The Buy-In

In this special Sydney-recorded episode of The Buy-In, Gareth Croy is joined by Chris Wisbey, General Manager of Scene Finance, to talk about the role lending plays as property investment becomes more sophisticated.

They unpack why experienced investors can find themselves hitting borrowing capacity limits despite having significant assets and strong incomes, how the traditional buy-and-hold approach is evolving, and why the right funding strategy needs to work alongside the property strategy.

The conversation covers specialist lending, debt-to-income ratios and borrowing capacity, debt recycling, residential and commercial property, value-add and small development strategies, co-living, due diligence and what lenders are actually looking at behind the scenes.

They also look at a question investors don’t ask often enough: are the people involved in your property transaction actually aligned with the long-term performance of the asset, or simply incentivised to get the deal done?

If you’re building a property portfolio, have reached the point where borrowing is becoming more complex, or are considering what your next move might look like, there’s plenty to take away from this one.

▶ Subscribe to The Buy-In for more conversations about property, investment and the strategies behind building a portfolio.

IMPORTANT INFORMATION

The information discussed in this episode is general in nature and does not take into account your personal circumstances, objectives or financial situation. You should seek appropriate professional advice before making financial, lending, tax or property investment decisions. Full disclaimer can be found at the bottom of this page: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Residential or commercial, where should your next property dollar go in 2026?

Following the biggest property policy changes of 2026, many investors are reassessing where property fits in their long-term strategy. In this episode of The Buy-In, residential specialist Trent Cripps is joined by Nick Selbie, Director of Commercial & Advisory, to compare notes on what's driving the "pause" in residential, why commercial is drawing so much interest, and exactly how investors can diversify or move from resi into commercial if it's right for them.

In this episode:

- Why residential buyers have hit pause, and why the headlines are overblown

- How the 2026 changes (negative gearing, SMSF, CGT) are reshaping strategy

- The market read: soft Sydney & Melbourne vs resilient Brisbane & Perth

- Where commercial fits; cash flow, leases, sectors and the cycle lag

- A full worked example: what it really costs to buy a $1M commercial property (and why a headline 7% yield isn't the whole story.)

- Secure income vs value-add: two ways to buy commercial

- The exact questions to ask before moving from resi to commercial

Chapters:

00:00 – Intro: two experts, one shifting market

01:00 – Why residential buyers have hit pause

03:00 – Negative gearing, SMSF & the 2026 policy shake-up

05:30 – Property is cyclical: what history says happens next

08:00 – Sydney & Melbourne vs Perth & Brisbane

12:00 – Where commercial fits: cash flow, leases & the cycle lag

17:00 – The $1M example: deposit, real costs & the "7% yield" myth

23:00 – Secure income vs value-add: two ways to buy commercial

28:00 – Moving from resi to commercial: the questions that matter

34:00 – Don't panic-sell: holding (and finding opportunity) in a soft market

40:00 – How much do you actually need to get started?

45:00 – Get your whole team around the strategy + wrap-up Hosted by Trent Cripps, Director of Property Strategy, and Nick Selbie, Director of Commercial & Advisory, Sevenfold Property Group.

General information only. This information should not be relied upon as legal, financial or tax advice. Obtain professional advice relevant to your circumstances before making any decisions. Figures are illustrative examples, not a guarantee of returns.

Want to map out your own strategy? Get in touch.

Commercial property investing in Australia, explained. We compare commercial vs residential yields, show how much deposit you really need, and we break down a real $1M industrial deal.

Episode 1 of The Buy-In: Commercial. Nick Selbie and Luke Boulden unpack why more residential, and SMSF investors are moving into commercial in 2026: higher yields, longer and more secure leases, and rent that compounds. We bust the "you need millions" myth, walk a $1M industrial strata deal from deposit to cash-on-cash return, explain why the headline yield is a trap (5% vs 7% comes down to one word: risk), and share a due-diligence war story every buyer should hear. Follow The Buy-In: Commercial and never miss an episode. Also on YouTube & Apple Podcasts. This video contains general information only and is not financial, taxation, legal or personal advice. It does not take your objectives, situation or needs into account. Always seek professional advice before making any investment decision.

FULL DISCLAIMER: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

The announcements have landed. We finally have more clarity. And plenty more to talk about.

So we got back around the table.

Following the response to our first Budget conversation, Trent Cripps, Gareth Croy and Bodie Simpson return to continue the discussion, this time joined by Nick Selbie, Director of Commercial & Advisory.

With the latest developments now touching self-managed super funds, residential property, commercial property, small business and investment strategy, the conversation has only become bigger.

In this follow-up conversation they unpack:

• The latest changes affecting SMSFs and residential property investment

• Why commercial property is suddenly attracting so much attention

• The danger of rushing into commercial property or chasing yield without understanding the fundamentals

• Whether the changes really target wealthy investors, or could have much broader consequences

• What uncertainty means for property markets, business confidence and investment decisions

• The impact on small business owners, tax structures and entrepreneurship in Australia

• Why investment bonds and other strategies may become increasingly relevant

• The risks of sitting on your hands and waiting for the rules, the market or the political environment to change again

There is still more detail to come. But one thing is clear: making investment decisions based on headlines, deadlines or tax outcomes alone can carry significant risks.

Your goals haven't changed.

The strategy may need to.

Watch the full conversation and let us know what you think.

IMPORTANT INFORMATION

This episode was recorded while the proposed Federal Budget measures were still subject to legislative approval and ongoing amendments. The discussion reflects information available at

the time of recording and should not be considered personal financial, taxation, legal, or investment advice.

The opinions and information shared in this podcast are general in nature only and should not be relied upon as personal financial, taxation, legal or investment advice. You should seek professional advice appropriate to your individual circumstances before making any financial or investment decisions.

Disclaimer: Welcome to The Buy-In - Sevenfold Property Group

No matter what you need, when it comes to property, we’ve got you covered. You can get in touch with us via telephone or email – our expert team are waiting to help you build your legacy!

If your enquiry relates to a specific service, we also have more in-depth contact forms on the relevant pages.

Since the Federal Budget announcement, there’s been no shortage of headlines, hot takes, and uncertainty.

In this special edition of The Buy In, Trent Cripps and Simon Podger are joined by Gareth Croy and Bodie Simpson from Your Future Strategy to unpack the proposed tax changes, what they could mean for investors, business owners, and everyday Australians, and why strategy matters more than ever in uncertain times.

From negative gearing and capital gains tax to lending impacts, trust structures, superannuation, and housing supply, this conversation focuses on what you need to know about the new Federal Budget.

Topics covered:

•  The proposed changes to negative gearing, CGT, and discretionary trusts

•  Why investor confidence and consumer sentiment have taken a hit

•  How lenders have responded before legislation has even passed

•  Potential impacts on borrowing capacity and investment strategies

•  Housing supply, rental shortages, and whether the reforms could have unintended consequences

•  The role of superannuation, self-managed super funds, and alternative investment structures

•  Why tax should never be the strategy

•  Opportunities that can emerge during periods of uncertainty

•  The importance of long-term thinking and getting the right advice

Connect with the experts:

Gareth Croy: https://www.linkedin.com/in/garethcroy/

Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/

Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/

Bodie Simpson: https://www.linkedin.com/in/bodie-simpson-938a44134/

Get in touch:

Instagram: https://www.instagram.com/sevenfoldproperty/

LinkedIn: https://www.linkedin.com/company/sevenfoldproperty

YouTube: https://www.youtube.com/@SevenfoldPropertyGroup

Email: [email protected]

Learn more:

Sevenfold Property: https://www.sevenfoldproperty.com.au/

Your Future Strategy: https://yourfuturestrategy.com.au/

This episode was recorded while the proposed Federal Budget measures were still subject to legislative approval and ongoing amendments. The discussion reflects information available at the time of recording and should not be considered personal financial, taxation, legal, or investment advice.

Disclaimer:

https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Not all investment properties are created equal and neither are the lending rules behind them.

In the first episode of 2026, Trent and Simon unpack the different types of property investments that fall outside the “standard” house or townhouse and what you need to know before jumping in.

From studio apartments and dual key setups to NDIS properties, rooming accommodation, rural lifestyle blocks, land banking, Airbnb and more, this episode dives into how lenders assess these specialised securities, where deposits can increase, why borrowing options narrow and the risks many investors do not consider.

If you are tempted by high yields or trending strategies, this is a must listen before you commit.

Topics Covered:

• Studio apartments under 40sqm and why lenders reduce LVRs and limit options

• Dual key properties, specialised security and cross collateralisation traps

• NDIS investments, lender appetite, policy risk and resale pool concerns

• Rooming accommodation or HMO, multi tenant servicing treatment and due diligence

• Rural and lifestyle properties and why some major banks are more flexible than others

• Postcode and high rise restrictions and how lender exposure limits work

• Land banking and servicing challenges without rental income

• Airbnb and how lenders treat short term income plus regulatory risks to watch

Connect with Trent & Simon:

Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/

Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/

Get in touch:

Instagram: https://www.instagram.com/sevenfoldproperty/

LinkedIn: https://www.linkedin.com/company/sevenfoldproperty

YouTube: https://www.youtube.com/@SevenfoldPropertyGroup

Email: [email protected]

Learn more:

Sevenfold Property: https://www.sevenfoldproperty.com.au/

Your Future Strategy: https://yourfuturestrategy.com.au/

Disclaimer:

https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

The 5% Deposit Scheme in the spotlight – and could it help you get into the property market?

Trent and Simon break down the First Home Guarantee (5% Deposit Scheme), explaining how it works, what’s changed, and who it really benefits.

From higher price caps and unlimited places to the real-world risks around affordability and mortgage stress, this episode delivers practical, on-the-ground insights from property and lending experts .

Topics covered:

• What the 5% Deposit Scheme actually is (and why it’s not new) 

• Key changes in 2025/2026: removal of income caps, unlimited places, higher property price limits 

• How the government guarantee replaces LMI and impacts interest rates 

• Who’s eligible (including single parents and non-first-home buyers) 

• The reality of affordability, compromise, and why your first home doesn’t need to be your forever home 

• Risks to watch: mortgage stress, servicing limits, and rising prices under capped schemes 

• Considerations for self-employed buyers and non-PAYG income 

Connect with Trent & Simon:

Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/

Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/

Get in touch:

Instagram: https://www.instagram.com/sevenfoldproperty/

LinkedIn: https://www.linkedin.com/company/sevenfoldproperty

YouTube: https://www.youtube.com/@SevenfoldPropertyGroup

Email: [email protected]

Learn more:

Sevenfold Property: https://www.sevenfoldproperty.com.au/

Your Future Strategy: https://yourfuturestrategy.com.au/

Disclaimer:

https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Why do so many SMSFs buy property - and what are the rules you can’t afford to miss?

Trent and Simon continue the SMSF series with Gareth Croy (Your Future Strategy), diving into how property fits inside super, from growth math to borrowing structures and compliance traps.

Topics Covered:

• Why property in super: leverage, compounding growth, and tax-free gains in pension phase

• Diversification & liquidity: not putting all eggs in one basket, smoothing returns, cash buffers

• What’s allowed: repairs vs improvements,

• Related-party rules: no private use/letting; commercial property exceptions on market terms

  
  

Connect with Trent & Simon:

Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠

Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠

Gareth Croy: https://www.linkedin.com/in/garethcroy/

Get In Touch:

Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠

LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠

YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠

Email: ⁠[email protected]⁠

Learn more:

Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠

Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠

Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠

Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Thinking about a self-managed super fund? Trent and Simon sit down with Gareth Croy (Managing Director, Your Future Strategy) to unpack what an SMSF is, why people set one up, and how to decide if it fits your retirement strategy. From control and tax planning to trustees, members and audits—this is your clear, practical primer.

Topics Covered:

• What an SMSF is: members, trustees, corporate vs individual trustee, lender preferences

• Roles & duties: investment strategy, risk, liquidity, insurance, the sole-purpose test

• Setup & costs: trust deed, ABN/TFN, rollovers, bank accounts, fixed vs percentage fees.

  
  

  Connect with Trent & Simon:

  Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠

  Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠

  Gareth Croy: https://www.linkedin.com/in/garethcroy/

   

  Get In Touch:

  Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠

  LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠

  YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠

  Email: ⁠[email protected]⁠

   

  Learn more:

  Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠

  Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠

  Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠

   

  Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Conveyancing shouldn’t be an afterthought. In this episode of The Buy-In, Trent and Simon are joined by Lisa Croy (Principal, Croy Legal) to unpack the legal must-knows before you sign. From adding a solicitor-review clause to avoiding costly contract traps, Lisa explains how to protect yourself at every step.

Topics Covered:

• When to involve a solicitor (hint: before you sign) and solicitor vs. conveyancer

• Contract pitfalls: deposit timing/bank limits, “subject to sale” traps, entity names, nominee clauses

• Ownership structure: joint tenants vs tenants in common (and why it matters)