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Share Your Buyer's Agent Might Be Working Against You. Here's How to Know
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Your Buyer's Agent Might Be Working Against You. Here's How to Know
The 5% deposit sounds like a win… until you realise a small mistake on suburb choice, timing, or holding costs can leave you owing more than the property is worth. We sit down with Nick Khzouz, a buyer’s agent (and former lawyer and banker) from B Money Property Group, to unpack the real-world risks behind low-deposit buying, refinancing, and trying to leapfrog into your next property. If you’ve been watching the Australian property market and wondering whether the First Home Guarantee is helping or hurting, this chat gets specific fast.
We get practical on what to look for before you buy: stock on market trends, supply saturation, land constraints, and why days on market can be one of the simplest demand indicators to track. Nick also breaks down return on capital versus return on investment, why some investors grow faster with the same cash, and how strategies like interest-only lending and negative gearing (with proper accountant advice) fit into the bigger picture of serviceability and risk.
Then we go straight into the messy stuff people whisper about: off the plan property deals, hidden incentives, “rebates”, and why conflict of interest is the line that separates an advocate from a salesperson. We share horror stories, talk transparency reforms like a conflict register, and run through how we assess a buyer’s budget, time horizon, goals, and when they want to extract equity. We also touch on areas we’re watching across Sydney, Newcastle, and parts of Victoria, plus why policy changes can push eager first home buyers into repayments they can’t comfortably carry.
This episode is for informational purposes only and does not constitute financial, legal, or tax advice. Please consider your personal circumstances and consult a licensed professional before making any financial decisions.
Follow us for more property news and mortgage advice!
▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/
DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.
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By It's Simple FinanceThe 5% deposit sounds like a win… until you realise a small mistake on suburb choice, timing, or holding costs can leave you owing more than the property is worth. We sit down with Nick Khzouz, a buyer’s agent (and former lawyer and banker) from B Money Property Group, to unpack the real-world risks behind low-deposit buying, refinancing, and trying to leapfrog into your next property. If you’ve been watching the Australian property market and wondering whether the First Home Guarantee is helping or hurting, this chat gets specific fast.
We get practical on what to look for before you buy: stock on market trends, supply saturation, land constraints, and why days on market can be one of the simplest demand indicators to track. Nick also breaks down return on capital versus return on investment, why some investors grow faster with the same cash, and how strategies like interest-only lending and negative gearing (with proper accountant advice) fit into the bigger picture of serviceability and risk.
Then we go straight into the messy stuff people whisper about: off the plan property deals, hidden incentives, “rebates”, and why conflict of interest is the line that separates an advocate from a salesperson. We share horror stories, talk transparency reforms like a conflict register, and run through how we assess a buyer’s budget, time horizon, goals, and when they want to extract equity. We also touch on areas we’re watching across Sydney, Newcastle, and parts of Victoria, plus why policy changes can push eager first home buyers into repayments they can’t comfortably carry.
This episode is for informational purposes only and does not constitute financial, legal, or tax advice. Please consider your personal circumstances and consult a licensed professional before making any financial decisions.
Follow us for more property news and mortgage advice!
▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/
DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.