The Property Nerds

The Property Nerds

Welcome to The Property Nerds Podcast, where real estate meets research and data drives decisions. The team behind InvestorKit were named Winner of the REB Buyers Agency of the Year 2026, one of the highest honours in Australia’s property advisory industry. Hosted by Arjun Paliwal, Founder and CEO of InvestorKit, alongside Adrian, Senior Portfolio Strategist at InvestorKit, and Jack Fouracre of Fouracre Financial. Together they unpack market trends, finance strategy and portfolio building so investors can make smarter property decisions backed by data, not hype.

  1. 1 DAY AGO

    A $3K Pay Rise Cancels Out a Rate Hike: The Interest Rate Math Nobody Shows You

    Most investors hear "interest rate rise" and freeze. But what if the actual math tells a completely different story? In this episode of Property Nerds, Arjun Paliwal sits down with Jack Fouracre from Fouracre Financial to break down the real numbers behind rate movements, lender tiers, and the yield calculation trap that's quietly shrinking thousands of investors' options without them even realising. 💡 What's covered: → A 0.25% rate rise = ~$20K reduction in borrowing capacity and $200/month per million — less than most people think → Why a $3–4K salary rise or $50/week rent increase cancels out an entire rate hike → How sentiment is doing more damage than the actual rate movement → The 3-tier lender strategy: when to use each and why the order matters → Why major banks put you on P&I loans on purpose (and what it costs you) → The 5% yield trap: how one broker's estimate can cut your investable markets from 12 cities down to 1 or 2 → How dropping your yield assumption from 5% to 4% can open up hundreds of thousands in purchase price → Why reviewing your finance every 12 months is the single best portfolio habit → What open banking + technology will mean for property investors in the future "It's a sentiment thing more than the actual effect. When people hear it only reduced their borrowing power by $20K and added $200 a month — that's a game changer." Chapters: 0:00 Intro — the rate rise math nobody talks about 1:30 How 0.25% actually affects borrowing capacity & sentiment 2:28 Why bad headlines create buying opportunities for smart investors 4:08 Assessment rates explained & why Australian lending stays strong 6:51 The $64/week offset: how salary & rent growth beat rate rises 7:39 The tier lender strategy: why it matters for your portfolio 9:03 Tier 1 & 2 lenders: when and why to use each 12:03 Tier 3 & 4 non-banks: niche policies & big capacity unlocks 16:09 The 5% yield trap shrinking your investment universe 22:02 12-month reviews, open banking & the future of property finance 🎙️ Guest: Jack Fouracre — Fouracre Financial👉 fouracre financial.com.au 🥇🥇 InvestorKit - Back To Back "Buyers Agency Of The Year 2023 & 2024" Book your discovery call here: https://www.investorkit.com.au/youtube ✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.#PropertyNerds #InterestRates #BorrowingCapacity #PropertyInvesting #InvestorKit #JackFouracre #MortgageBroker #AustralianProperty

    27 min

  2. 28 APR

    The Business Owner's Guide to Property Investing in Australia

    If you're self-employed and someone's told you to wait two years before investing in property — this episode is for you. Arjun Paliwal and Jack Fouracre from Fouracre Financial bust the biggest myths around self-employed lending and break down exactly how business owners at every stage — from 6 months ABN to $20M+ turnover — can build serious property portfolios with the right structure. 💡 What's covered: → The "2-year myth": why 6 months ABN is often enough to get finance → BAS statements, self-declaration letters & bank statements as income verification → SMSF options for business owners — even without a long super contribution history → How to catch up years of super contributions in a lump sum → Why successful business owners can't just "pull money out" without a tax nightmare → The bucket company strategy: moving profits from 25% to 30% tax instead of 47% → A real example: $6M commercial property and how wrong structuring costs $1M in tax → What Arjun overheard at an F1 event with $500M+ in turnover in the room → Div 7A, director's loans & the tax bills that show up 6-7 years later "At a certain point, you can't hide the profits. And most business owners are allergic to paying tax." Chapters: 0:00 The "wait 2 years" myth — busted 1:38 New lending options: 6-month ABN, BAS & self-declaration 5:26 Super catch-up contributions & SMSF strategies 8:20 Why high-turnover business owners can't just "pull money out" 13:24 Bucket companies, trusts & the right tax structure 18:09 Key rules + how to get the right team around you 📞 Book a free discovery call with InvestorKit: 👉 investorkit.com.au 💰 Lending support for self-employed investors: 👉 fouracrefinancial.com.au ✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit

    21 min

  3. 23 APR

    23 Years Old, 2 Investment Properties & a Butcher Shop Job: Moses' Story

    At 23, Moses owns two investment properties, one in Townsville, one in Wodonga while working full-time as a disability case manager and part-time on weekends. He didn't come from money. He didn't get a head start. His first accountant and broker both told him his goals weren't possible. He went and did it anyway. In this episode of the Property Nerds podcast, Arjun Paliwal sits down with InvestorKit client Moses to unpack the mindset, habits, and decisions behind one of the most compelling young investor stories we've heard. 💡 What you'll learn: → How an Italian upbringing built the financial discipline most investors never develop → Why Moses chose work over travel straight out of school — and what it gave him → How two properties became possible on a nurse/support worker income → Why affordability is a suburb problem, not an Australia problem → What borderless investing feels like when you've never visited your properties → Why your accountant or broker saying "no" is not the final answer → The framework for career growth: skill, attitude, and understanding what your leaders actually need Moses, "To achieve extraordinary things, you have to do extraordinary things." 📞 Book a free 15-minute discovery call with InvestorKit:👉 investorkit.com.au InvestorKit — 2026 REB Buyers Agency of the Year. $500M+ in equity generated for Australian investors. #PropertyNerds #PropertyInvesting #YoungInvestor #AustralianProperty #InvestorKit #BuyersAgent #BorderlessInvesting ✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au ✅ CONNECT WITH INVESTORKIT:Website: 👉 https://www.investorkit.com.au Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit Chapters 0:10 Meet Moses: 2 properties by age 23 1:52 First job: straight out of school to the butcher shop 5:41 Growing up in a hardworking Italian family 12:18 Career motivation, work ethic & current roles 15:35 The framework for career and financial growth 18:58 Two properties by 23: Townsville & Wodonga 23:41 Why he used a professional buyer's agent 28:20 Buying borderless: properties he's never visited 33:57 Advice for young investors (and ignoring the naysayers)

    40 min

  4. 14 APR

    From Rebel Sport to $500K+ Equity: Shahin's Property Journey 20 Years in the Making

    20 years ago, Shahin moved to Australia to learn English and travel. He had no plans to stay, no permanent residency, and no property portfolio. Today? Three investment properties across three cities and two states with over $500,000 in equity generated in just a few years. In this episode of the Property Nerds podcast, Arjun Paliwal sits down with InvestorKit client Shahin to unpack the full journey — the mindset, the challenges, the family dynamics, and the decisions that made it all possible. 💡 What you'll learn: → The $850K apartment Shahin passed on that's now worth $8 million → Why he refused to buy his own home first and what he did instead → How he bought a house in Toowoomba for under $400K (now worth ~$700K) → The system he uses to manage multiple mortgages without financial stress → How he dealt with rising interest rates, inflation headlines & outside noise → What separates data-driven investors from emotional ones "I put my emotions aside completely. Everything has to be an asset. If it makes sense, I'm buying." 📞 Book your free 15-minute discovery call: 👉 investorkit.com.au InvestorKit — 2026 REB Buyers Agency of the Year. $500M+ in equity generated for Australian investors. 🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au ✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit Chapters 0:00 Intro — Shahin's story & results snapshot 2:45 Moving to Australia 20 years ago — the beginning 5:41 First job at Rebel Sport & a sales mindset 7:46 The $850K apartment now worth $8 million 9:15 "Everything has to be an asset" — where the mindset came from 11:01 Why he chose a buyers agent (and how he picked InvestorKit) 14:23 Toowoomba: a house under $400K, now worth ~$700K 19:54 Blocking out noise — rates, headlines & fear 23:01 Managing cash flow across three properties 31:34 What $500K+ equity means for his family's future 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/ Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions. 🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au

    37 min

  5. 9 APR

    The Lending Loophole Wealthy Investors Use (That The Big Banks Don't Want You to Know)

    The banks control the rules but they don't control which lender you use. In this episode of Property Nerds, Arjun Paliwal sits down with Jack Fouracre from Fouracre Financial to break down exactly how savvy investors are using smarter lending strategies to borrow more, hold more, and build wealth faster. 💡 What you'll learn: → Why a single rate rise only shifts borrowing capacity by ~$20–30k (and what actually matters more)→ How third-tier lenders with 40-year loan terms and lower stress buffers unlock hundreds of thousands in extra capacity → The real impact of rate rises on investors vs owner-occupiers (hint: negative gearing helps a lot)→ Why brokers now hold 80% market share — and how that forces banks to change their policies → The equity release + offset account strategy that lets you hold negatively geared properties without feeling the pain → Arjun's personal formula: saving 25–45% of net household income to "hold the fort" while your assets compound 🎙️ Jack Fouracre — Fouracre Financial👉 fouracrefinancial.com.au ✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit Chapters 0:31 Meet Jack Fouracre (Fouracre Financial) & why property is a finance game 3:01 Arjun's book: Driving the Data 3:31 How rate rises actually affect borrowing capacity 6:01 Major banks vs third-tier lenders explained 8:01 Real example: $300k deposit vs $150k cash buffer kept 9:01 The equity release + offset buffer strategy 13:31 Compounding growth vs negative cash flow 18:31 The savings formula: 25–45% of net income 23:01 Brokers have 80% market share — what that means for you 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/ Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    28 min

  6. 31 MAR

    $4.6 Trillion Opportunity Most Australians Ignore

    Over $4.6 trillion sits inside the Australian super system, but for many investors, it’s simply left inside default funds with little control over how it’s invested. In this episode of The Property Nerds, we sit down with Natalia Clack from Easy Super to unpack the growing trend of Australians taking control of their retirement savings through Self Managed Super Funds (SMSFs) and how property is becoming part of that strategy. We unpack: Why SMSFs surged in popularity after 2020The biggest mistakes people make when setting up a fundHow Australians are using super to invest in propertyWhy borrowing power outside super is pushing investors to look inside itThe common balances and ages where SMSFs start to make sense If you’ve ever wondered whether your super could be working harder for you, this episode breaks down the structure, risks and opportunities investors need to understand. Timestamps: 02:10 - Natalia’s 22 Year Journey in the SMSF Industry 04:20 - Why SMSFs Surged After 2020 06:00 - Borrowing Power & Why Investors Look to Super 07:45 - The Biggest SMSF Mistakes People Make 11:40 - Why the Right Specialist Team Matters 14:55 - Typical SMSF Balances & Who It’s For 20:50 - Can You Pay Expenses Before Your SMSF Is Set Up? 24:00 - How Much Cash Buffer an SMSF Should Hold 27:00 - Crypto, Gold & Alternative Assets Inside Super 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/

    33 min

  7. 24 MAR

    How Much Can You REALLY Borrow in an SMSF?

    In this episode of The Property Nerds, we break down what’s actually happening inside SMSF lending right now… and why it’s opening doors most investors don’t even realise exist. From 90% LVR opportunities to commercial deals that can cashflow from day one, this episode is all about understanding what your super can actually do when lending strategy is done right. We walk through real numbers, real scenarios, and where most people either unlock growth… or get stuck. Because in property, it’s not just what you buy, it’s how you structure it. Timestamps: 01:20 - More lenders entering the SMSF space 02:40 - 90% LVR in SMSF (and why it’s a game changer) 04:40 - Who this strategy actually works for 07:10 - Residential SMSF: what a $600K deal looks like 10:45 - Why contributions + rent matter more than you think 12:00 - Commercial SMSF explained 18:20 - The biggest mistake investors make with SMSF strategy

    24 min

  8. 17 MAR

    Sydney Was Too Expensive… So He Did This Instead

    In this episode of The Property Nerds, we break down how he went from working full time while studying, to buying his first investment at 23 and scaling to three properties across multiple states using strategy, not luck. This isn’t a story about earning crazy money. It’s about decisions, discipline, and understanding how the game actually works. We unpack: Why buying in your own backyard can hold you backThe small money habits that accelerated his first depositHow one decision changed everythingWhat most first time buyers get wrong about apartmentsHow equity replaced saving for his second property If you’re in your 20s and feel like Sydney has priced you out, this episode will show you what’s actually possible when you shift your strategy. Because property isn’t about where you live. It’s about how you play the game. Timestamps: 05:11 - Why Sydney felt impossible at the start 06:09 - The advice that stopped him buying units 08:29 - Why buying in your own backyard can be a mistake 12:39 - First property 18:59 - Using equity to fund property #2 21:05 - The reality of rising debt and cash flow pressure 27:05 - Third property + shifting to non-bank lending 31:48 - His advice for anyone starting in their 20s

    37 min
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4.2
out of 5
17 Ratings

About

Welcome to The Property Nerds Podcast, where real estate meets research and data drives decisions. The team behind InvestorKit were named Winner of the REB Buyers Agency of the Year 2026, one of the highest honours in Australia’s property advisory industry. Hosted by Arjun Paliwal, Founder and CEO of InvestorKit, alongside Adrian, Senior Portfolio Strategist at InvestorKit, and Jack Fouracre of Fouracre Financial. Together they unpack market trends, finance strategy and portfolio building so investors can make smarter property decisions backed by data, not hype.

Information

  • Creator
    The Property Nerds
  • Years Active
    2021 - 2026
  • Episodes
    115
  • Rating
    Clean
  • Copyright
    © The Property Nerds
  • Show Website
    The Property Nerds

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