The Property Mindset

Matthew Curle
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  • Investing

The Property Mindset explores the strategies, systems, and real-world decisions that help Australians build lasting wealth through property. Hosted by Matt Curle from Shore Financial in Sydney, the podcast uncovers how property strategies are structured, financed, and executed in the real world — and how early decisions around debt, ownership, and asset selection compound over time. Drawing on a background in construction before transitioning into mortgage broking, Matt approaches property from both sides of the equation: how value is created, and how it’s funded. Joined regularly by Julian Nicolitsis, Co-Founder of Prop Moves Australia, the show explores how experienced investors navigate lending policy, growth markets, ownership structures, and shifting government regulation. Rather than reacting to headlines, the podcast looks at how supply and demand, lending rules, incentives, and economic settings shape outcomes — and how strategic investors position themselves within that system. Each episode moves beyond surface-level advice to explore what actually works in today’s Australian market. No shortcuts. No noise. Just clear thinking around asset selection, borrowing strategy, risk management, and long-term positioning. Designed for professionals who want depth without hype, The Property Mindset explores how better thinking leads to better property decisions — today and a decade from now. Hosted on Acast. See acast.com/privacy for more information.

  1. 3d ago

    The Property Mindset — Strategy, Structure and the Right Team. What Actually Moves the Needle

    In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country. This conversation lifts the curtain on what happens behind the scenes in both property acquisition and finance, and why experience, structure, and professional guidance can have such a significant impact on long-term outcomes. We unpack the common misconceptions people have about property investing, borrowing capacity, and building wealth, and explain why clarity is often the missing piece that prevents people from taking action. We also discuss several key ideas: • The biggest barriers people think are holding them back from property investing • Why strategy and education create confidence and reduce costly mistakes • The advantages of working with specialists rather than navigating everything alone • How lending strategy can influence future borrowing capacity and investment opportunities • Why delegating the right tasks often leads to better outcomes and faster progress The episode also explores how experienced professionals assess opportunities, identify risks, and help clients make informed decisions in an environment where most people only face these choices a handful of times in their lives. By the end of the episode, the message is clear: successful property outcomes aren’t just about the property itself. They come from making informed decisions, having the right team around you, and building a strategy that supports your long-term goals. Connect with me here: https://shorefinancial.com.au/matthewcurle or or https://property-mindset-navigator.lovable.app/ Hosted on Acast. See acast.com/privacy for more information.

    31 min

  2. May 24

    Inside Shore Financial: Building Australia's Number One Brokerage

    Something a little different in this episode. I’m joined by Theo Chambers, CEO and co-founder of Shore Financial, Australia’s number one independent brokerage, to unpack the journey of building a business from three people in North Sydney to more than 110 staff and over $300 million in monthly loan applications. This conversation steps away from markets and investing strategies and instead focuses on what it actually takes to build, scale, and lead a high-performing business in a constantly changing industry. We unpack Theo’s early days in banking, why he transitioned into mortgage broking, and how identifying gaps in customer experience and broker relationships became the foundation for Shore Financial’s growth. We also discuss several key ideas: • Why technology and customer experience became a competitive advantage early on • The realities of scaling a business from startup to industry leader • How culture, work ethic, and adaptability shape long-term success • Why staying ahead of change matters more than reacting to it • How market noise and uncertainty create opportunity for decisive people The episode also explores the evolution of the mortgage broking industry, the impact of policy and market changes over the last decade, and how businesses need to continuously adapt to remain competitive. By the end of the episode, the message is clear: long-term success, whether in business or investing, comes from consistency, adaptability, and taking action while others are stuck waiting for certainty. Connect with me here: https://shorefinancial.com.au/matthewcurle or https://property-mindset-navigator.lovable.app/ Hosted on Acast. See acast.com/privacy for more information.

    27 min

  3. May 20

    Budget Impacts: CGT, Negative Gearing & the 30% Trust Tax

    In this episode of The Property Mindset, I’m joined by Theo Chambers, CEO and co-founder of Shore Financial, to unpack what these proposed tax changes actually mean for investors, business owners, and first home buyers. This conversation breaks down the key announcements from the 2026 Federal Budget, including the proposed changes to negative gearing, capital gains tax, and discretionary trust distributions, and explores the real-world implications behind the headlines. We also discuss several key ideas: • Why the proposed changes are being viewed as a broad tax grab rather than an affordability solution • How limiting negative gearing to new builds impacts investors and first home buyers • What the overhaul to capital gains tax could mean for long-term investing • Why trust distribution changes disproportionately affect small business owners • How investors may need to shift towards more cash flow focused strategies moving forward The episode also explores the unintended consequences these policies could create, including reduced rental supply, tighter borrowing capacity, and investors holding property for longer periods rather than selling. By the end of the episode, the message is clear: while tax rules and policy settings may evolve, successful investing still comes back to strategy, adaptability, and understanding how to position yourself long term rather than reacting to short-term headlines. Connect with me here: https://shorefinancial.com.au/matthewcurle or https://property-mindset-navigator.lovable.app/ Hosted on Acast. See acast.com/privacy for more information.

    29 min

  4. May 10

    SMSF. The Strategy That Puts You in Control of Your Retirement

    In this episode of The Property Mindset, I’m joined again by Julian Nikolitsis from Prop Moves Australia. Together, we break down how property investing inside super actually works, when it makes sense, and where most people go wrong.   We explore why more Australians are starting to look at SMSFs, from the desire for greater control and transparency to the ability to leverage property within super and accelerate long-term growth.   To break this down, we discuss several key ideas: • Why SMSFs are becoming more popular and what’s driving the shift • How leverage works inside super and why it can significantly amplify returns • How SMSF lending sits separately from your personal borrowing capacity • The real costs involved, including setup and ongoing fees • The most common mistakes, particularly around poor asset selection • The key rules and limitations that differ from investing in your personal name We also unpack the practical realities, including why depreciation matters less inside super, why growth-focused assets are critical, and how SMSFs can be used alongside personal investing strategies rather than replacing them entirely.   By the end of the episode, the focus is on clarity. Understanding when an SMSF property strategy is appropriate, how it fits into your broader financial position, and why getting the right structure and advice matters far more than chasing the idea itself.   Hosted on Acast. See acast.com/privacy for more information.

    23 min

  5. May 3

    Capital Gains Tax. What the Headlines Won't Tell You

    In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country. This conversation breaks down how capital gains tax actually works, what changes are typically proposed, and why these headlines tend to create more fear than real impact. We unpack how investors typically respond to policy changes, and why short-term reactions often differ from long-term outcomes. We also discuss several key ideas: • How capital gains tax currently works for investment properties • Why proposed changes often create panic but rarely shift fundamentals • What happens to investor behaviour under different CGT scenarios • Why policy changes don’t solve supply and affordability issues • How sophisticated investors adapt compared to everyday investors The episode also explores the unintended consequences of tax changes, including how they can impact housing supply, rental markets, and long-term investment behaviour. By the end of the episode, the message is clear: tax rules may change, but the fundamentals of property investing remain the same, and long-term, strategic decision-making will always matter more than short-term noise. Connect with me here: https://shorefinancial.com.au/matthewcurle  Hosted on Acast. See acast.com/privacy for more information.

    19 min

  6. Apr 27

    Rentvesting. Why Renting First Might Be Your Smartest Move

    In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country.   This conversation takes a deep dive into rentvesting, renting where you want to live while investing in markets that better support your financial goals. We unpack why this strategy still feels uncomfortable for many people, from social expectations through to the desire for stability, and how shifting your mindset can open up more flexible pathways forward.   We also discuss several key ideas: • Why renting can sometimes be the more strategic financial decision • How rentvesting can improve borrowing capacity and asset selection • The importance of discipline and avoiding “half-committing” to the strategy • When rentvesting makes sense (and when it doesn’t) • Why alignment with your partner is critical for long-term success   The episode also explores the practical side of rentvesting, including how to think about timelines, cash flow, and the trade-offs between lifestyle and financial outcomes. By the end of the episode, the message is clear: rentvesting isn’t about avoiding home ownership, it’s about choosing the right sequence to build momentum and create better options over time.   Connect with me here: https://shorefinancial.com.au/matthewcurle Hosted on Acast. See acast.com/privacy for more information.

    21 min

  7. Apr 19

    The Backbone. Why Your First Purchase Shapes Everything After

    In this episode of The Property Mindset, I’m joined again by Julian Nikolitsis from Prop Moves Australia. Together, we strip property investing back to fundamentals and break down the key concepts every investor needs to understand in plain English.   We cover the core building blocks of investing, from loan structures and cash flow to how to properly think about growth, risk, and long-term strategy.   To break this down, we discuss several key ideas: • The difference between principal & interest vs interest-only loans and when each makes sense • What rental yield actually tells you (and why it often gets misunderstood) • How to think about supply, demand, vacancy rates, and days on market • The difference between good debt and bad debt, and why it matters long-term • The real cost of holding a property, including all the hidden expenses most investors miss • The three common ways people use property to build wealth over time   We also unpack why chasing high yields can often lead to higher risk, why holding costs are frequently underestimated, and how having the right strategy and buffers in place can prevent costly mistakes.   By the end of the episode, the goal is simple: give you a clear framework to understand how the fundamentals work together, so you can make better property decisions without getting lost in the noise. Hosted on Acast. See acast.com/privacy for more information.

    21 min

  8. Apr 12

    The Fundamentals That Separate Good Investors From Stuck Ones

    One of the first questions people ask when they’re ready to invest is, “Where should I buy?” It seems logical, but in reality, focusing on location too early often leads to the wrong decisions. Without understanding your strategy, your budget, and what the property needs to do, even the “right” location can produce the wrong outcome.  In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country. This conversation breaks down one of the most misunderstood parts of property investing: location, and why it’s often overemphasised without the right context. We unpack what people are really asking when they focus on suburbs and postcodes, and why chasing “blue chip” areas or following the herd can lead to missed opportunities. We also discuss several key ideas: • Why “where should I buy?” is often the wrong starting question • The myth of blue chip locations and why performance matters more • How timing and growth cycles impact different markets • When yield matters (and when it doesn’t) in your strategy • Why diversifying across multiple markets reduces risk and increases opportunity The episode also explores how experienced investors identify growth pockets, assess multiple fundamentals beyond surface-level data, and avoid common mistakes like buying based on familiarity or emotion. By the end of the episode, the message is clear: location matters, but only when it aligns with your strategy, your timing, and your long-term plan. Connect with me here: https://shorefinancial.com.au/matthewcurle Hosted on Acast. See acast.com/privacy for more information.

    26 min
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About

The Property Mindset explores the strategies, systems, and real-world decisions that help Australians build lasting wealth through property. Hosted by Matt Curle from Shore Financial in Sydney, the podcast uncovers how property strategies are structured, financed, and executed in the real world — and how early decisions around debt, ownership, and asset selection compound over time. Drawing on a background in construction before transitioning into mortgage broking, Matt approaches property from both sides of the equation: how value is created, and how it’s funded. Joined regularly by Julian Nicolitsis, Co-Founder of Prop Moves Australia, the show explores how experienced investors navigate lending policy, growth markets, ownership structures, and shifting government regulation. Rather than reacting to headlines, the podcast looks at how supply and demand, lending rules, incentives, and economic settings shape outcomes — and how strategic investors position themselves within that system. Each episode moves beyond surface-level advice to explore what actually works in today’s Australian market. No shortcuts. No noise. Just clear thinking around asset selection, borrowing strategy, risk management, and long-term positioning. Designed for professionals who want depth without hype, The Property Mindset explores how better thinking leads to better property decisions — today and a decade from now. Hosted on Acast. See acast.com/privacy for more information.

Information

  • Creator
    Matthew Curle
  • Years Active
    2K
  • Episodes
    13
  • Rating
    Clean
  • Copyright
    © Matthew Curle
  • Show Website
    The Property Mindset