The Property and Lending Podcast

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/[email protected]/?ismsaljsauthenabled⁠In Part 1 of this episode, host Lee Rosenfeld from Innovative Home Loans sits down with buyers agent Mitch Keen from Keen Acquisitions to break down how to buy property without overpaying in today’s competitive Australian market.Mitch shares his journey from a long-term career in television to building a successful buyers agency, offering a real and honest look at what it takes to step away from stability and pursue a new path in property. His experience highlights the importance of playing the long game, building relationships, and developing the confidence to make high-stakes decisions in a fast-moving industry.This conversation dives into the biggest mistakes buyers make when entering the market, particularly around relying on price guides, letting emotion drive decisions, and navigating high-pressure auction environments. Lee and Mitch unpack how buyers can approach property with a clear strategy, understand true market value, and avoid the common traps that often lead to overpaying.They also explore the growing demand across areas like the Central Coast, with more Sydney buyers relocating for lifestyle and affordability, and what that shift means for first home buyers, families, and investors trying to get into the market. The episode highlights the real value a buyers agent can bring, from accessing off-market opportunities to negotiating effectively and knowing when to walk away from the wrong deal.If you're looking to buy your first home, upgrade, or invest, this episode offers practical, real-world insights to help you make smarter property decisions and navigate the market with confidence. If you enjoyed today's episode make sure you follow ‘The Property and Lending Podcast’ to be notified when part 2 is uploaded. Lee Rosenfeld | Innovative Home Loans⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠Mitch Keen | Keen Acquisitions https://www.keenacquisitions.com.au/mitch-bio-1***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/[email protected]/?ismsaljsauthenabled⁠In this episode, we continue the conversation with guest Steve Palise from Palise Property, diving deeper into the real strategies behind building wealth through property. This discussion breaks down the key differences between commercial and residential investing, helping you understand when each approach makes sense based on your financial goals, risk profile, and borrowing capacity.Lee Rosenfeld the host, and Director of Innovative Home Loans explains how buyers agents' actually assess deals, from yield versus capital growth to lease length, tenant quality, and long-term asset selection. Steve explains the truth about net vs gross yield, why commercial property can deliver significantly higher cashflow, and the common misconceptions investors have when comparing it to residential property.You’ll also learn how mortgage brokers and lending strategies play a critical role in shaping your property journey, including how borrowing capacity, leverage, and finance structures impact your ability to scale a portfolio. The episode further explores self-managed super funds (SMSFs), rentvesting, and how to align your investment strategy with both financial outcomes and lifestyle goals.This episode is a must listen for anyone working with a buyers agent, considering commercial property, or looking to better understand how money, lending, and property strategy all connect to build long-term wealth.Lee Rosenfeld | Innovative Home Loans⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠Steve Palise | Palise Property https://www.paliseproperty.com/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/[email protected]/?ismsaljsauthenabled⁠In this episode, Lee Rosenfeld from Innovative Home Loans sits down with property expert and buyers agent Steve Palise from Palise Property to break down the real strategies behind building wealth through property. From residential investing to commercial property opportunities, Steve shares how he built his own portfolio and went on to complete thousands of property acquisitions for clients.Lee and Steve discuss the key differences between residential and commercial property investing, including cash flow, leverage, lending restrictions and long-term capital growth. Steve explains why many investors start with residential property but later move into commercial assets to increase passive income and accelerate their financial goals.The conversation also explores how to set realistic wealth targets, the role a buyer's agent can play in building a portfolio, and how mortgage strategy and borrowing capacity can shape your property journey.If you’re interested in property investing, working with a buyers agent, or building long-term passive income through property, this episode is packed with practical insights. If you enjoy this episode make sure you hit follow because this is a two part series. Lee Rosenfeld | Innovative Home Loans⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠Steve Palise | Palise Property https://www.paliseproperty.com/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/[email protected]/?ismsaljsauthenabled⁠In the final episode of our First Home Buyer Special series, Lee Rosenfeld  and Alex Ucchino bring everything together with practical, real-world advice for navigating the property market with confidence. After covering government schemes, guarantors and stamp duty in earlier episodes, this conversation focuses on the lessons learned from working with first home buyers every day and the biggest mistakes to avoid when stepping into the market.This episode dives into the mindset shift buyers need to make, moving away from borrowing the maximum and instead focusing on what repayments actually feel comfortable and sustainable over the long term. You will learn why budgeting properly, stress-testing your finances and planning for future life changes are essential before committing to a 30-year mortgage. The discussion also covers hidden ownership costs such as strata fees, utilities and lifestyle expenses that many buyers underestimate.Lee and Alex also break down how to build the right professional team around you, from brokers and conveyancers to financial planners and buyer’s agents. They explain how early conversations and pre-approval can put you in a stronger position, how personal debt impacts borrowing capacity, and why flexibility and preparation can make your offer more competitive in a fast-moving property market.If you are a first home buyer wanting clarity, confidence and practical guidance before making one of the biggest financial decisions of your life, this episode wraps up the series with the key steps to help you move forward.Lee Rosenfeld | Innovative Home Loans⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠Alex Ucchino | Innovative Home Loans⁠https://innovativehomeloans.com.au/our-team/alex-ucchino/⁠The Grey Creative Studio | Podcast Studio & Production https://www.thegrey.au/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/[email protected]/?ismsaljsauthenabledIn Part 3 of our First Home Buyer Special, we break down the key first home buyer schemes available in NSW, with a focus on how to reduce upfront costs and make buying your first property more achievable.Lee and Alex from Innovative Home Loans, explain how the First Home Buyer Assistance Scheme works; including stamp duty exemptions for properties up to $800,000 and concessions up to $1 million. They also cover the owner-occupier requirements, timing rules, and common mistakes that can leave buyers with an unexpected stamp duty bill.This episode further explores how different schemes can be used together, including low-deposit loans, guarantors, and government guarantees, and when it might make sense to pay a small amount of stamp duty to secure a better property or location.Lee and Alex also talk through the First Home Super Saver Scheme, how it actually works in practice, who it suits, and what you need to set up well before buying. Finally, they touch on the upcoming Shared Equity Scheme, which could allow eligible buyers to purchase with as little as a 2% deposit.If you’re serious about buying your first property and want clear, practical advice without the fluff, this episode is a must-listen.Lee Rosenfeld | Innovative Home Loanshttps://innovativehomeloans.com.au/our-team/lee-rosenfeld/Alex Ucchino | Innovative Home Loanshttps://innovativehomeloans.com.au/our-team/alex-ucchino/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/[email protected]/?ismsaljsauthenabledWelcome back to Part 2 of the First Home Buyer Special series. In this episode, Lee sits down with Alex to explore one of the most influential yet often misunderstood strategies in the Australian property landscape: security guarantees, commonly known as the “Bank of Mum and Dad.” The conversation sets out to demystify how these guarantees really work and why they’ve become such a powerful tool for buyers trying to enter the market sooner.Lee and Alex walk through the practical side of guarantor loans, explaining who can act as a guarantor, how family equity can reduce or eliminate lender’s mortgage insurance, and why this approach often allows buyers to enter the market with little or no deposit. They also discuss how security guarantees differ from government initiatives like the First Home Guarantee Scheme, helping listeners understand when each option might apply.The discussion also tackles common misconceptions, particularly around borrowing capacity and the level of involvement required from family members. Lee and Alex explain what guarantors are actually responsible for, the legal and financial considerations they need to be aware of, and why clear communication and proper advice are essential for protecting everyone involved.Finally, the episode looks at how guarantees can be used strategically by first home buyers and rentvestors to build long-term wealth, while also recognising the situations where a guarantor may not be the right fit. Whether you're a first home buyer, a supportive family member, or someone navigating the complexities of the Australian property market, this episode offers practical, grounded insights to guide confident decision-makingLee Rosenfeld | Innovative Home Loanshttps://innovativehomeloans.com.au/our-team/lee-rosenfeld/Alex Ucchino | Innovative Home Loanshttps://innovativehomeloans.com.au/our-team/alex-ucchino/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/[email protected]/?ismsaljsauthenabledIn this first episode of our special four-part First Home Buyer Series, Lee Rosenfeld and Alex Ucchino from Innovative Home Loans break down the biggest changes hitting the Australian property market and what they mean for anyone trying to step into their first home. With “FOMO” rising and the market heating up again, we unpack how to stay calm, informed, and prepared as a buyer.This episode dives deep into the revamped First Home Guarantee Scheme, including the removal of income caps, the new $1.5M purchase limit, and what buyers really need to know before banking on a 5% deposit. Lee and Alex share real insights as experienced Mortgage Brokers helping first home buyers avoid common traps, understand long-term planning, and navigate an increasingly competitive property market.If you're a first home buyer, navigating your borrowing capacity, or trying to make sense of the rapidly shifting property and lending market, this episode lays the foundation for smarter decisions in 2025 and beyond.Stay tuned! Part 2 will dive into guarantors, alternative pathways into the market, and more expert insights to help you buy with confidence.Lee Rosenfeld | Innovative Home Loanshttps://innovativehomeloans.com.au/our-team/lee-rosenfeld/Alex Ucchino | Innovative Home Loanshttps://innovativehomeloans.com.au/our-team/alex-ucchino/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/[email protected]/?ismsaljsauthenabledIf you haven’t yet listened to Part 1, we highly recommend starting there — it sets the foundation for this powerful follow-up episode on solar energy, property, and financial sustainability.This episode with Trent Amber, Co-Founder of AG Solar diving deeper into the real financial benefits of solar panels, battery storage systems, and government solar rebates. Discover how Aussie homeowners are turning to solar and green energy to slash power bills, boost property value and build homes that practically pay for themselves. Lee and Trent chat about how these changes aren’t just great for the planet — they’re a smart financial move too.They also dive into the exciting world of smart home tech, EV charging and new solar battery finance options that make going green easier than ever. If you’re looking to ease mortgage stress, save more on energy and invest in a sustainable future for your home, this episode’s packed with insights you don’t want to miss.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Trent Amber | AG Solar https://www.agsolar.com.au/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/[email protected]/?ismsaljsauthenabledIn this episode of The Property and Lending Podcast, host Lee Rosenfeld, Director and Mortgage Broker at Innovative Home Loans, sits down with Trent Amber, Co-Founder of AG Solar, to discuss how solar panel homes are revolutionising the world of property, finance, and sustainable lending in Australia.They unpack how installing solar energy systems can significantly boost property value, lower energy bills, and even improve borrowing capacity through reduced household expenses. Trent and Lee dive into how solar upgrades can help homeowners qualify for green home loans, attract environmentally conscious buyers, and gain long-term returns on investment. The conversation also explores government solar rebates, battery storage solutions, virtual power plants (VPPs), and the growing demand for energy-efficient properties in today’s competitive housing market.Whether you’re a homeowner, first-home buyer, or property investor, this episode reveals practical strategies for using solar power to save money, reduce your carbon footprint, and make smarter financial and property decisions for the future.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Trent Amber | AG Solar https://www.agsolar.com.au/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/[email protected]/?ismsaljsauthenabledIn Part 1, Lee and Aaron unpacked the fundamentals of property tax planning, including depreciation schedules, repairs vs renovations, and the pitfalls of tainting loans. They also explored how accountants can guide investors through negative gearing, capital gains, and compliance strategies to protect wealth and minimise tax.In Part 2, we take the conversation further with Aaron Roberts from Delante Accountants, diving into advanced topics that every property investor and business owner should understand. From debt recycling and investment loan structuring to choosing the right ownership entity—whether in your own name, a trust, or a company—Aaron explains how the right setup can maximise tax benefits and protect your assets.We also break down the complexities of self-managed super funds (SMSFs), including what you can and can’t invest in, compliance requirements, and when it makes sense to establish one.Throughout the episode, Lee and Aaron highlight the importance of building the right financial team from accountants, brokers, advisors, and solicitors so that they can work with you, to support your long-term wealth goals.Whether you’re just starting your property investment journey or expanding your portfolio, this episode is packed with strategies to help you avoid costly mistakes, structure your investments wisely, and plan for financial success.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Aaron Roberts | Delante Accountants https://www.delanteaccountants.com.au/***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

-> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/[email protected]/?ismsaljsauthenabledAre you making the most of your property investments? Do you really understand how tax strategies like negative gearing and capital gains impact your wealth? And when’s the right time to switch accountants—or find one that actually gives you the right advice? Host Lee Rosenfeld, Director and Experienced Mortgage Broker from Innovative Home Loans sits down with Aaron Roberts from Delante Accountants to explore the critical role accountants play in property investment, business finance, and tax planning. They uncover why choosing the right accountant is one of the most important financial decisions you’ll ever make and how it can directly impact your wealth, compliance, and peace of mind.Aaron shares practical accounting insights for property investors and business owners, from switching accountants and streamlining compliance to structuring investment properties, reducing capital gains tax, and leveraging negative gearing effectively. The discussion also covers depreciation, superannuation contributions, and long-term financial planning, with real-world examples that show how the right strategies can save you thousands.Whether you’re buying your first investment property, juggling multiple portfolios, or running a growing business, this episode delivers actionable advice on property finance, tax minimisation, and accounting strategies to help you maximise returns and plan for the future.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Aaron Roberts | Delante Accountants https://www.delanteaccountants.com.au***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

In part two of this episode, host Lee Rosenfeld sits down with Jasmine Quirk, Head of Property Management at Matt Black Property, who brings over 12 years of real estate experience to the table. Together, they dive deep into the world of property management, uncovering what landlords often get wrong, what tenants really want, and the strategies that separate successful property investors from the rest.This episode tackles some of the biggest challenges in property management, starting with the common mistakes investors make when relying too heavily on sales agents for rental appraisals. Jasmine explains why the very first inspection is the most important one of a tenancy and how it sets the tone for the entire rental relationship. The discussion also explores how landlords can build stronger, more trusting connections with their tenants—an approach that not only protects rental income but also preserves the long-term value of the property.Lee and Jasmine cover the dangers of unrealistic rental estimates and how investors can safeguard their purchases, the hidden costs of property ownership and why every landlord needs a rainy-day fund, as well as the critical role that timely, high-quality repairs play in shaping tenant satisfaction and long-term returns. Jasmine closes off with how the frequency and quality of inspections can make or break the condition and therefore, the value of a property. Whether you’re a seasoned investor, a first-time landlord, or simply curious about the rental market, this conversation shines a light on the strategies and pitfalls that define successful property management.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Jasmine Quirk |  Mattblak Propertyhttps://www.mattblakproperty.com.au/645641/jasmine-quirk

In this episode, Lee Rosenfeld sits down with Jasmine Quirk, Head of Property Management at MattBlak Property, who brings over 12 years of real estate experience. Together, they unpack why property management is one of the toughest jobs in real estate, the unique challenges managers face, and the critical role they play balancing landlords’ expectations with tenants’ needs.Lee and Jasmine unveil the highs and lows of managing investment properties in today’s market. Jasmine shares the day-to-day challenges property managers face, from mediating disputes to navigating sensitive situations with both landlords and tenants. She explains how property managers juggle expectations, ensure legal compliance, and maintain strong communication while keeping investment goals front of mind.Listeners will also gain clarity on the latest legislation changes affecting landlords and renters — including updates on pets in rentals, rent increases, tenant protections, and how new laws are shaping the responsibilities of owners. Jasmine offers practical advice for investors on how to choose the right tenants, understand the importance of thorough property maintenance, and build stronger long-term relationships with their managers.Whether you’re a property investor looking to maximise your returns, a tenant curious about the other side of the rental process, or simply someone interested in the evolving landscape of real estate, this episode delivers honest insights, professional tips, and a deeper appreciation for the work that goes into successful property management.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Jasmine Quirk |  Mattblak Propertyhttps://www.mattblakproperty.com.au/645641/jasmine-quirk

This episode is the final part of a special 4-part renovation series on "The Property and Lending Podcast" , hosted by Director Lee Rosenfeld, a Finance Broker from Innovative Home Loans. Across the series, Lee brings together some of the best in the business to explore every stage of the renovation journey—from building and designing to landscaping and pools. You'll hear from industry pros like Trent Sacilotto (Madhaus), Dan Payn (My Thred Built), Mark Sadler (Seascapes) & Kate Lainson (Cronulla Pools),each offering practical insights and behind the scenes stories from their perspective of the property world.In this episode, Lee sits down with Trent, founder of Madhaus Building Design and The Grey Creative Studio in Caringbah (where these podcasts are recorded) that’s grown from a modest co-working space into a thriving hub for events, podcasts, photography and collaboration.Lee explores Trent’s dual roles as a building designer and studio owner, diving deep into the building design process and what clients should know before starting a project. Trent shares practical advice on everything from initial planning to final execution, emphasizing the importance of early engagement, honest communication, and realistic budgeting.Lee asks Trent to break down the real differences between architects and building designers, and shares when it makes sense to work with each. They cover topics like common “traps” people fall into, like rushing through decisions, getting overwhelmed by clashing Pinterest ideas, or trying to manage the whole project on their own.Trent advises how to manage costs effectively without sacrificing quality, and why avoiding structural changes or moving plumbing can be critical in renovations. He also warns against poor communication between clients, designers, and builders, and explains how on-site changes without design oversight can compromise a project’s outcome.Whether you're planning a renovation, a new build, or just exploring your options, this episode is full of honest insights and practical tips to help you make informed decisions and achieve better results in your next project.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Trent Sacilotto | Madhaus⁠https://www.madhaus.com.au/⁠The Grey Creative Studio https://www.thegrey.au/Kate Lainson | Cronulla Pools⁠https://cronullapools.com/⁠Dan Payn | My Thred Built⁠https://mythred.com.au/⁠Mark Sadler | Seascapes⁠https://www.seascapes.au/⁠

This episode is part 3 of a special 4-part renovation series on "The Property and Lending Podcast" , hosted by Director Lee Rosenfeld, a Finance Broker from Innovative Home Loans. Across the series, Lee brings together some of the best in the business to explore every stage of the renovation journey—from building and designing to landscaping and pools. You'll hear from industry pros like Kate Lainson (Cronulla Pools), Trent Sacilotto (Madhaus), Dan Payn (My Thred Built) & Mark Sadler (Seascapes), each offering practical insights and behind the scenes stories from their perspective of the property world.In this episode Lee sits down with Kate Lainson from Cronulla Pools, diving into the full process of pool design and construction. Listeners will gain valuable insights into how client expectations have evolved, why pool sizes are shifting, and how local planning laws and the rise of duplexes in the Shire are reshaping backyard possibilities. Kate also unpacks the impact of COVID-related delays and price surges, while offering advice on managing fears around unknown costs like excavation.Lee and Kate also explore what’s trending in pool design, including curves, crazy paving, spas, and heating options, and why a detailed brief with must-haves, wants, and a clear budget sets the foundation for success. Kate offers insight into client fears, transparency around quotes, and how smart builder software keeps projects running smoothly.From pool slides and water features to compliance, fencing regulations, and backyard transformations, this episode is a must-listen for anyone looking to create a pool that brings lasting memories and real lifestyle value.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Kate Lainson | Cronulla Pools⁠https://cronullapools.com/⁠Trent Sacilotto | Madhaus⁠https://www.madhaus.com.au/⁠Dan Payn | My Thred Built⁠https://mythred.com.au/⁠Mark Sadler | Seascapes⁠https://www.seascapes.au/⁠

This episode is part 2 of a special 4-part renovation series on "The Property and Lending Podcast" , hosted by Director Lee Rosenfeld, a Finance Broker from Innovative Home Loans. Across the series, Lee brings together some of the best in the business to explore every stage of the renovation journey—from building and designing to landscaping and pools. You'll hear from industry pros like Mark Sadler (Seascapes), Kate Lainson (Cronulla Pools), Trent Sacilotto (Madhaus) & Dan Payn (My Thred Built), each offering practical insights and behind the scenes stories from their perspective of the property world.In this episode, Lee sits down with Mark Sadler from Seascapes, an experienced outdoor builder to explore the evolving landscape of the industry—literally and figuratively. Mark discusses the noticeable shifts in client expectations, council requirements, and design trends, highlighting how modern outdoor spaces are shaped by both regulation and creativity. From the rise of retaining walls as a structural and aesthetic feature to the debate between artificial turf and natural lawn, Lee and Mark dive deep into what’s most cost-effective, visually impactful, and sustainable. They explore how social media drives trends and why low-maintenance, well-planned gardens are in demand. Mark also discusses whether installing fire pits, pizza ovens, saunas, or ice baths makes a difference to your property’s value.With real world examples from projects in the Shire, Lee and Mark have a great discussion on budgeting, compliance, and functional design. This episode provides valuable advice for homeowners, builders, and landscapers. Whether you’re planning your dream yard in the Sutherland Shire or navigating the complexities of council certifications, this conversation is packed with experienced guidance, practical tips, and a clear message. ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Lee Rosenfeld | Innovative Home Loans⁠⁠https://www.innovativehomeloans.com.au/⁠Mark Sadler | Seascapes⁠https://www.seascapes.au/⁠Kate Lainson | Cronulla Pools⁠https://cronullapools.com/⁠Trent Sacilotto | Madhaus⁠https://www.madhaus.com.au/⁠Dan Payn | My Thred Built⁠https://mythred.com.au/⁠

This episode kicks off a special 4-part renovation series on "The Property and Lending Podcast" , hosted by Director Lee Rosenfeld a Finance Broker from Innovative Home Loans. Across the series, Lee brings together some of the best in the business to explore every stage of the renovation journey—from building and designing to landscaping and pools. You'll hear from industry pros like Dan Payn (My Thred Built), Mark Sadler (Seascapes), Kate Lainson (Cronulla Pools), and Trent Sacilotto (Madhaus) each offering practical insights and behind the scenes stories from their perspective of the property world.In this episode, Lee dives deep into the building process with Builder Dan Payn from My Thred Built, unpacking what it really takes to turn your property vision into reality. Whether you’re chasing a dream home or weighing up a knockdown-rebuild, this conversation covers it all. Lee and Dan cover topics like budgeting, choosing between renovation or rebuild, DA vs CDC approvals, working with builders, and understanding rising material and trade costs.They also explore the personal side of home building—how lifestyle, location, and long-term goals shape your space. From Pinterest boards and colour palettes to honest builder relationships and quote breakdowns, you’ll get a clear look at how to make smarter, more confident decisions during your renovation journey.Whether you're mid-project, planning ahead, or just curious about what’s involved, this episode sets the foundation for what’s to come in the renovation series—and delivers must-know tips for anyone dealing with property and construction.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Lee Rosenfeld | Innovative Home Loans⁠https://www.innovativehomeloans.com.au/Dan Payn | My Thred Builthttps://mythred.com.au/Mark Sadler | Seascapeshttps://www.seascapes.au/Kate Lainson | Cronulla Poolshttps://cronullapools.com/Trent Sacilotto | Madhaushttps://www.madhaus.com.au/

Sydney’s housing landscape is changing fast, and in this episode, we break down what it means for the Shire and beyond. Lee is joined by guest Matt Debreczeni from Ray White Sutherland Shire to continue in part 2 of “Cracking the Code to Property Success”. We dive into the NSW Government's new housing policy and the growing need for increased density, exploring how it affects local suburbs, infrastructure, and the day-to-day lives of residents.Lee and Matt talk about the reality of duplex developments, limited parking, and what it’s like to live in areas like the Shire. They dive deep into the new housing policy andunpack how changes near train stations, zoning shifts, and backyard transformations are reshaping community life.From rising construction costs and suburb specific benefits (think Kirrawee and Gymea) to the cost of living pressures and rental struggles, Matt and Lee explore both the challenges and opportunities.They give a personal reflection on the community vibe outside of hotspots like Cronulla, and address local concerns like traffic, Saturday sport congestion, and the future of green space, including park activation and sporting clubs.If you're a homeowner, renter, investor, or just curious about the direction Sydney’s property growth is heading, this is a grounded, local-focused conversation filled with practical insights and honest advice.Matt Debreczeni | Ray White Sutherland Shire ⁠https://raywhitesutherlandshire.com.au/⁠Lee Rosenfeld | Innovative Home Loans⁠https://www.innovativehomeloans.com.au/⁠Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

In this episode, Lee is joined by guest Matt Debreczeni from Ray White Sutherland Shire, who brings his abundance of experience and trending insights into today’s ever-evolving property market.We explore one of the most commonly asked questions in real estate: When is the best time to sell? Matt shares his expert take on how market trends, seasonal shifts, and local demand all play a role in determining the right time to list a property.We also take a closer look at how technology, particularly artificial intelligence, is reshaping the real estate industry. From data driven decision making to AI-powered marketing tools, Matt explains how to stay ahead of the curve.Lastly, Matt and Lee discuss how influential social media has on decision making in the property world and how it has become an essential tool for agents looking to build trust, showcase listings, and connect with buyers and sellers in a more meaningful way.Whether you're a homeowner thinking about selling, a property professional wanting to sharpen your edge, or simply someone interested in where the market is headed, this episode is full of valuable insights you won’t want to miss.Matt Debreczeni | Ray White Sutherland Shirehttps://raywhitesutherlandshire.com.au/Lee Rosenfeld | Innovative Home Loanshttps://www.innovativehomeloans.com.au/Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

In this episode, we're joined again by Andrew Woodward, founder of The Investor's Way, we delve deeper into the fundamentals of investing and financial empowerment. This episode is designed to provide clarity and confidence to those at the beginning of their investment journey, as well as to challenge common misconceptions for more experienced listeners. Host Lee and Guest speaker Andrew explore what the stock market truly is, the concept and significance of owning shares, and the most prevalent myths that often discourage people from investing. Andrew also offers thoughtful guidance on where to begin if you're new to investing, emphasising the importance of making informed decisions today to benefit your future self.Through practical insights, this episode aims to equip you with the foundational knowledge needed to take control of your financial future. Whether you are just starting out or looking to refine your strategy, this episode is a valuable resource for anyone committed to building lasting wealth. If you haven't already listened to part one, we would suggest listening to that first. ***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions. Andrew Woodward | The Investors Way https://theinvestorsway.com.au/Lee Rosenfeld | Innovative Home Loanshttps://www.innovativehomeloans.com.au/

In this episode, we're joined by Andrew Woodward, founder of The Investor's Way, to unpack what smart investing really looks like in today’s fast-paced, social media-driven world. We cover everything from foundational investing strategies to the impact of TikTok financial advice and the impact of wealth coaches. Andrew shares insights on how to filter good advice from bad, plus an inspirational story of how age doesn’t defy your abilities. We also explore how our parents' money habits influence us, the biggest mistakes people make with their finances (hello, never-used subscriptions), and how to make social media work for your financial goals—not against them. Whether you're just starting out or looking to level up, this episode is packed with real talk, practical tips, and motivational insight.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions. Andrew Woodward | The Investors Way https://theinvestorsway.com.au/Lee Rosenfeld | Innovative Home Loanshttps://www.innovativehomeloans.com.au/

**Please note: This episode discusses childhood illness and loss, which may be distressing for some listeners**In this deeply moving episode, host Lee, the founder of Innovative Home Loans, sits down with Kath, the inspiring founder of Levi’s Project, a charity organisation close to the heart of the Innovative Home Loans team. Kath shares the emotional and powerful story of her son Levi, who was diagnosed with DIPG (Diffuse Intrinsic Pontine Glioma)—a rare and aggressive brain cancer. Through her honest reflections, Kath opens up about the heartbreaking impact Levi’s diagnosis had on their family, and how his courage and spirit sparked a mission to support other families facing similar battles.Listeners will hear how Levi’s Project was born from unimaginable grief, and how it has grown into a beacon of hope and support for children and families navigating life after a DIPG diagnosis. Levi’s Project funds research and clinical trials for children with DIPG/DMG, alongside the Children's Cancer Institute and has raised $5.5 million and counting.This episode is a tribute to Levi’s incredible legacy, and a reminder of the strength that can come from love, loss, and community. It also highlights how businesses like Innovative Home Loans are working to give back, with ongoing support for causes that matter. By trusting us with your lending, you are helping change the odds for kids facing DIPG and brain cancer, with a portion of every loan we assist in being donated to Levi’s Project. To learn more or support The Levi’s Project, visit https://www.levisproject.org/Lee Rosenfeld | Innovative Home Loanshttps://www.innovativehomeloans.com.au/

Join us in this episode as we sit down with Michael Virley Director & Auctioneer of MVP Auctions. His “Fierce, focused, and results-driven” approach to Auctions has enabled us to get a glimpse into the mind of an Auctioneer and what it takes to be an expert in the Property Market.Michael uncovers the Sutherland Shire property market and dives into fake bidding, a sibling fight at Auction and how pricing is subjective. He reveals the skills that he has learnt over time, overcoming challenges like controlling a silent room and how the location of the property can affect the energy of an auction on the day. Host Lee Rosenfeld asks questions on Michaels 2025 property predictions and how the increase of living expenses affect people's confidence and comfortability within the property market. So whether you’re thinking of becoming an Auctioneer or simply want to education yourself on the property market, this episode is for you. If you haven't already listened to part one, we would suggest listening to that first. Feel free to leave a comment or if you have any further questions.**Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Michael Virley |  MVP Auctionshttps://www.mvpauctions.com.au/Lee Rosenfeld | Innovative Home Loanshttps://www.innovativehomeloans.com.au/

Join us in this insightful episode as we sit down with Michael Virley Director & Auctioneer of MVP Auctions. His “Fierce, focused, and results-driven” approach to Auctions has enabled us to get a glimpse inside the mind of an Auctioneer and what it takes to be an expert in the Property Market. Michael shares his knowledge on the Shire property market, offering a deep dive into trends, opportunities, and challenges. He also opens up about the essential skills every auctioneer must develop, including how to read the room and understanding what the bidders might be thinking based on body language and emotions. Host Lee Rosenfeld asks questions around common issues like the fear of stage fright when it comes to bidding and attending auctions for the first time. Michael shares valuable tips on overcoming those nerves to ensure a successful auction experience. Whether you're a first-time bidder or an experienced auction-goer, this episode will give you the inside scoop on standing out from the crowd and making your next auction experience a breeze. Feel free to leave a comment or if you have any further questions.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Michael Virley |  MVP Auctions⁠https://www.mvpauctions.com.au/Lee Rosenfeld | Innovative Home Loanshttps://www.innovativehomeloans.com.au/

Property Purchasing can be stressful, emotional and extremely time consuming. In this episode, Andrew the founder of My Property Pro Buyer’s Agents continues his intuitive conversation with Host Lee, as they cover topics regarding Off Market Search, Negotiating, Auction Bidding and Critical Money Mistakes. Buyer’s Agents have access to comprehensive property listings, off-market opportunities and their expertise in the property world makes a huge difference to your buying journey. They help support and guide you through ensuring Confidence and Security. If you’re looking to purchase and need insider tips, then this is the episode for you.We would suggest listening to part 1 of the series with Andrew first, followed by this episode (part 2).Feel free to leave a comment or if you have any further questions.***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Andrew Hancock | My Property Prohttps://www.mypropertypro.com.au/Lee Rosenfeld | Innovative Home Loanshttps://www.innovativehomeloans.com.au/

The Property Market is forever changing due to the Economy, Government Policies, Demographics and Interest Rates, which makes property purchasing a skill. This Episode, Lee has an insightful conversation with Andrew Hancock, the Founder of My Property Pro, about a Buyers Agent’s perspective on purchasing the right property through their guidance, knowledge and support. If you're interested in topics like What is a Buyer's Agent and Why it is helpful; Predictions on Rate Drops; When to choose an Area specialists or Borderless Buyers Agent; and the Motivational and Emotional side to purchasing a property, then this episode is just for you. Tune in for part one of this very informative episode about How your property journey can be made seamless and successful. Feel free to leave a comment or if you have any further questions.*Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.Andrew Hancock | My Property Pro⁠https://www.mypropertypro.com.au/⁠Lee Rosenfeld | Innovative Home Loans⁠https://www.innovativehomeloans.com.au/⁠

In this episode, Lee sits down again with Jessica Sharp from Elliot Tuthill Solicitors, a seasoned solicitor specialising in property law. We dive deep into the complexities of the property market and explore everything you need to know about strata laws, property fees, legal considerations, and the figures that impact your property journey.  From navigating strata agreements to understanding hidden fees and resolving legal disputes, our guest Jessica shares invaluable insights into the legal side of property transactions. She answers questions like “ Do I need to get a building report for strata property; How much money do you need at settlement?” and tips on what to look out for at final inspections.  Tune in this episode to gain insider knowledge and tips on the legality behind all things property.  Jessica Sharp |  Elliot Tuthill Solicitors, https://etsolicitors.com.au/our-team/jessica-sharp/ Lee Rosenfeld | Innovative Home Loans https://www.innovativehomeloans.com.au/ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener, you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any financial decisions.

We welcome back Blake Spooner, Director and Real Estate Agent from MattBlak Property to delve into the ins and outs of buying a home—whether it’s your first time or you’re looking to make a savvy investment. In the last Episode with Blake, they discussed myths surrounding Real Estate Agents in the property market and how to distinguish truths through transparency.   In this episode, Blake and host Lee talk about the difference between the proactiveness of generations and what this looks like in today's society. They share expert tips on what to look for in a property, how to navigate the competitive market, when to speak to a solicitor and strategies for making strong offers. Blake’s expert advice should not be missed, as he delves into “What makes a property a good property to buy” especially when you're a first home buyer. Tune in to learn essential insights on working with both agents and lenders, preparing your finances, and setting yourself up for success in today’s competitive real estate market. Innovative Home Loans: https://www.innovativehomeloans.com.au/ MattBlak Property: https://www.mattblakproperty.com.au/ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions. 

Property and Law can often be a complicated mix especially if you don’t have the knowledge and right tools to deal with certain situations. We are joined with Guest Jessica Sharp from Elliot Tuthill Solicitors based in Cronulla, with years of experience as a solicitor in property law. Lee and Jessica discuss the benefits of having a solicitor from the start, and how early legal advice can help you avoid costly mistakes and ensure your purchase goes smoothly. Jessica navigates us through important topics like urgency in the property world, all things terms & settlement and answers those key questions people are often afraid to ask.  Whether you're looking for practical advice or a deeper understanding of property law, this episode is packed with valuable insights from a professional in the field, who knows the ins and outs of every deal. Tune in for all this and more in today’s episode! https://etsolicitors.com.au/our-team/jessica-sharp/ Lee Rosenfeld | Innovative Home Loans https://www.innovativehomeloans.com.au/us/ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

In this short 8-minute episode, Host Lee breaks down common misconceptions about being Self-employed and your borrowing power for a Home Loan. “Do I have to pay myself a salary to be able to borrow? I have only had my ABN registered for a year…Is that enough? I haven't done my tax return, does that affect my borrowing capacity”? As Lee answers all your Self-employment questions, these common misconceptions are delved into further detail within 8 minutes so you don’t have to do research for hours.  Many Lenders have various time frames and policies so it’s important to find a Broker that you trust, to help you navigate your home purchasing journey. Leave a comment down below if your question wasn’t answered and Lee can answer it in a future episode. https://www.innovativehomeloans.com.au/ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions. 

In this short podcast snippet, Host Lee from Innovative Home Loans explains how Pay As You Go (PAYG) tax withholding impacts full-time, part-time, and casual employees, and how it relates to your ability to get a home loan. Lee covers how bonuses, commissions, overtime, and payslips play a role in determining loan eligibility and repayment options. Learn how PAYG can offer flexible loan repayments based on your actual income, making borrowing more accessible and manageable. Whether you're employed full-time, working part-time, or juggling multiple income streams, this episode offers valuable insights into how PAYG loans work for you. Talk to Lee today | Innovative Home Loans: https://www.innovativehomeloans.com.au/ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions. 

In this episode, we tackle a hot seat question many homebuyers wonder but are too afraid to ask: “Do Real Estate agents lie?”. Blake Spooner, Director and Real Estate Agent from Matt Blak Property, with sales spanning from $500,000 to $6.5m, demystifies the buying process and reveals the teamwork behind closing the deal. We break down the myths, discuss the pressures agents face, and explore how transparency is key to a successful deal.This episode dives into the dynamic relationship between real estate agents and mortgage brokers—how they work together to navigate loan approvals, match buyers with properties, and get you closer to homeownership. Join us for this educational yet engaging conversation on how to best secure your first or dream home.  https://www.mattblakproperty.com.au/645635/blake-spooner Lee Rosenfeld | Innovative Home Loans https://www.innovativehomeloans.com.au/

In episode two, host Lee and guest Charlotte continue to debunk all the misconceptions you've heard about Guarantors, HECS Debt and Lenders Mortgage Insurance (LMI). First up, they unpack Lenders Mortgage Insurance (LMI) – what it is, why it's necessary, and how you might be able to avoid it altogether. Next, they tackle Guarantors – who they are, how they can help you get a loan, and the risks involved. For example we answer a common question "What if my parents don't want to go Guarantor for me because I have siblings and that would be unfair to them?". Finally, they explore how HECS Debt impacts your borrowing power. Is your student debt holding you back from securing a home loan, or are there ways to work around it? Whether you’re a first-time buyer or looking to expand your property portfolio, this episode has got the insights you need to make informed financial decisions. Tune in and get the tools you need to navigate your property journey with confidence! Innovative Home Loans | https://www.innovativehomeloans.com.au/ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions. 

In this episode, host Lee and guest Charlotte dive deep into the world of first-time home buyers, decoding the various government schemes designed to help Australians step onto the property ladder. Whether you're a young professional, a single parent, or someone living in a regional area, there’s likely a scheme that could make your dream of homeownership more achievable. Join us as we unpack these government programs, providing insights into eligibility, benefits, and practical tips for first-time buyers navigating the real estate market. So if you’re just beginning your homeownership journey or looking for ways to make your first purchase more affordable, this episode has you covered! More information on First Home Buyers: https://www.innovativehomeloans.com.au/first-home-buyer/ Calculators: https://www.innovativehomeloans.com.au/calculators/ Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.