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. 5D AGO

    Buyer's Agents: Worth It or Waste of Money? (An Honest Look)

    Buying an investment property in Australia? Before you decide whether to use a buyer's agent, you need to hear this. Most property buyers walk into negotiations completely unrepresented, whilst the seller has a professional real estate agent fighting to get the highest price possible. That imbalance can cost you thousands (or MUCH more). In this episode of the No BS Property Investing Podcast, we’re breaking down what a buyer’s agent actually does, who should use one, and whether it’s worth it for your situation. Tune in to discover: ✅The truth about real estate agents (and who they really work for) ✅What a buyer’s agent actually does behind the scenes ✅Why most property buyers are at a disadvantage ✅Do you need a buyer's agent? Who should use one and who shouldn't ✅The biggest mistakes people make when buying property ✅Red flags to watch out for when choosing a buyer’s agent Because the difference between buying right and buying wrong isn’t luck… It’s strategy, negotiation, and having the right people in your corner. And most buyers get this part completely wrong. Key moments: 00:00:00 Intro 00:01:00 Real estate agents 00:03:40 What buyer's agents actually solve 00:05:40 Day-to-day of a buyer's agent 00:08:00 What happens after the offer 00:11:00 Who should use a buyer's agent 00:14:00 The 1% better principle 00:15:20 Who should NOT use one 00:18:00 What to look for  00:21:00 Red flags to run from Whether you're a first home buyer, a seasoned investor, or someone who's been scrolling realestate.com.au after the kids go to bed… Hit play now and find out if you've been leaving money on the table every time you buy. - 👉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 - 👉Get In Touch With ALIC https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up - ✅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/

    25 min

  2. MAR 24

    The "Boring" Property Investing Strategy That Builds Wealth in Every Cycle

    Every year, the headlines scream the same thing: “Crash coming”, “Hotspot revealed”, “Wait or buy?”... but the investors quietly building real wealth aren’t listening to the noise. In this episode, we’re breaking down what successful property investors in Australia are actually doing in 2026 - and more importantly, what they’re NOT doing. If you’ve been waiting for the “perfect time” or you’re stuck consuming endless property content without taking action, this conversation will challenge how you think about investing. Tune in to discover ✅What’s actually changed in the 2026 property market ✅How smart investors prepare BEFORE buying (not after) ✅The truth about borrowing capacity, lending changes, and rate rises ✅What really causes most investors to fail ✅How to build a 10-year property portfolio strategy ✅Why having the right team (broker, buyer’s agent, accountant) is critical Key moments: 00:00:00 Intro 00:01:00 Discipline Over Prediction 00:02:00 Lending Changes in 2026 00:03:00 Supply and Demand Fundamentals 00:04:20 What Disciplined Investors Know 00:06:00 Getting Fully Assessed Approvals 00:07:20 Strategic Planning 00:08:40 What Successful Investors Avoid 00:10:00 Stop Waiting for a Crash 00:11:20 Why DIY Research Backfires 00:12:00 The 2036 Wealth Blueprint 00:13:20 Boring Consistency Wins Hit play now - your future portfolio will thank you. - 👉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/

    16 min

  3. MAR 17

    SMSF Property Investing Explained (Buying Property With Super)

    Self-Managed Super Funds are booming in Australia, and more investors than ever are buying property inside their super. But before you jump into SMSF property investing, you need to understand the rules, risks, and strategies on a deeper level. In this episode, we’re breaking down exactly when buying property through an SMSF makes sense - and when it’s a costly mistake (as always, seek personalised & professional advice before making any investment decisions). This episode cuts through the noise and explains how SMSF property really works in Australia. From borrowing structures and deposits to the biggest traps investors fall into. What You'll Learn in This Episode: ✅ Why Self-Managed Super Funds are surging in Australia ✅ How SMSF property loans actually work ✅ The deposit requirements and borrowing rules for buying property in super ✅ The tax advantages of SMSF property investing ✅ Why most major banks have exited the SMSF lending market ✅ The biggest mistakes investors make with SMSF property ✅ Why asset selection is the most important factor in your super performance ✅ The dangers of developer stock, house & land packages, and off-the-plan apartments ✅ Why you should avoid “one-stop shop” SMSF property schemes Key moments: 00:00:00 Intro 00:01:00 The SMSF surge 00:03:30 Lending complexity 00:04:35 Separate borrowing capacity 00:07:15 Control and transparency 00:09:00 Restrictions inside super 00:10:40 Renovation and development limits 00:12:15 Tax advantages 00:14:15 Liquidity buffer requirements 00:15:35 Dangers of over-leveraging 00:17:00 Cowboy decisions and crypto 00:17:35 One-stop-shop operators exposed 00:19:00 Why apartments and house-and-land fail in super 00:21:20 Making the final decision 00:23:40 Stress testing your numbers 00:25:40 The no-BS takeaway If you’re considering buying property inside your super this episode gives you the breakdown of what works, what doesn’t, and how to protect your retirement - listen 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 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/

    28 min

  4. MAR 10

    CGT Discount Changes: What Property Investors MUST Know (About Capital Gains Tax Discount)

    Every property investor in Australia just got a wake-up call...  the capital gains tax discount is under threat again. In this episode, we break down the latest discussion around the capital gains tax (CGT) discount in Australia, what it could mean for property investors, and why reacting to headlines could be one of the biggest wealth mistakes everyday Australians make. If you’re a property investor or aspiring property investor trying to build long-term wealth - we unpack whether changes to the CGT discount would really lower house prices. We also explore how changes could affect rental supply and why many investors may simply hold property longer rather than sell. Most importantly, we explain the one thing that can cost you more than any potential tax change. In this video, we cover: ✅What the capital gains tax discount currently is in Australia ✅Whether there is any legislated CGT change right now ✅How CGT changes could affect property investors and long-term returns ✅Whether removing the CGT discount would actually reduce house prices ✅The likely impact on rental supply, investor behaviour, and housing stock ✅What everyday Australians should focus on instead of tax-policy panic Key moments: 00:00:00 Intro 00:01:00 CGT Rumors Explained 00:02:40 What's Actually Being Discussed 00:04:00 Why CGT Discount Matters 00:05:40 Impact on Investor Returns 00:07:00 Sophisticated vs Average Investors 00:08:00 The Cane Toad Effect 00:08:40 Public Housing vs Private Stock 00:09:40 Will Prices Actually Drop? 00:11:20 Structure Over Tax Obsession 00:13:00 Real Risk for Families 00:15:00 No BS Takeaway We also unpack the real numbers behind a potential CGT shift and how these numbers will impact investors. - 👉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/

    17 min

  5. MAR 5

    What Interest Rate Rises Actually Mean for Property Investors

    Interest rates are rising again! But does that actually change anything for property investors? Every time the RBA announces a rate rise, headlines explode, and the property market conversation goes into panic mode. In this episode, we break down what interest rate rises really mean for property investors. More importantly, we explain why experienced investors often see rate cycles as opportunity, not risk - and what those opportunities actually are. If you’re wondering whether now is the right time to invest in property, this conversation will help you cut through the headlines and focus on what actually matters. Tune in to discover: ✅ Do interest rate rises actually impact property prices? ✅ How borrowing power changes when interest rates increase ✅ Why experienced investors often buy during uncertainty ✅ The relationship between interest rates, rent growth, and supply shortages ✅ Which parts of the property market are most affected by rate rises ✅ The biggest mistakes investors make during rate cycles ✅ How to structure your finances so rate rises don’t derail your strategy Key moments: 00:00:00 Intro 00:01:00 Rate rises and the noise 00:02:00 Fundamentals haven't changed 00:04:20 Markets most affected 00:06:40 Bad for investors or not? 00:08:40 Rents when rates rise 00:11:20 Biggest rate cycle mistakes 00:13:40 The panic sell trap 00:15:00 What fence-sitters must do - 👉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

  6. FEB 24

    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

  7. FEB 17

    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

  8. FEB 10

    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
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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
    28
  • Rating
    Explicit
  • Copyright
    © 2026 No B.S. Property Investing
  • Show Website
    No B.S. Property Investing

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