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No B.S. Property Investing
Welcome to The No B.S. Property Investing podcast (brought to you by Ripehouse Advisory) - where data replaces guesswork and strategy beats speculation.
Join your host, Julian Nicolitsis (Head of Strategy at Riphouse Advisory), as we cut through all the property investing fluff and nonsense - bringing you proven strategies helping everyday Australians build legitimate property portfolios.
Each episode delivers actionable intelligence on what actually moves the needle.
We also expose the costly mistakes that trap first-time investors and share the data patterns that predict sustainable growth.
Whether you're comparing rentvesting returns, decoding interest rate impacts, or understanding why most property investors never buy a second property - you'll get the unfiltered, no B.S. truth backed by real numbers.
Hit subscribe for data-driven property investing insights and tips that successful investors use. New episodes drop every week.
Your first investment property is closer than you think.
No B.S. Property Investing
Investment Property Loans EXPLAINED: What Lenders Don’t Tell You!
Thinking about buying an investment property in Australia, but unsure how to structure the loan or choose the right investment property lenders?
In this episode of The No B.S.Property Investing Podcast, we break down exactly what it means to be finance ready - before you borrow, before you structure a loan, and before you talk to any investment property lenders.
Whether you're a first-time investor or growing your portfolio, this episode gives you the no-nonsense framework for understanding investment property loans, how to structure them properly, and how to avoid the costly investment property finance mistakes most buyers never see coming.
We dive deep into:
✅ Choosing between interest-only vs principal & interest
✅ Understanding borrowing capacity (and why it’s often misleading)
✅ The truth about offset accounts vs redraw
✅ How to use equity safely when buying an investment property
✅ When to fix your rate vs stay variable
✅ How to build a finance structure that supports future purchases, not blocks them
✅ Why the wrong loan structure can cost you tens of thousands in tax and missed opportunity
If you’re searching for guidance on how to finance your investment properties and how to work with the right lenders, this episode is essential listening.
Key Moments:
00:01:00 Finance Ready Fundamentals
00:04:00 Interest Only
00:09:00 Offset Accounts
00:13:00 The Truth About Borrowing Capacity
00:17:00 Using A Guarantor
00:22:00 Structure Before Purchase
00:25:00 Common Upgrade Trap
00:29:00 Equity Release Tactics
Want to structure your home loans like you actually plan to build wealth? This episode gives you the financial foundations that most borrowers wish they'd learned before buying property one.
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👉Get In Touch With ALIC
https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up
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👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:
https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025
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✅About Mark From ALIC✅
Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.
Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.
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✅About Ripehouse Advisory✅
Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.
With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.
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✅Contact Ripehouse Advisory✅
https://www.ripehouseadvisory.com.au/
#PropertyInvestingAustralia #Rentvesting #RealEstateAustralia