The Smart Property Investor

🔗 Want to see how we can help you? Let's chat: https://calendly.com/naveen_merani/new-meeting 

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In this episode, we bring back buyers' agent Steve Palise to run through a case study scenario where Sid & Tina, a high-earning PAYG couple with an existing residential portfolio, are looking to purchase their first commercial property in their SMSF. Naveen walks through the finance side of the equation to find the best loan product available on the market today, and Steve presents 3 different commercial property options to consider. Steve and Naveen play out the scenario until they agree on the best course of action for the couple.

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LET'S CONNECT:

LinkedIn: https://www.linkedin.com/in/naveen-merani/

Facebook: https://www.facebook.com/yourfinancenetworksydney

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

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

Website: https://yourfinancenetwork.net.au/

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ABOUT:

👋 Hi, I'm Naveen.

Not long ago, I was working in private and business banking across major banks, helping high-net-worth clients with complex finance needs. On paper, it was a great career - steady, respected, comfortable. But something was missing.

I kept seeing a pattern: smart, hard-working business owners, professionals, and self-employed clients falling through the cracks - simply because they didn’t fit the cookie-cutter model the banks relied on. Their income was unpredictable, their structures too complex, their goals more ambitious than the system could handle.

That didn’t sit right with me.

So after more than a decade in banking, I made the leap. I left the comfort of the corporate world to build something more personal - something designed to actually serve the people I care most about helping.

Now, as a mortgage broker, I work with people like you:

✅ Professionals buying their first or next investment property

✅ Self-employed business owners who’ve been told “no” because their finances are “too complex”

✅ People exploring how to use their super to buy property - but unsure where to begin

My approach is strategic, but human. I take the time to understand your story - not just your payslips or tax returns. Because great finance isn’t just about numbers. It’s about clarity, structure, and having a plan that moves you toward your long-term goals.

If you’re looking for a broker who’s been on both sides of the lending desk - and who genuinely cares about helping you build wealth with confidence - let’s talk.

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DISCLAIMER:

The views and opinions expressed on this channel are solely those of the individual speakers and do not necessarily reflect the official policy or position of any organization. The content provided is intended for general informational purposes only and should not be construed as professional advice. Please consult with a qualified professional for specific guidance. By watching this channel, you acknowledge that you understand and accept these terms.

Want me to look at your position the same way I looked at theirs? https://calendly.com/naveen_merani/new-meeting 

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Shane and Sonia were earning $300,000 a year between them, owned their home, held three investment properties and had $200,000 sitting in offset, and the bank still knocked back their next purchase. 

The income was there and so was the equity. What capped them was the way their existing loans were structured, with every single one held in their personal names. 

In this video, I go through their file line by line, including the four steps we took, the funding table, and how they ended up in a $1.25 million commercial property about four months later.

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ABOUT:

👋 Hi, I'm Naveen.

Not long ago, I was working in private and business banking across major banks, helping high-net-worth clients with complex finance needs. On paper, it was a great career - steady, respected, comfortable. But something was missing.

I kept seeing a pattern: smart, hard-working business owners, professionals, and self-employed clients falling through the cracks - simply because they didn’t fit the cookie-cutter model the banks relied on. Their income was unpredictable, their structures too complex, their goals more ambitious than the system could handle.

That didn’t sit right with me.

So after more than a decade in banking, I made the leap. I left the comfort of the corporate world to build something more personal - something designed to actually serve the people I care most about helping.

Now, as a mortgage broker, I work with people like you:

✅ Professionals buying their first or next investment property

✅ Self-employed business owners who’ve been told “no” because their finances are “too complex”

✅ People exploring how to use their super to buy property - but unsure where to begin

My approach is strategic, but human. I take the time to understand your story - not just your payslips or tax returns. Because great finance isn’t just about numbers. It’s about clarity, structure, and having a plan that moves you toward your long-term goals.

If you’re looking for a broker who’s been on both sides of the lending desk - and who genuinely cares about helping you build wealth with confidence - let’s talk.

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LET'S CONNECT:

LinkedIn: https://www.linkedin.com/in/naveen-merani/ 

Facebook: https://www.facebook.com/yourfinancenetworksydney 

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

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

Website: https://yourfinancenetwork.net.au/ 

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DISCLAIMER:

The views and opinions expressed on this channel are solely those of the individual speakers and do not necessarily reflect the official policy or position of any organization. The content provided is intended for general informational purposes only and should not be construed as professional advice. Please consult with a qualified professional for specific guidance. By watching this channel, you acknowledge that you understand and accept these terms.

Thinking about your next property move? Book a chat with our team here: https://calendly.com/naveen_merani/new-meeting 

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I sat down with Belinda Botzolis, who has valued close to $12 billion in property over 17 years and inspected around 15,000 homes. 

She pulls back the curtain on what actually happens when the bank sends a valuer to your property, why valuations come back lower than you expect, and how a five square metre measuring error cost one Melbourne buyer $200,000. 

If you own property or you're about to buy, this is the conversation your conveyancer wishes you'd watched first.

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ABOUT:

👋 Hi, I'm Naveen.

Not long ago, I was working in private and business banking across major banks, helping high-net-worth clients with complex finance needs. On paper, it was a great career - steady, respected, comfortable. But something was missing.

I kept seeing a pattern: smart, hard-working business owners, professionals, and self-employed clients falling through the cracks - simply because they didn’t fit the cookie-cutter model the banks relied on. Their income was unpredictable, their structures too complex, their goals more ambitious than the system could handle.

That didn’t sit right with me.

So after more than a decade in banking, I made the leap. I left the comfort of the corporate world to build something more personal - something designed to actually serve the people I care most about helping.

Now, as a mortgage broker, I work with people like you:

✅ Professionals buying their first or next investment property

✅ Self-employed business owners who’ve been told “no” because their finances are “too complex”

✅ People exploring how to use their super to buy property - but unsure where to begin

My approach is strategic, but human. I take the time to understand your story - not just your payslips or tax returns. Because great finance isn’t just about numbers. It’s about clarity, structure, and having a plan that moves you toward your long-term goals.

If you’re looking for a broker who’s been on both sides of the lending desk - and who genuinely cares about helping you build wealth with confidence - let’s talk.

__

LET'S CONNECT:

LinkedIn: https://www.linkedin.com/in/naveen-merani/ 

Facebook: https://www.facebook.com/yourfinancenetworksydney 

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

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

Website: https://yourfinancenetwork.net.au/ 

________

DISCLAIMER:

The views and opinions expressed on this channel are solely those of the individual speakers and do not necessarily reflect the official policy or position of any organization. The content provided is intended for general informational purposes only and should not be construed as professional advice. Please consult with a qualified professional for specific guidance. By watching this channel, you acknowledge that you understand and accept these terms.

In this episode, we bring back buyers agent, Steve Palise & accountant, Davie Mach, to share their insights on how the property market has shifted since the 2026 Federal Budget. Davie explains all the major changes impacting property investors and business owners, and then we dive into a case study exercise where we help an average business owner in their 40's achieve a 10-year goal for financial freedom in the post-Budget property market, providing valuable insight that only an accountant, buyers agent and mortgage broker could.

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LET'S CONNECT:

LinkedIn: https://www.linkedin.com/in/naveen-merani/

Facebook: https://www.facebook.com/yourfinancenetworksydney

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

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

Website: https://yourfinancenetwork.net.au/

________

DISCLAIMER:

The views and opinions expressed on this channel are solely those of the individual speakers and do not necessarily reflect the official policy or position of any organization. The content provided is intended for general informational purposes only and should not be construed as professional advice. Please consult with a qualified professional for specific guidance. By watching this channel, you acknowledge that you understand and accept these terms.

In Episode 2 of The Smart Property Investor, host Naveen Merani sits down with Steve Palise from Palise Property - one of Australia's most recognisable names in commercial property investing. Steve did what most investors only talk about: he sold down the majority of his residential portfolio and went all in on commercial. With over 11 years in the industry and over 2000 property purchases under his belt, Steve brings a rare blend of analytical rigour and hard-won experience to a space many investors find intimidating.

In this episode, Steve breaks down how commercial property actually works - from the mechanics of commercial lending to the realities of getting started - and challenges some of the most persistent myths that keep residential investors on the sidelines.

Fair warning: Steve gets very specific, and a lot of maths happens on the whiteboard. So tune watch the video version on YouTube to dive deeper.

What We Cover

• How commercial lending actually works — including lease doc loans, where a property can fund itself off its own rental income without factoring in your personal income at all
• How much money you actually need to get started — Steve breaks it down by price point, and explains why "you need millions to invest in commercial" is one of the most damaging myths in this space
• Whether residential really is the safer bet inside your SMSF — and why Steve's answer might surprise you
• Why buying your own business premises through your super is usually the wrong move — even though almost every business owner wants to — and how to know if you're the exception
• The case for selling your residential portfolio to go commercial — and how Steve made that call himself
  
  

About the Guest:

Steve Palise is the founder of Palise Property, a nationwide buyers agency specialising in commercial and residential property investment across Australia. With a background in engineering, Steve brings an analytical, numbers-first approach to a space that most investors find overwhelming.

He's purchased thousands of properties for himself and his clients across every state, authored Commercial Property Investing Explained Simply, and built one of Australia's leading educational resources for commercial property investors through the Commercial Property Institute — a free online training program available through his website.

Connect with Steve:

Website: https://www.paliseproperty.com 

Free Course: https://www.propertyinstituteaustralia.com.au/courses/commercial-property/ 

Book: https://www.paliseproperty.com/book-store/ 

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

LinkedIn: https://www.linkedin.com/in/steve-palise/

Facebook: https://www.facebook.com/paliseproperty 

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

The information discussed in this episode is general in nature. It does not constitute financial, tax or legal advice. Please speak with a qualified adviser before making any decisions about your own circumstances.

In the debut episode of The Smart Property Investor, your host, Naveen Merani, sits down with Davie Mach from Box Advisory Services for a wide-ranging conversation about what actually happens behind the scenes when a client applies for a loan. They work through the 5 C's of Credit framework, then spend most of the episode unpacking three real client scenarios. Fair warning: this one gets surprisingly honest about where brokers and accountants sometimes pull in opposite directions, and why that matters for your borrowing power.

What We Cover

• The 5 C's of Credit: the framework brokers use to score a loan application before it ever reaches a bank
• Case Study 1: A high-income couple trying to get back into investment property and confused about structure
• Case Study 2: A business owner who minimised his tax a little too well and is now stuck when trying to borrow
• Case Study 3: Two brothers mid-way through a duplex development with a finance problem they didn't see coming
• Why accountants and brokers sometimes give you conflicting advice, and how to navigate it
• The CGT discount debate: is it actually worth obsessing over?
• When non-conforming lenders make more sense than going straight to your bank

About the Guest

Davie Mach runs Box Advisory Services, an accounting firm he's built over the past six years. He also produces content for over 50,000 YouTube subscribers on tax planning and property investing. If the conversations in this episode sound like what happens at your accountant's office at 9 pm, that's because they basically are.

Connect with Davie:

Book a call: https://www.boxas.com.au/book-a-consultation-yto/ 

Youtube: https://www.youtube.com/@DavieMach

LinkedIn: https://www.linkedin.com/in/davie-mach/
Instagram: https://www.instagram.com/boxas_syd
Facebook: https://www.facebook.com/boxadvisory/ 

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

The information discussed in this episode is general in nature. It does not constitute financial, tax or legal advice. Please speak with a qualified adviser before making any decisions about your own circumstances.

We're excited to launch The Smart Property Investor Podcast, with our very first guest being Chartered Accountant, Business Owner and YouTuber, Davie Mach! 

We unpack 3 client case studies using our 5 C's of Credit Framework, to give you insider knowledge into HOW lenders assess loan applications. 

Make sure to subscribe to get notified when the first episode is released.