Property Uncovered: Recent Episodes

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Bhavya Nanjundappa's story is a testament to life's unpredictability and the merits of adaptability. Soon after securing her first home in Sydney, circumstances changed, and Bhavya relocated to Brisbane. Transforming her Sydney property into an investment, her property journey began.

In this episode, Sanjeev dives into Bhavya's inspiring story of growth, from initial uncertainties and learning curves to purchasing three investment properties and achieving considerable financial success.

Through this candid conversation, Bhavya emphasizes the importance of starting small, understanding market dynamics, and empowering oneself with financial knowledge—especially for women seeking to establish financial independence. Join us as we explore how strategic investments can yield significant value appreciation and positive cash flow.

-- AUDIO TIMESTAMPS –

(00:00:00) Intro

(00:03:49) Bought Unit in Sydney: Transition to Investment

(00:07:23) Learning Through Mistakes: Property Sale and Loan Pay-off

(00:12:06) COVID's Impact: Hybrid Work and Regional Investment Boost

(00:14:49) Housing Market Struggles: Fear of Rising Prices

(00:18:18) Investment Properties: Positive Experiences Summary

(00:21:18) Investing: Easing Financial Stress and Family Commitments

(00:22:45) Financial Support: Entrepreneurial Transition in 2019

(00:27:50) Stick to Budget: Start, Educate, Motivate, Succeed

(00:30:58) Self-Care for Happiness, Empowerment, and Success

(00:33:14) Leveraging Bank's Money: Safe Asset Growth

(00:34:56) Outro

-- QUOTES --

"We just only went through our convenience, what would work, our location, easy maintenance and that's what we want."

"And the knowledge that we gained through the whole process was like, wow, why didn't we know this before? So whatever I said, the mistakes we learned, it was then that we started realizing that, oh, my God, if only I had done this way, it would have been a different story for us now."

"Don't go beyond your budget or what you can contribute to with less stress or what you're able to do. Just get started. I'm just saying, just get started."

"Try and diversify and think of other ways of doing it. And yeah, probably these are my top three things."

"I think first thing is empower yourself with that knowledge of investing."

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

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🌌 Facebook: https://facebook.com/investorzdream

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Karthik's life entered a new chapter in 2017 when he and his family embarked on a journey from their homeland to the vibrant shores of Australia. They settled in Sydney in 2018, navigating the challenges of renting in a competitive housing market while building their careers. Seeing friends pursue home-ownership sparked a similar aspiration in Karthik. With stable jobs and a growing family, they embraced the future.

Karthik's journey reflects the opportunities that come with determination and hope in a new land. Today, he's settled, focused on his career, and a devoted family man. In this episode, Karthik shares insights on property investment and the importance of automatic saving and investing for long-term returns.

Whether you're a novice investor or expanding your portfolio, Karthik's story promises inspiration and practical advice. Join Sanjeev in this episode of Property Uncovered to learn how making saving and investing an automatic part of your life can have multi-fold returns.

-- AUDIO TIMESTAMPS –

(00:00) Intro

(00:56) Introducing Guest Speaker Karthik

(05:42) Property Purchase: Seizing Opportunity with Low Interest Rates

(08:00) Budgeting and Seizing Opportunities

(10:29) Family: Learning about Equity and Investments

(14:45) Shared Philosophy: Seeking Comfortable Lifestyle through Investments

(18:15): Property Investment Conversations: Finding Confidence

(21:40) Skeptical Approach to Super Money Investment

(22:22) Navigating EMI, Rent, and Investments

(24:25) Understanding Self-Managed Super and Trusts

(28:17) Overcoming Initial Doubts and Fears

(31:50) Importance of Seeking Help and Taking Action

(34:20) Confidently Pursuing New Opportunities with Financial Backing

(38:23) Inspiring Story: Passion and Capital

(41:30) Start Investing. Cultivate Good Habits. Seek Guidance.

(44:04) Efficient Set-up of SMSF Account and Trust

(46:35) Advice: Please Invest for the Future

(54:00) Outro

-- QUOTES --

-“We knew that the interest rates wouldn't stay at one-ish percent forever, but at that point in time, it seemed very less. So we thought, hey, why not? This is the right time to invest.”

-"When you're earning, when you're in the prime of your life, when you're making a decent amount of money, you want to ensure that whatever you lead a comfortable lifestyle with it, of course, not squeeze it, but at the same time also ensure that the money grows, because you never know what other expenses might come up in future."

-“We realized that investing through self-managed super seems much easier and safer than pulling equity from an investment property."

-“It's almost like entering the investment market again as a fresher from a different mindset. But all those discussions that we had with our accountant, with yourselves, with my mortgage broker, sort of clarified a lot of things in terms of it's not that bad because you set up your own trust, everything goes from the trust, and everything comes back to the trust.”

-“Back in Bangalore, when you want to buy something, you go look at it ten times, 15 times, look at multiple things there, and then make a decision whether you want to buy it or not.

Whereas here, you just know the address, you know, some people who have advised about it and, you know, some people are looking after it, and you are just interacting with these people on a property that you have literally virtually seen. Just a few photos and probably a video, a good 30-minute video that you had presented initially."

-“It's been a very satisfying experience, to be very honest. Like I said, there was one part of the fear of investing and borrowing so much from the banks because, again, the family comes from a traditional mindset of having in mind that borrowing is not good; borrowing is bad. So if you have borrowed, you repay it as soon as possible. That's the mindset that traditionally, we all come from.”

-“Coming here, trying to understand a different market, understanding how things work and how you can get the money to grow and still have the confidence that if something bad happens, you're always in a position to ensure that you are able to repay off whatever you're borrowed and still be comfortable. So it's a very satisfying feeling to actually have that. So all the fears have slowly gotten away.”

-“The strategies that you sort of explain and put up give us the confidence that you don't have to have a huge capital to invest in the real estate market. And that's another myth that a lot of people have in their head, right? That you need to have a lot of capital to invest in the real estate market, which is not really the case.”

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Cherry Ann Brangovits leads with confidence as a team leader within the accounts department of a renowned engineering firm, leveraging her skills to break new ground and drive success. However, her journey is not just about professional strides.

In this episode, Sanjeev delves into Cherry Ann’s self-taught property investment journey and discusses everything from prospecting investments to retirement and future-proofing finances.

Join us as Cherry Ann shares the strategies she and her husband, Georgie, implement to achieve their goal of finding financial freedom and building generational wealth for their family through property investment.

--TIMESTAMPS--

(00:00:00) Intro

(00:06:35) Navigating Fear in Real Estate Through Education

(00:10:00) Property Investment: Long-Term, Not Quick

(00:10:49) Exploring Alternative Paths Towards Achieving Generational Wealth

(00:15:39) Self-Sufficiency: Investing in Property for the Retirement

(00:17:47) Property: Less Risk, Insurance Key

(00:23:02) Embracing Success Together: Investing As a Couple

(00:27:19) Find Your People, Build Your Dream Team

(00:30:20) Investing Wisely: Focus on Data and Growth

(00:34:38) Inspired Couple Pursuing Property Investment

(00:37:26) Financial Stability: The Key to Freedom

(00:47:00) Empowering Women for Financial Freedom

(00:50:00) Outro

-- QUOTES --

-"I think you need to understand that investing in property is not a quick fix. It's not the thing that's going to get you rich tomorrow or get you comfortable tomorrow. You go into that knowing that the rewards of an investment property is a long term gain."

-"If you come across a bit of a stumbling block in front of you, don't let that be the thing that makes you go, oh, okay, we can't do it. What are the other ways that you can kind of reach your dreams, pursue your dreams, have the right team behind you to help facilitate that."

-"I think everyone needs to kind of sit back and go, a pension is not guaranteed. So if it's not guaranteed, can I afford the life that I want, the life that I've been accustomed to long after I finish working?"

-"The people who really care and who are really passionate about what they're doing, they give you more information than they probably should. They give you that information for free."

-"Our plan is also to grow our SMSF. Like while we've got that one property and we could easily just have that one property. And be fine. We want to be able to exceed what we've got in there and be very comfortable with our SMSF, but our passion will always be the conventional way we would be planning."

-"And to those who sit back and go, oh, I'll just wait till the interest rate goes down and everything, there is never the right time to get into the market. Whether the interest rate is high or low and how far your dollar will stretch does not mean that you shouldn't just jump in."

-"I'd love to see more women pursue this as well. And like I said, obviously I'm doing it with my partner. But for the single ladies out there who as yet haven't got a partner or are happy to be single, I'd love to say to them, see investing as being a way of getting financial freedom."

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Dinesh Chappidi is an IT professional and property investor living in Sydney. After living in the country for several years and thinking about purchasing a property, he realized the lack of education was holding him back. In this episode, Sanjeev and him will dive into the challenges Dinesh faced building his first investment property, how he couples short-term action with long-term vision, or why he believes education and guidance are crucial for success in property investment. Join us as Dinesh shares his journey, from his background and settling down in Australia to his decision to enter the property market.

-- TIMESTAMPS --

(00:00) Intro

(00:51) Dinesh’s background

(05:40) Education in Property Investing

(08:27) Challenges in Buying His First Property

(13:44) What’s it like to Buy Interstate

(18:06) Advice for New Property Investors

(22:58) Outro

-- QUOTES --

• “Lack of education was the primary reason why we wouldn’t think about properties at all… I delayed my property journey because of it.”

• “Ups and downs are common… In the long term, everything settles by itself and it doesn't matter how the economic condition is.”

• “Buying a land was a pretty straightforward process. But building a house on top of it, a lot of variables changed.”

• “If you are looking to invest long-term, I don’t see a reason why you should wait.”

-- CONNECT WITH DINESH --

💼 LinkedIn: https://www.linkedin.com/in/dinesh-c-15600415/

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Samantha Gillett is a property investor from Sydney. As a 51-year-old mother of five children, plus two dogs and a full-time job, you would think of her as the typical investor. But after being inspired by a family member, she decided to start doing her own research on property investing. Not long after, she brought her husband along with the ride and together they hit the ground running, buying 2 properties in only 4 months.

In this episode of Property Uncovered, Sanjeev sits down with Samantha to discuss what it’s like to buy a property through Zoom, how to get your partner on board with your investment plan, or why it’s never too late to take action and get started on your goals.

-- TIMESTAMPS --

(00:00) Intro
(00:50) Background
(02:15) Investing In Property
(08:22) Getting My Partner On Board
(12:58) Acquiring Off-Market Properties
(15:03) Thoughts on Interest Rates
(16:48) Buying Properties Through Zoom
(19:52) 3 Tips For Investors
(21:47) It’s Never Too Late
(25:44) Outro

-- QUOTES --

• “My husband and I went through school learning that having debt it's a bad thing.”

• “Now is the best time to invest because while there is high-interest rates, many people don't want to buy.”

• “I really believe that these days, with technology like Zoom, it's really irrelevant where the property is located now.”

• “We really believe the more properties we have the better off we will be when retirement comes around. It will give us more options and flexibility to do what we want to do.”

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Samantha Delaney is the New Business Development Manager at Harcourts Mandurah, the leading real estate agency in the Peel region in Perth.

After working in the customer service industry, Sam moved from the UK to Western Australia and joined Harcourts Mandurah in 2012 as a property manager.

In this episode of Property Uncovered, Sanjeev and Sam discuss the number of properties that a property manager can manage while still being effective, when your real estate agency should incorporate an additional hire, or how to pick the right property manager as an investor.

-- TIMESTAMPS --

(00:00) Intro

(00:51) Working at Harcourts Mandurah

(02:43) Background In Property Management

(04:07) Team And Roles At Harcourts Mandurah

(08:06) Incorporating A New Hire In The Team

(11:17) Insights That Helped Her In Her Role

(13:07) Choosing A Property Manager As An Investor

(19:00) How Buyer’s Agents Affect Her Work

(22:02) The State Of The Current Market In Mandurah

(24:29) Supporting People In Need

(27:26) Tips To Secure A Home As A Buyer

(29:23) Do Your Research

(33:36) Where to find Sam

(34:03) Outro

-- QUOTES --

• “There’s nothing worse for an owner than (not being able to) get ahold of their property manager.”

• “I’ve heard of property managers running with over 200 properties. That’s something we would never do, simply because the utmost priority for us is to deliver good customer service.”

• “Our property managers do everything from end to end. There’s never that third-party going in where the communication is lost.”

• “(Buying a house) is not a process I would ever recommend that somebody does for themselves.”

-- CONNECT WITH SAM --

💼 LinkedIn: https://linkedin.com/in/samantha-delaney-5232711b2

📨 Email: sam.delaney@harcourtsmandurah.com.au

📞 Phone: 0421504492

-- FOLLOW HARCOURTS MANDURAH --

🌐 Website: https://harcourts.net/au/office/mandurah

💼 LinkedIn: https://linkedin.com/company/harcourts-mandurah

📸 Instagram: https://instagram.com/harcourtsmandurah

🌌 Facebook: https://facebook.com/harcourts.mandurah

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Amit Aggarwal is a property, tax, and finance strategist based in Melbourne. Amit visits the Property Uncovered show for the third time to share his experience and get into the nitty-gritty of self-managed super funds, a special type of private super fund that offers a different way of saving for your retirement. In this episode, Sanjeev and Amit discuss the process and requirements needed to set it up, whether it is possible to live in a property purchased through SMSF, or how you can use a self-managed super fund as leverage in your property investments.

-- TIMESTAMPS --

(00:00) Intro

(00:51) Disclaimer

(02:26) How are SMSFs different from retail super funds?

(04:36) Buying Property Under a SMSF

(07:12) The Process Of Setting Up A SMSF

(13:22) Choosing a Lender

(18:23) Can I live in a property bought under a SMSF?

(23:46) How Does A Bare Trust Work?

(27:46) Getting Help From Experts

(29:06) The Timeline Of Setting Up A SMSF

(34:45) Going Through The Documentation

(39:53) What To Keep In Mind If You Invest Under A SMSF

(42:04) Closing thoughts

(44:02) Where to find Amit

(44:48) Outro

-- QUOTES --

• “With a self-managed super fund, you have to make decisions with regard to investments. You run the show, no one else does. If you don’t invest, that money will sit in a bank account doing nothing.”

• “Lots of people don’t recognize super as their own money. They think it’s something they will get control over when they retire, but how you manage this journey will determine what happens at the time of retirement.”

• “Forget about everything you knew about buying a property. Because what you know is not even one-third of what you’ll end up doing in a self-managed super fund. Be ready for unknown territory because it’s extensive.”

• “The first step of the process would be to understand whether you should do it or not. That’s where you need to talk with your financial planner and get an understanding.”

--- CONNECT WITH AMIT ---

🌐 Website: https://amitaggarwal.com.au

📞 Book a call: https://amitaggarwal.com.au/booking/

📸 Instagram: https://instagram.com/life.beyondnumbers

🌌 Facebook: https://facebook.com/LifeBeyondNumbersAA

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Despina Karatzias is an entrepreneur, marketing expert, and curious human being with a passion for igniting excellence in people. Coming from Greece to Melbourne at the age of 9, it didn’t take long for her to develop a burning desire for traveling the world. After trying social work, she decided to pursue a career in tourism and support small business owners with their digital marketing strategy, a path where she found true alignment and passion. Despina joins Property Uncovered today to discuss her experience in property investing and how they managed to pay off a 400K mortgage in less than five years. Tune in to today’s episode to discover how reading The Barefoot Investor by Scott Pape changed Despina’s perception, her conviction of the importance of educating your children about personal finances, and her thoughts on SMSF, or as she describes, «one of the world’s best-kept secrets in investing».

-- TIMESTAMPS --

(00:00) Intro

(00:51) Despina’s background

(05:24) Humble Beginnings and Travel as a Child

(10:16) Finding Alignment with a Career in Tourism

(13:38) Buying her First Property at 22

(17:22) Insights from The Barefoot Investor

(20:05) Bringing the Kids on board with Finances

(23:17) Buying Her 2nd and 3rd Property

(28:51) The Decision to Pay Off their Mortgage Aggressively

(31:27) Why not Upgrade to a Bigger House?

(34:06) Recommendations for Buyers

(37:31) Mortgage Created Heaviness

(39:08) Investing for Retirement

(43:22) The Best Time to Plant an Oak Tree

(48:17) Despina’s Top Travelling Experiences

(52:07) Final Words

(54:18) Outro

-- QUOTES --

• “We’ve traveled over the last six years not owing a cent after we come back from a holiday. Everything we do we save for.”

• “Every time we would hit a milestone of the mortgage going down we would share it with the kids and do something special to celebrate.”

• “Banks don’t want the mortgages paid off.”

• “I feel like I’ve come from just sitting at the back of the bus cruising along without knowing where we were going to now driving my own bus and finding empowerment.”

-- CONNECT WITH DESPINA --

🌐 Website: https://despinakaratzias.com

💼 LinkedIn: https://linkedin.com/in/despinakaratzias

🐦 Twitter: https://twitter.com/desikaratzias

🌌 Facebook: https://facebook.com/DespinaKaratzias

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Swadish Aaryan is a senior test manager and a property investor. Just 12 months after immigrating to Australia, Swadish and his family purchased their first property in Sydney and now own three properties with a fourth one in the works. In this episode of Property Uncovered, Sanjeev sits down with Swadish to discuss the importance of diversifying your property investment portfolio, the difference between good and bad debt, or why you should set up an emergency fund. Tune in to also discover the challenges Swadish faced when buying his first investment property, self-education as a strategy to reduce fear, or why building a team of property experts is pivotal to your success as an real estate investor.

-- TIMESTAMPS --

(00:00) Intro

(00:50) Background

(02:37) Purchasing A Property Within 12 Months of Arrival

(06:27) Buying An Owner-Occupier Property in Australia

(08:20) Diversifying Your Investment In Properties Interstate

(13:50) Good Debt vs. Bad Debt

(15:38) Self-Education As A Resource To Counter Fear

(21:15) Swadish’s Challenges in his Investment Journey

(25:58) Building A Team and Setting an Emergency Fund

(29:28) Buying One Investment Property Per Year

(32:01) Itineraries Redefined and Love for Travelling

(36:00) Final Words for Up-And-Coming Investors

(38:04) Where to find Swadish

(38:37) Outro

-- QUOTES --

• “When it comes to buying an owner-occupier property you have to put on a different hat than when buying an investment property.”

• “One of the key elements in our property investment strategy is that we’d like to diversify our property purchases. Rather than putting all of the eggs in the same basket, we want to go to different states and different suburbs making sure we get multidimensional growth for each of the properties.”

• “One of the criteria that we requested the buyer’s agent is that (our property) shouldn’t just be an investment property but it can be our home in the future as well.”

• “If you have too many properties in one state you end up paying land tax for no reason.”

-- CONNECT WITH SWADISH --

🌐 Website: https://itinerariesredefined.com

💼 LinkedIn: https://linkedin.com/in/swadishaaryan

🐦 Twitter: https://twitter.com/ItinerariesR

📸 Instagram: https://instagram.com/itinerariesredefined

🌌 Facebook: https://facebook.com/ItinerariesRedefined

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Amit Aggarwal is an accountant, mortgage broker, and property investor. Based in Melbourne, Amit has purchased three properties in the last 12 months, creating wealth for himself and his family. In this podcast conversation of Property Uncovered, he chats with Sanjeev about the key role of education when investing in property, why he decided to keep his property investments under different names, or how to ignore the short-term noise.

Timestamps:

(01:10) Our guest, Amit Aggarwalserial investor and property expert joins the conversation to discuss inflation and its rising opportunities.

(03:49) What has Australia been exporting and how it positively impacted the balance trade.

(06:10) Mining and Farming are the main sectors making the most amount of money.

(07:01) How to maintain the sustainability of this newly acquired growth.

(09:10) Economic projections for Australia’s future.

(10:05) inflation, interest rates, and the property market.

(12:30) The way to contain this inflation and eventually drop it.

(14:00) The history of Australia’s interest rates and how things may unfold further down the road.

(17:00) What can we do to build better buffers in terms of income streams.

(20:00) How to properly negotiate your interest rate when your assets grow in value.

(23:20) Interest-only loans as an alternative to normal loans with principal.

(25:55) How does refinancing for a longer term operates?

(28:57) The importance of having extra buffer in our savings when purchasing property.

(31:00) The critical importance of financial awareness in portfolio management.

(32:40) A word of advice from Amit to anyone scared of current interest rates.

(35:20) Amit provides an example of good negotiation of interest rates.

(36:50) The cyclic nature of interest rates and how we should embrace it with strategy.

(38:50) The reality of negative news and how they affect our assessment of the market.

(40:00) Get educated, believe in the journey, and keep pushing for your financial goals.

(42:30) Final advice from Amit to investers.

(43:00) The best way to reach out to our guest Amit.

Quotes:

“The media focuses on bad news rather than good news…They haven’t been talking about balance of trade, which is net of import and export…In 2022, the net of trade is 134 billion dollars. We have exported goods less than Imports. If we go back 4 years earlier it was only 15 billion dollars.”

“In terms of growth sustainability The war has pushed nations and corporations to look for alternative sources of energy and trade. Once new channels are set up, I don’t believe they will go away completely. Some of this growth will be sustained and some will go.”

“Inflation has been tied big time with interest rates rising from 1.1 to 3.1% in less than 3 months.”

“The change upward in price for a same unit of item is what we call Inflation. The demand is more because the supply wasn’t able to meet first demand and the next demand comes along. The supply is disrupted.”

“One thing you need to be aware of is making sure your interest rates are aligned with market rates. Lenders negotiate their rates.”

“Any property you own that you think went up in value you should call your lender and reevaluate your LVR to drop down your interest rate.”

“The key is to understand where you are right now, what actions you should take to mitigate a change in your situation.”

“All we are talking about is managing the uncertainty in the equation…We always need to do a health check on our portfolio and see what can be done to enhance it.”

“A lot of people are ready to go into market and buy property, but because of all the rumors and all the noise, they are sitting aside and waiting for this uncertainty to go.”

“Get educated, and learn how to decode how much of news is real and how much is just noise. Once you get educated, you don’t care anymore what the media says.”

40:31 to 41:01 “It’s a journey. People say I bought a property full stop when it’s not the case. It’s an ongoing journey. If you’re looking to build your wealth then you need to keep going with it.”

-- CONNECT WITH AMID --

🌐 Website: https://amitaggarwal.com.au

📞 Book a call: https://amitaggarwal.com.au/booking/

📸 Instagram: https://instagram.com/life.beyondnumbers

🌌 Facebook: https://facebook.com/LifeBeyondNumbersAA

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Nick Bendel is a property investor and the founder of Hunter&Scribe, a copywriting agency specializing in property and finance. A journalist by training, Nick first took an interest in real estate around 10 years ago, when he took a writing gig about property and finance. But when in 2015 he set out to buy his first property in Sydney, he soon realized his budget wouldn’t get him very far. In this episode of Property Uncovered, Sanjeev sits down with Nick to discuss how he overcame his fear of debt in his first property investment, why seeking expert advice is crucial to your success as a property investor, or the impact that having 500 meals with strangers has had on Nick’s life.

-- TIMESTAMPS –

(00:00) Intro

(00:51) Background and beginnings in property

(03:06) Fear of debt and the idea of owing someone money

(05:34) Nick’s happy accident and buying in Hobart

(08:16) Relying on a buyer’s agent

(09:52) Buying in Brisbane and Sunshine Coast

(13:19) Mindset and Nick’s Investment Plan

(16:02) Tips for up-and-coming property investors

(17:37) Reading and Nick’s best book recommendations

(20:19) Meeting for lunch with 500+ strangers as an introvert

(25:37) Going out for lunch with Sanjeev

(26:44) Final words for investors

(28:56) Where to find Nick

(29:25) Outro

-- QUOTES --

• “I had a fear about debt. I understood why a mortgage made mathematical sense. But I hated the idea of owing someone money.”

• “Often, we fear what we don’t know, so the more you know, the less you fear.”

• “The very moment I appointed my buyer’s agent, I suddenly thought to myself, «OMG, why did I ever think that I could do this myself?»”

• “By taking a long-term view it means that you can be a lot more philosophical about what happens in the short-term.”

-- CONNECT WITH NICK--

🌐 Website: https://hunterandscribe.com

💼 LinkedIn: https://linkedin.com/in/nick-bendel

🐦 Twitter: https://twitter.com/hunterandscribe

🌌 Facebook: https://facebook.com/hunterandscribe

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Trent Fleskens is the host of The Perth Property Show and managing director of Strategic Property Group, a full-service property investment consultancy based in Perth. Not long after the start of his career, Trent had already made it as a successful consultant at PwC, only to find that that climbing that ladder was not going to make him happy. He decided to leave everything behind to travel the world and test out different career paths as a filmmaker, safari guide, etc. But it was when he tapped into his interest in property that things started to fall into place for him. In this episode of Property Uncovered, Sanjeev sits down with Trent to discuss how to mitigate your risk of loss when investing in property, Trent’s predictions for the real estate market in Perth in 2023, or advice for up-and-coming professionals starting out in real estate.

-- TIMESTAMPS –

(00:00) Intro

(00:51) Trent’s background

(05:55) Trying out new paths in search of fulfillment

(12:30) How passion and expertise trump fear of failure

(15:38) Jack’s first wins and mistakes in property investment

(18:30) Tips for up-and-coming property investors

(20:33) Improving other people’s lives through your work

(23:16) Jack’s prediction for Perth’s real estate market in 2023

(27:45) Affordability and reset in expectations

(29:01) Outro

-- QUOTES --

• “I wanted to do more with my life. Rather than live a vocational life of conservancy, I really wanted to make an impact in my community.”

• “People who have a fear of missing out more than a fear of failure are more likely to succeed.”

• “People had known me for my skills and achievements long before I started a business servicing people to do the same thing.”

• “If you want to mitigate any risk of loss in your effort in property, hire the best people in your city.”

-- CONNECT WITH TRENT --

💼 LinkedIn: https://linkedin.com/in/trent-fleskens-bbbb3846

🌐 Website: https://strategicpropertygroup.com.au

🎤 Podcast: https://perthpropertyshow.com.au

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Jack Wormington is the director of JW Residential and a selling agent based in Secret Harbour, Perth, WA. From a very young age, Jack demonstrated a passion for property, and began learning passively from his family business. After giving a try to HR, he dove headfirst into real estate, and in his first year he generated over 10M in sales. Ten years later, Jack is now one of the most reputable real estate agents all across Australia, known for his passion, dedication and professionalism. In this episode, we dive deep into why Jack decided to double down on a suburb instead of expanding to bigger markets, how being accessible for his clients has been key to his success as a selling agent, and what was it like for him to break into real estate despite his family’s advice.

-- TIMESTAMPS --

(00:00) Intro

(00:51) Jack’s background and beginnings in real estate

(09:11) Contributors to his early success as a selling agent

(15:46) Tips for new real estate agents starting out

(19:45) Building a superteam and being always accessible

(27:50) The role of buyer’s agents within the industry

(33:05) Dealing with problematic buyers and honoring the contract

(36:15) Presenting a competitive offer as an investor

(39:57) How to demonstrate you are a serious buyer

(42:38) The state of the property market in Perth

(44:36) Tips for investors interested in Secret Harbour

(47:56) Where to find Jack

(47:13) Outro

-- QUOTES --

• “If you are here for the money, it’s going to be a quick fail.”

• “I don’t think there’s anyone out there in the industry whose worked incredibly hard and been self-disciplined that hasn’t been successful.”

• “Many people ask agents what’s the secret… There is no secret. It’s just a case of hard work, dedication and commitment.”

• “The value in what you’d learn first hand from shadowing someone who’s doing well will absolutely set you up. You are going to drown if you go straight into it.”

-- CONNECT WITH JACK --

🌐 Website: https://jwresidential.com.au

🌌 Facebook: https://facebook.com/jwresidentialwa

📸 Instagram: https://instagram.com/jwresidential

💼 LinkedIn: https://linkedin.com/in/jack-wormington-a25547107

💼 LinkedIn Page: https://linkedin.com/company/jwresidentialwa

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Melinda Kirby is a selling agent and property consultant based in Rockhampton, Queensland. With over 20 years of experience and a strong passion for the real estate industry, Melinda has won the trust of hundreds of home-buyers and investors in search for the perfect property. This 2022, she has closed the sale of 137+ properties along with her small but tight-knit team. In this episode of Property Uncovered, Sanjeev asks Melinda about her recommendations on how an investor should reach out to a real estate agent, the importance of crafting a competitive offer, or why setting the right incentives for your team is a key element for a company’s growth.

-- TIMESTAMPS --

(00:00) Intro

(00:52) Melinda’s progression within the real estate industry

(07:20) How the industry went digital after covid

(09:49) Mindset shift and building a motivated team

(13:18) Outsourcing and giving up control

(18:27) Escalating her business as a female in their region

(20:28) Building relationships with trustworthy buyer’s agents

(24:23) Tips when reaching out to a real estate agent as an investor

(29:11) Meeting in person and partnering up with buyer’s agents

(34:11) Melinda’s view on Rockhampton’s real estate market

(38:08) Sharpening and presenting a competitive offer

(39:31) Where to find Melinda

(40:07) Outro

-- QUOTES --

• “Docusign was like the biggest change I’ve seen in this industry. It has been amazing for our business.”

• “I had always been «the helper». I had been the co-agent, I had been the PA… So to be able to step into the role of being a leader, I really had to let go.”

• “Maybe some of the other agents don’t incentivize their team as much as what I would. What’s the point of staying if there’s nothing in it for them?”

• “I had to stop comparing myself to how the top male agents in my area do things. I can’t replicate what they do because it just doesn’t suit me.”

– CONNECT WITH MELINDA --

🌐 Website: https://mkproperty.com.au

📸 Instagram: https://instagram.com/melindakirbyproperty

🎵 Tiktok: https://tiktok.com/@melindakirbyproperty

💼 LinkedIn: https://linkedin.com/in/melindakirbyproperty

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Tom Dekker is an executive in the entertainment industry, a grandfather, and a property investor based in Sydney. Being close to retirement, Tom realized he didn’t want to rely on government handouts and wanted to leave a legacy for his grandchildren, and thus he decided to double down on property investment. With Sanjeev’s help, he has bought four cashflow-positive properties in one year, with his current portfolio amounting to approximately 5.5M. In this episode of Property Uncovered, Tom covers what was his biggest financial regret, how does it feel to purchase a property you haven’t seen, or why he thinks it’s never too late to start your investment journey.

-- TIMESTAMPS --

(00:00) Intro

(00:53) Who is Tom Dekker

(02:30) Tom’s why behind investing in property and his biggest financial regret

(05:13) Running the numbers and buying despite the rise of interest rates

(07:35) Being hands-on with regard to his property portfolio

(09:25) Tom’s wake-up call and realizing retirement is near

(11:38) Investing interstate and purchasing a property he hadn’t seen

(16:36) Tom’s investing strategy for the next years

(19:44) Time, research, and the decision to trust a buyer’s agent

(22:53) It’s never too late to start investing

(26:03) Outro

-- QUOTES --

• “I bought an investment property and I sold it after five years. Did really well out of it, bought it for 200K, sold it for a little over 500K… That’s probably the biggest regret in my life from an investment point of view. That property sold last year for 1.8M dollars.”

• “I got to the point where I realized I needed to secure my future. I’m not one of those people that want to rely on government handouts.”

• “I haven’t gotten into this to make a quick buck and turn the properties over after a few years, there’s no speculation involved. In the perfect world, I would never sell a property.”

• “My regret is I didn’t do it sooner, but I don’t regret starting late either.”

-- CONNECT WITH TOM --

💼 LinkedIn: https://linkedin.com/in/tom-dekker-a007b520

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Terry Ryder is a property researcher and writer on Australian real estate since 1982. He’s

also the founder and managing director of Hotspotting, one of Australia's leading online resources for investors of Australian residential property. With more than 35 years devoted to the real estate industry, Terry is one of the most knowledgeable and respectable figures with regard to the Australian housing market. In this episode of Property Uncovered, Terry and Sanjeev discuss why we should think of local economies instead of “the economy” as a whole, how to determine when it’s time to stop buying properties, or how treating of our portfolio as a business is key to our success as property investors.

-- TIMESTAMPS --

(00:00) Intro

(00:51) From journalist to property consultant

(04:27) Information overload and the advent of digital tools

(07:01) Getting tired of renting and the purchase of his first properties

(09:19) When to consider selling a property

(10:46) What makes a good asset

(13:27) Achieving wealth through good assets

(15:38) Asset protection and buying under different structures

(17:44) Considering local economies instead of the market as a whole

(19:55) Building your team and getting experts’ advice

(24:10) Is it ever too late to start investing in property?

(26:36) Determining when enough is enough

(29:09) Predictions for the Australian real estate market in 2023

(33:07) Closing thoughts

(34:24) Outro

-- QUOTES --

• “I’ve always been a believer in buying towards the low end of the market… If I had a million dollars, I wouldn’t buy a one-million-dollar property, I would buy two or three properties.”

• “Some people believe that expensive properties show better growth. I don’t think that’s true at all.”

• “I don’t think there’s such thing as the Australian property market. I think there are thousands of markets and they are all local.”

• “Property investment is a business in itself. People should treat it as a business. And in a good business, you spend money to make money.”

-- CONNECT WITH TERRY --

🌐 Website: https://hotspotting.com.au

💼 LinkedIn: https://linkedin.com/in/terryryder

🌌 Facebook: https://facebook.com/hotspotting

🎬 Youtube: https://youtube.com/@Hotspotting

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Nowshad Rafique is a property investor and a consultant at National Australia Bank. Based in Sydney, last year he joined forces with Sanjeev and bought 4 properties in less than 12 months. In this podcast conversation of Property Uncovered, they discuss the differences between investing in property and stocks, how to take advantage of leverage in our own investments, or how to explain your investments to your family to make sure they are on board with the strategy and aligned with your vision.

-- TIMESTAMPS --

(00:00) Intro

(00:52) Who is Nowshad?

(02:03) Investing in both property and the stock market

(04:42) Using leverage to buy shares

(09:38) Purchasing his first property in Glenfield, Sydney

(13:30) Selling this property after an increase in value

(15:37) Changing his mindset and thinking longer term

(17:40) Bringing her partner on board

(21:10) Explaining the strategy behind his mindset

(24:04) Doing something vs Saying something from the sidelines

(29:09) Thinking of property investment as a business

(32:40) Getting the help of a trusted expert

(34:56) Outro

-- QUOTES --

“Returns and risk go side by side. If you are looking for returns, you have to take risks.”

“Unless you are in the game, you are not in the game. From the sidelines, everything looks either tough or easy. [...] Get into the market and face the reality rather than saying something on the sidelines.”

“I don’t have the time to do the research, that’s why I’m using experts.”

“It’s a dynamic market, so there will be opportunities all the time. When people are not in, you should be getting in.”

-- CONNECT WITH NOWSHAD --

💼 LinkedIn: https://linkedin.com/in/nowshad-r-13184220

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Varun Rana is an IT engineer, a father and a property investor based in Melbourne. With no financial education, he started his journey in real estate buying a negatively geared property in the hopes of saving on tax. After realizing he had not made the best decision, he decided to get educated and started to develop his financial mindset. Nowadays, he’s building an investment portfolio for his wife and two kids along with Sanjeev’s help. In this episode of Property Uncovered, we cover how positive gearing allows you to grow your investments further, how bring your family on board with your investments, or what are some ways to expedite your progress towards financial freedom.

-- TIMESTAMPS --

(00:00) Intro

(00:52) Beginnings in real estate and buying a negatively-geared property

(04:39) The opportunity cost of not having financial education

(10:12) Leveraging debt and pursuing financial freedom

(14:27) Bringing your family on board

(18:05) Educating his children and contributing to his environment

(22:10) Take the shortcut by relying on experts

(27:28) Final words from Varun

(31:23) Outro

-- QUOTES --

• “Education is the first step [...] But if you are educated and not taking action it is the same as if you weren’t educated.”

• “My parents are great and I love them, but they never gave me financial education. So I want to give that to my kids.”

• “You want to take the shortcut. Why do you want to do things the hard way in life? If I can save ten years of my life, so be it, why not?”

“I’m building this not because I’m a very materialistic person or want bigger things. I just want finances taken care of so I can do the things I want to do in life.”

-- CONNECT WITH VARUN --

💼 LinkedIn: https://linkedin.com/in/varun-rana

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Kurt Castell is an real estate investor based in Sydney. Inspired by how his grandfather build his wealth, Kurt developed a strong interest for property from a very young age. After saving up a substantial sum through disciplined work in landscaping plus stock investing, he has already bought his second property at the tender age of 23. In this episode of Property Uncovered, we uncover the mindset that led Kurt to invest from so young, the opportunity cost of not taking action, or why he saw hiring a buyer’s agent was a no brainer for him.

-- TIMESTAMPS --

(00:00) Intro

(00:54) Saving up and developing his mindset from an early age

(04:16) Inspiration from his grandfather and defying the conventional mindset

(09:09) Starting his investment journey on other asset classes

(10:26) Hiring a buyer’s agent and how he came across Sanjeev

(15:13) First property in Albury, New South Wales

(17:11) Second property in Perth, West Australia

(18:55) High interests rates and opportunity cost

(23:28) Outro

-- QUOTES --

• “You have one life to live so why slave away all life and then when you are to old to actually enjoy it that’s when you retire? [...] That whole mindset didn’t make sense to me.”

• “I knew I wanted a way to make my money work for itself and shares were an easy way to begin, because property was such a big thing at the time it wasn’t even in my vision yet.”

• “If a thousand dollars a year is going to worry you then you shouldn’t be investing anyway.”

• “If you don’t know what you are doing, use people that do.”

-- CONNECT WITH KURT --

📸 Instagram: https://instagram.com/kurt_cb

-- CONNECT WITH SANJEEV --

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

-- FOLLOW INVESTORS DREAM --

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Amit Aggarwal is an accountant, mortgage broker, and property investor. Based in Melbourne, Amit has purchased three properties in the last 12 months, creating wealth for himself and his family. In this podcast conversation of Property Uncovered, he chats with Sanjeev about the key role of education when investing in property, why he decided to keep his property investments under different names, or how to ignore the short-term noise.

--- TIMESTAMPS ---

(00:00) Intro

(00:51) Amid’s background and his decision to invest in property

(06:11) Lack of education leads to fear

(11:10) The importance of setting the foundations right

(15:26) Understanding your options and their possible outcomes

(17:49) Playing the long-term game

(23:23) Choosing to use a buyer’s agent

(27:20) Amid’s mindset in the current volatile market

(30:47) Where we can find Amid

--- QUOTES ---

• “If you have a dollar, the bank can give you up to nine dollars to invest. Understanding those numbers being an accountant made sense to me. There’s no other asset class that you can leverage to that point.”

• “Once I understood the big picture game, events come and go. They do have an impact, but on a long-term strategy… these things will play out and get washed eventually.”

• “Fundamentally it’s buyers and sellers that define the market in the long run. Fear and greed kick in will define the nature of the market in the short term but overall I don’t believe these things have long-term ramifications for the market.”

• “No good investment will keep on going in one direction for the rest of your life. It is cyclic and it will remain cyclic.”

--- CONNECT WITH AMID ---

🌐 Website: https://amitaggarwal.com.au

📞 Book a call: https://amitaggarwal.com.au/booking/

📸 Instagram: https://instagram.com/life.beyondnumbers

🌌 Facebook: https://facebook.com/LifeBeyondNumbersAA

--- CONNECT WITH SANJEEV ---

💼 LinkedIn: https://linkedin.com/in/sahsanjeev

--- FOLLOW INVESTORS DREAM ---

👉 Website: https://investorsdream.com.au

📞 Book a call: https://investorsdream.com.au/bookcall

📸 Instagram: https://instagram.com/investorsdreambuyersagent

🌌 Facebook: https://facebook.com/investorzdream

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Welcome to Property Uncovered, the podcast for Australian property investors, hosted by Sanjeev Sah.

Sanjeev is a passionate property investor and the founder of thriving buyer’s agency Investors Dream.

One of the biggest life lessons Sanjeev has learned is that the best way to achieve success in any field – whether health, sport or property investing – is to learn from others who have already kicked goals in that area.

That’s why Property Uncovered was created – so Australian property investors can learn from others who have built wealth through property.

You’ll love Property Uncovered if – like Sanjeev – you believe in taking action and you want to create a better future for yourself and your family.

Each week, Sanjeev will interview other investors so you can learn from their successes and failures. Along the way, you’ll discover how to build a property portfolio and (slowly) acquire life-changing wealth.

Episodes are released every Tuesday at 8am (Sydney / Melbourne time).