Bothsides Podcast

Tom Panos is telling his own daughters they have three to nine months to buy a home. Here's why. Prices in the areas he's buying in have already dropped 10 to 15%, interest rates are back to GFC levels, and he says it's going to get uglier before it gets better. He's buying anyway. Tom Panos is one of Australia's most recognised real estate coaches. He spent 21 years at News Corp, founded the Real Estate Gym, coaches some of the country's top agents, and has spent 21 years fighting cancer. In this episode, he explains: ▪ Why he's telling first home buyers "don't waste this crisis", and the three to nine month window he sees ▪ Why prices in the areas he's buying in have already dropped 10 to 15% ▪ Why, for the first time, cheaper prices don't mean homes are more affordable ▪ How today's interest rates compare to the GFC, on far higher house prices ▪ Why first home buyers are down 21% year on year, even with the 5% deposit scheme ▪ Why "it's going to get uglier before it gets better, but it's going to get better" ▪ What he told the country's top 100 agents to do while sales volumes fall Tom's advice is not to wait for things to get better. If you're buying in this market, the free guide shows the four points Dan uses to pick a property that makes money without relying on the market: https://go.bothsides.au/score Follow Tom: ◼️ Instagram - https://www.instagram.com/tom_panos/ Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

In this episode I decided to share everything I learned in September from spending time with some of the best operators in the country. The market has slowed, and with it referrals, organic leads and cash flow. So I wanted to show you how to take back control instead of waiting for things to turn. I break down the full one-to-many sales funnel I watched Graeme run at his real estate masterclass, in front of nearly 1,000 people: ads, a free webinar, a paid masterclass, then becoming a client. I also cover why he keeps investing in clients long after they’ve paid him. Then I get into the biggest productivity unlock I’ve found, which is learning to use AI agents like Claude Code yourself. I used one to build my entire ad funnel, a 37-email nurture sequence, two websites and a live business dashboard, with no tech background. I finish with what the experts are saying about the property market: the SMSF lending changes, the undersupply, and where people are moving. If your business has slowed down, this one’s for you.

Want what those 164 families got? Graeme teaches the exact method in a free webinar: https://www.bothsides.au/moneymentor 164 families just paid their mortgages to zero. Between them: $52.93 million in principal gone, $54,778,910.18 in interest the banks will never collect, and 3,903 years of repayments wiped out. Then Graeme Holm gave away $40,000 of his own money, live on the show, to eight Bothsides listeners, and told us this is his last episode. Graeme is the founder of Infinity Group, Australia's biggest privately owned brokerage. Across this series he's broken down how families pay off a 30-year mortgage in under 10. This time he opens up the business behind it: why he spends $6,000 on a client who paid him $5,000, why clients keep paying him thousands a year after their mortgage hits zero and he earns no trail commission, why he turns away around 200 of the 830 people who apply every month, and why some of them have his logo tattooed on them. Then we called eight listeners who entered the competition. Their numbers are in the calls: $110,000 off a mortgage in 18 months. $40,000 in six months. One listener three and a half years ahead of schedule. One family who paid off more in two months than they had in the previous ten years. That's $40,000 given away in this episode, and more than $200,000 across the series.

Most homes that match what you're looking for will never show up on realestate.com. In this episode, Daniel Beardall and Josh Yun (the Off-Market King) break down exactly how a property deal gets done, from getting your finance sorted to finding off-market homes and negotiating the price down. In this episode you'll learn: → The 5 steps every property deal goes through → The 6 ways to search for property (and why the portals are only one of them) → How to get access to off-market properties through agents and property managers → Why you should start in the "sold" section, not the "for sale" section → How to value a property before you make an offer → How to use seller motivation and settlement terms to pay less → The negotiation tactic that took $250,000 off a Sydney home Most buyers fight over the same few listings everyone else can see, at the price the seller sets. The ones who pay less find the homes nobody else knows about, and it comes down to five steps... Get the free guide: https://go.bothsides.au/score Follow Josh:◼️ Instagram - https://www.instagram.com/thejoshyun/ Bothsides:◼️ The weekly email - https://bothsides.au◼️ Dan - https://www.instagram.com/daniel_beardall/◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Vaughn Royer quit a $150,000-a-year job to knock on doors, and at 21 sold his house to keep the business alive. Today he's turned client outcomes into $450 million in client sales, running ad accounts that spend up to $100,000 a day. He didn't get there by building a personal brand. Vaughn says he's scaled businesses to nine figures with no name, no brand and zero content, and that most of the marketing industry is obsessed with the wrong number - leads, when the only thing that pays the bills is sales. He learned direct response under John Gian, the man he calls the best direct response marketer in Australia, and now runs the ads behind some of the country's biggest names in property, finance and education - built on paid acquisition systems rather than audience building. In this episode, he explains: ▪ How he turns $1,000 of ad spend into $3,000 - and the 30/30/30 rule that makes the numbers work ▪ Why "we need more creative" is almost never the real problem, and what actually is ▪ How to cut your time from first click to closed sale from six months down to six days ▪ The four-line formula behind every ad he writes - and why the message beats the visual every time ▪ The real reason he refuses to show anyone his best performing ad ▪ What it cost him to get here - and what he'd tell his own kids about money that most parents get wrong Vaughn builds funnels that keep working while you sleep. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Follow Vaughn: ◼️ Instagram - https://www.instagram.com/vaughnroyer/ Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Every kit Luke built for this episode is free. Nine of them, ready to copy straight into Claude Code or Code X. The Operating System kit alone gives you a personalised CLAUDE.md rulebook, five playbooks for planning and delegation, and a starter memory that carries across sessions. There's a website builder, connection kits for the software you already run, and six more. Grab the lot here: https://drops.selrai.com.au/bothsidesIs Is everything you've been told about AI in business wrong? Most owners are paying for AI agents that do nothing, while the tool that actually works sits unopened on their laptop. Luke Heka is the founder of Selr AI, a Gold Coast development team that's been putting AI systems inside Australian businesses since 2021. From one-man operations to companies with hundreds of staff. He's not a content creator and he's not a consultant. He builds the systems and installs them, and in this episode he gives away the setup he normally charges for. In this episode, he explains: ▪ Why the people selling you AI agents are running something far simpler underneath ▪ How to turn YouTube into a brain that thinks like any expert you name ▪ What Claude Code actually costs to run - and the $8,000 nobody mentions ▪ How one trade business went from three-day quotes to forty minutes ▪ The single process in your company worth automating first ▪ The one thing he refuses to let AI anywhere near Follow this episode's guest: Luke Heka Connect with Luke: LinkedIn - Luke Heka Selr AI: Website - selrai.com.au Instagram - @selr__ai LinkedIn - Selr AI Facebook - Selr AI Get every AI shortcut Luke shared: drops.selrai.com.au/bothsides This episode was filmed at Selr Studio: Instagram - @selr.studio Bothsides: Website - www.bothsides.au Follow the show - @bothsides_podcast Follow Dan: @daniel_beardall Bothsides Buyers Agency: Instagram - @bothsidesbuyersagency Website - bothsidesbuyersagency.com.au Listen & subscribe: YouTube - @bothsidespodcast Spotify - Listen here Apple Podcasts - Listen here

Josh Morrissey re-entered Real Estate after a decade in the trades. By 37, he’d built a property portfolio worth tens of millions, to a multimillion-dollar debt-free position. He didn’t get there by holding and hoping. Josh says most people calling themselves “passive investors” are just being lazy, and that the equity sitting in your portfolio right now means if you can really use it. He’s the co-founder of @hiveproperty.co in Canberra, one of the territory’s leading real estate businesses built on activity. He currently holds the three highest sale prices in the ACT for 2026!! In this episode, he explains: ▪️ Using Dan as a live example, Josh maps out how to turn a $150,000 cash position into $1.4 million in two years. ▪️ Why he calls passive investing “lazy” and what he does instead. ▪️ How subdividing one property can pull out 100% profit with nothing but a DA approval, no build required. ▪️ Why holding a “neutral” cash-flow property could quietly be costing you more than it’s worth. ▪️ The real reason he doesn’t want the bank and the government as his business partners. ▪️ What building his wealth actually cost him and the hardest lessons business should learn from. 00:00:00 Intro 00:04:00 What the End of a 10-Year Plan Actually Looks Like 00:09:19 Why He Wants to Be the Circuit Breaker in His Family 00:11:17 Why Everything He Owns Sits in One Suburb 00:12:38 Why He Left the Trades for Real Estate 00:17:37 Why Money Isn't Real but Time Is 00:19:30 Reposition Yourself to 10x Your Income 00:20:20 How He Made a Year's Income in a Single Day 00:24:00 The Full Structure: Assets, Cash, Business and Buildings 00:26:17 Why He Refuses to Let the Bank Near His Portfolio 00:32:55 Why Cash Beats Equity Every Time 00:35:02 Five Deals at $200,000 a Pop. There's Your Million. 00:36:36 The People Who Buy and Never Actually Settle 00:38:51 Why He Calls Passive Investing Lazy 00:40:12 Ads 00:42:31 How to Manufacture Your Own Timelines 00:44:03 Why Commercial Property Is the Final Boss 00:47:42 The Top Three Sales in the ACT and Why He Builds Where He Sells 00:54:42 How to Do It From Scratch, Step by Step 00:59:41 How to Turn $150,000 Into $1.4 Million in Two Years 01:03:29 Why He Won't Hold a Neutral Cash Flow Property 01:07:42 Why He'll Never Build a High-Rise 01:10:05 Why He Grew From 30 to 45 Staff 01:19:45 Slow Is Smooth and Smooth Is Fast 01:24:58 Why Your Family Gets the Scraps 01:30:24 The Lesson He Wants His Kids to Learn 01:31:58 Why the 1 Percenters Decide Everything 01:40:32 What the Next 5 to 10 Years Look Like 01:44:16 Rapid Fire: Wealth, Regret and the Hardest Lesson 01:52:04 The One Thing to Take Away Josh Morrissey manufactures his own upside instead of waiting for the market. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Follow Josh: ◼️ Hive Property - https://www.instagram.com/hiveproperty.co/ Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Is the property market actually crashing, or is everyone about to miss the best buying window in years? While headlines scream about falling prices and a broken market, two of Australia's top buyer's agents reveal how their clients are still building 6-figure equity gains - without waiting for prices to rise. Daniel Beardall and Josh Yun are buyer's agents specialising in off-market property deals across Australia. Known for sourcing deals other investors never see, they've helped clients secure hundreds of thousands of dollars in instant equity through negotiation, subdivision, and smart deal structuring - even in a declining market. In this episode, they explain: ▪ How one client secured $800,000 of instant equity on a single property purchase ▪ Why a "stigmatised" property sold $700,000 under market value (and why that's a good thing) ▪ How to turn a $2 million deal into $2.5 million with nothing but a DA approval ▪ The real reason building a granny flat from scratch could cost you more than buying one ▪ Why falling prices don't matter if you know how to structure the right deal

Marty Fox. Jack Delosa. Graeme Holm. Jack Henderson. Marcus Chiminello. Gavin Rubinstein. Sam Gordon. Over 150 episodes with some of the best in Australian property and business, and ten lessons that changed my business and how I work. A vision only works once it is actually yours. Grow by fixing the next problem in front of you, not by chasing size. Teaching beats selling. People buy from who they know, so build the name first. Charging more, and charging it upfront, changes who you end up working with. Where you spend your time matters more than how disciplined you are. Know your numbers or you are guessing. Get better before you try to be different. The people who build things decide quickly and move. And the detail is not part of the job, it is the job. Ten lessons, where each one came from, and how to use them. Take one and use it this week. Watch the full episodes Marty Fox, EP 136 How to Build Unstoppable Momentum https://youtu.be/kAM4G3_HBvk Jack Delosa, EP 132 The REAL Reason You’re Not Achieving Your Goals https://youtu.be/aMx445T4jAY Graeme Holm, EP 69 The ULTIMATE Guide to Business & Financial Literacy https://youtu.be/QS8ZAnvjSbQ Jack Henderson, EP 151 Why Australia Is Making It Harder To Get Rich https://youtu.be/_xzjGMF0HM4 Marcus Chiminello, EP 137 Inside the Mind of a Master Real Estate Agent https://youtu.be/kvbRKGbcyEo Gavin Rubinstein, EP 133 How to be a SUCCESSFUL Real Estate Agent https://youtu.be/xDj-aK30WGY Sam Gordon, EP 125 Sammy Gordon: 134 Properties by 35 https://youtu.be/BqnKptX_CPE Josh Morrissey, EP 115 From $4M GCI to Financial Freedom by 37 https://youtu.be/uSK_HSj9HxQ Emil Juresic, EP 150 “The Market Has Already Dropped 10 To 30%” https://youtu.be/rVkPEOI2C-w Matt Pillios, EP 138 From Broke At 35 To $600M In Sales https://youtu.be/mSbQVuojnL4 Graya, EP 147 How Two Brothers Are Quietly Dominating Australian Property https://youtu.be/_bZ26j0fBJ0 Thanks for listening. Full show notes and links below. Bothsides Website - https://www.bothsides.au Follow the show - @bothsides_podcast Follow Dan @daniel_beardall Bothsides Buyers Agency Instagram - @bothsidesbuyersagency Website - https://www.bothsidesbuyersagency.com.au/ Listen and Subscribe YouTube - @bothsidespodcast https://www.youtube.com/@bothsidespodcast Spotify - https://open.spotify.com/show/3wNWmFad9vzMqAwHfNaNzT Apple Podcasts - https://podcasts.apple.com/au/podcast/bothsides-podcast/id1585830750

Why do the most successful people seem to operate on something other than logic alone? Psychic Teal breaks down how she believes the mind can actually be rewired — through psilocybin, breath work, and stillness — to quiet the ego, strengthen intuition, and change the way you think and perceive life. She also explains what claircognizance actually is, why she believes self-worth is the strongest predictor of success she's seen across hundreds of readings, and how she pulled herself out of a live anxiety attack using nothing but her breath. Teal is a psychic and intuitive healer specializing in claircognizance, energy healing, and plant medicine facilitation. A former corporate lawyer, she now hosts healing retreats and ceremonies internationally and is based in the Northern Rivers, Australia. She explains: ◾ Why she believes self-mastery means learning to weave your logical mind and your intuition together ◾ How psilocybin can rewire the brain in real time to change deep-seated behavior ◾ How she stopped a live anxiety attack using breath work alone ◾ Why she believes self-worth is the strongest predictor of business success ◾ Why the ego is loud and hasty, while intuition is quiet and easy to miss Follow this episode's guest: Teal tealsoulsacredbreathoflife.org Bothsides: Website - www.bothsides.au Follow the show - @bothsides_podcast Follow Dan: @daniel_beardall Bothsides Buyers Agency: Instagram - @bothsidesbuyersagency Website - bothsidesbuyersagency.com.au Listen & subscribe: YouTube - @bothsidespodcast Spotify - Listen here Apple Podcasts - Listen here

Matt Srama's figure is that the average Australian owner occupier spends eight to nine months looking for a house, and that his own team has that down to 49 days. His argument is that the months in between are the single most expensive thing a buyer does, and that it is almost never a lack of motivation. Matt Srama is a former NRL player and the founder of Srama Group, a buyers agency covering the Gold Coast and Tweed Heads, built to seven figures in under three years. He bought his first investment property at 22. What you will learn: - Why staying out of the market costs more than buying in it, and the paralysis that keeps motivated buyers on the sidelines - Why he pushes hardest when everyone around him has low urgency, and what high urgency does to the price you pay - The four distances that set a Gold Coast price: barefoot walk, shoes, e-bike and car - The one question to ask a selling agent that has nothing to do with price - What a bridesmaid suburb is, and the ones he names around Burleigh, Southport and Mermaid Beach Chapters 00:00 The best time to buy is when nobody else feels urgent 03:03 Reading gentrification off the commercial precincts 09:07 Barefoot, shoes, e-bike or car: four price points to the same beach 12:07 A fair price for a good property beats a good price for a fair one 15:11 The most expensive thing buyers do is stay out of the market 18:16 Price, condition and location, and where owner occupiers get stuck 22:50 Nine months of searching against 49 days 24:47 The positioning and urgency quadrant, and the buy zone 27:25 Manufacturing a deal when nobody else is bidding 31:00 A discount on a shirt excites you. A discount on a house scares you 35:21 Buying the owner occupier now, and the tax free upside 37:25 The Gold Coast sweet spot between 1.8 and 2.6 million 41:27 The question to ask an agent that has nothing to do with price 43:28 Bridesmaid suburbs, and where the ripple lands next 49:31 The due diligence people skip 53:32 There is no forever home, only the home for right now 55:35 Lazy equity, and buying in a company to keep serviceability 1:09:45 Granny flats, and value that comes from the cash flow 1:17:37 The cost of the goal you say you want 1:22:39 Off market does not mean a good deal Matt Srama's team buys in 49 days what takes most people nine months. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

On The Biggest Loser there was a yellow line, and Steve Willis says the moment a contestant fell below it their fight was no longer in their hands, it went to a vote. He uses it as the whole argument: do the work while the decisions are still yours to make. Steve "Commando" Willis spent more than ten years in the Australian Army, including selection into 4 RAR when it was re-tasked as a commando unit, and nine years as a trainer on The Biggest Loser. He now runs a gym in Rouse Hill with his partner Harika. What you will learn: - Why recruits had their socks measured with a ruler, and what that has to do with being handed a weapon - The one degree bearing analogy he uses instead of telling people to overhaul their lives - His order of operations for change: awareness first, then competency, then confidence - Why he says the 3am wake up posts are nonsense, and what preparedness actually looks like - What he thinks stopped The Biggest Loser being made, and what the show got wrong about obesity Chapters 00:00 The yellow line, and the day your fight stops being yours 04:01 Joining at 18, and how infantry chose him instead 08:02 Malaysia, 1996, and the selection nobody saw coming 12:02 Socks measured with a ruler, and why you have to earn the rifle 16:03 Life is indifferent. The meaning is the one you bring 24:05 Twenty two years of CrossFit, and meeting his match 32:10 Awareness, then competency, then confidence 36:10 An hour and ten minutes of burpees, and the resistance you bring yourself 44:14 Training in a park in the cold, and the trouble with comfort 48:18 Counterterrorism training, and learning to work inside disruption 55:02 Why awareness is a double edged sword 1:05:02 Coaching people whose lives had already fallen apart 1:10:03 We are for the few 1:15:03 Draw a line in the sand, then forgive yourself 1:20:03 What happens when you stop eating until midday 1:25:04 Why the show would not be made today 1:30:07 The 3am wake up posts, and the preparedness nobody films 1:37:31 Dumbbells in a four wheel drive, and a gym built in lockdown 1:54:05 Be a good person, and be careful who talks you out of things 1:59:36 At 50, learning about money for the first time Steve Willis does the work while the outcome is still in his hands. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Dan Beardall was seven when he watched his father come off life support after a work accident. He explains how that became the reference point for everything after it, why he spent nineteen years carrying emotions that arrived without a trigger, and what finally changed it. The first in a solo series where Dan talks through his own journey rather than a guest's, with Isobel asking the questions. What you will learn: - Why losing a parent at seven set a worst-case reference point that made every later setback feel like life or death - The years of only meat and potato, the asthma, and what he now thinks the body was holding - What the H pylori treatment did to his gut, and the nine months of chronic fatigue that followed - Why a ten day silent meditation retreat came before any of the plant medicine work - The five things he would tell a young man who messaged him asking how to get out of it Chapters 00:00 Why this series exists 00:39 Losing his dad at seven, and the reference point it set 03:46 A single parent, and the friends he stopped inviting over 06:43 Why a kid without a father grew up asking everyone questions 08:53 The science of achievement against the art of fulfilment 11:03 A Tony Robbins seminar, and the man who opened the next door 13:15 Every winter has a summer, and manufacturing your own 15:25 Emotions that arrived on schedule with no trigger 19:50 Asthma, two surgeries, and what he thinks the body was storing 22:00 H pylori, the treatment that wiped the gut, and nine months of it 24:12 What actually helped, and what never fully heals 26:23 Ten days of silence before anything else 30:52 Peru, and the man who channelled his dad 33:23 Reaching the summit and finding another mountain 35:56 Why he never told this story publicly 38:27 The DMs from young men that changed his mind 40:58 Five pieces of advice for the man he used to be 45:58 Cultivating the environment, and the risks you only take with backup 48:29 Cutting your losses without quitting Dan built Bothsides on the idea that the inner work and the material work go together. Property is the material side, and it comes down to four points. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Jack Henderson breaks down the unit economics of a buyers agency out loud, and explains why most of the industry is quietly struggling: a client worth 80,000 dollars over four purchases still only pays you 20,000 today, and it takes three years to collect the rest. Jack Henderson is the founder of Henderson, a national buyers agency with around 120 staff across the group. What you will learn: - Why lifetime value does not save you if the cash arrives over three years - How rising acquisition costs have broken the volume buyers agency model, on his own numbers - Why he rebuilt around something hard to replicate rather than competing on price - The real stress of finding 1.4 million to settle in two weeks - Why people he knows are leaving for Singapore and Thailand, and the tax logic behind it Chapters 00:00 Why he thinks the country has swung too far one way 05:52 Finding 1.4 million in a fortnight for a settlement he did not see coming 11:02 The actual day: quarter to five, gym at 5:30, in the office by 8 14:49 Buying the degrees instead of going and doing them 18:21 When the cost to book a call went from 200 dollars to 1,200 23:21 What a five percent management fee can actually afford to fix 27:24 Find the service nobody delivers, then work out the price 28:22 Second dwellings, and turning a 3.5 percent yield into 5.5 32:40 Fringe benefits tax, payroll tax, and the bill nobody adds up 36:24 Why he is staying, and what Harry Dent told him about immigration 38:26 Everyone at the engagement party is moving offshore 40:36 Guaranteeing a return without pretending to guarantee growth 43:27 The red hat, and why every offer has a shelf life 48:28 Lifetime value against cash actually collected 52:09 Why wealthy people pay for speed and exclusivity 53:29 A record month, and why the budget changes barely touched the model 1:01:29 The changing world order, and patterns that repeat 1:05:09 Eight o'clock meetings and 7:30 last calls 1:08:45 The billion dollar goal, still standing 1:12:26 What is it actually for Jack Henderson runs a buyers agency on its unit economics. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Follow Jack Henderson: ◼️ Instagram - https://www.instagram.com/jackhenderson_/ ◼️ Henderson - https://www.instagram.com/henderson_advocacy/ Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

A house on the Central Coast sold for 15.85 million in 2023 and 8.35 million in April this year. Dan Beardall and Josh Yun use it to open an argument that this could be the cheapest property gets in their lifetime, and that the buyers being hurt hardest are the ones the budget was supposed to help. The first episode of the No BS Property Show, a series inside Bothsides on property, investing and what to do before your next move. What you will learn: - What removing negative gearing on established stock did to borrowing capacity, and why the 5 percent deposit buyers ended up in negative equity - Why they argue sentiment moved this market harder than the policy itself - The 40 year growth data they walk through, including the worst annual fall on record - Why the capital gains rules now push people towards buying an owner occupier, even at a stretch - Why the price guide is a guide, and how to read a listing that has sat for 200 days Chapters 00:00 The Central Coast house that went from 15.85 million to 8.35 02:31 The 5 percent deposit scheme, and the buyers now in negative equity 05:03 Why sentiment moved the market harder than the policy did 07:34 Forty years of growth data, and the worst year on record 10:07 Sydney down 0.4 percent in a month, and why the top end falls further 12:38 Seventy percent equity nationally, and who rate rises actually hurt 14:44 Selling a million dollar investment to buy a two and a half million dollar home 17:41 Catching a falling knife: bought before sold, with a deposit at risk 20:13 Why the capital gains change now favours the owner occupier 22:43 The essential worker who cannot buy where they work 25:15 Established with upside against brand new, on real numbers 27:47 Banks want a full valuation again, and what that does to your competition 29:10 Eight open homes, fewer than eight people through all of them 31:52 A 200 day listing, a divorce, and the gap to the data 34:33 The acreage guide that fell from 2.5 million to 2 million 36:48 House and granny flat, and why that yield holds up 39:54 Company structures, and why most buyers should keep it simple 41:45 The SMSF change, and who it actually stops 45:17 The price guide is a guide 47:59 Use the leverage you have, even if it takes a guarantor Dan and Josh Yun buy on the numbers, whatever the headlines say. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Emil Juresic sold every property he owned at the peak of the market, five months before this was recorded. He now says values have already fallen 10 to 30 percent, and he has pulled the heavy brake on his own development pipeline. Emil Juresic is a Gold Coast developer and the founder of NGU Group. What you will learn: - Why he sold the lot at the peak, and what he was seeing that made him move - Where he thinks the falls have already happened, and what he expects next - Why he would not buy anything brand new as a first home buyer, and would buy something he could add value to instead - What happens to established stock when investors all shift to new - What scaling actually costs: every dollar reinvested, and whether you can carry the pressure - Why he moves capital between industries rather than staying loyal to one Chapters 00:00 He sold every property he owned at the peak 06:26 In two minds about letting the last one go 11:50 Why he would not buy anything brand new as a first home buyer 17:32 Investors shifting to new stock, and what it does to established 23:34 Building a community, and the 500 gyms he has watched 29:36 The heavy brake on property development, right now 35:24 Being present while building something new 40:25 Living backwards from 95 47:17 One week from opening the first one, already thinking global 53:18 Using AI before you become the dinosaur 59:01 It took thirty years, and the people who want it in three Emil Juresic only buys when the numbers work, not when the crowd does. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Follow Emil Juresic: ◼️ Instagram - https://www.instagram.com/emiljuresic/ Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Graeme Holm counts four property corrections in Australia, and puts the largest at 5.5 percent. His argument is that trying to time your way around a dip that size, while sitting out years of double digit growth, is the expensive mistake almost nobody adds up. Graeme Holm is the founder of Infinity Group and has been in lending for more than 25 years. Recorded after the federal budget changes. What you will learn: - The size he puts on all four Australian corrections, and why he says timing them costs more than it saves - Why rents rising and deposits getting harder to save are the same problem for a first home buyer - His argument that a home is capital gains tax free and an investment is not, and what that means for the order you buy in - Why he says anyone telling you not to pay tax is broke, and how paying tax is what lets him borrow - Why the shift from trusts to companies looks like every other government scheme cycle Chapters 00:00 Time in the market, and why the growth is in years eight to ten 07:04 What the budget did to the investment market 14:02 Whether he is doubling down, and the Buffett comparison 20:50 Four corrections in forty years, and the largest was 5.5 percent 29:17 The two moments that matter: when you buy and when you sell 39:24 Why he sells assets every couple of years 46:22 Why some buyers agents get to ten and stop 52:59 What risk you are actually insuring against 1:00:39 Ten seconds on a whiteboard, and serving before selling 1:07:44 Timing the market against time in the market 1:14:54 Calling a listener about their budget 1:22:24 The consolation prizes 1:29:39 Closing Graeme Holm holds through every correction because the asset pays regardless. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Follow Graeme Holm: ◼️ Instagram - https://www.instagram.com/graeme_holm/ ◼️ Infinity Group - https://www.instagram.com/infinitygroupau/ Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Australia's property market just went through its biggest overnight shift in years. In this episode, Grame Holm, a leading voice in Australian property and finance, breaks down what actually happened after the Federal Budget - how the banks moved on valuations almost instantly, why one client's property lost $250,000 in value overnight, and why he believes this is the exact moment to act, not retreat. Graeme Holm is a mortgage broker and motivational speaker, with years of experience helping everyday Aussies navigate the property market through booms, corrections, and policy shocks. He regularly shares data-driven insights on where the Australian property market is heading next. The views shared in this episode are personal opinions and general in nature - they do not constitute financial advice and should not be relied upon without speaking to a licensed professional about your own circumstances. He explains: ■ Why the banks changed their valuations almost overnight after the Budget ■ How one client's property dropped from $850,000 to $600,000 in months ■ Why consumer sentiment is at rock bottom - and why that's historically the buying signal, not the warning sign ■ The 40 years of data showing Australia has never had two consecutive years of price correction ■ Why Warren Buffett's Berkshire Hathaway just made a multi-billion dollar bet on residential housing ■ The difference between what's happening to established homes vs. new builds right now ■ Why timing the exact bottom of the market has cost investors more than it's ever saved them 🎁 We've now given away $175,000 to our listeners across this podcast series - and we're not done. Subscribe to both Bothsides and Money Mentor on Spotify or YouTube, share your favourite episode from each on your socials tagging us, and send us a screenshot - 5 people will win $5,000 each once we hit $200,000 given away.

Stephen Michaels and Jonathan Valentino settle 1.1 billion dollars of loans a year with no marketing, no advertising and no cold outreach. Every broker in the business is on a salary, and the whole instruction to them is one sentence: delight the customer. Stephen Michaels and Jonathan Valentino are the founders of Catalyst, a brokerage they have run for 14 years, submitting around 150 million dollars of loans a month across 40 lenders and taking their business from about 60 referral partners. What you will learn: - Why every broker in their business is salaried rather than contracted, and what that does to quality control - How a bridging loan actually works, on real numbers, and why they say 60 percent of approved bridges are never drawn - The 26 million dollar bridge at around 7.5 percent, and the house that took nine months to sell - The 24 month rule they use to explain why most new brokers quit just before it starts working - Why they would tell a new broker to learn credit policy before touching social media Chapters 00:00 The reverse mullet: party at the front, business at the back 04:21 How they got past a billion a year in settled loans 06:40 Doing every job end to end before trying to teach it 08:06 Why every broker in the business is on a salary 11:42 Taking the admin off the salesperson so they only have to close 14:50 What actually keeps good staff: the money, or the learning 17:57 The three deals you nail, and the three you only do 8 out of 10 21:15 The confidence play, and why most approved bridges go unused 24:19 Who a bridging loan is actually for 26:42 What a bridge really costs, and the rate you pay on the gap 27:54 The 26 million dollar bridge, and the mansion that would not sell 31:08 If you started again tomorrow, learn policy first 34:50 The 24 month rule, and why most brokers quit too early 38:54 The sale that opened the network, and the ones done for free 42:00 What makes a good broker, and why resilience is the job 47:16 Do not try to take on everything in your first year 50:57 Development lending, and why the banks pulled back 53:27 Private credit, and the banks now competing to come back in 55:51 The decision tree on a site the bank said no to 58:52 Making the complex simple, and why that is the whole job Stephen Michaels and Jonathan Valentino settle $1.1 billion a year without advertising. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.

Rob and Andrew Gray had 650 people on a waitlist for a project they had not started marketing. They also say one bad project can undo ten years of good ones, which is why they are careful in a way most developers are not. Graya is a Gold Coast development and construction business run by two brothers, whose father was a quantity surveyor. What you will learn: - How 650 registrations before any marketing tells them what to build and how big - Why they measure success by whether their buyers resell at a profit, not by their own margin - The one bad project problem, and how a decade of track record can come undone - How they split the business: construction, marketing and sales against development - Where they tell a new developer to start, and whether renovations come first Chapters 00:00 What they have learned about success 05:50 Why holding a site while interest ticks changes everything 11:26 Splitting the roles: construction and sales against development 17:20 The option contract, and amalgamating two properties into one site 22:25 The copycats, and what they cannot replicate 27:58 A pipeline that has passed 1.5 billion 33:16 Developer licensing, and pushing liability onto developers 38:26 Sports players, musicians and politicians as buyers 44:02 Asking for feedback without taking all of it on board Rob and Andrew Gray had 650 buyers waiting before they'd spent a dollar on marketing. Property should work the same way. Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points. Get the free guide: https://go.bothsides.au/score Follow Rob and Andrew Gray: ◼️ Rob - https://www.instagram.com/rob.graya/ ◼️ Andrew - https://www.instagram.com/andrew.graya/ ◼️ Graya - https://www.instagram.com/graya/ Bothsides: ◼️ The weekly email - https://bothsides.au ◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au ◼️ Dan - https://www.instagram.com/daniel_beardall/ ◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.