🎙️ Property Finance Explained: Borrowing Capacity, LVR & Leverage (Episode 2)

In this episode of Your Property Guide, Matt Piotrowski breaks down property finance in Australia and why it’s the foundation of building a scalable investment portfolio - not just buying one property.

If you’re trying to understand how much you can borrow, how deposits work, or how to use equity, this episode gives you a clear, practical overview.

We cover:

•  Borrowing capacity and what banks actually assess 
•  Loan-to-Value Ratio (LVR) and how it impacts your strategy 
•  How equity works and what “usable equity” really means 
•  Interest-only vs principal & interest loans 
•  Fixed vs variable interest rates 
•  Offset accounts vs redraw facilities 
•  Why serviceability — not equity — stops most investors 
•  The power of leverage in property investing 

This episode is designed to help you think strategically about finance, so you don’t limit your ability to keep investing.

If this raised questions about your own situation, that’s the point. And if you want to make sure your finance is structured properly from day one and doesn’t hold you back long-term, the team at Dynamic Advisory can help guide you with a clear, scalable strategy.

👇 Catch Up or Reach Out

• Matt Piotrowski – Investor, Buyers Agent, Director of Perth based Advisory firm and host of Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

📌 Next Episode: We dive into finance, loans, borrowing power and using leverage the smart way.
📅 Listen to Episode 2 now or hit follow so you don’t miss it.

Disclaimer ⚖️

The information in this podcast is general in nature and is not financial advice. Always seek professional guidance tailored to your circumstances before making any investment decisions. 

Your Property Guide - The only property guide you will ever need.

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🎧 Episode 1 – What Is Property Investing

Your Property Guide Podcast – Hosted by Matt Piotrowski
Part 1 of our 10-part Property Investing 101 Mini-Series

Welcome to the ultimate beginner’s guide to building wealth through property. Whether you're just getting started or revisiting the foundations, this 10-part series breaks everything down into easy-to-follow episodes that give you the confidence and clarity to take action.

In Episode 1, Matt Piotrowski lays the groundwork for what property investing really is, and how it’s different from buying your own home. We unpack key concepts like lifestyle vs investment assets, how leverage works, and the four core benefits of investing in property: Capital growth, rental income, value-add potential, and tax benefits. We also explore the major property types (residential vs commercial), common rental models (long-term, short-stay, and co-living), and break down the difference between passive and active strategies. From the classic buy-and-hold approach to more advanced strategies like reno flips and subdivision, you’ll walk away with a solid framework to understand your options.

🔑 Key Topics Covered:

• What is property investing (and how it’s different from buying a home)
• The difference between lifestyle vs investment assets
• Why Aussies love property: tangible, familiar, stable, and leverageable
• How leverage can supercharge your returns
• The 4 Core Benefits of property investing:
   1️⃣ Capital Growth
   2️⃣ Rental Income
   3️⃣ Value-Add Potential
   4️⃣ Tax Benefits
• The major property types: residential vs commercial
• The most common rental models: long-term, short-stay & co-living
• Passive vs Active Investing
• The 4 most common investment strategies ranked by involvement
   🏡 Buy & Hold
   🔨 Buy, Reno, Hold
   💸 Buy, Reno, Flip
   🏗️ Develop & Subdivide

🎯 Who’s This Series For?

• First-time investors feeling overwhelmed by all the jargon
• Anyone revisiting the fundamentals to sharpen their strategy
• Those wanting a clear roadmap from zero to confident action

👇 Catch Up or Reach Out

• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

📌 Next Episode: We dive into finance, loans, borrowing power and using leverage the smart way.
📅 Listen to Episode 2 now or hit follow so you don’t miss it.

Disclaimer ⚖️

The information in this podcast is general in nature and is not financial advice. Always seek professional guidance tailored to your circumstances before making any investment decisions.

Your Property Guide - The only property guide you will ever need.

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Perth vs Melbourne: Market Moves, Buyer Fatigue & Where to Next?

🎧 Episode Summary:

Back by popular demand, Scott Townsend joins us for a timely catch-up almost exactly a year since his last appearance. We unpack what’s changed, and what hasn’t in the Perth property market, including stock levels, buyer sentiment, and the return of East Coast investor interest.

We also explore how Perth stacks up against Melbourne in today’s market and what buyers need to consider when choosing between the two. Whether you're navigating a tight budget, chasing yield, or thinking long-term capital growth.

This one’s packed with insight.

💡 Key Takeaways:

✅ Perth listings are at historic lowsju - just 3545 total, including only 2099 houses
✅ Winter stock drop + consistent weekly sales = tight conditions remain
✅ East Coast buyers and agents are circling Perth again - why now?
✅ Buyer fatigue is real, but so is pent-up demand
✅ Melbourne offers bargains and long-term upside - but with higher holding costs
✅ Townhouses are rising in appeal across both cities
✅ Why not all units are equal—and where they can work
✅ The one question every investor must ask: "What fits my objectives?"

🏡 Perth vs Melbourne Deep Dive:
We break down cost-to-hold, price growth outlook, and buyer profile for both markets, and why your next move should depend more on you than the headlines.

🛠️ Tip of the Episode:
Buying below replacement cost, especially in landlocked quality suburbs is a smart play in both cities.

Links & Resources 🔗

• Scott Townsend
  • www.perthpropertybuyers.com.au
• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: www.dynamicadvisory.com.au

Disclaimer ⚖️

The information in this podcast is general in nature and is not financial advice. Always seek professional guidance tailored to your circumstances before making any investment decisions.

Your Property Guide - Powered by Dynamic Advisory - Perth Based Buyers Agency and QPIA accredited Property Advisory

In this episode, Matt sits down with Janine Leafe to dig into the realities of renovation flips, property investing myths, and why financial literacy matters more than ever—especially for FIFO workers. Janine unpacks why she built Fluoro Finance, how her background shaped her mission to protect clients from predatory spruikers, and the mindset you need to build wealth sustainably in today’s market.

We cover it all—from identifying ugly ducklings with hidden value to understanding why growth in property isn’t always glamorous or fast—and why that’s okay.

 ✅ Why FIFO workers are often targeted by slick sales tactics—and how to avoid getting burned
✅ The real math behind renovation flips (and how to avoid overcapitalising)
✅ Tips for buying well and adding value strategically
✅ The power of “sweat equity” and project-managing your own renovation
✅ Why context matters more than blanket property advice
✅ The triangle (or square!) of professionals you need on your team—broker, accountant, financial advisor, and buyer’s agent
✅ Why tax benefits should be the cherry, not the cake, in your investment strategy 

🛠️ Janine’s 3 Top Tips for Reno Flips:

1. Buy the ugliest house with the strongest bones.
   Look for cosmetic upgrades, not full structural overhauls.
2. Live in it.
   Owner-occupier flips often come with capital gains tax benefits—check with your accountant.
3. Do as much as you can yourself.
   Organise trades directly and be smart with your budget so your margins don’t evaporate.

Links & Resources 🔗

• Janine Leafe
  • www.fluorofinance.com.au
  • https://au.linkedin.com/in/janineleafe
  • https://www.instagram.com/janine.leafe/ 
  • https://facebook.com/scott.janine
• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: www.dynamicadvisory.com.au

Disclaimer ⚖️

The information in this podcast is general in nature and is not financial advice. Always seek professional guidance tailored to your circumstances before making any investment decisions.

Your Property Guide - Powered by Dynamic Advisory - Perth Based Buyers Agency and QPIA accredited Property Advisory

Episode Snapshot

Former UK sparkie turned Aussie developer Neil Gibb—founder of The HMO Property Co shares how purpose‑built Houses of Multiple Occupancy (HMOs) can ease Australia’s rental squeeze, build real community and still pump out strong, recession‑resilient returns for investors. His moon‑shot? Deliver 10 000 affordable co‑living rooms by 2031—one house at a time. 

Key Takeaways 🛠️

• HMOs/co‑living meet booming demand for affordable, convenient rooms.
• Community‑driven design slashes tenant isolation and vacancy.
• Investors can achieve high yields and stable cash‑flow from well‑run HMOs.
• “Hidden homelessness” is rising—Neil’s model plugs the gap between social housing and traditional rentals.
• Neil’s goal: 10 000 rooms in 10 years, proving scale and impact are possible.

Links & Resources 🔗

• Neil Gibb – The HMO Property Co
  • Website: https://thehmopropertyco.com
  • Instagram: https://www.instagram.com/neilgibb_hmo_property/
• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

Disclaimer ⚖️

The information in this podcast is general in nature and is not financial advice. Always seek professional guidance tailored to your circumstances before making any investment decisions.

Your Property Guide - Powered by Dynamic Advisory - Perth Based Buyers Agency and QPIA accredited Property Advisory

From Football to Foundations: Dino Djulbic’s Property & Building Journey

In this episode of Your Property Guide, we sit down with former Perth Glory star Dino Djulbic, who’s gone from elite-level football to building a successful construction company and growing a solid property portfolio.

Dino shares the mindset that helped him thrive on the pitch—and how those same values of discipline, resilience, and hard work now drive his success in the building and property world. From life lessons in sport to insights on running a construction business, this episode dives deep into what it takes to transition into life after professional sport.

Whether you're into property, building, or just love a good story of personal growth—this one’s packed with gold.

📌 Topics covered:

• Dino’s transition from footballer to builder and property investor
• Life lessons from sport that apply to business
• Building strong foundations in life, business, and construction
• Advice for athletes and anyone navigating career change
• Insights into the construction industry and property investing

🎧 Hit play and get inspired by Dino’s journey!

👉 Got questions or looking for expert advice? Connect with us!

Matt Piotrowski

Host of Your Property Guide, managing director of Dynamic Wealth, Buyers Agent, and Investor.

https://www.instagram.com/matt.propertyguide/

https://www.linkedin.com/in/mattpropertyguide/

Dino Djulbic - Trio Homes

https://triohomes.com.au/

• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

🔔 Don’t forget to follow and subscribe!

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Episode Description:
In this episode of Your Property Guide, we sit down with Steve Yarwood from Letgo B&B to dive into the world of short-term rental management. Steve shares expert insights on how property owners can maximise their rental income, navigate complex regulations, and choose the right property types for short stays. We discuss key factors such as market demand, furnishing strategies, insurance considerations, and how professional management can ease the process. Whether you're a seasoned investor or new to short-term rentals, this episode is packed with valuable advice to help you boost your returns.

Tune in to learn:
✅ Why short-term rentals can yield higher returns than traditional leasing
✅ How to determine if your property is suitable for short stays
✅ The importance of understanding short-term rental regulations
✅ Key features that make a property ideal for Airbnb and other platforms
✅ Why insurance is essential for protecting your investment
✅ How professional property management can simplify short-term rentals
✅ Market trends and unexpected opportunities in the short-stay sector

🎧 Listen now and take your property investment strategy to the next level!

Chapters:
00:00 – Introduction to Short-Term Rentals
03:35 – Understanding Property Suitability for Short Stays
08:22 – Navigating Regulations in Short-Term Rentals
16:34 – Identifying Ideal Property Types for Short Stays
21:36 – Insurance Considerations for Short-Term Rentals

🔔 Don’t forget to follow and subscribe!

👉 Got questions or looking for expert advice? Connect with us!

• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

Steve Yarwood

https://www.letgobnb.com.au/our-team

🎧 Tune in now and make smarter property decisions!

Your Property Guide - The only property guide you will ever need.

#ShortTermRentals #PropertyInvestment #AirbnbHost #CashFlow #RentalIncome #RealEstateTips #PropertyManagement #InvestSmart #Yield #DynamicWealth #DynamicWealthBuyersAgency #YPGCo #MattPiotrowski

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Summary

In this episode of Your Property Guide, Melissa Brooke shares her insights on balancing family life with property investment. She discusses practical tips for new investors, the role of a buyer’s agent, current market trends, and effective renovation strategies. Melissa emphasises the importance of education in property investment and provides key advice for those starting their journey in real estate. 

Takeaways

• Melissa balances property investment with being a mother of three.
• Time blocking is essential for managing work and family.
• New investors should educate themselves before hiring a buyer's agent.
• Buyer's agents prioritise the buyer's interests over sellers.
• The Perth market is experiencing growth despite challenges.
• Renovating can significantly increase property value.
• Kitchens and bathrooms are crucial for selling homes.
• Neutral colors and simple designs appeal to a broader market.
• Consulting with a good accountant is vital for investment success.
• Understanding rental yield is key to making informed decisions.

Chapters

00:00 Balancing Family and Property Investment
02:52 Tips for New Investors
06:08 Understanding the Role of a Buyer's Agent
08:56 Market Insights and Opportunities
11:59 Renovation Strategies for Value
14:55 Key Tips for Starting Your Property Journey

💡 Whether you're an investor, homebuyer, or property enthusiast, this episode is packed with insights to help you stay ahead in Perth’s property market.

🔔 Don’t forget to follow and subscribe!

👉 Got questions or looking for expert advice? Connect with us!

• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

Mel Brooke

https://www.instagram.com/melbrooke___/?hl=en

🎧 Tune in now and make smarter property decisions!

Your Property Guide - The only property guide you will ever need.

Your Property Guide - Powered by Dynamic Advisory - Perth Based Buyers Agency and QPIA accredited Property Advisory

🎙 Your Property Guide: Unlocking Perth’s Future

In this episode of Your Property Guide, host Matt is joined by Daniel Paton from Developed, a leader in property development services, to dive into the latest trends shaping Perth’s property landscape.

🏡 What’s Inside This Episode?
✔️ Introduction to Property Development in Perth – What you need to know before getting started.
✔️ Current Market Trends – The latest shifts and opportunities for buyers and investors.
✔️ Major Infrastructure Projects – How new developments will impact property values.
✔️ Future Planning & Zoning – What’s coming next for Perth’s urban growth.
✔️ Housing Types & Generational Shifts – How buyer preferences are evolving.
✔️ Navigating the Granny Flat Process – The do’s and don’ts.
✔️ Recent R-Code Changes – What they mean for homeowners and investors.
✔️ Future Housing Trends – The next wave of property in WA.

💡 Whether you're an investor, homebuyer, or property enthusiast, this episode is packed with insights to help you stay ahead in Perth’s property market.

🔔 Don’t forget to follow and subscribe!

👉 Got questions or looking for expert advice? Connect with us!

• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

Daniel Paton

https://developedproperty.com.au/

🎧 Tune in now and make smarter property decisions!

Your Property Guide - Powered by Dynamic Advisory - Perth Based Buyers Agency and QPIA accredited Property Advisory

🎙️ Episode Title: Mastering Property Investment – Financial Strategies for Success

📢 Episode Overview:
In this episode of Your Property Guide, hosted by Matt Piotrowski, we focus on the financial side of property investment. Our guest, Tom Newman from Venture Finance, shares expert insights on financing strategies, leveraging equity, managing risk, and structuring investments for long-term success. Whether you’re a first-time investor or expanding your portfolio, this episode will help you make informed financial decisions. 💰🏡

⚠️ Disclaimer: This podcast is for educational and informational purposes only and does not constitute financial, legal, or investment advice. Always seek professional advice before making any financial decisions.

⏳ Episode Highlights:

⏱ 00:00 – Navigating Investment Financing Challenges
🔹 Understanding common hurdles in securing financing and how to overcome them. Learn about different lending options and strategies to optimise your borrowing capacity.

⏱ 07:27 – Strategies for First-Time Investors
🔹 Practical financial steps for those new to property investing, including budgeting, loan structures, and leveraging grants or incentives.

⏱ 12:46 – Building a Property Portfolio
🔹 How to grow your portfolio through smart financial strategies, including equity leverage and diversification.

⏱ 13:51 – Understanding Trusts in Property Investment
🔹 A deep dive into trust structures, tax benefits, and asset protection strategies.

⏱ 20:59 – Mitigating Financial Risks in Property Investment
🔹 Essential risk management strategies, including interest rate changes, market fluctuations, and cash flow planning.

⏱ 31:19 – Understanding Insurance Obligations in Property Investment
🔹 Why insurance is crucial for investors and the key policies to consider for financial protection.

⏱ 51:43 – The Debate on Debt Reduction vs. Investment
🔹 Exploring different approaches to managing debt while continuing to invest and grow wealth.

⏱ 58:04 – Exploring Debt Recycling Strategies
🔹 How to use debt recycling to optimise financial efficiency and build long-term wealth.

💡 Final Thoughts:
Smart financial planning is key to successful property investment. Tune in for actionable advice to make informed financial decisions and grow your portfolio with confidence. 🚀📈

🔗 Resources & Links:
🔹 Tom Newman’s Website: https://www.venturefinance.au

• Matt Piotrowski – Your Property Guide
  • Matt Piotrowski 
    • Instagram: https://www.instagram.com/matt.dynamic/
    • LinkedIn: https://www.linkedin.com/in/mattdynamic/
• Dynamic Advisory – Perth’s Premium Buyers Agency
  • Instagram: https://www.instagram.com/dynamicadvisory/
  • Book a strategy call: https://dynamicadvisory.com.au/

⭐ Subscribe & Review:
If you enjoyed this episode, please subscribe and leave a review! Your feedback helps us continue bringing valuable financial insights to property investors like you. 🎧✨

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