PODCAST · business
Sam Black Sessions
by Sam Black
Chats with the good people
Episodes
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Development Insight - Ep 61
Sam and Ryan unpack Henderson’s Yield Acceleration Method (YAM) and why secondary dwellings have become such a powerful property investment strategy. They discuss how adding a high-quality secondary dwelling can increase rental income, reduce holding costs and help investors stay in the market...
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Money Chats - Ep 48
We’re joined by Brendan Lowbridge to unpack one of the biggest challenges facing property investors today: borrowing capacity. With lending rules tightening and serviceability becoming a major roadblock, we discuss why earning more income may be more important than simply finding the perfect...
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Development Insight - Ep 60
In this episode of Development Insight, Ryan Houston & Sam Black dives into the fundamentals of creating value in the luxury property market. We explore how developers assess comparable sales, square metre rates, scarcity, views, amenities and buyer demand when purchasing development sites. Ryan...
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Development Insight - Ep 59
In this episode, Ryan Houston and Sam Black unpack key insights from Urbanity and the Gold Coast development market. They discuss the region’s strong growth, pro-development environment and emerging opportunities in areas like Southport. The conversation covers rising construction costs, finding...
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Money Chats - Ep 47
In this episode of Money chats, Brendan Lowbridge and Sam Black unpack the role valuations play in property development and construction finance. They discuss why valuations can fall short in changing markets, how build cost increases and upgrades can impact lending, and why comparable sales are...
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Development Insight - Ep 58
In this episode of Development Insight, Ryan Houston and Sam Black discuss why market uncertainty can create some of the best opportunities for property investors and developers. They break down the difference between A-grade and C-grade properties, explain why understanding vendor motivation is...
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Money Chats - Ep 46
In this episode, we unpack the latest changes to self-managed super funds (SMSFs) and what they mean for property investors. We explain why there’s been a surge in buyers racing to secure residential property before the new rules take effect, while highlighting the opportunities that remain in...
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Development Insight - Ep 57
In this episode of Development Insights, we discuss why successful property investors and developers must adapt as the market evolves. From the decline of property flipping to the rise of secondary dwellings and single-level villa developments, we explore how changing construction costs, interest...
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Money Chats Ep 45
Brendan Lowbridge returns to unpack the recent negative gearing changes and their ripple effects across the property market. He and Sam break down how removing negative gearing benefits has slashed borrowing capacity by 20-30%, hitting mum-and-dad investors and aspiring upgraders hardest, while...
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Development Insight- Ep 56
In this episode of Development Insights, we dive into one of the biggest challenges in property development — understanding the numbers. We discuss why a feasibility is never an exact science, but rather a calculated estimate built around comparable sales, construction pricing, experience, and…
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Development Insight - EP 55
In this episode, Sam and Ryan unpack the key traits that separate successful property developers from the rest. They dive into the importance of vision, persistence, risk management, attention to detail, and decisiveness, sharing real-world examples from their own development journeys. From…
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Development Insight - EP 54
In this episode of Development Insight, Ryan Houston and Sam Black unpack the biggest mistakes developers make when underestimating a project. From build costs blowing out, hidden site costs, and builder variations, through to delays killing profit margins and poor sales strategies hurting the...
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Money Chats Ep 44
This episode, we unpack the real side of construction finance — the wins, the risks, and where deals can fall over. We dive into: • Why valuations can make or break your project • The biggest mistake first-time developers make (going too early) • Fixed price vs cost-plus contracts — what actually...
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Development Insight - Ep 53
Big shifts are happening across Newcastle and Lake Macquarie — and this episode dives straight into what’s coming and what it actually means on the ground. We unpack the approved Broadmeadow masterplan (20,000+ homes, mixed-use precinct, high-rise living), the reality of high-speed rail, and how...
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Development Insight Ep 52
In this episode, we break down how rising oil prices are quietly driving up construction costs—and what that means for property investors and developers. From massive increases in materials like PVC to higher fuel and labour costs, builds are becoming more expensive almost overnight. That…
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Money Chats - Ep 43
Sam Black is joined by Brendan Lowridge for a deep dive into what’s really happening with interest rates, inflation, and buyer sentiment right now. They unpack the RBA’s recent rate moves, why the market has shifted so quickly in just a couple of weeks, and how government spending and global...
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Development Insight Ep 51
In this episode of Development Insights, we discuss the risks and realities of engaging builders for new builds and developments, including fixed-price vs cost-plus contracts, hidden variations, and why turnkey quotes matter. We also unpack granny flat strategies, valuation risks, and how the…
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Money Chats - Ep 42
In this episode, Sam sits down with Brendan Lowbridge to unpack real-life deals where valuations nearly killed the project. From off-market purchases coming in tens of thousands under value, to properties being classed as boarding houses due to multiple leases, the conversation dives into how...
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Development Insight Ep 50
Subdivision sites can look like gold on paper, but not every deal stacks up. In this episode of Development Insights, Sam and Ryan break down the reality behind corner blocks, battle-axe blocks, granny flats, and small developments, and explain why feasibility is everything. They discuss when it...
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Development Insight - Ep 49
In this episode of Development Insights, Sam and Ryan dive into the different types of developers in today’s market and how risk appetite, strategy, and timing can completely change the way a project stacks up. From quick-turn developments to long-term land banking, they discuss why some buyers…
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Money Chats - EP 41
In this episode of Money Chats with Brendan Lowbridge from Money Links, we unpack the recent shake-up in trust and company lending. Major banks have tightened policies, reduced options, and blown out approval times, leaving many investors caught off guard—even with pre-approvals in place. We…
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Development Insight - EP 48
In episode two of 2026, we dive deep into what it really means to be deal ready and how to consistently find quality property opportunities. We unpack having the right structure set up, finance organised, conveyancers and consultants on standby, and why relationships with agents give you a…
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Development Insight Ep 47
We’re back for 2026 and kicking things off in the new (almost finished) podcast studio with Ryan Houston for a deep dive into one of the biggest decisions developers face: volume builders vs custom builders. In this episode, we break down: • Why your end buyer should always come first and how…
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Money Chats Ep 40
Sam Black and Brendan Lowbridge unpack SMSF
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Development Insight Ep 46
In this episode, Sam Black and Ryan Houston dive deep into the hidden costs that can blindside even experienced property developers. From surprise DA conditions to mine subsidence blowouts, they share real-life stories and practical lessons from projects across Newcastle. You’ll hear how a simple...
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Money Chats Ep 39
In this episode, Sam Black sits down with Brendan Lowbridge from MoneyLinks to unpack how aspiring developers can make the leap from renovating to their first small-scale development, such as a duplex project. They explore why many investors—despite having strong equity positions—struggle to...
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Development Insight - Ep 45
In this episode of Development Insights, Sam Black and Ryan Houston reflect on two years of consistency—both in recording the podcast and in their own property businesses. They dive into how staying disciplined, even through uncertainty, has been the key driver of growth and bigger opportunities....
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🎙️ Money Chats Ep 38
Hosts: Sam Black & Brendan Lowbridge In this episode of Money Chat, Sam and Brendan dive deep into the realities of financing small-scale property developments — from duplexes and triplexes to boutique townhomes. They unpack why the big banks often treat construction loans like home loans, the...
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Development Insight – Episode 44
In this episode of Development Insight, Sam Black and Ryan Houston dive into one of the most overlooked risks in property development—zoning changes. They unpack why proposed zoning shifts on development sites may not always be feasible, especially when councils and resources don’t align with...
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Development Insight - Episode 43
In this episode, I sit down with Ryan Howston to unpack the real highs and lows of property development. From the importance of cash flow and buffers, to lessons learned through wins and losses, we dive deep into why scaling up requires more than just capital—it’s about strategy, longevity, and...
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Development Insight - Episode 42
An inside look at the “thrill of the chase” in property development — from spotting the perfect site to making smart, logical offers that beat emotional buyers without blowing your margins.
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Money Chats Ep 37 (with Brenden Lowbridge)
In this episode, we dive deep into the world of subdivisions and how savvy investors can manufacture equity and fast-track their portfolio growth. From deciding whether to buy in your personal name or through a trust or company, to understanding how to finance not just the purchase but also the...
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Development Insight - Episode 41
Development Insight with Ryan Houston
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Money Chats Ep 36 (with Brenden Lowbridge)
Money Chats Ep 36 (with Brenden Lowbridge)
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Development Insight - Episode 40
Development Insight with Ryan Houston
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Development Insight - Episode 39
Development Insight with Ryan Houston
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Money Chats Ep 35 (with Brenden Lowbridge)
Money Chats Ep 35 (with Brenden Lowbridge)
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Development Insight - Episode 38
In this episode of Development Insights, we sit down with Ryan Houston to unpack the real challenges first-time developers face—particularly navigating the DA and CC process in NSW. We dive into key differences between a DA (which sets what you can do) and a CC (how you actually do it), the...
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Money Chats Ep 34 (with Brenden Lowbridge)
In this episode, Sam and Brendan break down Labor’s new first homebuyer policies following the federal election. Key changes include a $1.5M purchase cap, no income threshold, and the Help to Buy scheme, where the government co-owns up to 40% of a home to boost affordability. They explore how…
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Money Chats Ep 33 (with Brenden Lowbridge)
In this episode, Sam and Brendan break down the real financial journey of a development project—from buying land to securing construction finance and managing interest costs. Using a $2 million duplex example, they explore the equity requirements, borrowing strategies, and key timing factors that...
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Development Insight - Episode 37
Development Insights with Sam Black & Ryan Houston In this episode, Sam and Ryan dive into the importance of due diligence when assessing development sites. They explore how overlays like flood zones, bushfire risks, and heritage restrictions can dramatically affect what’s possible on a block—and...
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Money Chats Ep 32 (with Brenden Lowbridge)
In this episode of Money Chats, Sam sits down with finance expert Brendon Lowbridge to unpack the myths around serviceability for business owners. They dive into how lenders assess income from salary, profit, and one-off expenses — and how recent lender policy changes now allow some self-employed...
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Money Chats Ep 31 (with Brenden Lowbridge)
Buying property in Australia while earning overseas? We cover deposit requirements, lender buffers, currency conversions, and key tax tips. Tune in to make your investment smoother!
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Money Chats Ep 30 (with Brenden Lowbridge)
Brendan Lowbridge joins us to break down the latest interest rate cut, its impact on borrowing power, and shifting market sentiment. We discuss lender competition, buyer confidence, and what to expect in the property market. A must-listen for buyers, sellers, and investors!
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Development Insight - Episode 36
Development Insights with Sam Black & Ryan Houston. This podcast covers two major property market shifts: the recent interest rate drop, boosting buyer confidence, and the Low-Medium Density Residential (LMR) reform in NSW. The hosts discuss how zoning changes in areas like Lake Macquarie and...
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Money Chats Ep 29 (with Brenden Lowbridge)
In this episode Brendan Lowbridge explores interest-only vs. principal and interest loans, highlighting cash flow benefits, offset accounts, and debt reduction strategies. He emphasizes leveraging investments to accelerate loan payoff and maximize financial growth through property appreciation.
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Development Insight - Episode 35
Development Insights with Sam Black & Ryan Houston explores property development strategies, financial risk management, and the mindset for success. We discuss leveraging debt, stepping out of comfort zones, and building networks through public speaking. Tune in for expert insights on growing...
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Money Chats Ep 28 (with Brenden Lowbridge)
In this episode, we dive into construction finance with Brendan Lowbridge, exploring how to fund property developments—from granny flats to larger projects. We break down financing options, including equity release loans and construction loans, explaining how banks assess serviceability, rental...
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Money Chats Ep 27 (with Brenden Lowbridge)
Join us for a high-energy episode of Money Chats with Brendan Lowbridge as we dive into the world of rentvesting. Unpack the pros and cons of renting where you live while investing in property, strategic wealth-building, and how to avoid common financial pitfalls. A must-listen for savvy property...
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Development Insight - Episode 34
Welcome to Development Insights with Sam Black & Ryan Houseton, your go-to podcast for navigating the world of property development. From exit strategies and profit margins to creative financing and market trends, Ryan shares actionable advice and real-world examples to help developers at every...
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