No BS With Birchy

Nathan sits down with Kiran, who came to Australia as a student in 2005, got his permanent residency in 2010, and built a portfolio of over ten properties starting with just $10,000 and a $95,000 house near Wagga Wagga. They unpack the mindset shifts, the mistakes, the community pressure, and the simple strategy that most migrants miss when they arrive here chasing the wrong things first. 00:00 - Intro: from stacking shelves at Coles to ten properties 05:00 - How Kiran got started: $10K, a cousin's advice and a $95K house  10:00 - Three properties in three months on a $42K income  14:00 - Why he never bought a principal place of residence first  18:00 - $4,500 a week in rental income: how the portfolio looks today  22:00 - The two years he nearly sold everything and what changed  27:00 - Renovations: when to do them, how much to spend and what return to expect  32:00 - The Gold Coast unit bought for $260K now worth $770K  36:00 - Units vs houses: which has outperformed in Kiran's portfolio  41:00 - The buyers agent bubble and how to read the data vs be part of it  47:00 - Land tax, construction builds and the mistakes Kiran would undo  52:00 - What migrants get wrong about property in Australia  57:00 - Advice to a new migrant starting today with nothing  01:03:00 - Community pressure, face and why Kiran still drives his old car  01:05:00 - Final word: get in early, buy small, and stop waiting for proof Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

Nathan sits down with investors Nathan and Annette, a couple from regional NSW who started with $200,000 and built a portfolio of eleven properties in two and a half years on combined incomes of around $80,000. They talk through how they did it, the properties they almost didn't buy, and what the journey actually looks like from the inside when you are doing it on an average wage. 00:00 - Intro: eleven properties, average income, two and a half years  04:00 - How it started: watching Facebook Lives and backing the strategy  09:00 - The broker who said don't invest during COVID and what happened next  14:00 - The Gold Coast apartment bought for $260K now worth $770K  19:00 - The property nobody wanted: three bedrooms for $163K at $400 a week  24:00 - Favourite vs least favourite property and why the numbers are all that matters  29:00 - How equity works to leapfrog the portfolio without saving harder  33:00 - The loneliness of winning when nobody around you gets it  36:00 - Getting the next generation involved and second generation investors  38:00 - Final word: more properties, less risk Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

Nathan sits down with Belinda, Australia's most followed property valuer, to cut through the noise on what is actually happening in the market right now. They cover where prices are falling and why, the buyers agent bubble, what the May budget changes mean for investors, and the one thing about the July 2027 valuation deadline that nobody in the media is getting right. 00:00 - Intro: Belinda the Valuer returns to the studio  03:00 - What a valuer actually sees that the media doesn't  07:00 - Where prices got way out of hand and why it was never sustainable  12:00 - The buyers agent bubble: when everyone's data comes from the same ChatGPT  18:00 - Nathan's trick: buy early, let the buyer's agents become the liquidity pool  23:00 - Sydney: why it went up the fastest and came down the hardest  28:00 - Melbourne is now cheaper than some regional Queensland. Here's why that's opportunity  34:00 - The May budget: who it was supposed to help and who it actually hurt  39:00 - Government debt, stimulus packages and why the big crash keeps getting delayed  45:00 - Hyperinflation: has it happened before and could it happen here  51:00 - Wise investors vs scared investors: what Nathan's clients are actually doing right now  56:00 - The July 2027 valuation deadline: don't panic, here's what it actually means  01:01:00 - Should you get it valued high or low? The answer is more complex than you think  01:04:00 - How to contact Belinda and what to watch out for  01:06:00 - Final word Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

While everyone else is watching the news and waiting for the crash, Nathan is out actively buying. In this episode he breaks down what is actually happening across Australian property markets right now, why the panic is creating the best opportunities he has seen in years, and the distressed stock networks that most buyers agents have never even heard of. 00:00 - Intro  01:00 - What the news is getting wrong about the market  03:00 - Where prices are falling and where they are not 05:00 - Investors throwing in the towel and what that means for renters  07:00 - Distressed stock: 160 properties sold in 36 hours  09:30 - The Melbourne opportunity nobody wants to talk about  11:30 - Why every "crash" prediction has been wrong  13:00 - Disposal agents, liquidators and how to get on the list  13:45 - Final word Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan breaks down the trust structure debate that has taken over social media. Why the big four banks are quietly pulling back from trust lending, what happened to investors who chased the infinite borrowing loophole, and why the answer to trust vs personal name is almost never what the TikTok gurus are telling you. 00:00 - Intro  01:30 - Why the big four banks are exiting trust lending  04:00 - The client with 20 properties who got stuck because of a trust  06:30 - The infinite borrowing loophole and why the banks closed it  09:00 - Land tax: why a trust could cost you $32K a year on the same property  11:30 - Where negative gearing losses get trapped inside a trust  13:30 - When trusts actually make sense in a portfolio  15:30 - Who is pushing trusts and what is their agenda  16:30 - Final word: align the structure to the strategy not the other way around Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan breaks down what financial freedom actually looks like when the portfolio has to pay the bills. Why having ten properties does not automatically mean you are retired, how to transition a portfolio built for growth into one that generates cash flow, and what Nathan was not prepared for when he quit his job at 24. 00:00 - Intro  02:00 - The difference between looking wealthy and being financially free  05:00 - Why liquidity matters more than most investors realise  08:00 - The accumulation trap: collecting assets without a transition plan  11:00 - How to turn a growth portfolio into a cash flow portfolio  14:00 - How Nathan quit his job during the GFC and what made it possible  18:00 - The identity shift nobody prepares you for when you stop working  21:00 - Why retirement is not great for everyone and what to watch out for  23:00 - Each phase of the journey needs a different version of you  24:00 - Final word: what financial freedom actually looks like Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan breaks down why taking property advice from social media could be the most expensive mistake you ever make. Who is actually getting paid when an influencer recommends a suburb, why the markets everyone is hyping right now are the ones Nathan is selling out of, and what three decades of investing looks like compared to three years of ring light content. 00:00 - Intro  02:00 - Why anyone can look like an expert with a phone and a ring light  05:00 - The difference between building wealth and building a brand  08:00 - How large buying groups skew data and create fake boom towns  12:00 - Lost decades: Perth 2010, Melbourne 2016 and who is talking about that on TikTok  16:00 - The fad cycle: granny flats, NRAS, NDIS, rooming houses and what comes next  20:00 - Why growth is never guaranteed and what Nathan actually buys on  23:00 - Strategy vs hope: why some investors get to 50 properties and some get stuck at two  25:00 - How to cut through the noise and find advice you can actually trust  27:00 - Final word: numbers don't lie, emotions do Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan sits down with Sumit from Zinger Finance for an impromptu podcast after Sumit walks in with a presentation nobody asked for but everyone needed to see. The real cost of waiting. What happens to your borrowing capacity while you sit on the fence, why the lower end of the market is getting squeezed from both sides, and why the investors who act now will look back on 2026 the same way people look back on 2012. 00:00 - Intro  02:00 - The cost of waiting: what happened to people who said they'd buy after rates went up  05:00 - Same client, 2021 vs 2026: borrowing capacity down $104K with the same numbers  09:00 - One client, three lenders: CBA vs Firstmac vs Liberty and the $378K difference  14:00 - Why a 30-year loan contract does not mean you are stuck for 30 years  17:00 - The two-tier market: why the lower end is getting sandwiched and prices are rising  21:00 - What happens to your portfolio when rates drop and everyone can borrow again  24:00 - Ten properties doubling vs one property doubling  26:00 - Which parachute do you want to pull: having options vs having regrets  27:00 - Final word: what is the opportunity cost of waiting Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan sits down with Sumit from Zinger Finance to talk about why they're rebranding after nearly 20 years. Where the name Zinger came from, why they can't just hire brokers off the street, why they operate more like a charity than a mortgage business, and what the new look and direction means for investors. 00:00 - Intro  02:00 - The origin of the Zinger name: a chicken deal, a sweating Indian banker and a KFC ad  07:00 - Why Zinger operates like a charity and writes $90K loans while other brokers chase $900K ones  12:00 - Why the average Zinger client has 15 properties on an $80-100K salary  16:00 - Why existing brokers never last and why Zinger trains everyone from scratch  21:00 - The internal career path: customer service to credit analyst to broker  25:00 - What changes with the rebrand and what stays exactly the same  28:00 - The new logo, the percentage symbol and what it stands for  31:00 - Final word: finance that keeps you moving Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.

In this episode, Nathan sits down with Geordie from Williams Real Estate to unpack one of the most powerful frameworks in property investing: the 18-year land cycle. Where we are right now in the cycle, which markets are about to get hurt, which ones are set up for the next boom, and why the people buying in Perth and Brisbane today could be the surrogate parents of the next decade. 00:00 - Intro: Nathan and Geordie's story and how they connected  04:00 - Geordie's background: construction, corporate, Rich Dad Poor Dad, and going all in  09:00 - The 18-year land cycle explained: 14 years of expansion, 4 years of downturn  15:00 - Tracing the cycle back: GFC, 1990 recession, Great Depression  21:00 - Where we sit today: equivalent to mid 2007 or late 1989  27:00 - How money flows through cities: Sydney, Melbourne to Brisbane, Perth and back again  33:00 - The mining boom bust and why those towns will roll over again  39:00 - Why Nathan is buying in Melbourne and Geordie is following  45:00 - The surrogate parent: buying what someone held for 12 years and sold at a loss  50:00 - Two key mistakes buyers agents make and why two big ones went under  55:00 - Cash vs debt, LVR strategy and when Nathan stopped using banks  01:01:00 - Motels, ten thousand properties, and the lazy investor philosophy  01:07:00 - When to sell, when to hold and the ten-year lost decade trap  01:13:00 - Final word: it's a banker's game with houses thrown in the middle Make your move on your property journey today: https://binvested.com.au/make-your-move-now/ What are your thoughts on this video? Share them below and show us some love if you found this video useful. 😊 ***DISCLAIMER*** The following videos have been prepared by Binvested.com.au Pty Ltd ACN (154 400 370). The factual information "information") provided in this website and the following videos is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. Before acting on any information provided in this website and in the following videos you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Binvested.com.au Pty Ltd is not a financial advisor. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and the following videos. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Binvested.com.au Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information. We can provide access to our Investor Relations team should you wish to speak to them. Please contact 1300 367 925 to speak to a member of the Investor Relations team.