First Time Property Investor

Imtiyaz Rather

Australia's most brutally honest property podcast—no fluff, no BS, just real talk. Your unfiltered property trio breaking down the toxic myths, mistakes, and outdated advice in real estate. Expect raw takes, insider strategies, and a few controversial opinions along the way. Hosted by: Property Manager Skye Taylor, Buyers Agent Peter Theodorou, and Mortgage Broker Imtiyaz Rather, giving you the no-holds-barred perspective from every angle. If you want to go from property rookie to Boomer-level overconfidence (minus the bad decisions), hit play.

  1. S2E4 - The Top 20 Questions First-Time Investors Are Asking ChatGPT

    5 DAYS AGO

    S2E4 - The Top 20 Questions First-Time Investors Are Asking ChatGPT

    Your three favourite property experts speed-run 20 of the most common questions first-time investors are asking ChatGPT, cutting through the fluff with real-life experiences and client scenarios.00:12 Buy Now or Wait00:48 Negative Gearing Reality01:16 Borrowing Power Basics02:05 Using Home Equity02:59 IO vs P and I Loans04:40 True Holding Costs06:33 Estimating Rent Properly08:02 Deposit and LMI Strategy09:12 Tax Claims and Deductions11:22 Depreciation Schedule Value13:40 Where to Buy First18:12 House Unit Townhouse Choice19:44 Are You Overpaying23:47 Winning the Auction25:19 Overpaying Reality Check25:42 Offer Checklist Roundtable27:30 Rental Demand Map Trick28:36 Strata Report Red Flags31:16 Cladding and Special Levies33:40 Landlord Insurance Essentials35:18 Picking a Property Manager37:26 Vacancy Buffers and Rent40:23 Building Your Investment Team42:52 Final Wrap Up

    43 min
  2. S2E3 - Interest Rate Hikes, CGT Rumours, and Analysis Paralysis: How Potential Investors Can Look Beyond The Headlines

    4 MAR

    S2E3 - Interest Rate Hikes, CGT Rumours, and Analysis Paralysis: How Potential Investors Can Look Beyond The Headlines

    The episode unpacks how interest rate hikes and proposed capital gains tax discount changes may affect first-time property investors, arguing many headlines create unnecessary fear. Skye warns landlords against matching rate rises with sharp rent increases because tenants now have more choice and even short vacancies hurt returns. Pete explains preparing investors with conservative cashflow planning, stress-testing rates above current levels, and keeping at least six months’ buffer. They also discuss the prevalence of analysis paralysis, recommending decision frameworks like fear setting, professional guidance, and ensuring you can Pay It And Move On when it comes to unexpected bills. 00:00 Headlines Spooking Investors 00:42 Rate Hikes And Rent Reality 02:15 Avoid Vacancy Over Rent Hikes 04:05 Building Buffers For Rate Rises 10:26 Rate Rises Can Create Opportunity 15:34 CGT Discount Explained 18:08 Will CGT Changes Backfire 22:11 Beating Analysis Paralysis 24:42 Fear Setting Decision Framework 28:58 Prepared For The Worst 30:24 Pay It And Move On

    32 min
  3. S2E2 - Four Flags That Aren't Necessarily Red

    18 FEB

    S2E2 - Four Flags That Aren't Necessarily Red

    The hosts discuss why first-time investors often miss good opportunities in a fast market by panicking over “red flags” that are frequently manageable. They explain how items flagged in building and pest reports can often be costed and negotiated while stressing the importance of using an independent, reputable inspector. They also cover financial conditions that may not be red flags: a slightly more expensive home loan can be worth it if a faster lender improves your chances in competitive offers, and paying LMI can help buyers enter the market earlier. 00:27 Red Flag #1 - The 7/10 Property Myth 02:00 Cosmetic Fixes vs. Real Dealbreakers (Location, Layout, Reno Fear) 03:56 Moisture, Waterproofing & Using Building Reports to Negotiate 06:18 Power Shift in Contracts: Cooling-Off, Conditions & Buyer Leverage 09:17 Inspector Reality Check: When to Walk Away + Avoid Agent-Issued Reports 11:04 Red Flag #2: 'Expensive' Home Loans - Why Speed Often Beats Rate 16:43 LMI Isn’t the Enemy: Paying to Get In Earlier (and Buy Better) 23:02 Red Flag #3: Easements - What They Are & When They Matter 29:21 Termites 101: Risk, Treatment, Due Diligence & Negotiation 34:23 Final Recap

    35 min
  4. New Year, New Podcast! Pivoting From Debunking Toxic Property To Mentoring First (and Second) Time Property Investors

    4 FEB

    New Year, New Podcast! Pivoting From Debunking Toxic Property To Mentoring First (and Second) Time Property Investors

    Welcome to the First Time Property Investor Podcast! In this reboot episode, the hosts unveil their exciting new direction, transitioning from the 'Toxic Property' podcast to the 'First Time Property Investor' podcast, or FTPI for short. They discuss the motivation behind the rebrand, aiming to cater specifically to first-time and relatively new property investors. The hosts emphasise the importance of realistic expectations, financial choice over financial freedom, and the value of having the right mentor to navigate the complexities of property investment. They share personal experiences, notable lessons, and future content plans, which include educational deep dives, real client stories, and region-specific insights. Join the journey as they strive to be the mentors they wish they had and help new investors make informed, strategic decisions. 00:00 Exciting Rebrand Announcement 00:57 Target Audience and New Focus 02:12 The Importance of Mentorship 03:04 Financial Choice vs. Financial Freedom 04:23 Realistic Property Investment Goals 07:21 Content and Client Stories 08:54 Personal Investment Journeys 14:46 Conclusion and Future Plans

    16 min
  5. EP34 - Real Estate Reality Check: Three Expensive Lessons We Learned The Hard Way (So You Don't Have To)

    30/11/2025

    EP34 - Real Estate Reality Check: Three Expensive Lessons We Learned The Hard Way (So You Don't Have To)

    With over 15 property purchases between them, our hosts share hard-earned lessons from their property investment journeys. From avoiding emotional investments and having a solid debt strategy, to diversifying your portfolio, they spill the beans on the costly mistakes they've made - saving you potentially hundreds of thousands of dollars. Featuring personal stories and practical advice, this episode is a must-listen for anyone serious about jumping into property investment. 00:00 Introduction 00:41 Lesson 1 10:27 Lesson 2 21:44 Lesson 3 29:07 Toxic Takes Connect with us ⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠ ⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠ ⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

    31 min
  6. EP33 - Rents Are Going Down: What You Need To Know To Protect Your Investment

    08/11/2025

    EP33 - Rents Are Going Down: What You Need To Know To Protect Your Investment

    Rental Yields Under Pressure: Strategies for Property Investors in a Changing MarketThe podcast episode discusses the unexpected decline in rental yields and provides actionable advice for property investors to protect their investments. Key topics include the definition and importance of rental yield and vacancy rates, the impact of current market changes on rents, and the importance of strategic pricing. With input from industry experts, the episode emphasises the need for realistic rental appraisals, understanding the media narrative versus on-ground realities, and adopting a long-term perspective. The discussion also covers the implications of affordability on the rental market and offers guidance on securing quality tenants.00:00 Introduction: Rents Are Going Down!00:46 Understanding Rental Yields02:41 Vacancy Rates and Market Dynamics06:48 Pricing Strategies for Landlords14:51 Media Narratives vs. Market Reality19:02 Investor Insights and Property Trends28:14 Conclusion and Final Thoughts Connect with us ⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠ ⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠ ⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

    30 min
  7. EP32 - Unmasking Auction Price Guides: The Truth Behind the Strategy

    02/11/2025

    EP32 - Unmasking Auction Price Guides: The Truth Behind the Strategy

    Price guides for properties are often misleading and can create unrealistic expectations for buyers. In this episode, the hosts take listeners through a recent live auction involving a mutual client. They explain why most bidders were unable to place a bid and share strategies on how to secure a home in a hot market. The episode covers pre-auction preparation, including client expectations, property valuations, and managing nerves. The hosts also discuss the psychology of auctions, including dealing with ego bidders and setting the right opening bid to control the auction. The episode wraps up with insights on avoiding common pitfalls and ensuring successful property purchases even in competitive markets.00:00 The Problem with Price Guides00:21 Client Case Study: Pre-Auction Preparation12:58 Understanding Auction Day Dynamics18:02 The Auction: Strategy and Execution25:59 Post-Auction Reflections and Key Takeaways28:00 Final Thoughts and Advice Connect with us ⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠ ⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠ ⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

    31 min
  8. EP31 - First Home Guarantee Scheme Changes: Insights From The Front Line

    22/10/2025

    EP31 - First Home Guarantee Scheme Changes: Insights From The Front Line

    This episode dives deep into the first two weeks of the First Home Guarantee Scheme changes - the imminent property price surge, increasing open house attendances, and fierce competition among first home buyers and investors alike. We discuss strategic tips for navigating the competitive market, from shortening finance clauses to staying realistic about rental yields. Hear firsthand accounts of current market dynamics and gain insights into effectively preparing for your property journey.00:00 Introduction to the First Home Guarantee Scheme Changes00:55 Current Market Observations from a Buyer's Agent04:50 Navigating Competitive Offers and Finance Clauses08:56 Tenant Market Shifts and Landlord Realities10:53 Investor Insights and Market Dynamics18:10 The Importance of Speed in Loan Applications26:56 Final Thoughts and Key Takeaways Connect with us ⁠Imtiyaz Rather⁠ - Principal Mortgage Broker 🤓 -⁠⁠⁠⁠ ⁠Hack Mortgages⁠ ⁠⁠⁠⁠⁠⁠⁠Skye Taylor⁠ - Director 💅 - ⁠⁠⁠⁠⁠Taylored Property Management⁠ ⁠⁠⁠⁠⁠⁠⁠Peter Theodorou⁠ - Buyers Agent 🕺 - ⁠⁠⁠⁠⁠Mindset Property⁠⁠

    29 min
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Ratings & Reviews

5
out of 5
8 Ratings

About

Australia's most brutally honest property podcast—no fluff, no BS, just real talk. Your unfiltered property trio breaking down the toxic myths, mistakes, and outdated advice in real estate. Expect raw takes, insider strategies, and a few controversial opinions along the way. Hosted by: Property Manager Skye Taylor, Buyers Agent Peter Theodorou, and Mortgage Broker Imtiyaz Rather, giving you the no-holds-barred perspective from every angle. If you want to go from property rookie to Boomer-level overconfidence (minus the bad decisions), hit play.

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