Our Borrowing Strategy REVEALED: How We Keep Buying Properties

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingProperty investing has changed. So should your strategy.In this episode, Joel and Brodie break down how the Australian property market, lending landscape and tax changes have forced them to rethink the way they build their personal portfolios. They unpack the shift from houses to villa units and apartments, why higher rental yields are becoming more important, how tighter lending is affecting borrowing capacity, and why having the right accountant, broker and buying strategy around you can make all the difference.They also explain why they believe there are still strong buying opportunities in 2026, how to identify markets that are early in their growth cycle, why rent vesting can help investors build a larger portfolio, and what they would do if they were starting from scratch today.Why tradies need to watch this:• Understand why the property strategy that worked five years ago may not work today.• Learn why yields and cash flow matter more under the current tax and lending environment.• See how Joel and Brodie's own portfolios have evolved from houses to villa units and apartments.• Understand how bank valuations can affect your ability to access equity and keep buying.• Learn why the right accountant and mortgage broker are essential as your portfolio grows.• Discover how rent vesting can preserve borrowing capacity and help you build wealth faster.• Learn how to identify markets that are still early in their growth cycle.Timestamps0:00 – How property investing has changed2:44 – The shift in rental yields5:00 – Why affordability has changed the game6:00 – Why investors need to pivot their strategy8:03 – Why banks are valuing properties differently9:30 – The evolution of Joel & Brodie's portfolios11:20 – Why higher yields matter more as your portfolio grows12:45 – Why apartments are becoming more attractive15:45 – Structuring your portfolio with the right professionals17:30 – Bringing your broker and accountant together19:00 – Lending, borrowing capacity & rent vesting21:30 – Why buying a home can limit your portfolio23:00 – Why property investing isn't dead24:30 – Finding markets that are still in their growth cycle25:45 – Why yields matter more than ever27:00 – Men's Finance Questions28:00 – What would you do with an $800K first home?29:00 – $90K, no job & buying a boat30:00 – Rapid Fire: Houses vs apartments30:45 – How much harder is lending today?31:15 – Markets still showing strong growth31:45 – The biggest structuring mistakes investors make32:45 – Is property investing still worth it in 2026?34:00 – How to identify markets still in their growth cycle35:00 – Is negative gearing actually dead?36:00 – What surprised them most about lending changes37:00 – Outro