The Property and Lending Podcast

Lee Rosenfeld | Innovative Home Loans
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Welcome to the podcast that takes the mystery out of home loans! Whether you’re a first-time buyer, a seasoned homeowner, or just curious about the ins and outs of mortgages, this podcast has you covered. Join our podcast host Lee Rosenfeld founder, director and broker at Innovative Home Loans as he explores the confusion surrounding mortgages, equity finance & other niche lending uncertainties with industry expert guests and real-life stories. Tune in for practical tips, insider knowledge, and everything you need to make your home loan journey smooth and successful.Your home is a podcast away

  1. 6d ago

    Strata Insurance for First Home Buyers, Landlord Cover & Commercial Property Risks | Guest Lisa Hiscock from Hakea Insurance Broker Part 2

    Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ In this Part 2 episode, Lee Rosenfeld sits down again with insurance broker Lisa Hiscock from Hakea Insurance to unpack the insurance traps and must-know covers for property buyers and investors. Key topics covered include: Strata insurance for first home buyers purchasing units — why you still need your own public liability and contents cover, how to check the body corporate’s building sum insured and valuation date, and what to do if flood cover is missingWhat to look for in building & pest reports (and unapproved structures) before you pay a deposit on a houseLandlord insurance essentials: public liability (and why the claims can run into the tens of millions), tenant default of rent, and damage or theft by tenantsWhy many “set-and-forget” investors leave themselves exposedThe big jump into commercial property — how the tenant’s occupation (tobacconists, medical practices, restaurants, warehouses) completely changes your risk and insurability, specialist equipment, machinery breakdown, and loss of rentPractical tips: when to call a broker (hint: not just at renewal), why comparing price alone is dangerous, and how a good broker helps you make informed decisions instead of flying blindWhether you’re buying your first unit, building a residential portfolio, or stepping into commercial property, this episode is packed with real-world advice that could save you from costly surprises. Guest: Lisa Hiscock – Hakea Insurance Broker https://hakeainsurancebrokers.com/ Host: Lee Rosenfeld – Innovative Home Loans. ⁠⁠https://innovativehomeloans.com.au/our-team/lee-⁠⁠rosenfeld/⁠⁠ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

  2. Aug 25

    Insurance Tips for Property Investors: Avoid Underinsurance, Claims Disasters & Costly Gaps | Guest Lisa Hiscock from Hakea Insurance Broker | Part 1

    > Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ Insurance might feel like something you hope you’ll never need until a storm rips off your roof, a fire hits, or a claim gets denied. In this episode of the Property and Lending Podcast, host Lee Rosenfeld sits down with Lisa Hiscock of Hakea Insurance Broker to unpack the real risks property investors, landlords, business owners and homeowners face. Lisa shares her journey from Lloyd’s of London, where she worked on war and terrorism risks and everything from the Titanic to celebrity policies, through to specialising in commercial and investment property insurance in Australia. They dig into why wear-and-tear and “not built to code” exclusions trip up so many claims, the hidden danger of underinsurance as rebuild costs, materials and labour continue to skyrocket, and why you must regularly update building sums insured, contents (including jewellery and art) and loss-of-rent cover. Lisa explains how a good broker flags risks early, aligns renewal dates across multiple policies, handles claims on your behalf and can access wider markets, including Lloyd’s when Australian insurers won’t touch certain risks. She also offers practical advice on using building-value calculators, getting regular valuations, choosing higher excesses, adding flood or cyclone protections and considering emerging covers like cyber insurance. The conversation also looks at why premiums are rising, driven by inflation and the increasing frequency of severe weather events, and why the right insurance (and the right broker) protects far more than just a building. Whether you own a family home, residential investments, commercial property or run a business, this episode shows why proper cover matters before the next claim hits. Guest: Lisa Hiscock – Hakea Insurance Broker https://hakeainsurancebrokers.com/ Host: Lee Rosenfeld – Innovative Home Loans. ⁠⁠https://innovativehomeloans.com.au/our-team/lee-⁠⁠rosenfeld/⁠⁠ ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

  3. Jul 28

    Property Investing in 2026: Rentvesting, Super Funds, Market Predictions & Building Wealth | Guest Matt Sharp from Sharp Property Buyers | Part 2

    > Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ In Part Two of our conversation with Matt Sharp, founder and director of Sharp Property Buyers and PIPA’s National Property Investment Advisor of the Year, we continue our deep dive into property investing, rentvesting and building long-term wealth in Australia. Matt and Lee discuss what first-time investors need to know before entering the property market, the importance of education and research, and why having the right team of professionals around you can make all the difference. We explore rentvesting, why it’s becoming increasingly popular for first-home buyers, and how investors can approach purchasing property outside their local market. Matt also shares his thoughts on the 2026 Australian property market, including interest rates, population growth, housing supply, property prices and capital growth. The conversation also covers self-managed super funds (SMSFs), investment property strategy, borrowing capacity and long-term planning, as well as the risks of following property advice on social media or chasing market trends. Whether you're a first-home buyer, rentvestor or experienced property investor, this episode offers practical insights into building a property portfolio, choosing the right investment strategy and making informed decisions for long-term wealth creation. Lee Rosenfeld | Innovative Home Loans ⁠⁠https://innovativehomeloans.com.au/our-team/lee-⁠⁠rosenfeld/⁠⁠ Matt Sharp | Sharp Property Buyers ⁠https://sharpproperty.com.au/⁠ ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

  4. Jun 30

    How to Build Wealth Through Property Investing with an Award-Winning Buyer’s Agent | Guest Matt Sharp from Sharp Property Buyers | Part 1

    > Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ In this episode, we sit down with Matt Sharp, founder and director of Sharp Property Buyers, award-winning buyer’s agent, and recipient of the Property Investment Professionals of Australia (PIPA) National Property Investment Advisor of the Year award. With years of experience helping Australians build wealth through strategic property investing, Matt has established himself as one of the most respected voices in the property industry. Matt shares his personal journey from growing up in a family that rented homes to becoming a successful property investor and business owner. Starting with a simple goal of saving $100 per week, he developed a deep passion for real estate, purchased his first property in his twenties, and eventually left a secure corporate career to launch Sharp Property. Today, he continues to build his own portfolio while helping clients navigate the often-complex world of property investment. Throughout the conversation, Matt provides valuable insights into what makes a strong investment property, why quality research and education matter, and how investors can avoid common mistakes when building a portfolio. He also discusses the realities of property ownership, the importance of having the right team around you, and why a long-term strategy is essential for creating sustainable wealth. We also dive into the evolving buyer’s agent industry, the role of PIPA in promoting ethical and independent property advice, and what investors should look for when choosing a buyer’s agent. Matt offers an honest perspective on off-market opportunities, portfolio diversification, market cycles, and the importance of making informed decisions rather than chasing trends. Whether you're preparing to purchase your first investment property, looking to expand your portfolio, or simply wanting a better understanding of the Australian property market, this episode delivers practical advice, real-world experience, and valuable lessons from someone who lives and breathes property investing. Lee Rosenfeld | Innovative Home Loans ⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠ Matt Sharp | Sharp Property Buyers  https://sharpproperty.com.au/ ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

  5. Jun 2

    Sydney vs Central Coast Property Investing | Hidden Risks, Growth Hotspots & Buyers Agent Tips | Guest Mitch Keen from Keen Acquisitions | Part 2

    > Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ In this episode of the Property & Lending Podcast, host Lee Rosenfeld from Innovative Home Loans sits down with Mitch Keen from Keen Acquisitions to break down the realities of buying property in Sydney, the Central Coast, and emerging Australian investment markets. Mitch shares insider insights into what buyers and investors often miss when purchasing property outside their local area, including flood risks, growth pockets, infrastructure opportunities, zoning changes, and the importance of understanding local market dynamics before making a purchase. The conversation dives deep into the differences between Sydney and Central Coast property investing, why lifestyle locations continue to attract buyers, and how smart investors identify suburbs with strong long-term capital growth potential. They also discuss the rise of interstate investing, positive cash flow opportunities, duplex developments, and why having the right team around you — including a buyer's agent, mortgage broker, accountant, conveyancer, and financial planner — can save you thousands. Whether you’re a first home buyer, experienced investor, or looking to grow your portfolio through SMSF or interstate property investing, this episode is packed with practical finance, mortgage broking, and property investment advice to help you make smarter decisions in any Australian market. In this episode, we cover property investing strategies, buyer's agent tips, mortgage broking insights, interstate property investing, SMSF property purchases, capital growth vs rental yield, property development opportunities, and how to avoid costly mistakes when buying real estate. Lee Rosenfeld | Innovative Home Loans ⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠ Mitch Keen | Keen Acquisitions  https://www.keenacquisitions.com.au/mitch-bio-1 ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

  6. May 5

    How to Buy Property Without Overpaying | Insider Tips to Win in Any Australian Market | Guest Mitch Keen from Keen Acquisitions | Part 1

    > Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ In Part 1 of this episode, host Lee Rosenfeld from Innovative Home Loans sits down with buyers agent Mitch Keen from Keen Acquisitions to break down how to buy property without overpaying in today’s competitive Australian market. Mitch shares his journey from a long-term career in television to building a successful buyers agency, offering a real and honest look at what it takes to step away from stability and pursue a new path in property. His experience highlights the importance of playing the long game, building relationships, and developing the confidence to make high-stakes decisions in a fast-moving industry. This conversation dives into the biggest mistakes buyers make when entering the market, particularly around relying on price guides, letting emotion drive decisions, and navigating high-pressure auction environments. Lee and Mitch unpack how buyers can approach property with a clear strategy, understand true market value, and avoid the common traps that often lead to overpaying. They also explore the growing demand across areas like the Central Coast, with more Sydney buyers relocating for lifestyle and affordability, and what that shift means for first home buyers, families, and investors trying to get into the market. The episode highlights the real value a buyers agent can bring, from accessing off-market opportunities to negotiating effectively and knowing when to walk away from the wrong deal. If you're looking to buy your first home, upgrade, or invest, this episode offers practical, real-world insights to help you make smarter property decisions and navigate the market with confidence.  If you enjoyed today's episode make sure you follow ‘The Property and Lending Podcast’ to be notified when part 2 is uploaded.  Lee Rosenfeld | Innovative Home Loans ⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠ Mitch Keen | Keen Acquisitions  https://www.keenacquisitions.com.au/mitch-bio-1 ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

  7. Apr 7

    Why Commercial Property Beats Residential? Buyers Agent & Mortgage Broker Explain | Guest Steve Palise from Palise Property | Part 2

    > Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ In this episode, we continue the conversation with guest Steve Palise from Palise Property, diving deeper into the real strategies behind building wealth through property. This discussion breaks down the key differences between commercial and residential investing, helping you understand when each approach makes sense based on your financial goals, risk profile, and borrowing capacity. Lee Rosenfeld the host, and Director of Innovative Home Loans explains how buyers agents' actually assess deals, from yield versus capital growth to lease length, tenant quality, and long-term asset selection.  Steve explains the truth about net vs gross yield, why commercial property can deliver significantly higher cashflow, and the common misconceptions investors have when comparing it to residential property. You’ll also learn how mortgage brokers and lending strategies play a critical role in shaping your property journey, including how borrowing capacity, leverage, and finance structures impact your ability to scale a portfolio. The episode further explores self-managed super funds (SMSFs), rentvesting, and how to align your investment strategy with both financial outcomes and lifestyle goals. This episode is a must listen for anyone working with a buyers agent, considering commercial property, or looking to better understand how money, lending, and property strategy all connect to build long-term wealth. Lee Rosenfeld | Innovative Home Loans ⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠ Steve Palise | Palise Property  https://www.paliseproperty.com/ ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

  8. Mar 10

    Buyers Agent Secrets: Property Investing, Passive Income & Mortgage Strategy | Guest Steve Palise from Palise Property | Part 1

    > Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠ In this episode, Lee Rosenfeld from Innovative Home Loans sits down with property expert and buyers agent Steve Palise from Palise Property to break down the real strategies behind building wealth through property. From residential investing to commercial property opportunities, Steve shares how he built his own portfolio and went on to complete thousands of property acquisitions for clients. Lee and Steve discuss the key differences between residential and commercial property investing, including cash flow, leverage, lending restrictions and long-term capital growth. Steve explains why many investors start with residential property but later move into commercial assets to increase passive income and accelerate their financial goals. The conversation also explores how to set realistic wealth targets, the role a buyer's agent can play in building a portfolio, and how mortgage strategy and borrowing capacity can shape your property journey. If you’re interested in property investing, working with a buyers agent, or building long-term passive income through property, this episode is packed with practical insights. If you enjoy this episode make sure you hit follow because this is a two part series.  Lee Rosenfeld | Innovative Home Loans ⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠ Steve Palise | Palise Property  https://www.paliseproperty.com/ ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

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About

Welcome to the podcast that takes the mystery out of home loans! Whether you’re a first-time buyer, a seasoned homeowner, or just curious about the ins and outs of mortgages, this podcast has you covered. Join our podcast host Lee Rosenfeld founder, director and broker at Innovative Home Loans as he explores the confusion surrounding mortgages, equity finance & other niche lending uncertainties with industry expert guests and real-life stories. Tune in for practical tips, insider knowledge, and everything you need to make your home loan journey smooth and successful.Your home is a podcast away

Information

  • Creator
    Lee Rosenfeld | Innovative Home Loans
  • Years Active
    2025 - 2026
  • Episodes
    39
  • Rating
    Clean
  • Copyright
    © Lee Rosenfeld | Innovative Home Loans
  • Show Website
    The Property and Lending Podcast