Send us a text

Saimon Sami from Trinity Legal and Migration shares essential legal insights for property buyers, emphasizing that solicitors act as "personal bodyguards" through the property purchase journey.

• Solicitors provide comprehensive legal protection compared to conveyancers, who focus only on transfers
• Contract review is crucial for identifying risks like easements, covenants, and special conditions that could impact your purchase
• Every state has different legal requirements - cooling-off periods range from none in WA to five days in NSW
• Settlement processes have modernized from chaotic in-person check exchanges to streamlined 45-minute digital transfers on PEXA
• Building and pest clauses, finance conditions, and settlement dates are three critical contract elements buyers should carefully review
• Stamp duty and land tax regulations vary significantly between states, with Victoria currently having the highest rates
• Working with a coordinated team of professionals (solicitor, buyer's agent, mortgage broker) creates a smoother purchasing experience

We've turned on Fan Mail! Send us your questions, feedback, or comments through the link in our show notes - we'd love to hear from you and possibly address your questions in future episodes.

**
Edit - Land Tax Threshold in Victoria

As of the 2024–2025 financial year, the land tax threshold in Victoria (VIC) is:

✅ Land Tax Threshold (VIC – 2024–25):
Type Threshold General landowners | $50,000
Trusts (special trust rates) | $25,000

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

Send us a text

Financial advisor Kyrillos Ghaly (KG) explains how Self-Managed Super Funds work and their unique advantages for property investors. He breaks down the misconceptions, costs, and strategic benefits of SMSFs while highlighting their potential to dramatically increase your property portfolio.

• SMSFs allow investment in "exotic assets" like direct property ownership that retail super funds don't offer
• Setting up an SMSF typically costs over $2,000 with ongoing expenses for compliance, tax returns and financial advice
• Ideal candidates have at least $250,000-$500,000 in combined super balances
• Couples can combine their superannuation in an SMSF, making it more accessible for many Australians
• Properties in SMSFs must be genuine investments - you and family members cannot live in them
• SMSFs require specialized loans called Limited Recourse Borrowing Arrangements (LRBAs)
• Capital gains in an SMSF are taxed at just 10% after 12 months
• When you reach retirement and convert to pension mode, you pay 0% tax on everything
• Setting up requires SMSF-accredited professionals - either financial advisors or accountants
• Regular tax compliance is essential - non-compliant SMSFs face tax rates of 47%

If you'd like to learn more about setting up an SMSF or exploring whether it's right for you, visit Trinity Advice at trinityadvice.com.au or search for KG (Kyrillos Roman) or Joseph Meawad on LinkedIn.

This episode is also brought to you by Digital One Agency – experts in custom mobile app and website development. Ready to build something amazing? Visit www.d1a.com.au or call (02) 9057 9079. Mention this podcast to get a free consultation.

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

The Australian property market shows varied performance with national dwelling values rising 0.7% over the March quarter while annual growth softens to 3.4%. Brisbane, Adelaide, and Perth lead the pack with strong growth and record-high values, while Sydney and Melbourne show more modest improvements.

• National dwelling values up 0.7% for March quarter, returning to positive territory
• Houses now commanding a 31.5% premium over units
• Brisbane (8.6%), Adelaide (11%), and Perth (11.9%) showing strongest annual growth
• Properties taking longer to sell nationally, up to 40 days from 30 days last year
• Stock remains tight with total listings 11% below the five-year average
• Rental growth slowing to 3.8% year-on-year, the slowest pace in four years
• New NSW pet laws coming July 2025 making it harder for landlords to refuse pets
• Big four banks expecting a 25 basis points rate cut in May
• Investor lending up 22.6% year-on-year despite slight quarterly decline
• First home buyers make up 29.2% of owner-occupied lending, above decade average

If you found this helpful, please follow, rate, share, and tell your friends. We really want to get more people listening and getting educated. If you have specific topics you want us to cover or guests you'd like us to have on, let us know at hello@firstbrick.com.au.

This episode is proudly sponsored by Digital One Agency – your go-to team for custom website and mobile app development. Whether you're a startup with a fresh idea or an established brand ready to level up your tech, Digital One delivers world-class results you can count on.

Visit www.d1a.com.au or call us on (02) 9057 9079 to chat with the team today.

Website: www.d1a.com.au

Phone: (02) 9057 9079

This episode is brought to you by Digital One Agency – experts in custom mobile app and website development. Ready to build something amazing? Visit www.d1a.com.au or call (02) 9057 9079. Mention this podcast to get a free consultation.

The Property Calculator Australia App is the must have app for anyone buying property in Australia. PCAU helps you calculate Stamp Duty, Loan Repayments, and upfront costs in seconds.
No Ads, No Guesswork - Just clean, powerful property math.

Download Property Calculator Australia now on the App Store or Google Play... And Start Crunching those numbers like a pro!

The property market shows remarkable resilience despite interest rate increases from historic lows of 1.98% to current rates of 6.4% for owner-occupied and 7% for investment loans. Market sentiment is improving with the recent rate cut, creating both challenges and opportunities for prospective buyers.

• Interest rates have increased dramatically since COVID yet property markets remain strong
• Many markets including Adelaide, Brisbane, and Perth continue to show positive growth
• Fixed rates used to be lower than variable, but the situation has now reversed
• Best time to buy is "when you can" rather than waiting for perfect conditions
• Increased competition expected when the next rate cut occurs
• Self-Managed Super Funds (SMSFs) becoming increasingly popular for property investment
• Different ownership structures emerging including corporate trusts for asset protection
• Positive cash flow investments harder to find but still achievable with larger deposits
• Banks continue to offer numerous lending options despite tighter conditions
• Many borrowers unaware of their current position or available options

Contact Fadi Youssef - Powerloans - Mortgage Broker to understand your borrowing options and ensure you're getting the best possible interest rate on your existing loans.

Intro for Property And Lending Show

Welcome back to another Property Newscast on The Property & Finance Show with your host Kyrillos Mansour (KM), founder of First Brick Property Buyers Agency.

In this episode, I unpack the latest insights from the CoreLogic March 2025 Housing Chart Pack, covering everything you need to know about Australia’s property market right now.

We dive into:
🏡 What’s happening nationally with property values
📉 Why Sydney and Melbourne are lagging behind
📈 The capital cities still hitting record highs
📊 Listing levels, vendor discounting & days on market
💸 Rental market trends & where yields are highest
🏦 The first RBA rate cut since 2020 – and how it impacts buyers, sellers & investors

Whether you're just starting out or scaling your portfolio, this is a must-listen market update to stay ahead of the curve.

🎙️ Hosted by Kyrillos Mansour (KM), founder of First Brick Property Buyers Agency
👉 Follow for weekly insights into property, finance, and building long-term wealth.

#PropertyNewscast #ThePropertyAndFinanceShow #FirstBrick #AustralianProperty #PropertyInvestment #MarketUpdate #RealEstatePodcast

Intro for Property And Lending Show

Breaking into property investment doesn't require a fortune or decades of expertise – just the right foundation and a clear understanding of your options. In this enlightening conversation with Kyrillos Mansour from First Brick Property Buyers Agency, we strip away the complexity surrounding first-time property investing to reveal accessible pathways that most Australians never discover.

Kyrillos shares how his journey from optometrist to property buyer's agent revealed the transformative power of that critical first investment property. Working with first-time investors, he's witnessed how the right initial purchase creates options and opportunities that compound over time, while poor choices can stifle progress for years.

We tackle the biggest misconception keeping potential investors sidelined – that enormous capital is required to enter the market. From professional packages allowing doctors and lawyers to borrow up to 95% without LMI, to family guarantee loans enabling zero-deposit purchasing, today's lending landscape offers multiple entry points for prepared investors. You'll learn exactly how these strategies work and which might suit your circumstances.

The age-old debate between growth-focused versus yield-focused properties gets practical examination through the lens of different investor profiles – from high-income medical professionals to single-income earners just starting their careers. Kyrillos explains why "growth is king" while acknowledging serviceability matters tremendously when building a sustainable portfolio.

Perhaps most valuable is the perspective shift around timing and location. Rather than obsessing over interest rate fluctuations or limiting yourself to familiar suburbs, successful investors adopt what Phil calls "strategic patience" – understanding property investment is fundamentally a "get rich slow scheme" that rewards thoughtful, data-driven decisions held through multiple market cycles.

Ready to place your first brick in the foundation of your investment future? This episode provides the blueprint you've been searching for.

This episode was recorded Via The Smart Property Investment Show

Episode has not been altered in any way

Intro for Property And Lending Show

Welcome to the first episode of Property Newscast, your go-to update for all things real estate! In this episode, Host Kyrillos Mansour (KM) breaks down the latest insights from CoreLogic’s February 2025 Housing Chart Pack, covering:

🏡 National market trends – Where are prices heading?
📍 City-by-city breakdown – Which markets are rising, and which are cooling off?
📉 Sales activity & listings – Are properties taking longer to sell?
💰 Rental market insights – What’s happening with rents and yields?
🏦 Interest rates & finance – Could a rate cut be coming soon?

Whether you’re an investor, buyer, or just keen to stay ahead in the property game, this episode is packed with insights to keep you informed.

👉 Subscribe, leave a review, and follow on Socials for more property insights!

🎙️ Tune in now!

Intro for Property And Lending Show

The Property and Lending Show is Back for 2025

All new equipment, all new episodes, different ways to communicate

Tune in for all your real estate news, tips, tricks advice

Heads up, there may be a name change soon as we expand the topics of our conversations too

Have topic requests, guest requests etc?

Let us know

Send us a DM on Instagram or email us at hello@firstbrick.com.au