The Buy-In

A bank valuation can make or break your finance approval, and when it comes in below your purchase price, it can throw your whole plan into chaos.In this episode of The Buy-In, Trent Cripps (Director of Property Strategy, Sevenfold Property Group) and Simon Podger (Director of Lending, Your Future Strategy) break down how property valuations work in Australia, why lenders order them, and what to do when a valuation falls short.You’ll learn the difference between a full valuation, a desktop valuation, an AVM and a contract-of-sale assessment, how lenders decide which one to use, why valuations can sometimes be conservative, and how comparable sales influence the outcome.Plus, Trent and Simon explore the practical options when a bank valuation comes in low, from challenging it with supporting evidence to switching lenders, adjusting building plans or contributing additional funds.Whether you’re buying your first home or your next investment property, understanding the valuation process and how it affects your LVR and financing options can help you navigate the buying process with greater confidence.👉 Need a hand with finance or property strategy? The teams at Sevenfold Property Group and Your Future Strategy can help.🔔 Subscribe for new episodes of The Buy-In.Disclaimer: This episode was recorded in June 2026. The information provided is general in nature and does not constitute financial, credit or investment advice. Lending criteria, valuation processes and outcomes may vary depending on the lender and individual circumstances and are subject to change. We recommend seeking independent professional advice before making any financial or property investment decisions. #BankValuation #PropertyValuation #PropertyInvestmentAustralia #HomeLoans #PropertyInvesting #housing #housingcosts #costsofliving

How to assess a commercial property investment - and how do you know whether a deal is worth the risk?In Episode 2 of The Buy-In: Commercial, Nick and Luke go behind the scenes of how they assess a deal, sharing why off-market opportunities can offer an advantage, and how the right asset management strategy should protect and grow your investment long after settlement.👉🏽 Other takeaways: Learn why a 7% yield isn’t always better than 5%, how an inflated rental income can leave you paying 20–40% above market value, and why buying a $10 million industrial property doesn’t necessarily mean you can move your business into it.CHAPTERS01:10 How to Assess a Commercial Property Deal02:28 Rental Yields: Risk vs Return05:49 Rental Reversion and Investment Opportunities08:19 The Risks of Tenant Lease Options14:43 Understanding Commercial Property Leases21:00 The Risks of Inflated Rental Income23:09 Net vs Gross Leases Explained27:07 Tenant Quality and Lease Security32:33 Understanding WALE and Lease Expiry Risk35:08 Property Valuations and Market Data37:55 Buying at Auction vs Off-Market42:41 How to Determine a Property's True Value48:19 Why Long-Term Asset Management Matters54:08 Maximising Rental Income and Tenant Retention1:00:24 Long-Term Investment Strategy👥 ABOUT THE HOSTS Nick Selbie, Director of Commercial & Advisory, and Luke Boulden, Head of Acquisitions, bring 35+ years' combined experience on the commercial transaction and brokerage side. The Buy-In: Commercial is the commercial channel of the property podcast The Buy-In, from Sevenfold Property Group. ▶️ Also listen and watch on YouTube - search "The Buy-In: Commercial" 🔔 Subscribe for new episodes on commercial property, yields, leases and due diligence 🌐 Website: sevenfoldproperty.com.au📞1300 123 987✉️ [email protected] ⚠️ This video contains general information only and is not financial, taxation, legal or personal advice. It does not take your objectives, situation or needs into account. Always seek professional advice before making any investment decision.FULL DISCLAIMER 👇🏽https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/ #CommercialProperty #PropertyInvestingAustralia #CommercialRealEstate #podcast

In this special Sydney-recorded episode of The Buy-In, Gareth Croy is joined by Chris Wisbey, General Manager of Scene Finance, to talk about the role lending plays as property investment becomes more sophisticated.They unpack why experienced investors can find themselves hitting borrowing capacity limits despite having significant assets and strong incomes, how the traditional buy-and-hold approach is evolving, and why the right funding strategy needs to work alongside the property strategy.The conversation covers specialist lending, debt-to-income ratios and borrowing capacity, debt recycling, residential and commercial property, value-add and small development strategies, co-living, due diligence and what lenders are actually looking at behind the scenes.They also look at a question investors don’t ask often enough: are the people involved in your property transaction actually aligned with the long-term performance of the asset, or simply incentivised to get the deal done?If you’re building a property portfolio, have reached the point where borrowing is becoming more complex, or are considering what your next move might look like, there’s plenty to take away from this one.▶ Subscribe to The Buy-In for more conversations about property, investment and the strategies behind building a portfolio.IMPORTANT INFORMATIONThe information discussed in this episode is general in nature and does not take into account your personal circumstances, objectives or financial situation. You should seek appropriate professional advice before making financial, lending, tax or property investment decisions. Full disclaimer can be found at the bottom of this page: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/

Residential or commercial, where should your next property dollar go in 2026?Following the biggest property policy changes of 2026, many investors are reassessing where property fits in their long-term strategy. In this episode of The Buy-In, residential specialist Trent Cripps is joined by Nick Selbie, Director of Commercial & Advisory, to compare notes on what's driving the "pause" in residential, why commercial is drawing so much interest, and exactly how investors can diversify or move from resi into commercial if it's right for them. In this episode:- Why residential buyers have hit pause, and why the headlines are overblown- How the 2026 changes (negative gearing, SMSF, CGT) are reshaping strategy- The market read: soft Sydney & Melbourne vs resilient Brisbane & Perth- Where commercial fits; cash flow, leases, sectors and the cycle lag- A full worked example: what it really costs to buy a $1M commercial property (and why a headline 7% yield isn't the whole story.) - Secure income vs value-add: two ways to buy commercial - The exact questions to ask before moving from resi to commercial Chapters: 00:00 – Intro: two experts, one shifting market 01:00 – Why residential buyers have hit pause 03:00 – Negative gearing, SMSF & the 2026 policy shake-up 05:30 – Property is cyclical: what history says happens next 08:00 – Sydney & Melbourne vs Perth & Brisbane12:00 – Where commercial fits: cash flow, leases & the cycle lag17:00 – The $1M example: deposit, real costs & the "7% yield" myth23:00 – Secure income vs value-add: two ways to buy commercial28:00 – Moving from resi to commercial: the questions that matter34:00 – Don't panic-sell: holding (and finding opportunity) in a soft market40:00 – How much do you actually need to get started?45:00 – Get your whole team around the strategy + wrap-up Hosted by Trent Cripps, Director of Property Strategy, and Nick Selbie, Director of Commercial & Advisory, Sevenfold Property Group.General information only. This information should not be relied upon as legal, financial or tax advice. Obtain professional advice relevant to your circumstances before making any decisions. Figures are illustrative examples, not a guarantee of returns. Want to map out your own strategy? Get in touch.

Commercial property investing in Australia, explained. We compare commercial vs residential yields, show how much deposit you really need, and we break down a real $1M industrial deal.Episode 1 of The Buy-In: Commercial. Nick Selbie and Luke Boulden unpack why more residential, and SMSF investors are moving into commercial in 2026: higher yields, longer and more secure leases, and rent that compounds. We bust the "you need millions" myth, walk a $1M industrial strata deal from deposit to cash-on-cash return, explain why the headline yield is a trap (5% vs 7% comes down to one word: risk), and share a due-diligence war story every buyer should hear. Follow The Buy-In: Commercial and never miss an episode. Also on YouTube & Apple Podcasts. This video contains general information only and is not financial, taxation, legal or personal advice. It does not take your objectives, situation or needs into account. Always seek professional advice before making any investment decision.FULL DISCLAIMER: https://www.sevenfoldproperty.com.au/welcome-to-the-buy-in/