No BS With Birchy

Nathan sits down with investors Nathan and Annette, a couple from regional NSW who started with $200,000 and built a portfolio of eleven properties in two and a half years on combined incomes of around $80,000. They talk through how they did it, the properties they almost didn't buy, and what the journey actually looks like from the inside when you are doing it on an average wage.

00:00 - Intro: eleven properties, average income, two and a half years 04:00 - How it started: watching Facebook Lives and backing the strategy 09:00 - The broker who said don't invest during COVID and what happened next 14:00 - The Gold Coast apartment bought for $260K now worth $770K 19:00 - The property nobody wanted: three bedrooms for $163K at $400 a week 24:00 - Favourite vs least favourite property and why the numbers are all that matters 29:00 - How equity works to leapfrog the portfolio without saving harder 33:00 - The loneliness of winning when nobody around you gets it 36:00 - Getting the next generation involved and second generation investors 38:00 - Final word: more properties, less risk

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

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***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

Nathan sits down with Belinda, Australia's most followed property valuer, to cut through the noise on what is actually happening in the market right now. They cover where prices are falling and why, the buyers agent bubble, what the May budget changes mean for investors, and the one thing about the July 2027 valuation deadline that nobody in the media is getting right.

00:00 - Intro: Belinda the Valuer returns to the studio 03:00 - What a valuer actually sees that the media doesn't 07:00 - Where prices got way out of hand and why it was never sustainable 12:00 - The buyers agent bubble: when everyone's data comes from the same ChatGPT 18:00 - Nathan's trick: buy early, let the buyer's agents become the liquidity pool 23:00 - Sydney: why it went up the fastest and came down the hardest 28:00 - Melbourne is now cheaper than some regional Queensland. Here's why that's opportunity 34:00 - The May budget: who it was supposed to help and who it actually hurt 39:00 - Government debt, stimulus packages and why the big crash keeps getting delayed 45:00 - Hyperinflation: has it happened before and could it happen here 51:00 - Wise investors vs scared investors: what Nathan's clients are actually doing right now 56:00 - The July 2027 valuation deadline: don't panic, here's what it actually means 01:01:00 - Should you get it valued high or low? The answer is more complex than you think 01:04:00 - How to contact Belinda and what to watch out for 01:06:00 - Final word

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

While everyone else is watching the news and waiting for the crash, Nathan is out actively buying. In this episode he breaks down what is actually happening across Australian property markets right now, why the panic is creating the best opportunities he has seen in years, and the distressed stock networks that most buyers agents have never even heard of.

00:00 - Intro 01:00 - What the news is getting wrong about the market 03:00 - Where prices are falling and where they are not 05:00 - Investors throwing in the towel and what that means for renters 07:00 - Distressed stock: 160 properties sold in 36 hours 09:30 - The Melbourne opportunity nobody wants to talk about 11:30 - Why every "crash" prediction has been wrong 13:00 - Disposal agents, liquidators and how to get on the list 13:45 - Final word

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan breaks down the trust structure debate that has taken over social media. Why the big four banks are quietly pulling back from trust lending, what happened to investors who chased the infinite borrowing loophole, and why the answer to trust vs personal name is almost never what the TikTok gurus are telling you.

00:00 - Intro 01:30 - Why the big four banks are exiting trust lending 04:00 - The client with 20 properties who got stuck because of a trust 06:30 - The infinite borrowing loophole and why the banks closed it 09:00 - Land tax: why a trust could cost you $32K a year on the same property 11:30 - Where negative gearing losses get trapped inside a trust 13:30 - When trusts actually make sense in a portfolio 15:30 - Who is pushing trusts and what is their agenda 16:30 - Final word: align the structure to the strategy not the other way around

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan breaks down what financial freedom actually looks like when the portfolio has to pay the bills. Why having ten properties does not automatically mean you are retired, how to transition a portfolio built for growth into one that generates cash flow, and what Nathan was not prepared for when he quit his job at 24.

00:00 - Intro 02:00 - The difference between looking wealthy and being financially free 05:00 - Why liquidity matters more than most investors realise 08:00 - The accumulation trap: collecting assets without a transition plan 11:00 - How to turn a growth portfolio into a cash flow portfolio 14:00 - How Nathan quit his job during the GFC and what made it possible 18:00 - The identity shift nobody prepares you for when you stop working 21:00 - Why retirement is not great for everyone and what to watch out for 23:00 - Each phase of the journey needs a different version of you 24:00 - Final word: what financial freedom actually looks like

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan breaks down why taking property advice from social media could be the most expensive mistake you ever make. Who is actually getting paid when an influencer recommends a suburb, why the markets everyone is hyping right now are the ones Nathan is selling out of, and what three decades of investing looks like compared to three years of ring light content.

00:00 - Intro 02:00 - Why anyone can look like an expert with a phone and a ring light 05:00 - The difference between building wealth and building a brand 08:00 - How large buying groups skew data and create fake boom towns 12:00 - Lost decades: Perth 2010, Melbourne 2016 and who is talking about that on TikTok 16:00 - The fad cycle: granny flats, NRAS, NDIS, rooming houses and what comes next 20:00 - Why growth is never guaranteed and what Nathan actually buys on 23:00 - Strategy vs hope: why some investors get to 50 properties and some get stuck at two 25:00 - How to cut through the noise and find advice you can actually trust 27:00 - Final word: numbers don't lie, emotions do

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan sits down with Sumit from Zinger Finance for an impromptu podcast after Sumit walks in with a presentation nobody asked for but everyone needed to see. The real cost of waiting. What happens to your borrowing capacity while you sit on the fence, why the lower end of the market is getting squeezed from both sides, and why the investors who act now will look back on 2026 the same way people look back on 2012.

00:00 - Intro 02:00 - The cost of waiting: what happened to people who said they'd buy after rates went up 05:00 - Same client, 2021 vs 2026: borrowing capacity down $104K with the same numbers 09:00 - One client, three lenders: CBA vs Firstmac vs Liberty and the $378K difference 14:00 - Why a 30-year loan contract does not mean you are stuck for 30 years 17:00 - The two-tier market: why the lower end is getting sandwiched and prices are rising 21:00 - What happens to your portfolio when rates drop and everyone can borrow again 24:00 - Ten properties doubling vs one property doubling 26:00 - Which parachute do you want to pull: having options vs having regrets 27:00 - Final word: what is the opportunity cost of waiting

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan sits down with Sumit from Zinger Finance to talk about why they're rebranding after nearly 20 years. Where the name Zinger came from, why they can't just hire brokers off the street, why they operate more like a charity than a mortgage business, and what the new look and direction means for investors.

00:00 - Intro 02:00 - The origin of the Zinger name: a chicken deal, a sweating Indian banker and a KFC ad 07:00 - Why Zinger operates like a charity and writes $90K loans while other brokers chase $900K ones 12:00 - Why the average Zinger client has 15 properties on an $80-100K salary 16:00 - Why existing brokers never last and why Zinger trains everyone from scratch 21:00 - The internal career path: customer service to credit analyst to broker 25:00 - What changes with the rebrand and what stays exactly the same 28:00 - The new logo, the percentage symbol and what it stands for 31:00 - Final word: finance that keeps you moving

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan sits down with Geordie from Williams Real Estate to unpack one of the most powerful frameworks in property investing: the 18-year land cycle. Where we are right now in the cycle, which markets are about to get hurt, which ones are set up for the next boom, and why the people buying in Perth and Brisbane today could be the surrogate parents of the next decade.

00:00 - Intro: Nathan and Geordie's story and how they connected 04:00 - Geordie's background: construction, corporate, Rich Dad Poor Dad, and going all in 09:00 - The 18-year land cycle explained: 14 years of expansion, 4 years of downturn 15:00 - Tracing the cycle back: GFC, 1990 recession, Great Depression 21:00 - Where we sit today: equivalent to mid 2007 or late 1989 27:00 - How money flows through cities: Sydney, Melbourne to Brisbane, Perth and back again 33:00 - The mining boom bust and why those towns will roll over again 39:00 - Why Nathan is buying in Melbourne and Geordie is following 45:00 - The surrogate parent: buying what someone held for 12 years and sold at a loss 50:00 - Two key mistakes buyers agents make and why two big ones went under 55:00 - Cash vs debt, LVR strategy and when Nathan stopped using banks 01:01:00 - Motels, ten thousand properties, and the lazy investor philosophy 01:07:00 - When to sell, when to hold and the ten-year lost decade trap 01:13:00 - Final word: it's a banker's game with houses thrown in the middle

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan breaks down why he has bought zero brand new properties in 23 years of investing. Who is really making money when you buy off the plan, why the government incentives are not there for your benefit, and why some of the best deals Nathan has ever done were picking up new properties from people who got burnt a decade earlier.

00:00 - Intro 01:30 - How off the plan has been sold to Australians for 30 years 03:30 - The commissions nobody tells you about 06:00 - Why brand new properties are often overvalued from day one 08:30 - The NRAS disaster and who cleaned up the mess 11:00 - The mortgage broker strategy and the one bedroom Melbourne trap 13:30 - Zero brand new properties in 23 years and 25,000 deals 15:00 - NDIS housing and rooming houses: the newest traps 17:00 - Why buying into a 500 unit block creates its own competition 18:30 - Builder liquidations and the risk no one talks about 19:30 - Why government incentives are about their housing numbers, not your wealth 21:00 - Final word

Make your move on your property journey today: https://binvested.com.au/make-your-move-now/

What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊

***DISCLAIMER***

The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.