Why Most Property Investors Start In The Wrong Place

📅 Book an Initial Strategy Consultation: https://api.leadconnectorhq.com/widge... 🏠 Most investors start with the wrong question. Instead of asking: ❌ What suburb should I buy in? ❌ Should I buy in a trust? ❌ Should I use an SMSF? ❌ What property should I buy? They should be asking: ✅ What am I actually trying to achieve? In this episode, I sit down with Adam from Future Step Mortgage Broking to discuss the proposed property tax changes, negative gearing uncertainty, lending policy changes, property strategy, rentvesting, trusts, SMSFs, and the importance of building the right team around your financial goals. One of the biggest takeaways from this discussion is that the property itself should never be the starting point. Before choosing a suburb, property type, trust structure, or loan strategy, investors need clarity around: 👉 Their long-term goals 👉 Cash flow requirements 👉 Borrowing capacity 👉 Risk tolerance 👉 Wealth creation strategy 👉 Whether property is even the right asset for them We also discuss: 🔹 Proposed negative gearing changes 🔹 How lenders are already adjusting servicing calculations 🔹 Trusts vs personal names vs SMSFs 🔹 Why asset selection matters more than ever 🔹 Rentvesting versus buying a home to live in 🔹 Why "rent money is dead money" isn't always true 🔹 The risks of accumulating properties without a plan 🔹 Why structure should follow strategy 🔹 How to build the right advisory team around your goals Whether you're buying your first investment property, building a portfolio, considering a trust or SMSF, or simply trying to understand how current market conditions may affect your next move, this episode provides a practical framework for thinking about property investing. ⚠️ Disclaimer: This video is general information only and does not constitute financial, tax, legal, lending, or investment advice. Please seek professional advice relevant to your personal circumstances before making any financial decisions. Negative Gearing Changes & Property Strategy in 2026 | Mortgage Broker + Buyer’s Agent Market Update (Australia) In this property podcast episode on the Australian property market, Gianni and Adam from Future Step Mortgage Broking discuss a property market update driven by budget and tax reform, including negative gearing changes affecting lender serviceability calculators even before legislation. They explain how this impacts property investing Australia, especially buying a first investment property or expanding an investment property Australia portfolio, forcing higher deposits, lower purchase expectations, and a stronger focus on yield and asset selection with a buyer’s agent Australia. They stress clarifying goals, choosing the right property strategy, and coordinating advice across a mortgage broker Australia, accountant, and planner on structures like SMSF property investing and trusts and property investing, while considering cashflow, passive income property, capital gains tax implications, and risk tolerance. They also discuss rentvesting, wealth creation Australia, financial freedom, and avoiding influencer-style property advice, emphasizing careful timing, finance clauses, and leverage property advisers. 00:00 Welcome and Market Shifts 00:19 Tax Reform Uncertainty 00:34 Lenders Drop Negative Gearing 01:18 Rework Deals and Yields 01:42 Structure and Advisory Team 03:12 Pause Purchases and Contracts 04:17 Cashflow Over Property Hoarding 05:27 Negative Gearing BBQ Myth 08:52 Goals First Asset Selection 10:37 When Portfolios Go Wrong 12:44 Renting Versus Owning Mindset 16:17 Trust and Content Overload 22:16 Risk Tolerance and Timing 25:27 Good Broker Versus Fast Broker 27:00 Staying Nimble in Volatility 28:58 Property Long Term and Wrap Up 29:33 Squats and Push Up Challenge 30:38 Final Thanks and Sign Off