The Buy-In

The 5% Deposit Scheme in the spotlight – and could it help you get into the property market?Trent and Simon break down the First Home Guarantee (5% Deposit Scheme), explaining how it works, what’s changed, and who it really benefits. From higher price caps and unlimited places to the real-world risks around affordability and mortgage stress, this episode delivers practical, on-the-ground insights from property and lending experts .Topics covered:What the 5% Deposit Scheme actually is (and why it’s not new)  Key changes in 2025/2026: removal of income caps, unlimited places, higher property price limits  How the government guarantee replaces LMI and impacts interest rates  Who’s eligible (including single parents and non-first-home buyers)  The reality of affordability, compromise, and why your first home doesn’t need to be your forever home  Risks to watch: mortgage stress, servicing limits, and rising prices under capped schemes  Considerations for self-employed buyers and non-PAYG income  Connect with Trent & Simon:Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/Get in touch:Instagram: https://www.instagram.com/sevenfoldproperty/LinkedIn: https://www.linkedin.com/company/sevenfoldpropertyYouTube: https://www.youtube.com/@SevenfoldPropertyGroupEmail: hello@sevenfoldproperty.com.auLearn more:Sevenfold Property: https://www.sevenfoldproperty.com.au/Your Future Strategy: https://yourfuturestrategy.com.au/Disclaimer:https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Why do so many SMSFs buy property - and what are the rules you can’t afford to miss? Trent and Simon continue the SMSF series with Gareth Croy (Your Future Strategy), diving into how property fits inside super, from growth math to borrowing structures and compliance traps.Topics Covered:Why property in super: leverage, compounding growth, and tax-free gains in pension phaseDiversification & liquidity: not putting all eggs in one basket, smoothing returns, cash buffersWhat’s allowed: repairs vs improvements, Related-party rules: no private use/letting; commercial property exceptions on market termsConnect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠Gareth Croy: https://www.linkedin.com/in/garethcroy/ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Thinking about a self-managed super fund? Trent and Simon sit down with Gareth Croy (Managing Director, Your Future Strategy) to unpack what an SMSF is, why people set one up, and how to decide if it fits your retirement strategy. From control and tax planning to trustees, members and audits—this is your clear, practical primer.Topics Covered: What an SMSF is: members, trustees, corporate vs individual trustee, lender preferencesRoles & duties: investment strategy, risk, liquidity, insurance, the sole-purpose testSetup & costs: trust deed, ABN/TFN, rollovers, bank accounts, fixed vs percentage fees.Connect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠Gareth Croy: https://www.linkedin.com/in/garethcroy/ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Conveyancing shouldn’t be an afterthought. In this episode of The Buy-In, Trent and Simon are joined by Lisa Croy (Principal, Croy Legal) to unpack the legal must-knows before you sign. From adding a solicitor-review clause to avoiding costly contract traps, Lisa explains how to protect yourself at every step.Topics Covered: When to involve a solicitor (hint: before you sign) and solicitor vs. conveyancerContract pitfalls: deposit timing/bank limits, “subject to sale” traps, entity names, nominee clausesOwnership structure: joint tenants vs tenants in common (and why it matters)Connect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠Lisa Croy: https://www.linkedin.com/in/lisa-croy-53359222b/ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Negative gearing gets a lot of headlines - but how does it actually work, who benefits, and where can investors come unstuck?In this episode of The Buy-In, Trent and Simon welcome back Bodie Simpson, Director of Accounting at Your Future Strategy, to demystify negative gearing and its close cousins: depreciation schedules, PAYG variations, and interest deductibility on new builds. They dig into strategy first (growth and cash flow), tax second - so you’re not chasing refunds at the expense of returns.Topics Covered: What negative gearing is (and isn’t) - and why it generally suits higher-income earnersCash flow pitfalls, PAYG variations, and discipline vs. big tax-time chequesNew builds: claiming construction interest (and when to amend past returns)Connect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠Bodie Simpson: https://www.linkedin.com/in/bodie-simpson-938a44134/ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

When it’s time to sell an investment property, timing and structure matter just as much as the purchase itself.In this episode of The Buy-In, Trent and Simon are joined by special guest Bodie Simpson, Director of Accounting at Your Future Strategy, to unpack the key considerations around divesting property, capital gains tax (CGT), and entity structuring.Topics Covered:How to prepare your lending and banking for a property saleChoosing the right ownership structure from the startWhy record keeping and professional advice are essentialConnect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Welcome to The Buy-In, where we unpack everything property - from strategy to lending and everything in between.In this episode, Sevenfold Property Group’s Director of Property Strategy Trent Cripps and Director of Lending at Your Future Strategy Simon Podger tackle a common investor question: is it smarter to buy one higher-value property, or two mid-priced assets? They compare diversification, vacancy risk, yields, LMI and cash-flow impacts, and how loan structuring (avoiding cross-collateralisation) and equity recycling affect your ability to keep growing. They also cover land-tax considerations, tenant profiles, and how time horizon and risk tolerance should shape the call.Whether you’re early in your journey or optimising a growing portfolio, this episode helps you align asset selection with strategy - not headlines.Topics CoveredDiversification vs concentration: risk, yield and vacancy dynamicsLending structure, LMI, equity access and serviceabilityTime horizon, tax (incl. land tax) and exit/liquidity planningConnect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Welcome to The Buy-In, the podcast where we unpack everything property - from strategy to lending and everything in between.In this episode, Sevenfold Property Group’s Director of Property Strategy Trent Cripps and Director of Lending at Your Future Strategy Simon Podger explore how the pandemic reshaped Australia’s property map - and what it means for investors choosing between regional and city markets.They unpack how lifestyle shifts, hybrid work models, and supply-demand pressures are driving new opportunities across regional Australia. Plus, they discuss why fundamentals still matter, the risks of mining towns, and how to use smart lending strategies like debt recycling to fund long-term growth.Whether you’re investing in coastal lifestyle regions or capital city suburbs, this episode will help you build a balanced portfolio with strategy and foresight.Topics Covered:Regional growth vs CBD performanceThe impact of remote work and lifestyle shiftsHow a lending strategy (like debt recycling) accelerates portfolio growthConnect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us on Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Welcome to The Buy-In, the podcast where we unpack everything property - from strategy to lending and everything in between.In this episode, Sevenfold Property Group’s Director of Property Strategy, Trent Cripps, and Director of Lending at Your Future Strategy, Simon Podger, tackle one of the most debated topics in real estate: Units vs. Houses.They break down the long-term performance of land appreciation versus unit supply, explore how lifestyle shifts and lending realities are reshaping the market, and discuss the key opportunities and risks that every investor should understand before choosing their next asset.Whether you’re weighing up your first investment or managing a growing portfolio, this episode will help you see where real value lies - and how to make your property decisions with confidence.Topics Covered:Long-term performance: Land appreciation vs. unit supply.Shifting lifestyles, lending realities, and market pressures.Opportunities and risks in the unit marketConnect with Trent & Simon:Trent Cripps: ⁠https://www.linkedin.com/in/trent-cripps-9437488/⁠Simon Podger: ⁠https://www.linkedin.com/in/simon-podger-630a9734/⁠ Get In Touch:Instagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠LinkedIn: ⁠https://www.linkedin.com/company/sevenfoldproperty⁠YouTube: ⁠https://www.youtube.com/@SevenfoldPropertyGroup⁠Email: ⁠hello@sevenfoldproperty.com.au⁠ Learn more:Sevenfold Property: ⁠https://www.sevenfoldproperty.com.au/⁠Your Future Strategy: ⁠https://yourfuturestrategy.com.au/⁠Want to get involved? Reach out to us onInstagram: ⁠https://www.instagram.com/sevenfoldproperty/⁠ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Welcome to The Buy-In, the podcast where we unpack everything property - from strategy to lending and everything in between.In this episode, Sevenfold Property Group’s Director of Property Strategy, Trent Cripps, and Director of Lending at Your Future Strategy, Simon Podger, explore how investors can use the property clock to make smarter decisions.They break down what the clock represents, why every market across Australia moves differently, and how economic shifts - such as interest rate changes and global events - can accelerate or slow down those cycles.Whether you’re a seasoned investor or just starting to build your portfolio, this episode helps you understand when to buy, when to hold, and how to position your portfolio for the next wave of growth.Topics Covered: The Property Clock is a framework, not a forecastTiming matters, but strategy matters moreDiversification and lending strategy create stabilityConnect with Trent & Simon:Trent Cripps: https://www.linkedin.com/in/trent-cripps-9437488/Simon Podger: https://www.linkedin.com/in/simon-podger-630a9734/Get In Touch:Instagram: https://www.instagram.com/sevenfoldproperty/LinkedIn: https://www.linkedin.com/company/sevenfoldpropertyYouTube: https://www.youtube.com/@SevenfoldPropertyGroupEmail: hello@sevenfoldproperty.com.auLearn more:Sevenfold Property: https://www.sevenfoldproperty.com.au/Your Future Strategy: https://yourfuturestrategy.com.au/Want to get involved? Reach out to us on Instagram: https://www.instagram.com/sevenfoldproperty/ Disclaimer: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/