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HOW TO SELL YOUR PROPERTY WITHOUT LOSING SLEEP (OR PROFIT) | Not Another Property Podcast Ep 5Thinking about selling but worried you'll trigger a tax bill, blow your timing, or get stung by lending and legal landmines? This episode is your clear, no-nonsense guide to selling a property in Australia, the right way.In this episode of Not Another Property Podcast, Australia's raw and unfiltered take on real estate, our panel breaks down the smart seller's checklist: capital gains tax (CGT) rules, contract-date traps, when to sell (and when to wait), fixed-rate break costs, exit strategies after 50, strata time bombs, and the new ATO clearance certificate rules.We'll dig into:CGT basics that save money: airtight record-keeping, cost base boosters, and the 6-year main residence ruleWhy the contract date (not settlement) triggers your CGT year, and how EOFY timing can helpValuations at the 6-year mark to lock in a defensible cost baseSelling with a mortgage: negative equity risks and fixed-rate break costs you can't ignoreBorrowing after 50: lenders' required exit strategies and how to document themDownsizer and concessional super contributions (no work test up to 74) to soften tax impactLegal must-knows: universal ATO clearance certificates for vendors and why they matterStrata red flags: special levies, cladding, sinking funds , and how they crush sale pricesGood vs bad reasons to sell: goal-based planning, market cycles, and avoiding forced salesFeaturing:Gianni Musumeci - Leverage Property AdvisersDaniella Muzitano - Titlespace ConveyancingMichael O'Malley - Rate Money Sydney CityAndrew Chan - Phoenix Private Wealth ManagementGeorge Koletti - Access ProfessionalsWhat We Discuss:0:00 - Intro & general advice disclaimer0:12 - Meet the panel1:03 - CGT 101: records, cost base, use of property2:14 - Main residence 6-year rule & why to get a valuation4:22 - Goal-based selling: timing your exit and costs5:41 - Ageing assets, sell-down strategy, and income needs8:38 - Asset-rich, cash-poor: using downsizer/super strategies9:38 - Selling with a mortgage: bank gets paid first, negative equity10:54 - Fixed-rate loans: understanding break costs11:32 - Over-50 borrowers: lenders' exit strategy requirements12:31 - Legal trap: CGT triggered by contract date, not settlement12:57 - From 1 July: ATO clearance certificates required for all vendors13:12 - EOFY tactics: why agents delay signatures to 1 July14:48 - Super rules: contributions up to age 74 without work test15:47 - Good vs bad reasons to sell; externalities that hurt value16:32 - Strata time bombs: special levies, cladding, sinking funds17:51 - Rate rises, forced sales, and planning with the end in mind18:31 - Wrap-up & key takeawaysWant tailored advice before you sell? Reach out to our guests, they're here to help:Leverage Property Advisers (https://leveragepropertyadvisers.com.au)Titlespace Conveyancing (https://www.titlespace.com.au)Rate Money Sydney City (https://ratemoney.com.au/sydney-city-branch)Phoenix Private Wealth Management (https://www.phoenixprivatewealth.com.au)Access Professionals (https://accessprofessionals.com.au)

Is using your self-managed super fund (SMSF) to buy property a smart way to build wealth or a ticking time bomb for your retirement?In this episode of Not Another Property Podcast, Australia’s raw and unfiltered take on real estate, we break down the rules, risks, and realities of using super for property. From tax concessions and diversification traps to lending headaches and compliance nightmares, our expert panel gets brutally honest about whether this strategy is a smart play or a backfire risk.We’ll dig into:Why more Australians are turning to SMSFs for propertyThe tax benefits that sound better than they often areLending limits, cash flow strain, and bank red flagsDiversification traps when property dominates your superThe compliance costs most trustees underestimateWho SMSFs actually suit, and who should steer clearNo fluff, no sales pitch. Just the real insights you need before deciding if property through super is right for you.Featuring:Gianni Musumeci - ⁠⁠⁠Leverage Property Advisers⁠⁠⁠Daniella Muzitano - ⁠⁠⁠Titlespace Conveyancing⁠ ⁠⁠Michael O'Malley - ⁠⁠⁠Rate Money Sydney City⁠ ⁠⁠Andrew Chan - ⁠⁠⁠Phoenix Private Wealth Management⁠⁠⁠George Koletti - ⁠⁠⁠Access Professionals⁠⁠What We Discuss:0:00 – Intro & today’s SMSF property question0:57 – Should you even set up an SMSF?2:00 – Trustee responsibilities & compliance costs3:28 – Tax effectiveness: super vs personal ownership4:52 – The holiday home myth (and why it doesn’t work)5:47 – When SMSFs actually make sense (business real property)8:42 – Lending inside SMSFs: restrictions & higher costs10:36 – Legal and conveyancing pitfalls (names, trusts, stamp duty)14:13 – Cash flow strain & opportunity costs15:01 – Property spruikers and conflicts of interest16:11 – Minimum fund sizes & diversification rules18:29 – Hidden costs: compliance, independent advice & annual fees19:25 – Overpriced property traps & unwinding bad SMSF setups20:30 – Wrap-up & key warnings

Rentvesting in 2025? Still Smart or a Trap in Disguise? | Not Another Property Podcast Ep3Is rentvesting in 2025 still a clever path to financial freedom—or is it just a shiny trap dressed up as strategy?In this episode of Not Another Property Podcast, Australia’s raw and unfiltered take on real estate, we break down the pros, cons, and hidden risks of rentvesting today. From opportunity cost and lifestyle trade-offs to tax implications, lending rules, and cash flow stress, our expert panel gets brutally honest about whether this strategy still stacks up.We’ll dig into:Why rentvesting isn’t new—but feels riskier in 2025The hidden opportunity costs most buyers ignoreTax traps, lending constraints, and tenant headachesThe mindset shifts you need before trying itWhether you’re better off chasing the “dream home” or building wealth through investment firstNo fluff, no sales pitch—just the real insights you need to decide whether rentvesting is your smart move, or a trap in disguise.Featuring:Gianni Musumeci - ⁠⁠Leverage Property Advisers⁠⁠Daniella Muzitano - ⁠⁠Titlespace Conveyancing⁠ ⁠Michael O'Malley - ⁠⁠Rate Money Sydney City⁠ ⁠Andrew Chan - ⁠⁠Phoenix Private Wealth Management⁠⁠George Koletti - ⁠⁠Access Professionals⁠⁠What We Discuss:0:11 – Intro & today’s rentvesting question1:01 – Owner-occupier vs rentvesting: what to weigh up2:31 – Goals, opportunity cost & lifestyle trade-offs4:45 – The Australian dream: myth vs reality6:10 – Income, cash flow & tenant risks in 20258:32 – Lending constraints & borrowing capacity10:45 – Tax strategies: deductions, CGT & offsets13:20 – Risks: vacancies, rent stress & market dips15:02 – Biggest mistakes investors still make17:15 – Rentvesting vs starting a business: the real ROI19:40 – Quick-fire wrap-up: smart move or trap?

First Home Buyer Blueprint: From Dreaming to Doing | Not Another Property Podcast Ep 2What's the real first step to buying your first home? Is it saving a deposit, talking to a broker, or working out if you should rentvest instead?In the second episode of Not Another Property Podcast, Australia's unfiltered property podcast, we break down the complete blueprint for first home buyers, from setting realistic goals, to navigating lenders, to actually getting the keys in your hand.Our expert panel gets brutally honest about the real costs, the tax traps, and the strategies first-timers need to know. No fluff, no sales pitch, just the real roadmap from "I want to buy" to "I own my first property."If you're a first home buyer, thinking about rentvesting, or just curious about the process, this episode is for you. You'll get practical tips, insider knowledge, and a step-by-step guide on what actually matters when making the leap into property ownership.Featuring:Gianni Musumeci - ⁠Leverage Property Advisers⁠Daniella Muzitano - ⁠Titlespace Conveyancing⁠ Michael O'Malley - ⁠Rate Money Sydney City⁠ Andrew Chan - ⁠Phoenix Private Wealth Management⁠George Koletti - ⁠Access Professionals⁠0:11 - Intro & panel: first-home buyer blueprint1:01 - Where to start: goals, budget & lifestyle trade-offs2:31 - Budgeting essentials: stamp duty, deposit, monthly reality4:50 - Problem: cash-flow pitfalls & bridging the deposit gap5:30 - Lending options, borrowing capacity & property constraints7:31 - Mindset biases to drop; cash flow & tax prep10:03 - Biggest mistakes (1): turning up without finance11:33 - Pre-approval, cooling-off vs auctions12:46 - Inspections & contract checks (bees in the roof!)14:15 - Biggest mistakes (2): mixing goals & emotional buys15:17 - Tax 101: records, CGT basis & offset strategy17:21 - PPOR vs investment: grants/exemptions & timing19:48 - School catchments, life plan & loan purpose changes20:45 - Quick-fire & wrap-upWant to talk about your own property journey? Get in touch with our expert guests via the links below. They're not just on the mic, they're here to help.

Can You Buy a Property with 10K? | Not Another Property Podcast Ep 1What if $10K was all you had? Can you really buy a house in Australia with just $10,000? Or is it just another real estate myth?In the first episode of Not Another Property Podcast, Australia’s unfiltered property podcast, we dive into the truth about buying a property with a low deposit, how first home buyer grants actually work, and whether you’re being sold a dream or a disaster.Our panel of seasoned professionals cut through the noise with insider insights on low-deposit home loans, lender tricks, and the real cost of “no money down” strategies.If you’re wondering how far $10K gets you in the current market, this episode is for you. Whether you're a first home buyer, investor, or just love a real estate podcast with no fluff, tune in for raw takes, wild stories, and tips you won’t get from your mortgage broker.Featuring:Gianni Musumeci - ⁠⁠Leverage Property Advisers⁠⁠Daniella Muzitano - ⁠⁠Titlespace Conveyancing⁠⁠Michael O'Malley - ⁠⁠Rate Money Sydney City⁠⁠Andrew Chan - ⁠⁠Phoenix Private Wealth Management⁠⁠George Koletti - ⁠⁠Access Professionals⁠⁠What We Discuss:0:00 Intro - Can You Really Buy Property with $10K in Australia?1:02 Buying a House with $10K: Is It Even Possible?2:10 Property Goals When Starting with a $10,000 Deposit4:38 Tax Implications of Borrowing 100% or Using a Small Deposit5:16 Upfront Costs When Buying Property: Is $10K Enough?6:28 Managing Cash Flow and Support Options for First Home Buyers8:55 First Home Buyer Grants and Schemes: What’s Available and How to Apply10:19 Budgeting and Accounting Tips for Low-Deposit Buyers11:13 Setting Realistic Property Goals in the Current Market16:45 What Can You Actually Buy in Australia with Just $10K?17:35 Can You Get a Good Rental Yield on Sub-$500K Properties?19:01 Wrap-Up: Quick-fire question.Would you like to discuss your own property goals, questions, or concerns? Get in touch with any of our expert guests using the links above. They're not just voices on a podcast, they're here to help.