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. 18h ago

    3 Costly Mistakes Investors Make Before They Buy, From a 10-Property Finance Pro

    Amol Khuntale has spent years helping investors get finance approved. He’s seen what works, what doesn’t, and what quietly destroys a portfolio before it even starts. The problem is, the three biggest mistakes he sees aren’t complicated. They’re obvious, and investors keep making them anyway. In this episode, Arjun Paliwal sits down with Amol, Director and Mortgage Broker at Ask Financials, to unpack the patterns he watches play out across hundreds of portfolios every year. Amol isn’t just observing from the broker’s desk. He owns 10 properties himself, four purchased with InvestorKit that have grown by more than $1.5 million in equity. He shares why his own early Melbourne purchases taught him the hard way, what a $340,000 Brisbane property turned into years later, and how the investors who keep scaling all share one thing in common: they never stop moving. Chapters: 00:00 – His Mate Bought an NDS Property. It Went Wrong. 00:44 – Meet Amol: Finance Pro With 10 Properties 02:05 – What $1.5M in Equity Actually Changed 03:07 – Why He Stopped Investing in Melbourne 03:43 – The Rookie Mistakes He Made First 05:05 – Going Borderless With InvestorKit 06:05 – The Rare Trait That Separates Successful Investors 08:04 – Why the Worst Markets Produce the Best Deals 09:19 – Seeing Hundreds of Deals: What Stands Out 11:28 – The Hidden Power of a Seamless Experience 12:03 – Mistake 1: Overthinking Until the Window Closes 12:45 – Mistake 2: Only Buying What You Can Drive Past 13:01 – Mistake 3: Taking Your Mate’s Word for It 14:16 – What $2M in Equity in Two Years Looks Like 15:42 – Why Structure From Day One Changes Everything 17:01 – Strategy Stripped Back: Three Words That Matter 22:02 – $340K to $850K: The Purchase He Didn’t Expect 24:04 – The One Property He Almost Walked Away From 27:12 – What Happens Inside the Golden Key Room 29:56 – The Loop That Keeps Wealth Moving 🥇🥇🥇 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.

  2. Oct 27

    Made Redundant? Her Backup Plan Built $510K in Equity Across 4 States

    Carrie moved from the UK to Australia with no local investing experience, a “lemon” property back in London, and a deep distrust of relying on a single income. Three years later, she and her partner Chris have built a four-property portfolio across four states and generated more than $510,000 in equity, all while interest rates kept rising. In this episode, Arjun Paliwal sits down with Caroline Shaw, Innovation Manager at Suntory Global Spirits, to unpack what drove her to start investing during one of the toughest rate environments in recent memory. She covers the redundancy that shaped her mindset, why never visiting her properties removed the bias that cost her in the UK, the role a strategist plays behind the scenes, and how a system of dedicated bank accounts keeps lifestyle creep from derailing the plan. Chapters: 00:00 - Why She Needed a Backup Plan 00:38 - Meet Carrie: 4 Properties, 4 States 01:48 - Going Back to 2023: Buying Into Rising Rates 03:41 - From UK Backpacker to Australian Investor 05:50 - Investing in Places You’ve Never Seen 07:51 - Why Work With a Buyer’s Agent 08:30 - First Purchase: Bundaberg and Buying Blind 10:44 - Expanding Across Four States 12:14 - What a Strategist Actually Does 15:38 - Staying Level-Headed Through the Noise 17:14 - Protecting Your Buffers 18:50 - What Is the Goal? 21:26 - The Hidden Cost of Buying a Forever Home 23:51 - Rentvesting: Bondi, Manly and Beyond 28:29 - The Messy Middle of Managing a Portfolio 29:18 - The Bank Account System 32:22 - Wrap-Up and the Golden Key 33:01 - Why October to December Is Buying Season 🥇🥇🥇 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.

  3. Oct 20

    Why You Shouldn't Buy Property in a Trust (The Downsides Most Investors Never Hear)

    There is plenty of content explaining the benefits of buying property in a trust or company, but very few talk about the reasons to avoid it. Jumping into a complex structure without understanding the lending realities can accidentally limit lender options, restrict the ability to pull out equity, and lock investors out of scaling their portfolios. In this episode, Arjun Paliwal (CEO of InvestorKit) sits down with Jack from Fouracre Financial to break down the downsides of complex ownership structures. They cover the steep setup and ongoing costs, why trust lending usually means higher interest rates, and why the exact same bank will treat applicants completely differently in a trust versus a personal name. They also unpack the hidden dangers of buying with siblings or friends—including why banks may hit borrowers with 100% of the debt but only credit them for 50% of the rent—and the specific lender policies that can help those already in that position. Chapters: 0:00 – Same Bank, Different Policy: Personal Name vs Trust 1:35 – Why Set Up a Property Structure in the First Place? 2:36 – The Hidden Setup & Ongoing Costs of Trusts 4:06 – Interest Rate Premiums & Losing Negative Gearing Deductions 7:07 – How Trust Structures Halve Your Bank Options 8:48 – The Loss of Exclusions & Valuations Limits Over the Past Year 11:01 – The Bank Policy Trap on Cash Outs 11:41 – Buying with Siblings & Friends: The Common Debt Reducer Trap 14:32 – Property Share: The Policy That Saves Co-Buyers 🥇🥇🥇 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.

  4. Oct 20

    The Next 3 Months Could Be the Best Time to Buy Property in Years (Here’s Why)

    People don't realise there are three big things about to happen. Listings are coming on and piling up through October and November, then they tank over Christmas as agents go on break and buyers and sellers just want to get it done. Yields are rising, not because rents are booming, but because prices are coming back down. And around every RBA rate rise, buyers get nervous and open homes get quieter. In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) and Jack Fouracre from Fouracre Financial break down what's happening in lending right now and why the next three months could be a buying window you look back on. They cover what a 0.25% rate rise does to your borrowing power, the price war among non-major lenders, how a 40-year loan term changes the way your debt is assessed, and how buffer-based lending can take the pressure off your cash flow. They also cover why business owners use equity buffers rather than paying themselves a bigger wage, and why now is a good time to get pre-approved. Chapters: 0:00 – People Don't Recognise There's 3 Big Things About to Happen 1:51 – Rates Have Risen. What Does 0.25% Do to Your Borrowing Power? 2:47 – The Price War Among Non-Major Lenders 3:52 – Policy Shifts: 40-Year Terms and Interest-Only 4:11 – What Rate Rises Mean for Bigger Portfolios 4:45 – 40-Year Loan Terms: How Your Debt Gets Assessed 6:42 – What Is Buffer-Based Lending? 8:08 – The Maths: $18K a Year vs a $100K Buffer 9:45 – Why Business Owners Use Buffer Lending 10:34 – The ATO Credit Card Backflip 12:59 – Finance Consultation vs Finance Strategy 14:18 – Do Pre-Approvals Still Count When Rates Rise? 15:24 – Big Thing #1: Listings Before Christmas 15:57 – Big Thing #2: Yields Rising as Prices Come Back 16:15 – Big Thing #3: Fewer Buyers Around RBA Rate Rises 16:45 – How Fouracre Financial and InvestorKit Work Together 17:54 – Recap: The Buying Window, Rate Impacts and Bank Price Wars 🥇🥇🥇 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. Oct 6

    From Off-The-Plan Mistakes to a $7M portfolio

    Their first two properties went nowhere. Off-the-plan apartments bought on family advice that produced zero growth and years of frustration. Fast forward to today. Dr Rex Kwan and Melissa Tsui hold a $7M+ portfolio across multiple states with over $2M in equity. They built all of it without visiting a single property. They'd never even met Arjun in person until this recording. In this episode, Arjun Paliwal (CEO of InvestorKit) sits down with Rex and Mel to walk through the full journey. How they went from losing money on their first purchases to rent vesting deliberately, investing in towns Mel had never heard of, and building a portfolio that means they never have to worry about retirement again. Chapters: 0:00 – We've Never Seen Any of the Houses We Bought. We Still Trusted You. 2:45 – $7M Portfolio, $2M in Equity. How Does That Feel? 5:51 – What Inspired Rex to Start Investing 7:13 – The Off-the-Plan Mistake: Family Advice That Didn't Work 10:02 – Mel's Inspiration and Her Own Off-the-Plan Loss 12:02 – Why a Doctor and a Lawyer Still Need a Team 14:43 – The Dream Maker: How the Portfolio Was Built 16:20 – Investing in Towns She Thought Were Made Up 19:18 – The Most Surprising Part of the Portfolio 21:27 – Rent Vesting: The Hack That Made Everything Possible 25:15 – Mel's Top Advice: Start Young and Get Educated 28:13 – Rex's Top Advice: Time in the Market and the Right Team 32:47 – The Checklist: Borrowing, Cash, Cash Flow, Buffer, Plan 🥇🥇🥇 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.

  6. Sep 29

    Finance Strategy Made This Client $1.2M Equity in 12 months

    There's a difference between a broker who gets you approved and a strategist who structures each purchase so the next one is already set up before you've settled the first. In 12 months, one client built $1.2M in equity across 8 properties. None of them were cash flow positive. They didn't need to be. The plan was always to sell down, clear the debt, and reset. In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Corey Goldby, Managing Director at Source Financial. Corey runs both a brokerage and an accounting firm, which means his clients never get stuck between two professionals giving conflicting advice. They cover why second and third tier lenders are more valuable right now than at any other time in history, why 95% low-doc lending just appeared above 80% for the first time in Corey's entire career, why a $200K property gain can shrink to $30K after entry and exit costs, and why the tension between minimising tax and maximising borrowing is the conversation most business owners aren't having honestly enough. Chapters: 0:00 – You Want to Pay Less Tax and Borrow More. You Can't Have Both. 1:23 – What the Word Strategy Actually Means From a Finance View 2:45 – How the Appetite of Investors Has Changed Post-Budget 5:00 – Why Second and Third Tier Lenders Are More Valuable Than Ever 6:37 – Cash Flow Today Won't Be Cash Flow Forever 8:14 – One Client. 8 Properties. $1.2M in Equity. 12 Months. 9:42 – The 11% Transactional Swing Most Investors Don't Calculate 12:14 – The Buffer Strategy: Why You Leave Equity Behind on Purpose 14:08 – Getting Unstuck: Structures, Tiers, and the Lending Loophole Myth 16:46 – Why Your Accountant and Your Broker Need to Be on the Same Page 19:03 – Finance and Tax Under One Roof: Why Alignment Changes Everything 23:16 – You Can't Have Your Cake and Eat It Too: Tax vs Borrowing 24:54 – 95% Low-Doc Lending and What's Changing for Business Owners 🥇🥇🥇 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.

  7. Sep 22

    How Smart Investors Are Buying 3 Properties Instead of 1

    Investment lending has shifted. While most investors were still processing the post-budget borrowing power drop, banks quietly started loosening policy. Rental income shading moved from 80% to 95%. 95% LVR on investment loans went from rare to common. And the borrowing power gap that started at 30% post-budget is now within 10%. In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial to break down what these shifts mean for your next purchase. They walk through how the same deposit that bought one property at 80% LVR can now stretch to two or three at 95%, why buffer matters more than weekly cash flow right now, and why LMI isn't a sunk cost if you refinance within the first year or two. They also cover why Spring 2026 is shaping up as a buying window nobody expected and why rents are tracking $80 a week increases when Treasury modelled $2. Chapters: 0:00 – No One's Coming to Save You. Your Investment Property Journey Is You Saving Yourself. 1:01 – Rental Income Shading: From 80% to 95% and What That Means for Servicing 2:27 – The 30% Borrowing Power Drop Is Now Within 10% 3:18 – 95% LVR on Investment Loans: The New Normal 4:21 – How Far Your Deposit Can Actually Take You Now 6:22 – LMI Refunds: The Money Most Investors Don't Know They Can Claim Back 7:15 – The Market Shift Happening in Spring 2026 8:44 – The 2027 Hockey Stick: What Bank Forecasts Are Telling Everyday Investors 9:02 – Why Buffer Matters More Than Cash Flow Right Now 10:56 – $80 a Week Rent Increase. Treasury Predicted $2. Do the Maths. 11:10 – No One's Coming to Save You. Here's How You Save Yourself. 🥇🥇🥇 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.

  8. Sep 15

    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.

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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
    141
  • Rating
    Clean
  • Copyright
    © The Property Nerds
  • Show Website
    The Property Nerds

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