The Buy-In

Sevenfold Property Group
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  • Investing
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Welcome to The Buy-In, a podcast about everything property from Sevenfold Property Group. Join Trent Cripps and Simon Podger as they share strategies, insights, and behind-the-scenes knowledge from decades in property and finance. From first-time investors to seasoned professionals, gain clarity and confidence to make smarter property decisions. Disclaimer: sevenfoldproperty.com.au/disclaimer

Episodes

  1. Jun 24

    The Budget Fallout: Strategy Over Headlines

    Since the Federal Budget announcement, there’s been no shortage of headlines, hot takes, and uncertainty. In this special edition of The Buy In, Trent Cripps and Simon Podger are joined by Gareth Croy and Bodie Simpson from Your Future Strategy to unpack the proposed tax changes, what they could mean for investors, business owners, and everyday Australians, and why strategy matters more than ever in uncertain times. From negative gearing and capital gains tax to lending impacts, trust structures, superannuation, and housing supply, this conversation focuses on what you need to know about the new Federal Budget.   Topics covered: •  The proposed changes to negative gearing, CGT, and discretionary trusts •  Why investor confidence and consumer sentiment have taken a hit •  How lenders have responded before legislation has even passed •  Potential impacts on borrowing capacity and investment strategies •  Housing supply, rental shortages, and whether the reforms could have unintended consequences •  The role of superannuation, self-managed super funds, and alternative investment structures •  Why tax should never be the strategy •  Opportunities that can emerge during periods of uncertainty •  The importance of long-term thinking and getting the right advice   Connect with the experts: Gareth Croy: https://www.linkedin.com/in/garethcroy/ Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/ Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/ Bodie Simpson: https://www.linkedin.com/in/bodie-simpson-938a44134/   Get in touch: Instagram: https://www.instagram.com/sevenfoldproperty/ LinkedIn: https://www.linkedin.com/company/sevenfoldproperty YouTube: https://www.youtube.com/@SevenfoldPropertyGroup Email: hello@sevenfoldproperty.com.au   Learn more: Sevenfold Property: https://www.sevenfoldproperty.com.au/ Your Future Strategy: https://yourfuturestrategy.com.au/   This episode was recorded while the proposed Federal Budget measures were still subject to legislative approval and ongoing amendments. The discussion reflects information available at the time of recording and should not be considered personal financial, taxation, legal, or investment advice.   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    1h 1m

  2. Mar 1

    The Hidden Lending Traps in Property Investing

    Not all investment properties are created equal and neither are the lending rules behind them. In the first episode of 2026, Trent and Simon unpack the different types of property investments that fall outside the “standard” house or townhouse and what you need to know before jumping in. From studio apartments and dual key setups to NDIS properties, rooming accommodation, rural lifestyle blocks, land banking, Airbnb and more, this episode dives into how lenders assess these specialised securities, where deposits can increase, why borrowing options narrow and the risks many investors do not consider. If you are tempted by high yields or trending strategies, this is a must listen before you commit. Topics Covered: Studio apartments under 40sqm and why lenders reduce LVRs and limit optionsDual key properties, specialised security and cross collateralisation trapsNDIS investments, lender appetite, policy risk and resale pool concernsRooming accommodation or HMO, multi tenant servicing treatment and due diligenceRural and lifestyle properties and why some major banks are more flexible than othersPostcode and high rise restrictions and how lender exposure limits workLand banking and servicing challenges without rental incomeAirbnb and how lenders treat short term income plus regulatory risks to watch Connect with Trent & Simon: Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/ Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/ Get in touch: Instagram: https://www.instagram.com/sevenfoldproperty/ LinkedIn: https://www.linkedin.com/company/sevenfoldproperty YouTube: https://www.youtube.com/@SevenfoldPropertyGroup Email: hello@sevenfoldproperty.com.au Learn more: Sevenfold Property: https://www.sevenfoldproperty.com.au/ Your Future Strategy: https://yourfuturestrategy.com.au/ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    28 min

  3. Feb 1

    The 5% Deposit Scheme Explained: What First Home Buyers Need to Know

    The 5% Deposit Scheme in the spotlight – and could it help you get into the property market? Trent and Simon break down the First Home Guarantee (5% Deposit Scheme), explaining how it works, what’s changed, and who it really benefits. From higher price caps and unlimited places to the real-world risks around affordability and mortgage stress, this episode delivers practical, on-the-ground insights from property and lending experts . Topics covered: What the 5% Deposit Scheme actually is (and why it’s not new)  Key changes in 2025/2026: removal of income caps, unlimited places, higher property price limits  How the government guarantee replaces LMI and impacts interest rates  Who’s eligible (including single parents and non-first-home buyers)  The reality of affordability, compromise, and why your first home doesn’t need to be your forever home  Risks to watch: mortgage stress, servicing limits, and rising prices under capped schemes  Considerations for self-employed buyers and non-PAYG income  Connect with Trent & Simon: Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/ Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/ Get in touch: Instagram: https://www.instagram.com/sevenfoldproperty/ LinkedIn: https://www.linkedin.com/company/sevenfoldproperty YouTube: https://www.youtube.com/@SevenfoldPropertyGroup Email: hello@sevenfoldproperty.com.au Learn more: Sevenfold Property: https://www.sevenfoldproperty.com.au/ Your Future Strategy: https://yourfuturestrategy.com.au/ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    28 min

  4. Jan 15

    SMSF Property, Explained: Rules, Lending & Strategy (with Gareth Croy)

    Why do so many SMSFs buy property - and what are the rules you can’t afford to miss? Trent and Simon continue the SMSF series with Gareth Croy (Your Future Strategy), diving into how property fits inside super, from growth math to borrowing structures and compliance traps. Topics Covered: Why property in super: leverage, compounding growth, and tax-free gains in pension phase Diversification & liquidity: not putting all eggs in one basket, smoothing returns, cash buffers What’s allowed: repairs vs improvements, Related-party rules: no private use/letting; commercial property exceptions on market terms Connect with Trent & Simon: Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Gareth Croy: https://www.linkedin.com/in/garethcroy/   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    27 min

  5. Jan 1

    SMSFs 101: Control, Strategy & Compliance (with Gareth Croy, Your Future Strategy)

    Thinking about a self-managed super fund? Trent and Simon sit down with Gareth Croy (Managing Director, Your Future Strategy) to unpack what an SMSF is, why people set one up, and how to decide if it fits your retirement strategy. From control and tax planning to trustees, members and audits—this is your clear, practical primer. Topics Covered: What an SMSF is: members, trustees, corporate vs individual trustee, lender preferences Roles & duties: investment strategy, risk, liquidity, insurance, the sole-purpose test Setup & costs: trust deed, ABN/TFN, rollovers, bank accounts, fixed vs percentage fees. Connect with Trent & Simon: Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Gareth Croy: https://www.linkedin.com/in/garethcroy/   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    30 min

  6. 12/18/2025

    Conveyancing 101: Contracts, Clauses & Common Pitfalls (with Lisa Croy, Croy Legal)

    Conveyancing shouldn’t be an afterthought. In this episode of The Buy-In, Trent and Simon are joined by Lisa Croy (Principal, Croy Legal) to unpack the legal must-knows before you sign. From adding a solicitor-review clause to avoiding costly contract traps, Lisa explains how to protect yourself at every step. Topics Covered: When to involve a solicitor (hint: before you sign) and solicitor vs. conveyancer Contract pitfalls: deposit timing/bank limits, “subject to sale” traps, entity names, nominee clauses Ownership structure: joint tenants vs tenants in common (and why it matters) Connect with Trent & Simon: Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Lisa Croy: https://www.linkedin.com/in/lisa-croy-53359222b/   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    39 min

  7. 12/04/2025

    Negative Gearing, Depreciation & Cash Flow - Using Tax Settings Without Getting Burned (with Bodie Simpson)

    Negative gearing gets a lot of headlines - but how does it actually work, who benefits, and where can investors come unstuck? In this episode of The Buy-In, Trent and Simon welcome back Bodie Simpson, Director of Accounting at Your Future Strategy, to demystify negative gearing and its close cousins: depreciation schedules, PAYG variations, and interest deductibility on new builds. They dig into strategy first (growth and cash flow), tax second - so you’re not chasing refunds at the expense of returns. Topics Covered: What negative gearing is (and isn’t) - and why it generally suits higher-income earners Cash flow pitfalls, PAYG variations, and discipline vs. big tax-time cheques New builds: claiming construction interest (and when to amend past returns) Connect with Trent & Simon: Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Bodie Simpson: https://www.linkedin.com/in/bodie-simpson-938a44134/   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    30 min

  8. 11/20/2025

    Capital Gains & Divesting Property - What Every Investor Should Know (with Bodie Simpson)

    When it’s time to sell an investment property, timing and structure matter just as much as the purchase itself. In this episode of The Buy-In, Trent and Simon are joined by special guest Bodie Simpson, Director of Accounting at Your Future Strategy, to unpack the key considerations around divesting property, capital gains tax (CGT), and entity structuring. Topics Covered: How to prepare your lending and banking for a property sale Choosing the right ownership structure from the start Why record keeping and professional advice are essential Connect with Trent & Simon: Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    32 min

  9. 11/06/2025

    One Premium Property or Two Solid Investments?

    Welcome to The Buy-In, where we unpack everything property - from strategy to lending and everything in between. In this episode, Sevenfold Property Group’s Director of Property Strategy Trent Cripps and Director of Lending at Your Future Strategy Simon Podger tackle a common investor question: is it smarter to buy one higher-value property, or two mid-priced assets? They compare diversification, vacancy risk, yields, LMI and cash-flow impacts, and how loan structuring (avoiding cross-collateralisation) and equity recycling affect your ability to keep growing. They also cover land-tax considerations, tenant profiles, and how time horizon and risk tolerance should shape the call. Whether you’re early in your journey or optimising a growing portfolio, this episode helps you align asset selection with strategy - not headlines. Topics Covered Diversification vs concentration: risk, yield and vacancy dynamics Lending structure, LMI, equity access and serviceability Time horizon, tax (incl. land tax) and exit/liquidity planningConnect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    27 min

  10. 10/30/2025

    Regional vs CBD: Where Should You Invest?

    Welcome to The Buy-In, the podcast where we unpack everything property - from strategy to lending and everything in between. In this episode, Sevenfold Property Group’s Director of Property Strategy Trent Cripps and Director of Lending at Your Future Strategy Simon Podger explore how the pandemic reshaped Australia’s property map - and what it means for investors choosing between regional and city markets. They unpack how lifestyle shifts, hybrid work models, and supply-demand pressures are driving new opportunities across regional Australia. Plus, they discuss why fundamentals still matter, the risks of mining towns, and how to use smart lending strategies like debt recycling to fund long-term growth. Whether you’re investing in coastal lifestyle regions or capital city suburbs, this episode will help you build a balanced portfolio with strategy and foresight. Topics Covered:Regional growth vs CBD performanceThe impact of remote work and lifestyle shiftsHow a lending strategy (like debt recycling) accelerates portfolio growthConnect with Trent & Simon: Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    30 min

  11. 10/23/2025

    Units vs Houses: Which Makes the Better Investment?

    Welcome to The Buy-In, the podcast where we unpack everything property - from strategy to lending and everything in between. In this episode, Sevenfold Property Group’s Director of Property Strategy, Trent Cripps, and Director of Lending at Your Future Strategy, Simon Podger, tackle one of the most debated topics in real estate: Units vs. Houses. They break down the long-term performance of land appreciation versus unit supply, explore how lifestyle shifts and lending realities are reshaping the market, and discuss the key opportunities and risks that every investor should understand before choosing their next asset. Whether you’re weighing up your first investment or managing a growing portfolio, this episode will help you see where real value lies - and how to make your property decisions with confidence. Topics Covered: Long-term performance: Land appreciation vs. unit supply.Shifting lifestyles, lending realities, and market pressures.Opportunities and risks in the unit market Connect with Trent & Simon: Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠ Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠   Get In Touch: Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠ YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠ Email: ⁠hello@sevenfoldproperty.com.au⁠   Learn more: Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠ Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠ Want to get involved? Reach out to us onInstagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    28 min

  12. 10/17/2025

    The Property Clock

    Welcome to The Buy-In, the podcast where we unpack everything property - from strategy to lending and everything in between. In this episode, Sevenfold Property Group’s Director of Property Strategy, Trent Cripps, and Director of Lending at Your Future Strategy, Simon Podger, explore how investors can use the property clock to make smarter decisions. They break down what the clock represents, why every market across Australia moves differently, and how economic shifts - such as interest rate changes and global events - can accelerate or slow down those cycles. Whether you’re a seasoned investor or just starting to build your portfolio, this episode helps you understand when to buy, when to hold, and how to position your portfolio for the next wave of growth. Topics Covered: The Property Clock is a framework, not a forecastTiming matters, but strategy matters moreDiversification and lending strategy create stabilityConnect with Trent & Simon: Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/ Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/ Get In Touch: Instagram: https://www.instagram.com/sevenfoldproperty/ LinkedIn: https://www.linkedin.com/company/sevenfoldproperty YouTube: https://www.youtube.com/@SevenfoldPropertyGroup Email: hello@sevenfoldproperty.com.au Learn more: Sevenfold Property: https://www.sevenfoldproperty.com.au/ Your Future Strategy: https://yourfuturestrategy.com.au/ Want to get involved? Reach out to us on Instagram: https://www.instagram.com/sevenfoldproperty/   Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

    33 min
  • 12 Episodes

About

Welcome to The Buy-In, a podcast about everything property from Sevenfold Property Group. Join Trent Cripps and Simon Podger as they share strategies, insights, and behind-the-scenes knowledge from decades in property and finance. From first-time investors to seasoned professionals, gain clarity and confidence to make smarter property decisions. Disclaimer: sevenfoldproperty.com.au/disclaimer

Information

  • Creator
    Sevenfold Property Group
  • Years Active
    2025 - 2026
  • Episodes
    12
  • Rating
    Clean
  • Copyright
    © Sevenfold Property Group
  • Show Website
    The Buy-In