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, CEO & Head of Research at InvestorKit, alongside Jack Fouracre, Head of Broker Division at 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. 4 days ago

    Her Clients Pay Off Their Mortgage in 7 Years, Not 30

    Most property owners in Australia are on autopilot. They get a loan, set up their repayments, chase a slightly better rate every couple of years, and forget about it for 30 years. In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Kat Marsalek from Finance Differently to unpack a completely different approach to mortgages. Kat has over 22 years in finance, spent years inside the banking system, and now runs a debt reduction practice where her clients are on track to pay off their mortgages in an average of 7 years and 7 months. Chapters: 0:00 – Why Handing Out a Million Dollar Interest Bill With No Plan Is Irresponsible 2:35 – Kat's Background: 22 Years in Finance and Why She Started Finance Differently 4:06 – Financial Autopilot: The Enemy Nobody Talks About 6:25 – Same Income, Same Bank, Completely Different Outcomes 8:09 – The $1.3 Million Interest Bill He Didn't Know He Had 9:14 – 46 Strategies, 2 Used, $1 Million Saved in 5 Minutes 11:43 – The 30-Year Loan Was Designed by Banks for a Reason 14:09 – What Is Your Effective Interest Rate and Why It Matters 15:24 – Redraw vs Offset: Why Redraw Is Not Your Money 17:32 – Quick Wins: Ghost Subscriptions, Income Shifts, and Selling the Toys You Never Use 21:21 – From 16 Debts and Nearly Losing Their Home to Talking About Investing in 4 Weeks 24:39 – Consolidation Done Wrong: The Mistakes That Keep People in Debt 29:28 – Her Mission: Legislate a Debt Reduction Plan for Every Home Loan in Australia 35:02 – Why Your Home Loan Needs to Be Sorted Before You Can Invest With Peace of Mind 🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/ ✅ 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.

  2. 8 Sept

    Post-Budget Property Market Predictions Review: What "Smart Investors" Are Doing Right Now

    Three months ago, Arjun and Jack made predictions about what the budget changes would actually do to property investors. Three months on, some came true, some haven't yet, and one turned out to be a bank mistake that cut borrowing power by 30% almost overnight.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) and Jack Fouracre from Fouracre Financial go through the scorecard. They break down the calculator error banks made, why "trusts are dead" was wrong, why APRA's lending buffer is still too high for today's rates, and why rents are growing closer to 10% this year — not the $2 the government predicted.They also look at what happens next: whether negative gearing comes back in 2028 or not, and why investors who moved early are already better off either way.🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: 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.auSend your questions to: 👉 arjun@investorkit.com.auFollow us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitDisclaimer: 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.

  3. 1 Sept

    The Budget Promised to Help First Home Buyers. It's Doing the Opposite.

    The government's budget was framed entirely around helping first home buyers. Three months on, the data tells a different story: first home buyers aren't more active, they're more nervous, and the changes meant to help them may be pushing them further from the market instead of closer to it.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial to break down the three ways this budget isn't delivering on its own promise. They cover why offering 95-98% loans doesn't matter if confidence is gone, why investors chasing higher yields to offset deferred negative gearing are now competing directly with first home buyers at the affordable end of the market, and why rents rising well beyond Treasury's modeled 2% increase are quietly eating into the deposits first home buyers are trying to save.They also unpack the compounding, often invisible effects of rising rents, how it can push people into cheaper suburbs further from work, and how that single decision can end up affecting someone's income and career trajectory for years.Chapters:0:00 – Why First Home Buyers Aren't Buying, Even With Bigger Loans on Offer1:41 – The Three Ways This Budget Isn't Helping First Home Buyers3:00 – From 13th on the Offer List to Winning: What Actually Changed5:38 – Why Helping One Group by Hurting Another Never Works6:38 – Why Investors Are Chasing Yield, and Competing With First Home Buyers9:19 – The $2 Rent Forecast vs. What's Actually Happening9:40 – The Hidden Cost of Rising Rents: Jobs, Suburbs, and Career Trajectories12:35 – What This Means If You're an Investor Right Now🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: 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.auSend your questions to: 👉 arjun@investorkit.com.auFollow us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitDisclaimer: 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.

  4. 25 Aug

    "This Is The Best Time to Buy" — Here's the Data Behind That Call

    Since the budget, the headlines have been telling one story: prices are falling, sentiment is crashing, buyers are running scared. The actual data tells a very different one, and the gap between the two is exactly where the opportunity sits. In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre, Head of Broker Division, from Fouracre Financial to unpack the real, on-the-ground behaviors happening post-budget, not the media narrative. They cover why owner-occupiers and investors alike are suddenly refusing to sell, why some are switching their own home loan to interest-only years before turning it into an investment property, and why the "accidental investor" problem is quietly reshaping portfolios based on government decisions rather than actual investment strategy. They also break down the real quartile-based market data: why the lower end of the market has now outperformed the top end for six straight years, why Sydney is sitting at a 2019-style inflection point for upsizers, and the six-part "other side" Arjun believes almost nobody is factoring into their decision right now, including falling interest rates, rising servicing capacity, and stronger rental yields all converging at once. Chapters: 0:00 – Why This Is the Best Time to Buy (And the Bias Behind Saying It) 1:43 – What Owner-Occupiers and Investors Are Actually Doing Post-Budget 3:00 – The Interest-Only Trick Investors Are Using on Their Own Home 6:01 – The Accidental Investor Problem Nobody's Talking About 8:52 – Calling Out the BS Headlines: What the Real Data Shows 10:33 – Why the Lower End Has Beaten the Top End for Six Years Straight 12:47 – Sydney's 2019 Moment: Why Upsizers Have Never Had It Better 14:00 – What Actually Shifts Market Sentiment From Here 19:19 – The "Other Side" Nobody's Pricing In Yet 22:12 – The Lending Trends Banks Don't Want You to Notice 🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/ If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: 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 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.

  5. 18 Aug

    How This Doctor Built a $6M Portfolio With 6 Properties Across 4 States

    Being time-poor doesn't feel like a wealth-building risk. It feels like just being busy. But for high-income professionals working overtime, night shifts, and specialty training, that busyness can quietly stall a portfolio for years without anyone noticing until the gap becomes the story.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Sudesh, a doctor who bought his first two properties in his 20s in his own backyard in Melbourne, then went four years without buying again simply because life, training, and time got in the way. After a divorce and a reset in 2021, Sudesh partnered with InvestorKit and bought four more properties across Western Australia, Queensland, and New South Wales in just two years, growing $780K in equity on those four purchases alone.They unpack the "third decade" concept and why compounding makes your 30s the most powerful decade to invest in, why diversifying across states turns a portfolio into something closer to a leveraged ETF, and why Sudesh believes the biggest shift wasn't the properties themselves, it was trusting a team enough to move faster than he ever had before.Chapters:0:00 – Time Is a Friend and a Killer at the Same Time1:34 – The Journey So Far: 6 Properties, 4 States, $6M3:57 – The Third Decade Effect: Why Your 30s Matter Most6:57 – Buying His First Two Properties in His Own Backyard13:01 – The 4-Year Gap: What Time-Poor Really Costs You15:51 – The $1.5M Apartment That Changed His Thinking20:53 – The Mindset Shift: Buying Property He'd Never Seen22:35 – Why Diversity Turns a Portfolio Into a Leveraged ETF30:59 – From Residential to Commercial: What Comes Next32:57 – The Wealth Effect: Why It Was Never About the Money36:04 – Why He Took Action While Others Waited41:32 – The Real Challenges Behind Scaling a Portfolio This Fast🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: 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.auSend your questions to: 👉 arjun@investorkit.com.auFollow us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitDisclaimer: 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.

  6. 11 Aug

    The SMSF Lending Ban: It's About Taking Away Your Choice

    Most people are reading the SMSF lending ban as a small policy tweak affecting a tiny slice of residential borrowing. It isn't. It's a decision that reaches into far more than property investors: from the credit assessors and brokers whose entire business is built around SMSF lending, to the tradespeople who never get hired because a development stalls two years before anyone notices the drop in settled loans.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre, Head of Broker Division at Fouracre Financial, to break down what actually happens once the SMSF lending ban takes effect. They unpack why hesitation, not the policy itself, is often the real cost to investors, what's likely to happen to lenders who built entire loan books around SMSF, and why the ban's real impact is hidden in off-the-plan developments and pre-sales that won't show up in the data for years.They also cover the three signals that typically bring uninformed buyers back into the market, the real cash flow math behind a $675K property at today's rates versus a normalised rate environment, and why Arjun believes media sentiment, not fundamentals, is currently doing most of the work shaping buyer behavior.Chapters:0:00 – The Real Cost Nobody's Talking About1:16 – Why Hesitation Is the First Consequence of the Ban3:04 – What Happens If You Already Have an SMSF Loan5:12 – The Coffee-and-Croissant Problem: How Lenders Will React6:39 – Why This Could Cause More Unemployment Than Expected9:53 – The Jobs Connected to Every Property Transaction11:20 – The Off-the-Plan Blind Spot the Government Is Missing13:53 – Why InvestorKit Just Had Its Biggest Repeat-Client Month Ever14:41 – The Three Signals That Bring Uninformed Buyers Back16:32 – The Real Cash Flow Math on a $675K Property17:58 – What COVID Taught Us About the Power of Media Sentiment🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: 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.auSend your questions to: 👉 arjun@investorkit.com.auFollow us on Facebook: 👉 https://www.facebook.com/InvestorKitFollow us on Instagram: 👉 https://www.instagram.com/investorkit.com.auSubscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkitConnect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkitDisclaimer: 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.

  7. 4 Aug

    Why Your Biggest Wealth-Building Risk Isn't the Market — It's This

    Most property investors spend years thinking about yield, cash flow, and growth but almost none of them plan for the one event that can undo all of it: losing the income that made the whole portfolio possible in the first place. In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Chris Seneviratne, Director of Wealth Protection at Solace Life, to unpack why cashflow and debt disruption (not market downturns) is the real mechanism that stalls or kills a wealth-building journey. They break down the four types of personal insurance most investors have never properly reviewed, why critical illness cover gets overlooked despite paying out on diagnosis alone, and the exact point in life ("suddenly responsible") where most people finally think about protecting what they've built, usually too late. Arjun also shares his own story of a lapsed policy that led to a routine underwriting test uncovering a serious heart condition and why getting protected early, while healthy, is the difference between having options and being forced to sell an asset at the worst possible time. Chapters: 0:00 – The Real Risk Nobody Plans For 1:06 – What "I'm Doing This for My Family" Actually Means 2:38 – The Misconceptions Australians Have About Getting Sick or Injured 4:42 – The "Suddenly Responsible" Moment Most People Wait For 7:56 – Why Protection Gets Cheaper the Earlier You Get It 9:52 – The Lapsed Policy That Uncovered a Heart Condition 12:44 – Why Forced Selling Is the Real Cost of Being Unprotected 15:04 – The Bowel Cancer Story That Changed a Family's Cover 19:07 – The Four Types of Personal Insurance You Need to Know 23:32 – Why Insurance Deserves a Different Mindset Than Car or Home Cover 24:44 – One Final Piece of Advice for Protecting the People You Love Connect with Solace Life: https://solacelife.com.au/ Book a free cover check with Chris Seneviratne: https://www.solacelife.com.au/book-a-call 🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/ ✅ 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 does not take into account your personal objectives, financial situation or needs. Before acing on any information you should consider whether it is appropriate for your circumstances, and obtain the relevant product disclosure statement and target market determination. Please review our financial services guide and privacy policy for further information by reviewing our website Solacelife.com.au.

  8. 28 July

    Interest Only vs P&I: What Investors Get Wrong (And What It Costs You)

    Most property investors treat interest-only versus principal and interest as a repayment decision. It's not. It's a borrowing capacity decision, and picking the wrong one can quietly cost you one to two properties you never knew you were eligible for. In this deep-dive episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial to go further into finance strategy than most brokers ever explain. Together they break down exactly how one $700,000 loan can be assessed completely differently by two different banks, why that gap can swing your servicing by over $100,000, and why the "cheaper rate" everyone chases isn't actually the win people think it is. They also unpack a concept from the world of accounting that reframes debt entirely: how a $50,000 loan balance that felt unmanageable in the 1990s can feel almost meaningless on a $1.5 million asset today, without a single dollar of it ever being paid down. Chapters: 0:00 – The First-Year Illusion: Why Your Repayment Isn't Doing What You Think 1:59 – The Basics Reset: What Interest-Only and P&I Actually Mean 4:11 – The Cheaper Rate Trap: Why 0.3% Doesn't Mean What You Think It Means 6:33 – The Servicing Blindspot: Why Major Banks Judge a Loan You Don't Have Yet 9:39 – The Extra Property Multiplier: How the Right Bank Adds 1–2 Properties to Your Portfolio 12:03 – The LVR Threshold Shift: Why 80%, 90% and 97% Change Every Rule 14:17 – The Purchase Split Strategy: Why One Loan Can Be P&I While the Rest Stay Interest-Only 19:11 – The Inflation Blindspot: Why a $50K Debt Feels Worthless 40 Years Later 22:05 – The Real Answer: Why It's Never One or the Other 🥇🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/ If you're scaling a portfolio and want the right structure before your next purchase, the team at Fouracre Financial can walk you through it: 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 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.

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4.2
out of 5
18 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, CEO & Head of Research at InvestorKit, alongside Jack Fouracre, Head of Broker Division at 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
    134
  • Rating
    Explicit
  • Copyright
    © The Property Nerds
  • Show Website
    The Property Nerds

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