Sam Black Sessions: Recent Episodes
Sam Black
In this episode, Sam Black sits down with Brendan Lowbridge from MoneyLinks to unpack how aspiring developers can make the leap from renovating to their first small-scale development, such as a duplex project.
They explore why many investors—despite having strong equity positions—struggle to progress due to serviceability limits or lack of accessible capital, and how joint ventures (JVs) can be the bridge to get projects off the ground. Brendan and Sam break down:
- The key reasons people turn to JVs (e.g. one party has equity, the other has borrowing power).
- How to structure ownership correctly through trusts, companies, and unit holders.
- The importance of defining roles and responsibilities early—before engaging solicitors.
- Why “available equity” is different from “paper equity” and how to set up funding in advance.
- How to avoid stamp duty traps when changing entity ownership mid-project.
- The importance of accountants and lending specialists in mapping both the purchase and construction phases.
- How to build a complementary team—leveraging different strengths rather than duplicating them.
The conversation emphasizes planning with the end in mind, building a reliable team, and treating joint ventures as real businesses, not handshake agreements.
In this episode of Development Insights, Sam Black and Ryan Houston reflect on two years of consistency—both in recording the podcast and in their own property businesses. They dive into how staying disciplined, even through uncertainty, has been the key driver of growth and bigger opportunities.
Sam shares how stepping into the unknown can feel uncomfortable, but it’s also what pushes developers to the next level. Ryan reflects on lessons from working with some of Newcastle’s biggest developers, where track record and reliability become powerful assets—turning you from the one prospecting into the one being prospected.
The conversation explores:
•Why consistency and discipline underpin both business and development success.
•How strong track records open doors to off-market and government-led opportunities.
•The ripple effect of development on the wider economy—trades, consultants, cafes, and councils all benefit.
•Why profit margins are crucial buffers against rising build costs and market turbulence.
•The patience required in site selection—sometimes reviewing hundreds of sites before securing just one.
From lessons on building credibility to insights on navigating risk, this episode unpacks the reality of property development, and why finishing projects is critical not just for profits, but for the communities they shape.
Hosts: Sam Black & Brendan Lowbridge
In this episode of Money Chat, Sam and Brendan dive deep into the realities of financing small-scale property developments — from duplexes and triplexes to boutique townhomes. They unpack why the big banks often treat construction loans like home loans, the hurdles that creates for developers, and how non-bank lenders step in with more commercial, flexible solutions.
In this episode of Development Insight, Sam Black and Ryan Houston dive into one of the most overlooked risks in property development—zoning changes. They unpack why proposed zoning shifts on development sites may not always be feasible, especially when councils and resources don’t align with developer expectations.
The discussion highlights the importance of thorough due diligence, with a focus on the pitfalls that can arise when assumptions are made too early in a deal. Featuring insights from Dillion, this episode serves as a reminder for developers to stay cautious, do the legwork, and avoid costly mistakes.
If you’re navigating the complexities of development approvals and planning strategy, this is a must-listen.
In this episode, I sit down with Ryan Howston to unpack the real highs and lows of property development. From the importance of cash flow and buffers, to lessons learned through wins and losses, we dive deep into why scaling up requires more than just capital—it’s about strategy, longevity, and building a trusted brand. Whether you’re just starting with renos and granny flats or eyeing $10M+ projects, this conversation is packed with insights on how to stay in the game for decades, compete with the big players, and set yourself up for lasting success.
An inside look at the “thrill of the chase” in property development — from spotting the perfect site to making smart, logical offers that beat emotional buyers without blowing your margins.
In this episode, we dive deep into the world of subdivisions and how savvy investors can manufacture equity and fast-track their portfolio growth. From deciding whether to buy in your personal name or through a trust or company, to understanding how to finance not just the purchase but also the renovation and subdivision costs — this is your complete guide. We unpack why subdividing first (rather than post-build) can unlock greater valuations, how to leverage that uplift to fund your construction without using more of your own money, and what consents you’ll need from council, surveyor, the bank, and more. We also clear up common myths around stamp duty and highlight the structuring traps to avoid. If you’re serious about turning one title into two and accelerating your property journey, this episode is a must-listen.
In this episode of Development Insights, we sit down with Ryan Houston to unpack the real challenges first-time developers face—particularly navigating the DA and CC process in NSW. We dive into key differences between a DA (which sets what you can do) and a CC (how you actually do it), the importance of early due diligence, and why engaging consultants—like town planners, heritage or soil experts—before purchasing a site can save you from costly mistakes. We touch on knowing your build costs via square meter rates, understanding planning controls, and building the right team around you to avoid development pitfalls.
In this episode, Sam and Brendan break down Labor’s new first homebuyer policies following the federal election. Key changes include a $1.5M purchase cap, no income threshold, and the Help to Buy scheme, where the government co-owns up to 40% of a home to boost affordability.
They explore how these changes could reshape buyer behaviour, unlock opportunities for essential workers, and shift demand in sub-$1M markets—while also questioning whether it’s a Band-Aid solution to the deeper housing crisis caused by limited supply.
A must-listen for first homebuyers, investors, and anyone navigating the changing property finance landscape.
In this episode, Sam and Brendan break down the real financial journey of a development project—from buying land to securing construction finance and managing interest costs. Using a $2 million duplex example, they explore the equity requirements, borrowing strategies, and key timing factors that can make or break a deal.
They discuss the importance of working with a builder early, understanding valuations, and avoiding costly surprises from lenders or rising build costs. Plus, they reveal why delays can eat heavily into profits and how to model interest during construction to stay on track.
Packed with practical insights, this episode is a must-listen for first-time and experienced developers alike.
Development Insights with Sam Black & Ryan Houston
In this episode, Sam and Ryan dive into the importance of due diligence when assessing development sites. They explore how overlays like flood zones, bushfire risks, and heritage restrictions can dramatically affect what’s possible on a block—and how tools like ArchiStar and the NSW Planning Portal can speed up the process.
They share real-world examples from Newcastle and Lake Macquarie, showing how the right research upfront can save costly mistakes and even uncover hidden opportunities.
Whether you're a developer or investor, this episode is a must-listen to avoid the pitfalls and spot potential early.
In this episode of Money Chats, Sam sits down with finance expert Brendon Lowbridge to unpack the myths around serviceability for business owners. They dive into how lenders assess income from salary, profit, and one-off expenses — and how recent lender policy changes now allow some self-employed people to be treated like PAYG employees. The duo also explore how business structure choices like trusts or companies can impact asset protection, tax planning, and portfolio scalability. Brandon wraps it up by emphasising that high income is the key to unlocking your equity and growing a strong investment portfolio.
Buying property in Australia while earning overseas? We cover deposit requirements, lender buffers, currency conversions, and key tax tips. Tune in to make your investment smoother!
Brendan Lowbridge joins us to break down the latest interest rate cut, its impact on borrowing power, and shifting market sentiment. We discuss lender competition, buyer confidence, and what to expect in the property market. A must-listen for buyers, sellers, and investors!
Development Insights with Sam Black & Ryan Houston.
This podcast covers two major property market shifts: the recent interest rate drop, boosting buyer confidence, and the Low-Medium Density Residential (LMR) reform in NSW. The hosts discuss how zoning changes in areas like Lake Macquarie and Newcastle now allow for higher-density developments, increasing property values and investment opportunities. They highlight key affected suburbs and the financial impact of expanded floor space ratios, encouraging property owners and investors to stay informed and adapt to the evolving market.
In this episode Brendan Lowbridge explores interest-only vs. principal and interest loans, highlighting cash flow benefits, offset accounts, and debt reduction strategies. He emphasizes leveraging investments to accelerate loan payoff and maximize financial growth through property appreciation.
Development Insights with Sam Black & Ryan Houston explores property development strategies, financial risk management, and the mindset for success. We discuss leveraging debt, stepping out of comfort zones, and building networks through public speaking. Tune in for expert insights on growing wealth through real estate and smart investments!
In this episode, we dive into construction finance with Brendan Lowbridge, exploring how to fund property developments—from granny flats to larger projects. We break down financing options, including equity release loans and construction loans, explaining how banks assess serviceability, rental income, and projected property values. Learn how granny flats can boost cash flow, the approval process, and how staged payments work. Whether you’re a first-time builder or an investor looking to maximize returns, this episode provides practical insights into navigating property finance with confidence.
Join us for a high-energy episode of Money Chats with Brendan Lowbridge as we dive into the world of rentvesting. Unpack the pros and cons of renting where you live while investing in property, strategic wealth-building, and how to avoid common financial pitfalls. A must-listen for savvy property enthusiasts!
Welcome to Development Insights with Sam Black & Ryan Houseton, your go-to podcast for navigating the world of property development. From exit strategies and profit margins to creative financing and market trends, Ryan shares actionable advice and real-world examples to help developers at every stage succeed. Tune in for expert insights and level up your game!
Kick off 2025 with Money Chats! Brenden Lowbridgedives deep into the pre-approval process for first home buyers, tackling misconceptions, auction strategies, and how to build a winning team of experts. Learn how to navigate unconditional offers, lender policies, and minimize risk to secure your dream property with confidence
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest Joel Coleman of Shade Design.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest Andrew Cumming of Place Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest host Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by guest Dane Crawford of Commercial Collective.
Hosted by Sam Black of Henderson Advocacy, joined by Ryan Houston of Presence Real Estate
Hosted by Sam Black of Henderson Advocacy. Joined by guest Garth Brennan, former NRL coach, real esate agent.
Hosted by Sam Black of Henderson Advocacy joined by guest Ryan Houston of PRD Presence Newcastle
Hosted by Sam Black of Henderson Advocacy joined by guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy joined by guest Ryan Houston of PRD Presence Newcastle
Hosted by Sam Black of Henderson Advocacy joined by guest Ryan Houston of PRD Presence Newcastle
Hosted by Sam Black of Henderson Advocacy joined by guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy joined by guest Ryan Houston of PRD Presence Newcastle
Hosted by Sam Black of Henderson Advocacy, joined by guest Ryan Houston of PRD Presence Newcastle.
Hosted by Sam Black of Henderson Advocacy joined by guest Ryan Houston of PRD Presence Newcastle.
Hosted by Sam Black of Henderson Advocacy and joined by guest Ryan Houston of PRD Presence
Hosted by Sam Black of Henderson Advocacy, guest feature joined by Ryan Houston of PRD Presence
Hosted by Sam Black from Henderson Advocacy, joined by guest feature Blair Gardner, a client of Sam's
Sam Black from Henderson Advocacy joined by guest feature Beau Brennan of Service Centre
Hosted by Sam Black of Henderson Advocacy joined by guest Ryan Houston of PRD Presence.
Hosted by Sam Black of Henderson Advocacy, joined by guest Jacob Hosking of Creer Property.
Hosted by Sam Black of Henderson Advocacy, joined by guest Mark Reddy of Portt, Advanced Spend Management
Hosted by Sam Black of Henderson Advocacy, joined by guest Joel Coleman of Shade Design.
Hosted by Sam Black from Henderson Advocacy. Joined by guest Jaimie Abbott (Founder of Jaimie Abbott Communications)
Now you know | henderson.com.au
Hosted by Sam Black of Henderson Advocacy, joined by guest Nick Stewart of Century 21 Novocastrian.
Hosted by Sam Black of Henderson Advocacy joined by guest Craig Rosevear from PRD Presence
Craig was a drummer at 'The Screaming Jets' in the 90s. He then moved to the US and was a member of rock band 'Cinderglass'. In 2005, he moved back to Newcastle and started his music school 'Rosie's School of Rock'. Craig was invited to a big auction with Damien Cooley. He found his passion in auctioneering. He shared his story and his transition from being a rock star to an auctioneer and then a real estate agent.
Hosted by Sam Black of Henderson Advocacy joined by guest Brenden Lowbridge from Money Links.
Hosted by Sam Black of Henderson Advocacy joined by guest Sharni Campbell from SC People.
Hosted by Sam Black of Henderson Advocacy joined by guest Natalie Spence of Coastal Finance Group
Hosted by Sam Black of Henderson Advocacy joined by guest Reece Thompson of PRD Hunter Valley
Hosted by Sam Black of Henderson Advocacy, guest Alex Brooks of PRD Newcastle & Lake Macquarie
Hosted by Sam Black of Henderson Advocacy, guest Emily Wallace of Emily Wallace Buyer's Advocate.
Hosted by Sam Black of Henderson Advocacy, guest Ben Handler of Buyer's Agent Institute.
Hosted by Sam Black of Henderson Advocacy, guest Brock McLeary of PRD Newcastle & Lake Macquarie.
Ex-Navy diver, top Real Estate Agent and a genuine human. An insight into Russell Dawson’s life.
A veteran of the real estate game, Danny gives us a view of the current market, his thoughts on the future market and some advice for life.
Investor, mentor, business owner and entrepreneur. Mark kentwell has a great insight into life and the adventures he has with businesses and property.
Newcastle’s top performing agent, talking all things property and what is happening in this heated market we are in.
A quick insight into George O’Brien’s journey on his career in the mines and Real Estate.
Tristan Oddi- An insight into his life who has been working in real estate for 13 years.
My first ever episode, a great chat between two best mates. We dive into business, goals and life adventures.