In this episode of The Property Nerds, we're back with Ronesh Hargovind from Incentum Group to get the truth about Self Managed Super Funds (SMSFs), one of Australia’s fastest growing wealth building strategies.

You’ll learn:

• How much money you actually need to start an SMSF

  
  

• The tax advantages and compliance rules every investor should know

  
  

• The key differences between financial planners and accountants

  
  

• The biggest mistakes Australians make with SMSFs and how to avoid them

  
  

• The pros and cons of using trust structures when investing in property

  
  

  
  

Whether you’re an Australian property investor, business owner, or someone curious about taking control of your superannuation, this episode gives you the full picture, from setup and strategy to long term retirement planning.

Timestamps:

0:00 - Intro

1:00 - Who Should Set Up Your SMSF?

3:50 - How Superannuation Contributions and Caps Work 

5:30 - SMSF Tax Benefits Explained

7:55 - The Most Common SMSF Mistakes Investors Make

10:30 - ATO Penalties and Compliance Risks for SMSF Trustees

13:15 - How Much You Need to Start an SMSF

15:40 - High Net Worth SMSFs

17:00 - Land Tax Differences for NSW Investors

19:55 - How to Set Up an SMSF

In this episode, the nerds are joined by accountant and property expert Ronesh Hargovind from Incentum Group to unpack the often misunderstood world of equity loans, trusts, and tax strategy.

They get into how investors can correctly structure their equity use, the importance of purpose when borrowing, and how trusts can unlock (or limit) wealth building potential. Whether you’re a first time investor or managing a growing portfolio, this episode gives you the clarity accountants wish every client had.

Timestamps:

0:00 - Intro

1:14 - Equity loans 101 & the “purpose” rule

3:12 - Home vs investment equity use

5:03 - Common structuring mistakes

7:00 - Loan splits & tax deductions

9:27 - Best practice: tracking loans

12:25 - Joint ownership & deductions

15:09 - Using equity to fund a trust

18:14 - Trust benefits & tax advantages

22:47 - Who should (and shouldn’t) use a trust

When it comes to equity loans and trusts, purpose and documentation are everything. Getting it right upfront can save thousands in tax headaches later.

CONNECT WITH THE PROPERTY NERDS:

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CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

This week its just The Nerds breaking down the finance traps that trip buyers and investors every cycle. From the “computer says no” myth to the hidden risks of cross collateralisation and why a property plan fails without a funding strategy, the Nerds share real client stories, practical fixes, and a surprise bonus mistake at the end. They also unpack how lenders play pricing games around rate cuts and what the new first-home buyer changes could mean for deposits, demand and prices.

Timestamps:

0:00 - Cold open: “Property is the game of finance”

0:29 - Setup: 3 finance mistakes… plus a bonus at the end

1:54 - Rate cuts, not always good news: how lenders play pricing games

3:40 - The “wait for the rate cut” trap: why delaying can cost you

6:30 - Big policy shift: First home buyer changes

9:50 - Front-loaded demand: why early movers benefit most

12:30 - Mistake #1: One lender’s “no” ≠ no

16:30 - Mistake #2: Cross collateralisation risks & painful partial discharges

21:00 - Banks vs brokers: best interest duty, speed vs structure

22:10 - Mistake #3: Funding strategy

26:15 (don’t sell just because it finally grew)

Listen for: quick frameworks you can apply before your next loan, refinance or purchase plus the mindset to avoid paralysis when the rules change.

If you found this useful, follow the show and leave a rating so more data-driven investors can find us.

CONNECT WITH THE PROPERTY NERDS:

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

TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this weeks episode of The Property Nerds, we sit down with Ben McDonald, Property Consultant at InvestorKit and a 25 year old investor who’s already secured his first property and is gearing up for his second.

Ben shares how he went from being sceptical about property to building his own portfolio and how his role at Investigate allows him to guide others through the noise, cut through confusion, and take action with confidence.

Timestamps:

0:00 - Why inaction is the biggest mistake investors make

2:00 - Meet Ben: falling into property by chance

3:49 - The role of a Property Consultant and why he loves it

5:35 - The value of a tailored, non one size fits all approach

7:39 - From shares to property: Ben’s investing turnaround

8:32 - Starting young: buying the first property at 25

12:00 - Tips for 20-somethings wanting to get on the ladder

14:41 - The importance of humility and being willing to be guided

16:01 - Why investing in your 20s shaves years off your future goals

18:42 - Client story: turning frustration into confidenceIf you’re a 20 or 30 something looking to get on the ladder, or you want to see how property professionals invest themselves, this episode is packed with insights and inspiration.

CONNECT WITH THE PROPERTY NERDS:

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

TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we’re joined by Sarah from Fouracre Financial to unpack what really drives success for Aussie residential property investors. From her journey in banking, business ownership, and now mortgage strategy, Sarah shares how the right guidance can make the difference between stalled progress and accelerated wealth creation.We breakdown: - How to build equity fast through smart renovations and strategic lending- The importance of having the right team, brokers, buyer’s agents, accountants, and strategists- The good (and bad) money habits Sarah sees most often in Australian investors- Why education and involvement are crucial, especially for women looking to take control of their financial future- Real client stories: from navigating separation and securing a home, to scaling a portfolio from scratch in just two yearsWhether you’re a first home buyer, a parent planning for your family’s future, or an investor looking to scale, this episode is packed with practical insights to help you avoid mistakes and get ahead in the Australian property market.

Timestamps:

00:00 - Right Team, Right Results

1:41 - Meet Sarah

3:01 - Helping First-Timers Win

4:49 - Banking → Wellness → Broking

8:04 - Investor Empathy, For Real

10:12 - $300k Paintbrush Equity

13:36 - Why Women Win: Education

15:55 - Don’t Outsource Your Finances

18:09 - Friends ≠ Surgeons (Use Experts)

21:57 - Two Year, Five Property Sprint

Connect with us to stay in the loop!Instagram: https://www.instagram.com/commercialinvestorpodcast/ TikTok: https://www.tiktok.com/@commercialinvestorpod Connect with ArjunInstagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/Connect with ChrisInstagram: https://www.instagram.com/chrishuxter_/ LinkedIn: https://www.linkedin.com/in/chrisbantoy/ Connect with InvestorKitInstagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we chat with Simran Dhillon from Abundant Advisory about taking a holistic approach to wealth building. We cover the balance between property and shares, the smart use of good vs bad debt, and why diversification and liquidity are key to long-term success.

We also take a closer look at SMSF property, who it’s right for, who it’s not, and the pitfalls investors often miss. Plus, Simran shares when to think seriously about insurance and protection so your wealth strategy is safeguarded.

What you’ll learn:- The difference between good debt and bad debt

- How to balance property and shares in your portfolio

- Red flags for SMSF property investing

- Why buffers and risk protection matter

If you enjoyed this, hit subscribe, drop a comment with, and share it with a fellow property nerd.Timestamps: 0:00 - Property vs Shares: Why Both Matter

0:42 - Meet Simran: Holistic Financial Planner

2:04 From Big Four to Abundant Advisory

3:52 - Why Tech Professionals Need a Different Strategy

5:25 - Using Debt to Accelerate Growth

6:59 - The Risks of Being Too Property Heavy

9:42 - Good Debt vs Bad Debt Explained

12:35 - Why Simran Embraces Property in Financial Planning

15:55 - SMSFs: Red Flags & Who Should Avoid Them

19:00 - The Crucial Role of Insurance & Protection

CONNECT WITH SIMRAN:

Linkedin: https://www.linkedin.com/in/simran-dhillon-b1700a1b/

CONNECT WITH THE PROPERTY NERDS:

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

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, Arjun and the team sit down with Dr Joel Bowman from Domain to unpack the latest data on Australia’s property markets. From Adelaide and Perth’s standout resale profits to the struggles in Melbourne and Darwin unit markets, Joel shares deep insights into what’s driving growth, and where investors are missing opportunities because of outdated stigma.

You’ll hear why Adelaide’s “sleepy city” label doesn’t match its 90% price growth since the pandemic, what makes Darwin’s rental yields the highest in the country, and how affordability is shifting in unexpected ways.

2:20 - Perth & Adelaide Up 80-90%

5:39 - Adelaide Stigma vs 90% Growth

7:00 - Melbourne & Darwin Unit Pain

9:47 - Darwin’s 8% Yields, Low Vacancy

11:00 - Melbourne CBD Units: Flat Decade

13:49 - Trade Tensions = Sentiment Risk

15:24 - Policy Risk: CGT & Gearing

17:15 - Spring Surge + LMI Changes

18:45 - Oct 1 FHB: Early Winners

24:16 - Why Distress Sales Stayed Low

Packed with data, trends, and myth busting, this episode is essential listening for investors who want to cut through the noise and make smarter, evidence based decisions in today’s market.

CONNECT WITH THE PROPERTY NERDS:

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

TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

When should you move from residential into commercial property and why does it matter for your portfolio strategy?

In this episode of The Property Nerds Podcast, Arjun, Jack, and Adrian break down the transition from residential to commercial investing. They get into the two main pathways investors typically take, why commercial property can deliver stronger cash flow, reduced management headaches and double the rent of residential, and how structuring decisions can impact borrowing power and long term growth.

The conversation also gets into the role of SMSFs in commercial investing, with insights on how lending terms differ from standard loans, and shares real world scenarios that show how investors can build wealth, recycle equity, and even use business profits as a treasury management strategy.

Whether you’re planning for retirement or looking to accelerate wealth creation, this episode offers a clear framework for knowing when and how to make the move into commercial property.

Timestamps:

0:00 - Why Commercial Property Matters

0:30 - The Resi to Commercial Transition

1:35 - Two Investor Pathways Explained

2:55 - Structuring and Borrowing Power

4:45 - Cash Flow vs Paper Wealth

7:05 - Arjun’s Personal Portfolio Approach

8:45 - Business Profits into Commercial

10:15 - Resi Growth + Commercial Cash Flow

10:50 - SMSFs and Commercial Investing

12:55 - When to Make the Move

CONNECT WITH THE PROPERTY NERDS:

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

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram:https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, Arjun is joined by Avi Khan, Principal at Ray White AKG, to unpack the shifting dynamics of Brisbane’s property market. Once a Sydney and Melbourne trend, auctions are now reshaping how buyers and sellers operate in Brisbane, driven by consumer demand and surprising results on the auction floor.

Avi reveals why written offers always trump verbal ones, the common mistakes buyers make, and how sellers can successfully navigate challenges like selling with tenants. They also cover strategies for competing in a low stock environment, why timing is everything, and how buyer’s agents have evolved from off market deal finders to competition navigators.

Timestamps

0:00 - Why “normal trends” don’t apply in Brisbane’s auction heavy market

2:10 - How auctions gained traction in Brisbane

5:00 - Stories of surprising auction outcomes and buyer behaviour

7:20 - Why many buyers avoid auctions

10:00 - Selling with tenants: Timing strategies and working with renters

12:00 - The biggest negotiation mistakes buyers make

13:20 - Do buyers gain an advantage using a buyer’s agent?

15:00 - The evolution of buyer’s agents: from off market deals to competition experts

18:00 - Bridging finance, rent backs, and timing pitfalls

24:00 - Why stock is so low in Brisbane and how it impacts long term price growth

With practical tips, negotiation insights, and real stories from the field, this conversation is essential listening for investors and owner occupiers looking to understand Brisbane’s fast moving market.

CONNECT WITH AVI: Instagram: https://www.instagram.com/avikhan/Website: https://raywhiteakg.com.au/?fbclid=PAZXh0bgNhZW0CMTEAAaf3pRurM8abymVzLTedrZ_fPhgo_yqwcdOZp3-UTscu5eWeYLlPaBP4Wntgfg_aem_SroMHHCt3fdilDZ-fu78qwLinkedin: https://www.linkedin.com/in/avikhan/

CONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:Instagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this raw episode, Michael shares the unfiltered journey from battling severe mental health struggles in his teens to building a $20M+ property portfolio and running a multi 8 figure business.With no roadmap, no corporate job, and no burning passion to “follow,” Michael found his edge through honesty, hustle, and a commitment to becoming the best at whatever he put his hands to.

We cover:

- Why waiting for passion is holding people back

- How mental health shaped his views on wealth and purpose

- Why buying a Lambo didn’t change anything

- The real reason he left a $900K job to start from scratch

- The mindset shift that made him financially free, without chasing endless more

Timestamps:

0:00 - Intro

3:00 - Michael’s early battle with mental health.

8:00 - "The Side Hustle That Changed Everything"

10:00 - "I Made $900K... and Walked Away"

16:00 - "The Lambo Effect Wears Off

17:50 - Why Mastery Beats Passion When Building a Career.

24:00 - Why Property Over Stocks?

30:40 - Knowing When Enough Is Enough

35:45 - How financial freedom changed Michaels Life

45:00 - The story behind his desire to guide others through the dark

If you’re stuck, scaling, or questioning what success really looks like, this one’s for you.

CONNECT WITH MICHAEL:

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

Website: https://www.mentoredbymichael.com.au/?fbclid=PAQ0xDSwMCVJBleHRuA2FlbQIxMQABp52I1QgndGIHTnJNjhYHE86x_-ecmUjxULhN9fx8ro_fvNs0WiDCwbBBuU1s_aem_HgpKFvZjuREC_LcljiAgwA

CONNECT WITH THE PROPERTY NERDS:

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

TikTok: https://www.tiktok.com/@thepropertynerdspodcast

CONNECT WITH FOURACRE FINANCIAL:

Instagram: https://www.instagram.com/fouracre.financial/

Linkedin: https://www.linkedin.com/company/fouracre-financial/

Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/