Defence Property Podcast

Defence Property Podcast
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Welcome to the Defence Property Podcast, the ultimate podcast for current and former Australian Defence Force (ADF) members who are keen on building wealth through property investing. Hosted by Kane Dury from Discover Buyers Agency, an ex-serving member of the Australian Army with 20 years of property investing experience, this podcast is designed to provide you with the knowledge, strategies, and confidence to start and scale your property portfolio.In each episode, we dive deep into topics such as property investing, Australian property markets, finance and mortgage broking, and investment strategies. We also tackle common investing problems and offer practical solutions to help you navigate the complex world of real estate.What sets us apart is our unique perspective and the frequent inclusion of guest speakers, including successful property investors and industry professionals who were previously ADF members. These interviews and case studies provide real-world insights and experiences that you won't find anywhere else.Whether you're an ADF member or simply someone interested in property investment, the Defence Property Podcast has something for you. Our goal is to equip you with the education, knowledge, and tools you need to make informed decisions and achieve your investment goals.Join us on this journey and subscribe to ADF Property Podcast today. You can find us on our website, Instagram, Facebook, and YouTube channel. Stay tuned for new episodes and start transforming your property investment approach now.For more information and updates, follow us on:•[Website] = https://www.discoverbuyersagency.com.au/•[Instagram] = @adf_property_podcast•[YouTube] = @DiscoverBuyersAgency

  1. 4d ago

    Why Starting Early Matters When Building Wealth

    In this episode of the Defence Property Podcast, Kane sits down with Reine from Acquire Wealth Partners to explore the mindset, strategy and behaviours behind building long-term wealth. With more than two decades of experience in financial planning, Reine explains why wealth creation often begins with mindset rather than a specific investment product. They discuss why so many people delay investing, how starting earlier gives compounding more time to work and why property can play an important role during the wealth accumulation phase. The conversation also looks at balancing wealth creation with actually enjoying life, building a trusted team of professionals and staying focused on a long-term strategy when markets, economic events and headlines create uncertainty. Topics covered: • Why building wealth starts with the right mindset • Why people often delay investing until later in life • How your upbringing can influence your relationship with money • Finding a personal reason to start building wealth • Why it’s never too late to change your financial direction • Balancing long-term wealth creation with enjoying life today • How property can fit into a broader financial plan • Why leverage makes property useful during the accumulation phase • Property’s potential limitations when generating retirement income • Why superannuation becomes increasingly important for retirement planning • How compound growth rewards investors who start earlier • The Rule of 72 and understanding how long money can take to double • Why delaying investing can reduce the number of compounding periods available • The importance of building a trusted professional team • Why accountability and human guidance still matter when building a financial plan • How fear and loss aversion can influence investment decisions • Why market sentiment shouldn’t dictate a long-term investment strategy • The difference between being an investor and a trader • Avoiding “get rich quick” strategies and shiny investment opportunities • Why having a plan and staying consistent can matter more than chasing trends Building wealth doesn’t require knowing exactly what the next market move will be. It starts with understanding what you want your future to look like, creating a strategy to get there and giving yourself enough time for that strategy to work. Want help building your own property strategy? Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury Instagram: @discoverbuyersagency

    Why Starting Early Matters When Building Wealth

  2. Sep 2

    Why Hard Assets Matter: Property, Gold & Bitcoin in an Uncertain Economy

    In this episode of the Defence Property Podcast, Kane sits down with Chris Tipper, Chief Economist and Strategist at Ainsley, to unpack the economic forces shaping property, investing and wealth creation in Australia and around the world. With government debt continuing to rise, inflation putting pressure on purchasing power, and policy changes creating uncertainty for investors, Chris explains why understanding hard assets has become increasingly important. The conversation explores property, gold, silver and Bitcoin, and why their apparent long-term growth can partly reflect the declining purchasing power of fiat currencies. Kane and Chris also discuss recent Australian policy changes, the potential flow-on effects for property investors and the broader economy, and why focusing on education and building a diversified portfolio of quality assets may be more productive than reacting to short-term economic headlines. Topics covered: • Why rising global government debt matters for investors • How bond markets influence interest rates • Inflation, currency debasement and declining purchasing power • What makes property, gold, silver and Bitcoin “hard assets” • Why hard assets can help preserve wealth over the long term • Understanding the difference between asset appreciation and currency debasement • How debt can potentially work in an investor’s favour • Why governments may need to keep interest rates constrained • The relationship between inflation, interest rates and property debt • Recent Australian policy changes affecting property investors • The potential economic flow-on effects of changes to property investment rules • Why government intervention can create unintended consequences • Property supply, rental pressures and investor participation • The growing wealth divide between asset owners and non-asset owners • Why economic uncertainty can also create investment opportunities • The importance of education when navigating changing economic conditions • Why building a portfolio of quality assets remains central to long-term wealth creation Periods of economic uncertainty can create plenty of noise, but understanding the underlying forces at work can help investors make more informed decisions. Rather than trying to predict every policy change or market movement, the focus remains on education, quality assets and building a strategy that can withstand different economic cycles. Want help building your own property strategy? Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury  Instagram: @discoverbuyersagency  Interested in learning more from Chris Tipper? You can also follow his economic research and insights through Ainsley.

    Why Hard Assets Matter: Property, Gold & Bitcoin in an Uncertain Economy

  3. Aug 25

    DHOAS, Rentvesting & LMI Making Your Defence Entitlements Work Smarter

    In this episode of the Defence Property Podcast, Kane and Liam unpack some of the biggest questions facing ADF members, reservists and veterans when it comes to property — from DHOAS and Rent Assistance to borrowing capacity, LMI and choosing the right mortgage broker. The conversation explores why your Defence entitlements shouldn't be considered in isolation. Instead, the timing of when and how you use them can form an important part of your broader property strategy. Kane also explains why reservists and veterans may still have access to DHOAS, and why delaying its use can make sense in certain circumstances. They also dive into the impact of interest rate movements on borrowing capacity, why lending policy can matter more than simply chasing the lowest rate, and how paying LMI could sometimes be more effective than spending years saving for a 20% deposit. Topics covered: • How interest rate cuts can affect repayments and borrowing capacity • DHOAS eligibility for ADF reservists and veterans • How Reserve service can continue building DHOAS entitlement • What can happen to DHOAS tiers after leaving Defence • Why medical separation can affect DHOAS differently • Using DHOAS after already owning an investment property • When it may make sense to save DHOAS for your future home • Comparing DHOAS with Defence Rent Assistance • How rentvesting can help Defence members invest outside their posting location • The “supercharged rentvesting” strategy for members with smaller deposits • Why lending policy can matter more than the lowest interest rate • Direct-to-bank lending versus using a mortgage broker • Why finding a broker who understands Defence circumstances matters • Lender’s Mortgage Insurance (LMI) and when paying it may be worthwhile • The opportunity cost of waiting to save a 20% deposit • First home buyer schemes and other pathways into the market • Why local supply and demand should influence where you invest • How building approvals and available housing stock can affect growth potential For Defence members, the best property strategy isn't necessarily about using every entitlement as soon as it becomes available. Understanding how DHOAS, Rent Assistance, lending policy and your future posting plans fit together can help you make more informed decisions about when and where to buy. Want to talk through your own Defence property strategy? We’re here to help. Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury  Instagram: @discoverbuyersagency

    DHOAS, Rentvesting & LMI Making Your Defence Entitlements Work Smarter

  4. Aug 18

    Build Wealth With a Plan, Not Guesswork: Property, Super & Taking Action

    In this episode of the Defence Property Podcast, we sit down with Matt Bazzica from Futurevest to discuss how property fits into a broader financial plan — and why building wealth should start with knowing exactly what you’re working towards. With more than 20 years in financial planning, Matt shares his approach to setting long-term financial goals, working backwards to determine the assets and income required, and using property alongside superannuation and other investments to build wealth over time. We also explore the opportunity cost of waiting too long to invest, why younger Defence members should pay more attention to their super, and how simple budgeting and lifestyle decisions can make a significant difference over the course of a career. Topics covered: • Why every wealth strategy should start with an end goal • How to reverse engineer your financial plan from your desired retirement income • Where property fits within a diversified wealth strategy • How many properties you may need to reach your long-term goals • Why starting young can make building wealth significantly easier • The opportunity cost of waiting for the “perfect” time to invest • Why taking action matters in fast-moving property markets • How property can help generate equity for future purchases • Why young Defence members should pay attention to their superannuation • Growth assets, risk, and making the most of a longer investment timeframe • The role of leverage and compound growth in building wealth • Why your broker, accountant, and financial planner need to work together • Simple budgeting strategies for managing your cash flow • Avoiding lifestyle creep as your Defence income increases • Why knowing your numbers can help you get investment-ready sooner Building wealth isn’t about making one perfect investment decision. It’s about having a clear destination, putting the right strategy around it, and consistently taking action over time. Want help building your own property strategy? Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury  Instagram: @discoverbuyersagency    Interested in building a broader financial plan? You can also connect with Matt and the team at Futurevest.

    Build Wealth With a Plan, Not Guesswork: Property, Super & Taking Action

  5. Aug 11

    DHOAS Changes Explained: What Every Defence Member Needs to Know

    In this episode of the Defence Property Podcast, we break down the Defence Home Ownership Assistance Scheme (DHOAS), how it works, and the potential changes that could reshape the program for Australian Defence Force members and veterans. We explain the DHOAS tier system, how the monthly subsidy is calculated, and why timing your use of the scheme can have a significant impact on your long-term wealth strategy. We also discuss why Rent Assistance can often provide a greater financial benefit during your Defence career, and how careful sequencing of your entitlements may allow you to maximise both. Finally, we explore the expected changes to the DHOAS lender panel, what increased competition could mean for interest rates and lending policies, and why Defence members planning to buy in the near future should keep a close eye on upcoming announcements. Topics covered: • How the Defence Home Ownership Assistance Scheme (DHOAS) works • The three DHOAS tiers and service eligibility requirements • How DHOAS subsidies are calculated and why they change over time • Comparing DHOAS with Defence Rent Assistance benefits • Why sequencing your entitlements can significantly improve long-term outcomes • Delaying DHOAS until after separation from Defence • DHOAS certificate rules every veteran should understand • The benefits of remaining in the Reserves for DHOAS eligibility • The current DHOAS lender panel explained • Why limited lender competition affects Defence borrowers • Potential changes to the DHOAS panel and what they could mean • How more lenders could improve interest rates and lending policies • Why mortgage brokers can become even more valuable under an expanded panel • Should you wait for the new panel or buy now? Understanding DHOAS is about more than knowing you're eligible—it's about using the scheme strategically alongside your other Defence entitlements to achieve the best long-term financial outcome. Want help creating a Defence property strategy that's right for you? Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury  Instagram: @discoverbuyersagency

    DHOAS Changes Explained: What Every Defence Member Needs to Know

  6. Aug 4

    From Defence Engineer to Property Investor: Rob’s Rentvesting Journey

    In this episode of the Defence Property Podcast, we sit down with Rob Campbell, a current Australian Army mechanical engineer, to unpack how he and his wife, Tanya, went from considering a $1.1 million family home to building an investment property portfolio through a strategic rentvesting approach. Rob shares his journey from humble beginnings in Western Sydney to an 18-year Defence career, explaining why he chose to prioritise long-term wealth over buying an expensive owner-occupied home. We also discuss the lessons learned from working with the wrong property company, the importance of surrounding yourself with the right professionals, and how Defence-specific strategies have helped them purchase two investment properties while continuing to rent. If you're serving in the ADF and wondering whether to buy a home, invest first, or make the most of your Defence entitlements, this episode offers practical insights from someone who's recently been through the process. Topics covered: • Rob's journey from Army vehicle mechanic to mechanical engineer • Why buying an expensive family home didn't make financial sense • The benefits of rentvesting for Defence members • Using Defence housing entitlements as part of a long-term strategy • Lessons learned from a poor property investment experience • Why choosing Defence-focused professionals matters • Working with a mortgage broker who understands ADF lending • Purchasing two investment properties while serving • Managing property investing alongside a busy Defence career and family life • Avoiding lifestyle creep after promotions and pay rises • Why DHOAS shouldn't be the only factor in your property decisions • Building long-term wealth instead of chasing short-term tax benefits • The importance of education, planning, and taking action early • Why supply and demand fundamentals matter more than media headlines Rob's story is a reminder that successful property investing isn't about perfect timing—it's about having the right strategy, the right team, and the confidence to take action. Want help building your own property strategy? Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury Instagram: @discoverbuyersagency

    From Defence Engineer to Property Investor: Rob’s Rentvesting Journey

  7. Jul 28

    Which Defence Property Strategy Is Right for You? 6 Client Profiles Explained

    In this episode of the Defence Property Podcast, we break down six of the most common property investment profiles we see among Australian Defence Force members and explain how each strategy can be tailored to your career stage, financial position, and long-term goals. A successful property strategy isn't about following what everyone else is doing. It's about understanding how to make the most of your Defence entitlements, available capital, and future plans. Whether you're just starting your career, building equity, transitioning out of Defence, or chasing a higher-paying civilian role, there's a different pathway that may suit your circumstances. We also explain how Rent Assistance, DHOAS, HPAS, and the First Home Guarantee Scheme can be used strategically to help accelerate long-term wealth creation while avoiding some of the common mistakes Defence members make. Topics covered: • The six most common Defence property investor profiles • How the "Supercharged Rentvester" strategy works • Maximising Rent Assistance and DHOAS together • Using the First Home Guarantee Scheme to buy with a lower deposit • Why the owner-occupier pathway isn't always the strongest strategy • Deliberate rentvesting and investing in higher-growth markets • Building a portfolio using Australia-wide market research • The "Delayed Investor" and leveraging existing equity • How veterans can make smarter use of DVA compensation payments • Avoiding costly financial mistakes after receiving a lump sum • The career-driven professional and balancing income with investing • Opportunity cost and why delaying property decisions can limit long-term growth • How to identify the strategy that best fits your personal goals There’s no one-size-fits-all approach to property investing in Defence. The best strategy is the one that aligns with your circumstances, makes the most of your entitlements, and supports your long-term financial objectives. Want help working out which strategy is right for you? Book a free strategy call with our team. Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury  Instagram: @discoverbuyersagency

    Which Defence Property Strategy Is Right for You? 6 Client Profiles Explained

  8. Jul 21

    Defence Tax Deductions Explained: What You Can (and Can’t) Claim

    In this episode of the Defence Property Podcast, we sit down with Jesse from BBS Tax, a former Australian Army infantry soldier and accountant, to break down the tax deductions available to Defence personnel and property investors. We cover some of the most common questions current serving members ask every tax season, including what expenses are actually deductible, which claims often catch people out, and how to stay compliant with the ATO. We also dive into the tax side of investment properties, explaining depreciation, repairs versus improvements, capital gains implications, and why good record keeping can save you thousands. Whether you're serving full-time, own an investment property, or are planning to buy your first one, this episode will help you better understand how tax works and where many Australians unknowingly make costly mistakes. Topics covered: • Who can claim Defence-related tax deductions (and who can't) • Uniforms, laundry, equipment, watches, and mobile phone claims • What travel expenses are deductible for Defence members • Why gym memberships and workout gear usually aren't claimable • The $300 rule and how depreciation works for larger purchases • What property expenses are immediately deductible • Costs that form part of your property's cost base instead • Understanding depreciation schedules and quantity surveyor reports • Repairs vs capital improvements (and why it matters) • The hidden impact of depreciation on future capital gains tax • Record keeping requirements and how long you need to keep receipts • Common ATO misconceptions and mistakes investors make Good tax planning isn't about claiming everything you can — it's about understanding the rules, keeping accurate records, and making informed decisions that support your long-term financial goals. Want help building your own property strategy? Website: https://www.discoverbuyersagency.com.au/ Facebook: https://www.facebook.com/kanedury Instagram: @discoverbuyersagency Looking for tax advice specific to your situation? Learn more about BBS Tax and seek professional advice before making financial or taxation decisions.

    Defence Tax Deductions Explained: What You Can (and Can’t) Claim
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About

Welcome to the Defence Property Podcast, the ultimate podcast for current and former Australian Defence Force (ADF) members who are keen on building wealth through property investing. Hosted by Kane Dury from Discover Buyers Agency, an ex-serving member of the Australian Army with 20 years of property investing experience, this podcast is designed to provide you with the knowledge, strategies, and confidence to start and scale your property portfolio.In each episode, we dive deep into topics such as property investing, Australian property markets, finance and mortgage broking, and investment strategies. We also tackle common investing problems and offer practical solutions to help you navigate the complex world of real estate.What sets us apart is our unique perspective and the frequent inclusion of guest speakers, including successful property investors and industry professionals who were previously ADF members. These interviews and case studies provide real-world insights and experiences that you won't find anywhere else.Whether you're an ADF member or simply someone interested in property investment, the Defence Property Podcast has something for you. Our goal is to equip you with the education, knowledge, and tools you need to make informed decisions and achieve your investment goals.Join us on this journey and subscribe to ADF Property Podcast today. You can find us on our website, Instagram, Facebook, and YouTube channel. Stay tuned for new episodes and start transforming your property investment approach now.For more information and updates, follow us on:•[Website] = https://www.discoverbuyersagency.com.au/•[Instagram] = @adf_property_podcast•[YouTube] = @DiscoverBuyersAgency

Information

  • Creator
    Defence Property Podcast
  • Years Active
    2024 - 2026
  • Episodes
    54
  • Rating
    Explicit
  • Copyright
    © 2026 Defence Property Podcast
  • Show Website
    Defence Property Podcast