No B.S. Property Investing

No B.S. Property Investing

Welcome to The No B.S. Property Investing podcast (brought to you by Ripehouse Advisory) - where data replaces guesswork and strategy beats speculation. Join your host, Julian Nicolitsis (Head of Strategy at Riphouse Advisory), as we cut through all the property investing fluff and nonsense - bringing you proven strategies helping everyday Australians build legitimate property portfolios. Each episode delivers actionable intelligence on what actually moves the needle. We also expose the costly mistakes that trap first-time investors and share the data patterns that predict sustainable growth. Whether you're comparing rentvesting returns, decoding interest rate impacts, or understanding why most property investors never buy a second property - you'll get the unfiltered, no B.S. truth backed by real numbers. Hit subscribe for data-driven property investing insights and tips that successful investors use. New episodes drop every week. Your first investment property is closer than you think.

Episodes

April 28, 2026 15 mins

Negative gearing is back on the chopping block… or at least back in the headlines. In this episode, Jules and Ripehouse GM (and long-time investor) Ian Dowson break down what negative gearing actually is, why it exists, what happened when a government tried to remove it, and what today's proposed changes could really mean for investors, rents and affordability.

You'll hear:
• A simple explanation of negative ...

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Money controls where you live, how you invest, and the wealth you build for your family.

Yet most Australians would rather talk about politics, health, and even their love life - before they'll share anything about their financial situation.

In this episode, we reveal exactly why Australians have such a complex relationship with money, why financial literacy is still so low, and what you can do to change your...

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Most people start property investing in Australia thinking it's all about picking the right property…

Yet the investors who actually build wealth, create passive income, and reach financial freedom start somewhere completely different.

Miss this one step, and every investment property you buy after could be the wrong one.

In this episode of the No BS Property Investing Podcast, we break down one of t...

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Buying an investment property in Australia? Before you decide whether to use a buyer's agent, you need to hear this.

Most property buyers walk into negotiations completely unrepresented, whilst the seller has a professional real estate agent fighting to get the highest price possible.

That imbalance can cost you thousands (or MUCH more).

In this episode of the No BS Property Investing Podcast, we’re ...

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Every year, the headlines scream the same thing: “Crash coming”, “Hotspot revealed”, “Wait or buy?”... but the investors quietly building real wealth aren’t listening to the noise.

In this episode, we’re breaking down what successful property investors in Australia are actually doing in 2026 - and more importantly, what they’re NOT doing.

If you’ve been waiting for the “perfect time” or you’re stuck consuming endl...

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Self-Managed Super Funds are booming in Australia, and more investors than ever are buying property inside their super.

But before you jump into SMSF property investing, you need to understand the rules, risks, and strategies on a deeper level.

In this episode, we’re breaking down exactly when buying property through an SMSF makes sense - and when it’s a costly mistake (as always, seek personalised & profess...

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Every property investor in Australia just got a wake-up call...  the capital gains tax discount is under threat again.

In this episode, we break down the latest discussion around the capital gains tax (CGT) discount in Australia, what it could mean for property investors, and why reacting to headlines could be one of the biggest wealth mistakes everyday Australians make.

If you’re a property investor or aspiring ...

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Interest rates are rising again! But does that actually change anything for property investors?

Every time the RBA announces a rate rise, headlines explode, and the property market conversation goes into panic mode.

In this episode, we break down what interest rate rises really mean for property investors.

More importantly, we explain why experienced investors often see rate cycles as opportunity, not ri...

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Buying property in Australia? Don’t sign that contract until you hear this.

One small legal mistake when purchasing a property can cost you tens of thousands of dollars in stamp duty, capital gains tax, lost deposits, or contract penalties.

In this episode, we sit down with national property law expert, Richie Muir (Legal Director of Lawlab).

Together, we break down the most common legal mistakes prope...

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Banks are pulling back from trust lending… and most property investors don’t understand why.

While APRA has reinforced the 6x Debt-to-Income (DTI) rule, the bigger story is what’s happening inside bank credit policy - particularly around trust structures.

Some lenders have tightened or stepped away from trust lending altogether.

Why?

Because for the past few years, certain strategies have been pu...

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Every generation believes they’ve missed the property market - and every generation is wrong.

If you’ve ever asked yourself “Is it too late to invest in property?”, “Have prices already gone too far?” or “What if I buy now and the market goes nowhere for 10 years?” you NEED to hear this episode.

In this episode of the No BS Property Investing Podcast, we break down one of the most common (and costly) fears in prop...

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If you’ve been “too busy” to invest in property for the last few years, you’ve likely missed more in growth than you earn in a full year of income. But is it too late now? Nope!

The best time to start was in the past... The next best time to start is now.

Every January, thousands of Australians promise themselves that this will be the year they finally get serious about property investing.

Then work pic...

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Planning to invest more in property this year? Borrowing through a trust? You could be on a collision course with new APRA lending caps.

In this episode of the No BS Property Investing Podcast, we’re breaking down two MAJOR changes that are shaking up the Australian property investing landscape:

1. APRA’s new Debt-to-Income (DTI) restrictions

2. The crackdown on trust and company lending (including big mo...

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What actually separates successful property investors from those who get stuck, overleveraged, or disappointed?

This episode breaks down the 5 most critical lessons in property investing.

These lessons can either fast-track wealth creation or quietly hold investors back for decades (if ignored).

You’ll discover what truly makes the difference when it comes to finance structure, asset selection, mindset, ...

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Want to understand what actually drives returns in the Australian property market?

In this episode of the No BS Property Investing Podcast, we’re sharing the real financial “engine room” behind a strong property portfolio strategy.

You’ll hear a range of topics, including: rental yield, borrowing power, cash flow, buffers, negative gearing, and depreciation.

This episode is for you if you’re an aspiring p...

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Natasha Choi is one of Australia’s Top 100 Mortgage Brokers, has helped over 3,000 clients, and settled more than $500 million in loans.

She’s also a property investor, developer, and mother of two.

This episode is a must-listen for people, couple, and women looking to get into property investing.

Whether you're buying your first investment property, planning your next move after a life transition,...

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Less than 10% of investors own more than one property. Natasha Choi owns multiple.

She started at 22, and did it all while raising a family and running a growing career in finance.

In this episode of The No B.S. Property Investing podcast, we sit down with Natasha Choi, senior investment lending manager at the Australian Lending & Investment Centre(ALIC) - and one of Australia's top-performing brokers.

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Thinking about self-managing your rental property to save money?

This episode explains why self-management can cost investors more in vacancies, under-renting, compliance issues, and lost borrowing power - and what smart Australian landlords do instead.

In this episode of the NO BS Property Investing Podcast, we break down why property management is one of the most critical (and misunderstood) parts of successful ...

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Don’t let poor planning cost you thousands… or your property deal!

Whether you're a first-time buyer or a seasoned investor, this episode lays out exactly what to do after your offer is accepted - so you avoid delays, confusion, and expensive mistakes.

Your hosts, Julian and Mark Davis (Founder of ALIC, managing over $4.5 billion in loans), guide you through every step.

You’ll hear about things like ...

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How do you make a winning offer on a property in Australia without overpaying or losing out to savvier buyers? 

Here's what top brokers and buyer’s agents want you to know...

In this episode, we’re tackling the most stressful part of buying property: making an offer and negotiating the deal.

You’ll hear why the traditional approach of leading with your best price often backfires -and what to do instead.

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