:40  When Negative Gearing Gets Dangerous
00:20:40  Depreciation Schedules Decoded
00:24:00  Planning Your Next Property Purchase
00:29:00  What The Next Decade Looks Like

If you're serious about building a property portfolio that compounds over decades… not one that stalls after the first purchase… hit play now and take notes.

-

👉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/

Natasha Choi is one of Australia’s Top 100 Mortgage Brokers, has helped over 3,000 clients, and settled more than $500 million in loans.

She’s also a property investor, developer, and mother of two.

This episode is a must-listen for people, couple, and women looking to get into property investing.

Whether you're buying your first investment property, planning your next move after a life transition, or simply want to understand how to approach property investing with confidence - Natasha shares practical insights and empowering advice from the front lines of finance and lending.

Key moments:

00:01:00 Top 100 Australian Broker
00:02:20 Male-Dominated Industry
00:04:40 Raising Kids + a Career
00:06:40 How Parenting Made Her Better at Finance
00:09:20 Why Some Clients Request Female Brokers
00:12:00 Becoming Confident
00:17:20 Couples & Investing Alignment
00:18:40 Advice for Women

Ready to take control of your financial future?

Listen now and discover how to leverage investment properties (even if that feels “out of reach” right now).

-

👉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 Natasha From ALIC✅

Natasha is a seasoned finance professional with over a decade of experience.

She brings a unique perspective to ALIC - leveraging her extensive property portfolio and small-scale development ventures to guide clients towards homeownership and wealth-building strategies.

-

✅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/

Less than 10% of investors own more than one property. Natasha Choi owns multiple.

She started at 22, and did it all while raising a family and running a growing career in finance.

In this episode of The No B.S. Property Investing podcast, we sit down with Natasha Choi, senior investment lending manager at the Australian Lending & Investment Centre(ALIC) - and one of Australia's top-performing brokers.

Natasha opens up about her property investing journey… from buying her first investment property at 22 to building a diversified portfolio.

All while raising a family and breaking norms in the male-dominated finance industry.

If you’re a first-time property investor, considering rentvesting, or confused about things like LMI, guarantor loans, or the buy vs. sell property debate, this episode is a must-listen.

Tune in to hear about:

✅How Natasha started investing in property at just 22 years old

✅The role of buyers advocates and how they helped her build a strong portfolio

✅How to use Lenders Mortgage Insurance (LMI) strategically

✅What is a guarantor loan, and how parents can help kids get started

✅Insights into cash flow management and budgeting for investors

✅Why rentvesting can be a smarter move than buying your dream home

✅The difference between good debt vs. bad debt

Natasha also shares how her migrant family background shaped her conservative mindset around money and debt - and how she broke through with education, expert guidance, and early action.

Key moments:

00:00:00 Meet Natasha Choi
00:03:00 Breaking Free From "Debt Is Bad" Thinking
00:05:40 Why Financial Literacy Isn't Taught
00:07:40 First Investment at 22
00:11:20 Why She Used Professionals Early
00:14:00 Her Biggest Investment Mistake
00:17:20 How Young People Can Start Today
00:21:20 The Guarantor Pathway
00:24:00 When to Hold vs Sell Property
00:25:20 The Rentvesting Strategy

Hit play now and discover why the best time to invest was yesterday - and the second-best time is today.

-

👉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 Natasha From ALIC✅

Natasha is a seasoned finance professional with over a decade of experience.

She brings a unique perspective to ALIC - leveraging her extensive property portfolio and small-scale development ventures to guide clients towards homeownership and wealth-building strategies.

-

✅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/

Thinking about self-managing your rental property to save money?

This episode explains why self-management can cost investors more in vacancies, under-renting, compliance issues, and lost borrowing power - and what smart Australian landlords do instead.

In this episode of the NO BS Property Investing Podcast, we break down why property management is one of the most critical (and misunderstood) parts of successful property investing.

From rental performance and tenant quality to refinancing, borrowing power, and long-term growth - poor management can quietly destroy your returns.

Joined by Mark Davis (Australian Lending & Investment Centre), we unpack what investors must know about managing rental properties properly.

Tune in to discover:

✅ Why self-managing a rental property often costs more than it saves
✅ How missed maintenance turns small issues into expensive problems
✅ Why tenant selection is just as important as purchase price
✅ What to look for when choosing a property manager
✅ The truth about property management fees (and what really matters)
✅ How consistent rent performance affects borrowing power & refinancing
✅ When and how to fire a bad property manager (step-by-step)
✅ How property management directly impacts portfolio growth & leverage

Hit play now and learn why great property management is the difference between building wealth and just owning real estate.

Key moments:

00:01:00 Why Management Matters
00:02:20 Self-Management Pitfalls
00:05:00 Hidden Costs of Bad Management
00:06:40 Selecting the Right Manager
00:12:00 Fee Structures Explained
00:14:40 Rent and Refinancing
00:17:20 Bank Calculations
00:18:40 Switching Property Managers
00:23:00 Matching Tenants to Risk

Whether you're buying your first investment property or managing a growing portfolio, this episode delivers the practical frameworks you need.

-

👉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/

Don’t let poor planning cost you thousands… or your property deal!

Whether you're a first-time buyer or a seasoned investor, this episode lays out exactly what to do after your offer is accepted - so you avoid delays, confusion, and expensive mistakes.

Your hosts, Julian and Mark Davis (Founder of ALIC, managing over $4.5 billion in loans), guide you through every step.

You’ll hear about things like sending the contract to your broker and conveyancer, to managing finance clauses, organising building and pest inspections, setting up insurance, and navigating settlement through PEXA.

Tune in to also hear about:

✅The importance of setting finance and inspection clause deadlines early
✅How to coordinate communication between brokers, solicitors, and agents
✅The truth about finance approval timelines and why “pre-approval” isn't enough
✅The risks of missing key dates and how it can cost you more than money
✅How to prepare for your pre-settlement inspection and what to look for
✅What happens on settlement day, who’s involved, and what PEXA does
✅The steps to ensure your property is rent-ready from day one
✅Final settlement day tips to keep things smooth, stress-free, and on track


Most buyers assume the hard work is over once their offer gets accepted. But this episode reveals a different reality.

The real work starts the moment ink hits paper.

Key moments:

00:01:00 What happens after contract signing
00:03:00 First actions after offer acceptance
00:06:00 The insurance mistake that costs buyers
00:10:00 Why communication makes or breaks deals
00:12:00 What banks actually need for formal approval
00:16:00 Getting your property manager involved
00:18:40 Why self-managing rarely pays off
00:21:40 Pre-settlement inspection essentials
00:27:00 Finance checks before settlement
00:30:00 How modern settlement actually works

-

👉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/