This week its just The Nerds breaking down the finance traps that trip buyers and investors every cycle. From the “computer says no” myth to the hidden risks of cross collateralisation and why a property plan fails without a funding strategy, the Nerds share real client stories, practical fixes, and a surprise bonus mistake at the end. They also unpack how lenders play pricing games around rate cuts and what the new first-home buyer changes could mean for deposits, demand and prices.

Timestamps:

0:00 - Cold open: “Property is the game of finance”

0:29 - Setup: 3 finance mistakes… plus a bonus at the end

1:54 - Rate cuts, not always good news: how lenders play pricing games

3:40 - The “wait for the rate cut” trap: why delaying can cost you

6:30 - Big policy shift: First home buyer changes

9:50 - Front-loaded demand: why early movers benefit most

12:30 - Mistake #1: One lender’s “no” ≠ no

16:30 - Mistake #2: Cross collateralisation risks & painful partial discharges

21:00 - Banks vs brokers: best interest duty, speed vs structure

22:10 - Mistake #3: Funding strategy

26:15 (don’t sell just because it finally grew)

Listen for: quick frameworks you can apply before your next loan, refinance or purchase plus the mindset to avoid paralysis when the rules change.

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Website: https://www.investorkit.com.au/

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/