No B.S. Property Investing

Ripehouse Advisory
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Welcome to The No B.S. Property Investing podcast (brought to you by Ripehouse Advisory) - where data replaces guesswork and strategy beats speculation. Join your host, Julian Nicolitsis (Head of Strategy at Riphouse Advisory), as we cut through all the property investing fluff and nonsense - bringing you proven strategies helping everyday Australians build legitimate property portfolios.Each episode delivers actionable intelligence on what actually moves the needle.We also expose the costly mistakes that trap first-time investors and share the data patterns that predict sustainable growth. Whether you're comparing rentvesting returns, decoding interest rate impacts, or understanding why most property investors never buy a second property - you'll get the unfiltered, no B.S. truth backed by real numbers.Hit subscribe for data-driven property investing insights and tips that successful investors use. New episodes drop every week.Your first investment property is closer than you think.

  1. 14 HR AGO

    I Wish Every Property Investor Could Hear This (Property Law Expert) | Richie Muir

    Buying property in Australia? Don’t sign that contract until you hear this. One small legal mistake when purchasing a property can cost you tens of thousands of dollars in stamp duty, capital gains tax, lost deposits, or contract penalties. In this episode, we sit down with national property law expert, Richie Muir (Legal Director of Lawlab). Together, we break down the most common legal mistakes property investors and home buyers make - and how to avoid them. If you're buying interstate, purchasing through an SMSF, investing in Queensland, or signing contracts in a hot market, this conversation could save you serious money. Whether you're a first-time buyer or seasoned investor, you’ll discover: ✅The biggest legal mistakes buyers make before signing a contract ✅Why ownership structure must be decided before you purchase ✅Stamp duty traps and how changing entities can trigger extra costs ✅SMSF property purchases ✅Why WA and QLD have historically been considered “buyer beware” markets ✅Illegal building works and council approval risks ✅When title insurance is worth considering ✅Due diligence clauses… and why agents sometimes push back ✅Digital conveyancing, PEXA settlements, SMSF property purchases, and more Key moments: 00:00:00 Intro 00:01:00 Meet Richie from Law Lab 00:02:00 How Law Lab became a national firm 00:04:20 What makes Law Lab different 00:07:00 Common legal mistakes buyers make 00:08:40 Entity structure and tax traps 00:13:20 Legal differences across Australian states 00:15:00 Queensland's disclosure laws 00:20:20 Red flags in titles and due diligence 00:26:40 Tech transforming property conveyancing 00:31:20 Rise of SMSF property purchases 00:34:40 One piece of advice before signing NOTE: The contents of this podcast are for entertainment and educational purposes only. Always seek personalised advice from an accredited and reputable legal professional. - ✅Connect with Richie from Lawlab✅ https://www.lawlab.com.au/ - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    40 min

  2. 17 FEB

    Banks Are Tightening Trust Lending… And Your Borrowing Power Could Change

    Banks are pulling back from trust lending… and most property investors don’t understand why. While APRA has reinforced the 6x Debt-to-Income (DTI) rule, the bigger story is what’s happening inside bank credit policy - particularly around trust structures. Some lenders have tightened or stepped away from trust lending altogether. Why? Because for the past few years, certain strategies have been pushed hard - suggesting investors could increase borrowing power by purchasing properties inside trusts, ignoring debt if cash flow was neutral, and stretching beyond traditional serviceability limits. But what happens when interest-only loans expire? What happens when you try to refinance while sitting above the 6x DTI cap? And what happens if your borrowing strategy only worked inside a narrow policy window that no longer exists? In this episode of the NO BS Property Investing Podcast, Julian sits down with Mark Davis (23-time Broker of the Year from the Australian Lending & Investment Centre) to unpack: ✅ Why banks are pulling back from trust lending ✅ How the 6x Debt-to-Income (DTI) limit really works ✅ The refinancing risks investors aren’t considering ✅ What happens when interest-only periods end ✅ Why trusts don’t automatically increase borrowing power ✅ When trust structures actually make sense ✅ How to build wealth sustainably without chasing loopholes Key moments: 00:01:00 What's actually changed in lending 00:02:20 The 6x debt-to-income cap explained 00:04:00 Banks pulling out of trust lending 00:07:00 The Macquarie self-certification problem 00:08:00 Why trusts reduce borrowing for most people 00:10:00 Financial influencers and unlimited borrowing myths 00:11:00 The interest-only expiry trap 00:13:20 The narrow window where trusts work 00:15:40 Who trusts actually suit 00:18:20 What most investors really need Hit play now to understand the new lending landscape and protect your portfolio from costly mistakes. - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - 👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now: https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025 - ✅About Mark From ALIC✅ Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC. Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages. - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    22 min

  3. 10 FEB

    What 40 Years Of Data PROVES About Property Investing (Is It Too Late?)

    Every generation believes they’ve missed the property market - and every generation is wrong. If you’ve ever asked yourself “Is it too late to invest in property?”, “Have prices already gone too far?” or “What if I buy now and the market goes nowhere for 10 years?” you NEED to hear this episode. In this episode of the No BS Property Investing Podcast, we break down one of the most common (and costly) fears in property investing. The belief that you’ve missed the boat. This fear shows up in every property cycle, for every generation - and yet, long-term data tells a very different story. We’re sharing information on perspective, cycles, and how experienced investors think after seeing multiple booms, downturns, and recoveries. Tune in to discover: ✅The reason why most people never actually get into property investing (even when they can afford it) ✅Why people think they’ve “missed the market” in every decade ✅What history and the data (not thoughts and feelings) tells us about Australian property cycles ✅Why waiting for certainty often costs more than buying at the “wrong time” ✅How experienced investors remove emotion from big financial decisions ✅The surprising and painful cost of doing nothing Key moments: 00:01:00 The fear of buying too late 00:03:20 Why fear beats greed 00:07:00 Perth's 130% growth 00:09:00 40 years of property data 00:12:00 What actually moves a market 00:14:00 Ripehouse's property algorithm 00:16:00 Opportunities still under $400K 00:18:00 Why past results need context 00:21:00 Fear exists in every decade If you've ever talked yourself out of investing because you felt the market had already moved too far, this episode will change how you think about timing, fear, and what "too late" actually means. - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - 👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now: https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025 - 👉Find out more about the Lolli App and create your free account: https://lolli.com.au/ - ✅About Mark From ALIC✅ Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC. Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages. - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    23 min

  4. 5 FEB

    Too Busy To Invest In Property? You NEED To Hear This

    If you’ve been “too busy” to invest in property for the last few years, you’ve likely missed more in growth than you earn in a full year of income. But is it too late now? Nope! The best time to start was in the past... The next best time to start is now. Every January, thousands of Australians promise themselves that this will be the year they finally get serious about property investing. Then work picks up, the kids get busy, and before they know it, January becomes December, and nothing has changed. Today, we’re breaking down why intelligent, capable people delay investing, the true cost of inaction, and how the most successful investors actually build wealth without sacrificing their careers or family life. What You’ll Learn in This Episode ✅What to do first if you want 2026 to be the year you get your first investment property ✅Why busyness is a convenient excuse (and not a real barrier) ✅The opportunity cost of waiting 2 to 4 years to invest in property… this WILL shock you ✅How successful investors delegate instead of trying to do everything themselves ✅Why property can outperform income when used correctly ✅How leverage accelerates wealth faster than saving ever can If you’ve been putting off investing in property for a while - you’ll come away with more clarity and motivation to make this year the year you finally start. Key moments: 00:01:00 The podcast's new direction for 2026 00:02:00 Market update 00:03:00 Unpacking the "too busy" excuse 00:05:00 Productivity vs. busyness and accountability 00:06:00 The income allocation gap 00:07:20 Quitter's Day and kicking the can 00:09:00 The opportunity cost of waiting 00:11:00 How property investors doubled their income 00:12:20 The one trait every successful investor shares 00:13:40 Mark and Julian's number one advice for 2026 Hit play now and find out exactly what it takes to turn thinking into property investing action in 2026. - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - 👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now: https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025 - 👉Find out more about the Lolli App and create your free account: https://lolli.com.au/ - ✅About Mark From ALIC✅ Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC. Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages. - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    18 min

  5. 27 JAN

    APRA Tightens Lending Rules - What It REALLY Means For Property Investors (DTI Explained)

    Planning to invest more in property this year? Borrowing through a trust? You could be on a collision course with new APRA lending caps. In this episode of the No BS Property Investing Podcast, we’re breaking down two MAJOR changes that are shaking up the Australian property investing landscape: 1. APRA’s new Debt-to-Income (DTI) restrictions 2. The crackdown on trust and company lending (including big moves from Macquarie Bank and CBA) Tune in to hear about: ✅What the new APRA DTI rule means in simple terms ✅How debt-to-income ratio caps may affect your borrowing capacity ✅Why trust and company lending is being restricted (and who’s most at risk) ✅What investors using trust structures should be aware of ✅The role of second-tier lenders and non-bank lenders ✅How to future-proof your investment finance strategy ✅The truth about rentvesting, interest-only loans, and the 3% buffer Key moments: 00:01:42 What the DTI rule actually means 00:04:42 The 3% buffer explained 00:06:20 Who should worry 00:09:40 Trust lending shutdown begins 00:12:00 The trust "hack" exposed 00:15:00 Refinancing risks 00:17:40 Non-bank lender options 00:19:40 What about loopholes? 00:21:20 The optimal strategy This episode is essential listening if you’re: • A current or aspiring property investor in Australia • Considering using a trust or company structure for investing • Concerned about your borrowing power or serviceability • Wanting to build a sustainable property portfolio in a shifting lending landscape - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - 👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now: https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025 - ✅About Mark From ALIC✅ Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC. Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages. - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    24 min

  6. 20 JAN

    5 Property Investing Principles Every Australian Investor MUST Know

    What actually separates successful property investors from those who get stuck, overleveraged, or disappointed? This episode breaks down the 5 most critical lessons in property investing. These lessons can either fast-track wealth creation or quietly hold investors back for decades (if ignored). You’ll discover what truly makes the difference when it comes to finance structure, asset selection, mindset, and long-term strategy. Tune in to hear about: ✅ Why defining your why and setting clear goals is the foundation of successful property investing ✅ How poor finance structuring and loan strategy can restrict borrowing capacity and stall your property portfolio for years ✅ Why choosing the right investment property and location beats trying to time the market ✅ The biggest myth in Australian property investing EXPOSED (and what the data really shows) ✅ The importance of building the right property investing team… including an investment-focused broker, accountant, buyer’s advocate, and property manager ✅ Why investor mindset, patience, leverage, and momentum are more important than chasing short-term gains Whether you’re buying your first investment property, scaling a multi-property portfolio, or trying to recover from a poor purchase - this episode will help you understand what actually moves the needle in property investing. Key Moments: 00:02:20 Finding your why and goals 00:05:00 Building your investment team 00:07:20 Asset selection decisions 00:10:40 Property as a business 00:13:00 Long-term mindset thinking 00:15:40 The compounding effect 00:17:20 Five lessons summary Listen now and get the complete five-step framework that's helped investors pay off their homes decades early. - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - 👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now: https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025 - ✅About Mark From ALIC✅ Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC. Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages. - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    19 min

  7. 13 JAN

    The 'Financial Engine' Behind SUCCESSFUL Property Portfolios (rental yield, negative gearing & more)

    Want to understand what actually drives returns in the Australian property market? In this episode of the No BS Property Investing Podcast, we’re sharing the real financial “engine room” behind a strong property portfolio strategy. You’ll hear a range of topics, including: rental yield, borrowing power, cash flow, buffers, negative gearing, and depreciation. This episode is for you if you’re an aspiring property investor looking to avoid stalling their portfolio, improve serviceability, manage risk, and build a plan that holds up over the long term. Tune in to learn: ✅ How rental yield impacts borrowing power (and why small rent differences can have a huge impact) ✅ The surprising situation where chasing higher rent can backfire ✅ The role of cash flow when forecasting investment returns ✅ How to set up buffers and offset accounts to stay in control ✅ Negative gearing explained in simple terms… and when negative gearing becomes dangerous ✅ A simple yet effective way to improve after-tax cash flow ✅ How to think about the next 10 - 15 years of portfolio growth and planning This is a must-watch for understanding how rent, yield, and structure affect your ability to buy again (and build wealth faster). 00:01:40  How Yield Impacts Borrowing Power 00:05:20  When High Earners Chase Growth Over Yield 00:08:00  The Tenant Loyalty Trap 00:11:00  Building Strategic Buffers 00:15:20  Negative Gearing Explained Simply 00:18:40  When Negative Gearing Gets Dangerous 00:20:40  Depreciation Schedules Decoded 00:24:00  Planning Your Next Property Purchase 00:29:00  What The Next Decade Looks Like If you're serious about building a property portfolio that compounds over decades… not one that stalls after the first purchase… hit play now and take notes. - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - 👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now: https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025 - ✅About Mark From ALIC✅ Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC. Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages. - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    33 min

  8. 6 JAN

    Why More Women Are Winning in Property Investing | With Natasha Choi

    Natasha Choi is one of Australia’s Top 100 Mortgage Brokers, has helped over 3,000 clients, and settled more than $500 million in loans. She’s also a property investor, developer, and mother of two. This episode is a must-listen for people, couple, and women looking to get into property investing. Whether you're buying your first investment property, planning your next move after a life transition, or simply want to understand how to approach property investing with confidence - Natasha shares practical insights and empowering advice from the front lines of finance and lending. Key moments: 00:01:00 Top 100 Australian Broker 00:02:20 Male-Dominated Industry 00:04:40 Raising Kids + a Career 00:06:40 How Parenting Made Her Better at Finance 00:09:20 Why Some Clients Request Female Brokers 00:12:00 Becoming Confident 00:17:20 Couples & Investing Alignment 00:18:40 Advice for Women Ready to take control of your financial future? Listen now and discover how to leverage investment properties (even if that feels “out of reach” right now). - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - 👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now: https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025 - ✅About Natasha From ALIC✅ Natasha is a seasoned finance professional with over a decade of experience. She brings a unique perspective to ALIC - leveraging her extensive property portfolio and small-scale development ventures to guide clients towards homeownership and wealth-building strategies. - ✅About Ripehouse Advisory✅ Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns. With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations. - ✅Contact Ripehouse Advisory✅ https://www.ripehouseadvisory.com.au/

    21 min
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About

Welcome to The No B.S. Property Investing podcast (brought to you by Ripehouse Advisory) - where data replaces guesswork and strategy beats speculation. Join your host, Julian Nicolitsis (Head of Strategy at Riphouse Advisory), as we cut through all the property investing fluff and nonsense - bringing you proven strategies helping everyday Australians build legitimate property portfolios.Each episode delivers actionable intelligence on what actually moves the needle.We also expose the costly mistakes that trap first-time investors and share the data patterns that predict sustainable growth. Whether you're comparing rentvesting returns, decoding interest rate impacts, or understanding why most property investors never buy a second property - you'll get the unfiltered, no B.S. truth backed by real numbers.Hit subscribe for data-driven property investing insights and tips that successful investors use. New episodes drop every week.Your first investment property is closer than you think.

Information

  • Creator
    Ripehouse Advisory
  • Years Active
    2025 - 2026
  • Episodes
    23
  • Rating
    Clean
  • Copyright
    © 2026 No B.S. Property Investing
  • Show Website
    No B.S. Property Investing