Why Finance Structure Is The Game Changer for Building Portfolios with Ross Kilpatrick

Julie Crockett hosts the Buyer Agent Networks podcast with guest Ross Kilpatrick from the loan structuring group, discussing why loan structuring for property investors matters beyond simple loan approval. Ross explains loan structuring as choosing the right lender, security, borrower structure, LVR, and product/interest type, noting needs differ for first-time investors versus clients building larger portfolios. They emphasize that buyer's agents should understand the basics because structure affects borrowing capacity and future purchases, enabling repeat deals and referrals, and that brokers and buyer's agents must communicate and revisit strategy as variables change. Ross shares common issues: buyer agents setting unrealistic expectations (e.g., granny flat plans or trust/SPV lending requirements), pushing clients to max borrowing, and agreeing to tight settlements without lender checks. He says he enjoys educating first-time investors and shares examples of clients growing from zero to multiple properties. Ross also mentions he enjoys DIY woodworking and renovating his Sydney home. TOPICS DISCUSSED 01:15 Meet Ross Kilpatrick 02:17 Ross Background And Path 04:02 Loan Structuring Explained 06:11 Explain Your Value 08:41 Working Together Long Term 10:58 Common Finance Mistakes 15:08 Communication And Settlement Risks 16:54 What Fulfillment Looks Like 18:38 First Time Investor Success Stories 21:28 DIY Side Of Ross  RESOURCES MENTIONED Connect with Ross  LinkedIn | https://www.linkedin.com/in/ross-w-kilpatrick/  Website | https://structuring.com.au/loanstructuring/  Connect with Julie  LinkedIn | www.linkedin.com/in/juliecrockett  Visit the website here for the Buyer's Agent Course and join the Waitlist: https://buyersagentcourses.com.au  Subscribe to the Buyer's Agent Networks Podcast here: https://bit.ly/follow-buyers-agent-podcast  Forward this episode to a friend: https://drive.google.com/file/d/1wPYOCU31nV0CBSfzu1q05V00m3WtVDmK/view?usp=sharing  Get the '23 FAQS Property Investors Ask A Buyer's Agent' free download here: https://buyersagentcourses.com.au/join-the-buyers-agent-network/