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I asked Janine a question that could have got me in trouble: in a couple, is the woman usually the more risk-averse one?Janine admits she had her risk radar up. She was a “she’ll be right” type until her 30s, when she realised she didn’t own a house. Then she did a lot of self-education to get on the same wavelength as Matt.Their first investment felt massive. Now they look at every purchase very differently, and Janine says it didn’t take long before she could see what they were building.Later, her breast cancer diagnosis and treatment changed the way she looked at investing and the life they wanted to live. She talks about that in the full episode.Watch the full episode 👉 https://youtu.be/gvo0UdAFZqo(🎧 or listen on your favourite podcast streaming platform)

🔗 Want help finding a commercial property that stacks up? Book a call: https://www.paliseproperty.com/callback-offer/ __ I sat down with Phil Tarrant on The Smart Property Investment Show to talk about why so many investors are moving into commercial property right now, and whether it’s the right move for you. People still tell me commercial grows slower than residential. It doesn’t. The real difference is cash flow. A $1,000,000 commercial property on a 6% net yield puts $60,000 a year into your account before your mortgage repayments, while a residential property on a 4% gross yield ends up closer to 1.5% net once you’ve paid the outgoings.We also cover the three situations where I’d tell an investor to look at commercial, how cap rate compression and rent increases drive growth, how lease doc loans work, and what you can still buy under $1,500,000. __ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/ — Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible. Contact us: https://www.paliseproperty.com/contact — Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/ — Originally recorded for The Smart Property Investment Show with Phil Tarrant — Connect with The Smart Property Investment Show Website: https://www.smartpropertyinvestment.com.au/ YouTube: https://www.youtube.com/@smartpropertyinvestment Podcast: https://www.smartpropertyinvestment.com.au/podcasts Spotify: https://open.spotify.com/show/7DWmPXxXcMB1F4nJGxFzK6 Apple Podcasts: https://podcasts.apple.com/au/podcast/smart-property-investment/id1062491621 Facebook: https://www.facebook.com/spionline LinkedIn: https://www.linkedin.com/company/smart-property-investment X: https://x.com/spi_online — DISCLAIMER: Not Legal, Financial & Taxation Advice. The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth), and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗 Want help finding a commercial property that stacks up? Book a call: https://www.paliseproperty.com/callback-offer/ __Matt and Janine started buying property in 2018 with no inheritance and no six-figure income. They saved hard, refinanced every time the equity moved, and built a portfolio of ten properties worth millions on paper. They also told me it was the poorest they’d ever felt in their life.Then Janine’s breast cancer diagnosis and treatment changed the way she looked at investing and the life they wanted to live.In this episode, they walk me through what they built, what nearly broke them, and why they sold their residential portfolio to buy one commercial building.We also get into how they think about debt, why every purchase comes with an exit plan, and Janine’s advice for couples who are just starting out. __ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/commercial-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/ — Video produced by Social Wave https://www.socialwave.com.au — DISCLAIMER: Not Legal, Financial & Taxation Advice. The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth), and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

What actually is property development?The textbook answer is buying, improving and selling land and buildings. In practice, it’s about getting more out of a piece of land than it’s giving you right now.It’s harder than buying an established property. You need to understand market drivers, construction and cost management. But it’s also one of the faster ways to hit a net wealth or passive income target, because you can keep it, hold it or sell it.That’s module 1 of our free Property Development Course.Enrol for free here 👉 https://www.propertyinstituteaustralia.com.au/courses/property-development/

🔗 Run the numbers on a commercial property with our free Commercial ROI Calculator: https://www.paliseproperty.com/resource/commercial-roi-calculator/🔗 Want help finding a commercial property that stacks up? Book a call: https://www.paliseproperty.com/callback-offer/__ I’ve just been through an industrial site in Brookvale that sold for $11,500,000 on a 4.43% yield, with 21 months left on the lease and no option to renew.On paper that looks like a lot of money for a short lease and a thin return, and plenty of investors would walk straight past it. In this video I go through the 3 things I check on every deal before I even look at the yield, then I put the numbers into our Commercial ROI calculator to show you what this purchase does over 10 years.__ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice. The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth), and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗Work out how long a commercial property could take to pay off its own loan with our free Paydown Calculator: https://www.paliseproperty.com/resource/commercial-property-paydown-growth-calculator/🔗 Want help finding a sub-million commercial property that stacks up? Book a call: https://www.paliseproperty.com/callback-offer/__The average Australian household is worth about $1,042,000, but once you take out the house they live in and the mortgage on it, there’s roughly $654,000 left that can produce an income. I went back to the 5% rule of thumb for turning net worth into income and checked it against what residential and commercial property pay after costs. The two land a long way apart. Then I loaded a $1 million warehouse into our calculator to show how many years the rent takes to clear the loan on its own.__ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice.The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor, including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth), and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗 Thinking about buying commercial property in New Zealand?Talk to the team here: https://www.paliseproperty.com/callback-offer/__ The Australian dollar is buying about 1.16 New Zealand dollars; there is no stamp duty over there, and industrial stock in the golden triangle is trading around 6.5% when the same building here is closer to 4.5%.I sat down with Matt from Tasman Finance Partners, who arranges lending on both sides of the Tasman, to work out what an Australian has to do to buy commercial property in New Zealand.We go through the structures, the LVR gap, the banks, and the tax obligations that follow you home. I am buying one myself, so this is the research I did before I did it.__ CONNECT WITH MATTHIEU: LinkedIn: https://www.linkedin.com/in/matthieuolowhaanga/ Instagram: https://www.instagram.com/matt.olo.mortgages/ Website: https://www.tasmanfinancepartners.com/__ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.— Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice.The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗 Want to know how New Zealand could fit into your strategy? Book a call: https://www.paliseproperty.com/callback-offer/__New Zealand is 2.5 hours away, it runs on Australian-owned banks and leases you already know how to read, and it doesn’t charge stamp duty or land tax. That got my attention, so I looked at it the way I’d look at any deal.In this video, I go through what it costs to get in and hold, whether you can get your money back out again when you want to, and the assets and cities I’d buy in.__Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice.The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗 Want to know what a commercial asset would actually pay you each month? Talk to the team here: https://www.paliseproperty.com/callback-offer/__ Adrian bought 9 residential properties in 2 years off the back of 4 equity releases, and then he sold every single one of them to buy one commercial property in the Hunter Valley.I did almost the same thing when I sold my residential portfolio and bought a shopping centre, so I got him on to walk through the lot, including the 2 properties he had to dump early and the exact commercial deal he swapped everything for.We also put the paydown numbers on screen at a 51% LVR so you can see where his income lands over the next 15 years.CONNECT WITH ADRIAN: LinkedIn: https://www.instagram.com/integralloansolutions/ Instagram: https://www.linkedin.com/in/adrian-player-a61970220/ Website: https://www.integralloansolutions.com.au/__ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice.The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗 Want to know whether a deal like this stacks up for your situation? Book a call: https://www.paliseproperty.com/callback-offer/__We picked this one up for a client at $2.8 million, which is less than what the houses across the road from it are worth. It’s a freehold retail strip on Sydney’s Northern Beaches with three separate tenancies on 591 square metres of land you own outright, and it sold in two days.In this video, I go through the three things the buyers were actually paying for, then I pull up the cash flow on a 70% loan at 6.5% so you can see what’s left at the end of the year, and how that compares to the same money sitting in a house on that street.__Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice.The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗 Want help finding a sub-million commercial property that stacks up? Book a call: https://www.paliseproperty.com/callback-offer/__I’ve just been looking at a medical property on Sydney’s Northern Beaches that cost $835,000, in a suburb where the houses go for $3 million to $4 million, and it pays its owner an income every year. Commercial under a million has a reputation for being the leftovers of the market, and plenty of buyer’s agents will talk you out of it, so in this video I go through why they do that and what actually moves your risk at this price point. I also walk through four deals we’ve secured recently in Perth, Sydney and Queensland so you can see what a good one looks like.__ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice.The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.

🔗 Weighing up your own commercial purchase? Book a call: https://www.paliseproperty.com/callback-offer/__When I sold down most of my resi to buy a shopping centre, I had to answer this exact question with my own money on the line. If you’ve got the budget for commercial and you’re deciding between two smaller properties or one bigger one, it’s easy to measure the wrong thing and talk yourself into the option that just feels safe. In this video, I walk through how I actually weigh it up, with real numbers on a $2 million budget and why the tenant matters far more than the number of properties you own.__ Join our FREE Course here 👉 https://www.propertyinstituteaustralia.com.au/courses/residential-property/— Steve Palise is a buyer’s agent experienced in sourcing quality commercial property investments. He has helped thousands of clients secure and purchase properties. Steve Palise has worked for Australia’s leading buyers’ agencies and is passionate about helping others to achieve their goals and financial freedom. His philosophy: Investments should increase your wealth and passive income with as little risk as possible.Contact us: https://www.paliseproperty.com/contact— Connect Website: https://www.paliseproperty.com/ Facebook: https://www.facebook.com/paliseproperty/ LinkedIn: https://www.linkedin.com/in/steve-palise Instagram: https://www.instagram.com/paliseproperty/— Video produced by Social Wave https://www.socialwave.com.au— DISCLAIMER: Not Legal, Financial & Taxation Advice.The Listener acknowledges and agrees that: • Any information provided by us is provided as general information and for general information purposes only; • We have not taken the Listeners’ personal and financial circumstances into account when providing information; • We must not and have not provided legal, financial or taxation advice to the Listener; • The information provided must be verified by the Listener prior to the Listener acting or relying on the information by an independent professional advisor including a legal, financial, and taxation advisor and the Listener’s accountant; • The information may not be suitable or applicable to the Listener’s individual circumstances; • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, and we have not provided financial services to the Listener.