First Time Property Investor

Imtiyaz Rather

First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong. Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by: Imtiyaz Rather from Hack Mortgages, Pete Theodorou from Mindset Property and Skye Taylor from Taylored Property. You get get the full picture from Mortgage Broking, Buyers Agency and Property Management. Want to connect with us? ➜ https://linktr.ee/ftpi.pod

  1. 2 days ago

    S2E21 - Top Ten Questions Clients Are Asking About The Recent Tax Changes (Part 1)

    Since the recent tax law changes passed, Imti, Pete, and Skye's phones haven't stopped going off. Can you still build a portfolio? Does property even make sense anymore? Do loan structures need to change? In part one of this two-part series, the hosts tackle the first five of the top ten questions they're hearing from clients right now - grounded in facts, not headlines, and designed to help you cut through the mixed signals and clickbait dominating the property conversation at the moment. Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong. Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence.Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry. (00:00) - Introduction: Why everyone's asking these questions right now (01:08) - Q1. What strategies will become more popular with investors? (05:19) - Q2. Should I buy new builds because of the changes? (09:15) - Q3. How should my loans be structured moving forward? (12:41) - Q4. Can I still build a 10-plus property portfolio? (20:20) - Q5. Should I buy an owner-occupier instead? (26:42) - Wrap-up & what's coming in Part Two

    S2E21 - Top Ten Questions Clients Are Asking About The Recent Tax Changes (Part 1)

  2. 28 July

    S2E20 - How to Know What’s Enough: Ikigai and Aligned Property Investing

    This episode introduces the Ikigai framework as a way to make clearer, long-term property and life decisions amid noise from social media, family opinions, and investing “quick win” narratives. Imti explains Ikigai as the overlap of what matters to you, what you’re good at, what the world needs, and what you can be paid for, and asks Pete how it applies to client investing journeys. They discuss how losing alignment leads to distraction, ego-driven goals, shifting goalposts, overbuying, selling early, buying the wrong assets, and lifestyle strain, and argue most people don’t need huge portfolios to reach flexibility and choice. Buy the book: https://link.amazon/B04SeHnHo Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong.  Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry. (00:00) - Why Ikigai Matters (01:37) - Ikigai Explained Simply (02:41) - Long Term Investing Focus (06:44) - Noise Ego And Confusion (08:59) - How Much Is Enough (11:19) - Buckets For Balanced Life (12:32) - Ten Year Journey Reality (18:19) - Questions Buffers And Risk (20:40) - Selling Property For Purpose (22:49) - Wrap Up And Next Steps

    S2E20 - How to Know What’s Enough: Ikigai and Aligned Property Investing

  3. 21 July

    S2E19 - Unpacking Three Lies Property Influencers Keep Telling Their Audiences

    The property influencer space pushes three key messages every single day: grind harder, buy more, and everyone can and should be investing. But what if all three are wrong? In this episode, Imti, Pete, and Skye take on the biggest lies circulating in the property content world right now - not to discourage investing, but to cut through the shame, the hype, and the one-size-fits-all advice that's leaving a lot of people feeling behind, confused, and making decisions they'll regret.  Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong.  Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry.

    S2E19 - Unpacking Three Lies Property Influencers Keep Telling Their Audiences

  4. 14 July

    S2E18 - You've Invested For 10 Years... Now What?

    Most first-time property investors are laser-focused on getting started - but what happens after a decade of building a portfolio? In this episode, Imti puts co-host Pete in the hot seat for a candid, unscripted look at the crossroads he's currently facing: whether to pivot from residential into commercial property, go all-in on shares, or a combination of both. Even with nearly a decade of industry experience and eight properties under his belt, Pete opens up about the psychological traps, blind spots around insurance, and ego-driven decisions that nearly led him the wrong way. A must-listen reminder that no matter your experience level, having people around you who will challenge you - not just agree with you - makes all the difference. Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong.  Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry. (00:00) - Introduction & Pete's Portfolio Story (06:39) - The Refinance & Restructure (08:17) - Why Commercial Property? (09:07) - The Real Risks of Commercial (13:43) - Is Commercial Right for First-Time Investors? (15:55) - Shares as an Alternative (19:39) - Talking to Financial Planners (20:28) - The Insurance Blind Spot (23:03) - Pete's Three Pieces of Advice (27:36) - Where Pete Has Landed

    S2E18 - You've Invested For 10 Years... Now What?

  5. 7 July

    S2E17 - Changes To SMSF Lending: Why the New Rules Might Be a Blessing in Disguise

    The episode explains recent changes that will shut off new borrowing through SMSFs for residential property, while noting what hasn’t changed: SMSFs still exist, commercial property lending via SMSF remains possible, and residential property can still be bought outright with cash. The hosts argue the change affects less than 1% of lending and is being catastrophised by industry players who profit from SMSF property transactions, warning listeners not to rush due to FOMO-driven marketing like “45 days” offers. Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong.  Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry. (00:00) - SMSF Borrowing Shakeup (01:24) - Why Everyone Panicking (03:38) - Who SMSF Property Suits (04:34) - What Actually Changed (05:17) - Hidden Costs And Drag (06:43) - Property Bro Pivot (07:45) - Psychology And Better Alternatives (09:29) - FOMO Marketing Trap (12:57) - Who To Trust For Advice (17:03) - Real Risks For Existing Deals (18:48) - Final Takeaways And Help

    S2E17 - Changes To SMSF Lending: Why the New Rules Might Be a Blessing in Disguise

  6. 30 June

    S2E16 - The Dark Side Of Investing: How A One-Stop Property Shop Lost Our Client $350,000 Of Equity (Part 2)

    This is part two of Julia's story - a cautionary tale about a seasoned property investor who built $350,000 in equity across two properties, only to find herself in a situation that could cost her everything. In part one, the hosts walked through the story at a high level. In this episode, they slow it right down: breaking apart each of the 10 red flags in Julia's purchase journey - not just what they were, but why they felt completely reasonable in the moment, what the real risks are, and how you can spot them before it's too late. Connect with us ➜ https://linktr.ee/ftpi.pod 00:01 Referral Fees & Scaling Commissions08:44 The "Educational" Seminar16:37 Nominating A Pre-Selected Team22:44 Pre-Filled & Unconditional Contracts29:58 Hacking The Loan Structure34:36 Cross-Collateralisation of Loans37:15 Rental Guarantees & High Vacancy Rates40:43 Pre-Selected Builders42:38 One-Stop Shops45:07 Takeaways & Julia's Outcome First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong. Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence.Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry.

    S2E16 - The Dark Side Of Investing: How A One-Stop Property Shop Lost Our Client $350,000 Of Equity (Part 2)

  7. 23 June

    S2E15 - The Dark Side Of Investing: How A One-Stop Property Shop Lost Our Client $350,000 Of Equity (Part 1)

    What happens when a successful investor follows advice from people they thought they could trust? In this episode, the team unpacks the real-life story of Julia, a migrant who worked tirelessly to build wealth through property, only to find herself locked into two unconditional contracts that put more than $350,000 of equity at risk. From community referrals and educational seminars to referral commissions, house-and-land packages, SMSF property purchases, and unconditional contracts, this episode reveals how a series of seemingly small decisions created a financial nightmare. Part one focuses on Julia's journey and how the situation unfolded. In part two, the team will break down the red flags, warning signs, and practical lessons every investor should know to avoid finding themselves in the same position. Connect with us ➜ https://linktr.ee/ftpi.pod First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong.  Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry. (00:00) - The Phone Call That Started It All (01:00) - Meet Julia: Building the Australian Dream (02:30) - The Referral That Changed Everything (03:45) - From Accountant to Property Seminar (05:00) - Trust, Community & Hidden Incentives (07:00) - Why the Red Flags Didn't Feel Like Red Flags (08:30) - The One-Stop-Shop Property Model (11:15) - Two Contracts Signed in Two Weeks (13:00) - SMSFs, Trusts & Complex Structures (14:00) - The Team Behind the Transactions (14:45) - The Contract Clauses That Were Crossed Out (17:00) - Why Great Service Can Sometimes Be Dangerous (18:30) - The Myth That 'Property Always Goes Up' (19:00) - The SMSF Property That Was Worth Less Than Purchase Price (20:30) - How Trust Led to an $80,000 Overpayment (22:00) - The Second Property Problem (24:00) - The Negative Equity Risk (24:45) - The Only Way Out: Selling a Good Asset (25:30) - Why Choosing Your Own Professionals Matters (26:00) - The Bigger Lesson From Julia's Story (27:00) - Part Two Preview: The Red Flags Every Investor Should Know

    S2E15 - The Dark Side Of Investing: How A One-Stop Property Shop Lost Our Client $350,000 Of Equity (Part 1)

  8. 16 June

    S2E14 - Should You Buy New Or Established? (Part 2)

    With recent property tax changes reshaping the investment landscape, many first-time investors are asking the same question: should you buy established property or consider a new build instead? In this episode, the team breaks down a practical five-step framework covering the recent budget changes, investment timeframes, borrowing capacity, cashflow, and risk. Learn how each factor can influence your decision, the hidden trade-offs of both strategies, and why your personal circumstances matter more than ever. If you're trying to work out which path makes the most sense for your first investment property, this episode will help you cut through the noise and make a more informed decision. Connect with us ➜ https://linktr.ee/ftpi.pod 00:37 Understanding The Budget Changes 05:55 Timing Your Investment Strategy 11:36 Borrowing Capacity & Changes To Lending 17:36 The Importance Of Cashflow & Stress-Testing Your Investment 24:57 Understanding Risk Potential First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong.  Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by Imti, Pete and Skye, with insight from the finance, buying, sales and property management sides of the industry.

    S2E14 - Should You Buy New Or Established? (Part 2)
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About

First Time Property Investor is for Australians who want to invest in property but feel stuck between too much information, conflicting advice, and the fear of getting it wrong. Get honest conversations, practical insights, and clear strategy to help you avoid costly mistakes and move forward with confidence. Hosted by: Imtiyaz Rather from Hack Mortgages, Pete Theodorou from Mindset Property and Skye Taylor from Taylored Property. You get get the full picture from Mortgage Broking, Buyers Agency and Property Management. Want to connect with us? ➜ https://linktr.ee/ftpi.pod

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