PODCAST · business
First Time Property Investor
by Imtiyaz Rather
Thinking about buying your first investment property? Or wondering how buying your first home could shape your investment plans?First Time Property Investor (FTPI) helps you make sense of the choices, trade-offs and advice that come before Investment #1. FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.Join Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property) for perspectives across finance, buying and ownership.Explore more ➜ www.ftpi.com.au
Episodes
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S2E31 - What Does A Property Manager Actually Do? FTPI Explained
In this episode Buying the property was just the beginning. Now you need to manage it. In this episode, Skye breaks down what a property manager really does beyond collecting rent, the fees first-time investors often don’t see coming, and the risks of trying to self-manage. A clear, practical…
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S2E30 - Should You Use A Buyers Agent? FTPI IRL
In this episode Would you pay $18,000 for a buyer's agent? What if you had plenty of time to search yourself, or the fee meant buying a cheaper property? In FTPI IRL, Imti puts four first-investor situations to Pete and Skye and asks them to make the call. Their answers aren't always the same…
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S2E29 - Buyers Agents Explained: What Do They Actually Do (And Cost)?
In this episode What are you actually paying for when you hire a buyer's agent? Pete breaks down what they do, what the fee can cover and how to tell whether someone is worth considering. We also talk about who they work for, the questions to ask before signing and why off-market deals aren't...
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S2E28 - A Case Study: Should You Use A Parental Guarantor To Buy Your First Investment Property?
In this episode Jess wants to buy her first investment property, and her parents could help with the deposit. But should she take them up on it? In this FTPI IRL episode, Imti puts four versions of her situation to Pete and Skye, changing the numbers or family circumstances each time. The...
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S2E27 - Parental Guarantors Explained: What Mum and Dad Are Really Signing Up For
In this episode Mum and Dad might be willing to help you buy, but what are they actually signing up for? Imti explains how a parental guarantor works, what it can and can't help with and the questions both sides should understand before agreeing. Including how parents might eventually come off…
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S2E26 - Where Should I Buy? The One Number We'd Bet On Every Time
In this episode If you could only check one number before choosing a suburb, what would it be? Imti and Pete make the case for looking at how many homes are lived in by their owners, and what that might tell you about demand. They also explain where the number can be misleading and what else…
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S2E25 - Our Biggest Property Mistakes: 30 Years of Lessons in One Episode
In this episode The strange thing about our biggest property mistakes? They all felt like sensible decisions at the time. Pete talks about chasing bigger blocks, Imti about researching himself into false confidence, and Skye about buying something that felt safe. We look at what we'd do…
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S2E24 - Should You Buy Commercial Property? The Three L's You Need to Stress-Test First
In this episode Commercial property can look tempting when you see the rental income. But what happens if the tenant leaves, or you need to find another one? Imti and Pete work through the three Ls—lease, location and lending—and the costs and risks worth understanding before deciding whether...
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S2E23 - Should You Buy An Apartment? Top Three Questions To Ask Yourself First
In this episode An apartment can look affordable on paper. But have you worked out what it really costs to own, and who might buy it from you later? Imti and Pete look at strata costs, rental income and the types of buildings worth a closer look, then share three questions they'd ask before…
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S2E22 - Top Ten Questions Clients Are Asking About The Recent Tax Changes (Part 2)
In this episode Do the tax changes mean you should rethink buying an investment property? Not necessarily, but the details of what you buy still matter. In part two, we answer more client questions about property selection, rental demand, timing and whether paying a buyer's agent makes sense....
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S2E21 - Top Ten Questions Clients Are Asking About The Recent Tax Changes (Part 1)
In this episode With so much being said about the property tax changes, it's no surprise people have questions. In part one, we work through five questions clients have been bringing to us, including whether property still makes sense, what happens to plans for more than one investment and…
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S2E20 - How to Know What’s Enough: Ikigai and Aligned Property Investing
In this episode How many properties would actually be enough for the life you want? Imti takes Pete through Ikigai, a way of thinking about what matters to you, and they question why investing goals so often turn into chasing the next purchase. It's a conversation about having a reason to invest,...
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S2E19 - Unpacking Three Lies Property Influencers Keep Telling Their Audiences
In this episode Work harder. Buy more properties. Anyone can do it. You've probably heard some version of that advice. But how much depends on the person giving it, where they started and what they're trying to sell? We pull apart three popular property messages and explain why the same path...
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S2E18 - You've Invested For 10 Years... Now What?
In this episode Pete's nearly ten years into investing, with eight properties behind him. So why is he questioning what to do next? Imti puts him on the spot about buying commercial property versus shares, the costs and risks involved, and whether owning more property is even the right goal....
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S2E17 - Changes To SMSF Lending: Why the New Rules Might Be a Blessing in Disguise
In this episode Just because you can use your super to buy property, does that mean you should? Imti and Pete look at the lending changes discussed in this episode, who they could affect and why rushing to beat a deadline isn't much of an investment strategy. We also talk through the costs and...
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S2E16 - The Dark Side Of Investing: How A One-Stop Property Shop Lost Our Client $350,000 Of Equity (Part 2)
In this episode The worrying part of Julia's story is how many of the warning signs looked helpful at the time. In part two, we unpack ten things that went wrong, from referral arrangements and pre-filled contracts to the way her purchases and loans were put together. It's a story about what can...
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S2E15 - The Dark Side Of Investing: How A One-Stop Property Shop Lost Our Client $350,000 Of Equity (Part 1)
In this episode Julia had worked hard to build a strong financial position. Then, within weeks of attending a property seminar, she'd signed two contracts without the usual purchase conditions. In part one, we share how she ended up there, who she trusted along the way and the decisions that left...
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S2E14 - Should You Buy New Or Established? (Part 2)
In this episode How long do you plan to keep the property? That might change whether buying new or established makes sense. In part two, we look at timing, borrowing, ongoing costs and the risks worth thinking through, including how the budget changes discussed in the episode could affect the...
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S2E13 - Should You Buy New Or Established? (Part 1)
In this episode New property or established property? The answer isn't as simple as one being better than the other. In part one, we look at where a new build sits, what's already around it and how to spot the difference between genuine buyer demand and a great-looking sales brochure. We finish...
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S2E12 - Investor Confessions: What Property Investing Really Looks Like
In this episode Pete's bought eight properties, and there are a few decisions he'd love to have back. From selling a Perth property before its later growth to managing tenants himself and walking away from deals over small amounts, he talks through what experience has taught him. Including why…
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S2E11 - 12 Questions First-Time Investors Ask About Buyers' Agents
In this episode How do you know whether a buyer's agent is worth paying for? And how can you tell if they're really working for you? Pete answers 12 questions first-time investors ask, covering fees, who pays the agent, off-market properties and how much control you keep. Including what he'd ask...
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Budget 2026: What Changed, What’s Clickbait, What Matters Next
In this episode There's a lot being said about the 2026 Budget and what it could mean for property investors. So what was actually proposed, and what was still uncertain when we recorded? Imti works through ten common claims, six investor situations and a longer-term example to show how different...
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S2E10 - 12 Things You Can't Do As A Landlord, That You Probably Thought You Could
In this episode You might own the investment property, but someone else calls it home. And that changes what you can do with it. Skye walks through 12 things landlords often misunderstand, from pets and repairs to access, rent increases and ending a tenancy, using South Australian examples. It's…
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S2E9 - So You've Found A Property... Now What?
In this episode You've found a property that looks right. What should happen between spotting the listing and making an offer? We work through five steps, from checking the location and recent sales to deciding what you're comfortable paying and having the right conversations with the agent. So...
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S2E8 - Debunking 7 Property Myths: What First Time Investors Need to Know
In this episode Bigger blocks are always better. Property is passive income. More properties mean more wealth. Heard any of those before? We take on seven common property beliefs and look at where they fall apart, with perspectives from buying, finance and managing rentals. The aim isn't to…
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S2E7 - Deep Dive On Diversification: Should You Buy One Expensive Property, Or Two Cheap Ones?
In this episode If you had $800,000 to invest, would you buy one property or two? We work through a real client situation and compare what each option means for maintenance, rental income, tenants and long-term growth. Owning more properties might sound like better diversification, but it depends...
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S2E6 - The Cost Of Waiting: When Playing It Safe Quietly Becomes Risky
In this episode Waiting to buy can feel like the safer option. But how do you know whether you're being careful or just putting off the decision? We share a client story where waiting 18 months meant facing a much higher purchase price, then work through the difference between taking a sensible...
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S2E5 - How To Build A Portfolio Without Sacrificing Your Lifestyle
In this episode Can you buy an investment property without putting the rest of your life on hold? We walk through our five-step Go To Sleep Framework, looking at what you want life to look like, how much a property might cost you to hold and what sort of buffer helps you feel comfortable. It's...
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S2E4 - The Top 20 Questions First-Time Investors Are Asking ChatGPT
In this episode We took 20 questions first-time property investors are asking ChatGPT and gave them to three people who work in property every day. From how much cash you really need to what to check before making an offer, we tackle the questions across finance, buying and owning a rental. Some...
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S2E3 - Interest Rate Hikes, CGT Rumours, and Analysis Paralysis: How Potential Investors Can Look Beyond The Headlines
In this episode Another rate rise. Another round of property headlines. But what do the numbers actually mean for your plans? We put a rate increase into dollars using a $700,000 loan example, talk about why landlords can't simply pass every cost on to tenants and look at how to make decisions…
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S2E2 - Four Flags That Aren't Necessarily Red
In this episode You've found a property you like, then the building report comes back with a list of problems. Do you walk away? We look at four things that can seem like automatic dealbreakers but deserve a closer look, including inspection findings, loan decisions, easements and termites....
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S2E1 - New Year, New Podcast! Pivoting From Debunking Toxic Property To Mentoring First (and Second) Time Property Investors
In this episode New name, new direction, and a clearer idea of who we're here to help. We're moving from Toxic Property to First Time Property Investor, with a bigger focus on the decisions that come before your first investment. Imti, Pete and Skye talk about realistic goals, finding good people...
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EP34 - Real Estate Reality Check: Three Expensive Lessons We Learned The Hard Way (So You Don't Have To)
In this episode Between us, we've bought more than 15 properties. And we've made a few decisions we'd do differently. We share three lessons from our own investing journeys, from buying on emotion to thinking about debt and how different properties fit together. The point isn't that you'll never...
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EP33 - Rents Are Going Down: What You Need To Know To Protect Your Investment
In this episode The rent you want and the rent someone will actually pay aren't always the same thing. We look at softer rental conditions, what vacancy can cost an investor and why getting the asking rent right matters. Skye also explains what she's seeing on the ground compared with the broader...
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EP32 - Unmasking Auction Price Guides: The Truth Behind the Strategy
In this episode Imagine turning up to bid and the auction takes off before you even get a chance. We walk through a real client auction where that happened to many of the buyers, looking at price guides, preparation, bidding tactics and what the experience reveals about setting expectations…
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EP31 - First Home Guarantee Scheme Changes: Insights From The Front Line
In this episode More buyers are turning up at open homes. But there aren't suddenly more houses to choose from. We share what we saw in the first two weeks after the First Home Guarantee changes, from busier inspections to stronger competition and the pressure buyers were feeling to get organised...
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EP30 - Selling Season (Part 5): Using The LOANS Framework To Get Finance Ready
In this episode Before you start making offers, how ready are you to borrow? We walk through Imti's five-step LOANS framework, from getting your finances and documents in order to understanding what you can afford, choosing the right loan setup and securing pre-approval. (00:00) - Introduction to...
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EP29 - Selling Season (Part 4): Nine Things You Need To Know About Negotiation
In this episode Sometimes what you don't say matters as much as what you offer. We share nine negotiation ideas, including when to stay quiet, how agents respond to different offers and why the number you put forward can matter. It's about understanding the conversation, not assuming there's one...
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EP28 - Selling Season (Part 3): Mastering The Private Treaty Process
In this episode Not every property sells at auction. So what happens when you're negotiating an offer directly with an agent? We walk through private treaty sales, from understanding the process to setting your limits, asking the right questions and making an offer that works for you. (00:00) -...
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EP27 - Selling Season (Part 2): Top Seven Things To Know About Auctions
In this episode Auction day moves quickly, and it's not the place to start figuring out what you can afford. We break down what to understand before bidding, from finance and price guides to auction tactics and what happens if you're the winning bidder. (00:00) - Introduction and Setting the…
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EP26 - Welcome To Selling Season (Part 1): Nine Expert Tips To Help You Make The Best Moves This Spring
In this episode The perfect property probably doesn't exist. So what should you focus on instead? We kick off the selling season series with three tips each from Pete, Imti and Skye, covering buyer expectations, borrowing decisions, rental pricing and getting a property ready for market. (00:00)…
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EP25 - Around The Grounds: How To Navigate A Rapidly Changing Market
In this episode Why are renovated homes attracting attention while properties that need a bit of work get overlooked? Pete, Skye and Imti compare what they're seeing across buying, renting and finance, including changing buyer expectations, vacancy rates and the costs investors sometimes...
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EP24 - Home Guarantee Scheme Changes: Are First Home Buyers Saved, or Screwed?
In this episode When more people can buy with a smaller deposit, what happens to everyone competing for the same homes? We look at the First Home Guarantee changes being introduced at the time, including higher price caps, possible buyer competition and what the changes could mean for people...
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EP23 - Rentvesting (Part 2): Strategies, Benefits, and Key Considerations
In this episode So you've decided rentvesting might work for you. What would a good plan actually look like? In part two, we talk about keeping living costs manageable, deciding where to buy and working out what you want the investment to do for your life. We also ask whether rentvesting needs to...
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EP22 - Buying Entry-Level Property: The Yield That Slaps, Or The Trap That Snaps?
In this episode A cheaper investment property with great rent can look like a bargain. But what's behind the numbers? Pete and Skye look at entry-level suburbs around Adelaide, including Gawler and Playford, and talk through rental demand, neighbourhood changes, maintenance and the risks that can...
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EP21 - Rentvesting (Part 1): Smart Strategy or Costly Mistake?
In this episode What if you kept renting where you wanted to live and bought an investment property somewhere else? That's rentvesting, and it can make sense for some people but not everyone. In part one, we look at the trade-offs, real client examples and how to tell whether the idea is worth...
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EP20 - Three Property Opinions That'll Get Us Canceled
In this episode Do you really need to give up every little luxury to buy a home? And is owning your own home still the goal everyone should be chasing? Pete, Imti and Skye each bring a property opinion they're willing to argue for, from avocado toast and the Australian dream to landlords who…
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EP 19 - Buying Tenanted Properties: Instant Income or Instant Regret?
In this episode Buying a property with tenants already in place sounds convenient. Rent coming in from day one, right? But you're also taking on an existing tenancy, and there are things worth checking before you sign. Skye, Pete and Imti talk through rental pricing, inspection records, tenant...
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EP 18 - Top 5 Million Dollar Mistakes First-Time Property Investors Make
In this episode A tax deduction might be nice, but it's not a reason to buy a property. We work through five mistakes first-time investors make, including chasing rental income, only looking close to home and buying without a clear plan for what comes next. The common thread? Know why you're…
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EP17 - Top 5 Mistakes First Home Buyers Make (That Cost You More Than You Think)
In this episode It's easy to focus on the purchase price and forget what owning a home will actually cost. We work through five common first-home buyer mistakes, from trusting the selling agent too much to overlooking repairs, repayments and the famous Bunnings fund. Useful whether you're buying...
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ABOUT THIS SHOW
Thinking about buying your first investment property? Or wondering how buying your first home could shape your investment plans?First Time Property Investor (FTPI) helps you make sense of the choices, trade-offs and advice that come before Investment #1. FTPI Explained breaks down the concepts. FTPI IRL puts realistic first-investor scenarios to the test, showing what changes the decision and why.Join Imtiyaz Rather (Hack Mortgages), Pete Theodorou (Mindset Property) and Skye Taylor (Taylored Property) for perspectives across finance, buying and ownership.Explore more ➜ www.ftpi.com.au
HOSTED BY
Imtiyaz Rather
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Frequently Asked Questions
How many episodes does First Time Property Investor have?
First Time Property Investor currently has 66 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is First Time Property Investor about?
Thinking about buying your first investment property? Or wondering how buying your first home could shape your investment plans?First Time Property Investor (FTPI) helps you make sense of the choices, trade-offs and advice that come before Investment #1. FTPI Explained breaks down the concepts....
How often does First Time Property Investor release new episodes?
First Time Property Investor has 66 episodes. Check the episode list to see recent publication dates and frequency.
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You can listen to First Time Property Investor on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts First Time Property Investor?
First Time Property Investor is created and hosted by Imtiyaz Rather.
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