Built Different Podcast

Catherine Cashmore forecast the 2026 peak in Australian property back in 2014. Now she's calling a financial crisis for 2027. Behavioural economist Evan Lucas thinks timing markets is a dangerous game. Buyer's advocate Dawn Fouhy is watching it play out on the ground in Melbourne. Round two with MPA Top 100 Mortgage Broker Aaron Christie-David. The 18-year land cycle and why AI data centres are a land play. Land tax versus stamp duty. Why 54% of federal revenue comes from personal income tax and what that does to first home buyers. HECS debt and shrinking borrowing power. The RBA laying the tarmac for rate rises. The wealth effect. What 2027 looks like if the cycle plays out, and the case for buying when everyone else is scared. Want to talk through your position? Book a free chat with Aaron: https://atelierwealth.com.au/?utm_source=spotify&utm_medium=description&utm_campaign=cashmore-lucas-fouhy-part2 New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 275+ episodes.

At 34, Renuka had no bank card in her own name and her salary wasn't reaching her account. At 43, she owns three Australian properties on one fixed public sector income and is arranging pre-approval on a fourth. She's a single mum to a primary school-aged son in southwest Sydney. In this episode she takes Aaron and Lauren through the whole rebuild: - The $25 a fortnight salary sacrifice a colleague talked her into 15 years ago that became the super balance behind two SMSF properties - Why she bought where she could afford instead of chasing a blue-chip suburb - The six financial advisers who told her they don't deal with anyone under a million dollars - The property deal Lauren stopped her signing after the seller demanded an answer in 24 hours. She shares the cash envelope system, the notes app that runs her budget, and why every decision points at one number: mortgage-free by 50, so she can go and work in the domestic violence and refugee space. If you're rebuilding after a separation, buying on one income, or you've been told no and believed it, start here. Book a discovery call with Aaron Support: 1800RESPECT 1800 737 732, Lifeline 13 11 14, Beyond Blue 1300 22 4636. New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 280+ episodes.

Aaron Christie-David, MPA Top 100 Mortgage Broker, asks his five-year-old and seven-year-old daughters what he does for a living. No guest this week. No lender policy, no borrowing capacity, no numbers on a page. Just a dad, two kids and a microphone, recorded for Father's Day. Aaron sets the tone early - being a parent isn't a right, it's a privilege - and then hands the questions over. They explain Dad's job in one line. They name the family memories that actually stuck, and none of them are the expensive ones. They give the best thing about Dad, then the worst thing about Dad, and they do not hold back. Whether you're building a portfolio for your kids, running a business while trying to be present at home, or you're a dad looking for a reason to hit record this Sunday, this one's for you. Book a chat with the Atelier Wealth team Father's Day is a hard day for a lot of people. Lifeline 13 11 14. Beyond Blue 1300 22 4636. New episodes every Monday, 6:30am. Formerly The Australian Property Investment Podcast - 280+ episodes.

Catherine Cashmore says the 18-year property cycle has peaked, and that Australian property is at the top of it. We spent an hour testing whether that holds up. Catherine is a former president of Prosper Australia and has spent two decades working across land economics and buying property for clients. She forecast the Perth boom in 2019, when Perth had been flat for a decade. Dawn Fouhy, 2026 Buyer's Agent of the Year, joins Aaron Christie-David, MPA Top 100 Mortgage Broker, to pressure test the whole framework. Catherine traces it through Australia's history from the 1890s bust to 1991, 2008 and Covid, and explains why land rather than buildings is what actually moves. She covers why a falling median value hides what happens to individual properties, why Melbourne is affordable and what land tax has to do with it, why she thinks commercial property is the worst place to be right now, and what first home buyers should be weighing up. Dawn asks whether a government heading into an election year could hold the whole thing up. Aaron asks the question everyone asks about forecasts: what if you're wrong? Talk to the team at Atelier Wealth about your borrowing position. New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 270+ episodes.

Marty Fox won't buy an investment property in Melbourne right now, and he'll tell you why. The WHITEFOX CEO and Block judge on Australian property, goal setting, and building 23 offices. In 2021, Marty wrote a five-year goal sheet. Three properties to his name, three thousand followers, and WHITEFOX London scrawled on the last line as the pie in the sky one. He's now responsible for 145 careers across 23 offices with New Zealand and Dubai live, targeting 50 offices across five countries by 2030. Aaron Christie-David goes deep on the goal system Marty carries in his pocket and reads every single day, the four pillars he tells anyone to start with, and the ten resignations in two months that didn't break him. On property: Why he'd buy a family home in Melbourne today but not an investment Where his own money is going instead The four metrics he runs over every deal The one question that exposes what an agent really thinks your home is worth. Then the honest part. The grind from 24 to 29 when he had no brand, no house and no credibility, the phone calls to his mum, and why he says he could not have built any of it without his wife Charlotte. Looking to take the next step? Book in a free discovery call with Aaron. New episodes every Monday, 6:30am. Formerly The Australian Property Investment Podcast - 275+ episodes. General information only. Not financial or credit advice, and it doesn't account for your personal circumstances.

The budget broke the old playbook. This is the new one, with the numbers attached. MPA Top 100 Mortgage Broker Aaron Christie-David and the Atelier Wealth broking team on Australian property right now. A whole lending product gone. Lenders drowning in five times their normal volume. Borrowing strategies written twelve months ago that no longer apply. The team came in to answer one question: what still works? One property now costs $15,000 a year to hold, and everything follows from that. Aaron is joined by Bernadette Christie-David, Damien Walker and Nate Condie, answering listener questions with real figures attached. They cover the trust structure that can quietly undo itself on your credit file, and the cash flow number that stops most portfolios at three or four properties. The team then goes head to head on AMP's 40-year loan term with ten years interest only, Aaron makes his call on where this cycle bottoms and why it is a correction rather than a crash, and they close on a deposit product that has been on the market twelve months without anyone noticing. If you own one property and cannot see how the next one happens, or you are sitting on four and running out of serviceability, this is the one. Book a discovery call with Atelier Wealth New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 275+ episodes. General information only. Not financial or credit advice, and it doesn't account for your personal circumstances.

Rent or buy in 2026? Kerrod Holland went from six figures in the NRL to $700 a $ 700-a-week take-home, with rent at $515 and a newborn. He's a financial adviser now, and he's a buyer in this Australian property market. Kerrod played 70+ games for the Canterbury-Bankstown Bulldogs after seven years as a qualified electrician. Then the contract wasn't renewed. He had cash buffers. He didn't have a framework for risk, and he'd overextended on the assumption the income would keep coming. He's now Managing Director of Tenex Wealth in Newcastle, and this is the conversation he wishes someone had sat him down for at 25. He and MPA Top 100 Mortgage Broker, Aaron Christie-David, get into why he calls the family home a lifestyle asset and not an investment, and why you can only cut 100 per cent of your expenses but have infinite upside on your income. The couple earning $300,000 who wanted an income portfolio while carrying $80,000 in car and personal debt. Why he tells clients not to wait until 60 to take the trip. And the question he asks every couple before he looks at a single number: what does perfect look like to you? Kerrod's views are his own opinion and general information only. Book a discovery call with Aaron: https://calendly.com/atelier-wealth-discovery-team/discovery-call-for-property-investors?month=2026-06 New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 275+ episodes.

Steve Maroun runs a $200M development pipeline at 30 - and says this is the hardest moment in Australian property development in living memory. His family lost nearly everything in the GFC. He's building anyway. Steve, Director of Lanevick, takes Aaron Christie-David through the maths that stopped working: land, build cost and sale price all moving the wrong way at once, to the point where sites approved for six storeys are now worth more with the existing house renovated. He breaks development into four pillars - finance, construction, design and town planning, and sales, and shows where first-time developers quietly destroy their margin before they've turned a sod. Splitter blocks that shrink your buyer pool. Over-capitalising on a build nobody in that suburb can afford. Treating development as something you do on the side. It's also a family story. His father arrived in the early 1980s, started in cement rendering, built a portfolio across the Olympic boom, then watched it unwind in 2008 with only the family home left. What Steve learned in the rebuild is the real lesson here: start small, stay active, run your own race, and stay in the game long enough for the odds to do their work. Book a free discovery call with Aaron New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 275+ episodes. Follow us on Instagram & YouTube

What happens when the footy stops? Jeremy Latimore played 182 NRL games across 11 seasons and 5 clubs - then retirement, COVID, a marriage breakdown, and a seven-figure stock market loss hit all at once. Jeremy joins Aaron Christie-David to talk about the "mental gym" that rebuilt his life: daily routines, goal books and five-year plans. They cover why athletes go broke, the #1 red flag a mate is struggling, buying four properties while moving 16 times between clubs, the mindset of big-game players like Nathan Cleary, and raising resilient kids through action, not words. Raw, funny and brutally honest - this is a masterclass in resilience, money and reinvention. Follow Jeremy on Instagram: @jeremy_latimore — About the show: Built Different is hosted by Aaron Christie-David, mortgage broker and Managing Director of Atelier Wealth. Each episode unpacks property investing, wealth-building and the mindset behind financial success in Australia, with the investors, athletes and entrepreneurs doing it differently. 📩 Connect with Aaron: @aaronc_d ⭐ Enjoyed this episode? Follow the show and leave a review!

The Federal Budget just changed the rules of Australian property investing overnight - negative gearing, CGT discounts, self-managed super funds and the ripple effects will hit every renter, buyer and investor in the country. Sammy Gordon (Australian Property Scout) and Jeremy Iannuzzelli join the show for a post-budget deep dive: why disincentivising investors will trigger a rental super boom, how the new policies draw a permanent line between the haves and have-nots, what's really behind the government's push against SMSFs and payday super, and why sentiment is sitting at GFC lows while seasoned investors are quietly buying more aggressively than ever. If you're wondering whether to sit on your hands or act, this episode is your sentiment check. You'll learn why the next 6-12 months may be the best buying window since COVID, the 12 locations tipped for extreme rental surges, and the mindset shift needed to build wealth when everyone else is frozen. Topics: Australian property market 2026 Negative gearing changes Rental crisis Federal budget property impact SMSF changes Superannuation reform Property investing strategy Buying window Wealth gap Australia Download Sam Gordon's rental superboom white paper here: https://australianpropertyscout.com.au/whitepaper/

The government has ended SMSF residential property lending. You have until August 10 to sign a contract if you want to buy property with your super using borrowing. In this episode, live from our team conference in Cairns: what the SMSF changes mean, who's affected, the week-by-week plan to beat the deadline (24-hour SMSF setups, 3-day rollovers, skipping pre-approval), the negative gearing and capital gains tax changes, and why commercial property lending remains open. Plus: 10 years of Atelier Wealth, the AI tools we're adopting (and the ones we won't use with clients), and the Wheel of Life exercise to try this weekend. Book a strategy call with Aaron: https://atelierwealth.com.au General information only - not personal financial, tax or credit advice.

How do ordinary Australians build extraordinary wealth? Barry and Ruth started with just $40,000 , raised five children, built a property portfolio with more than 100 rental tenancies , and created the financial freedom to choose how they spend their time. In this episode of Built Different, they share the lessons they've learned from decades of investing through changing markets, growing businesses, raising a family, and staying aligned as a couple. The conversation explores the realities of building wealth over the long term, including the challenges of cash flow, managing risk, adapting to changing government policies, and making financial decisions together. If you're interested in Australian property investing, financial freedom, wealth creation, passive income, and building a successful property portfolio, this episode is packed with practical insights you can apply to your own journey. Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. Follow us on social media @_builtdifferentpodcast Book a strategy call: https://www.atelierwealth.com.au Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 6:30 AM.

Economist, author and economic futurist Evan Lucas joins Aaron Christie-David for a wide-ranging conversation on the future of Australia's economy, property market and wealth creation. Together, they unpack the proposed changes to negative gearing and capital gains tax, whether first-home buyers are actually being helped, the reality of cost-of-living pressures, and what investors need to understand about the changing economic landscape. Evan also shares his outlook on interest rates, recession risks, AI's impact on the workforce, and why the biggest advantage investors can develop isn't financial, it's behavioural. Whether you're a property investor, business owner, first-home buyer, or simply trying to make sense of the headlines, this episode offers a balanced and thought-provoking perspective on what's ahead. In this episode: • Negative gearing and CGT changes explained • The unintended consequences of government policy • First-home buyers and housing affordability • Interest rates, inflation and recession risks • AI, productivity and the future of work • Investor psychology and wealth creation • Why gratitude and long-term thinking matter in building wealth If you enjoyed this episode, please follow the show and share it with someone who wants to build wealth and think differently about money, investing and opportunity.

Comment with your email below, and we will send you Jay's National location property growth chart. Australia's property market has changed again. With the Federal Government announcing changes to negative gearing and capital gains tax concessions, investors across the country are asking the same question: What happens next? In this episode of Built Different, Aaron Christie-David sits down with Providence Property's Jay Pace to unpack the real-world impact of property policy changes, investor behaviour, and why headlines rarely tell the full story. Filmed before the government's announcement, this conversation is a fascinating look at the arguments, data, and market forces that continue to shape Australian real estate today. Jay shares why he believes policy changes alone won't solve Australia's housing affordability challenges and why some investors could be missing the bigger picture. You'll learn: • What negative gearing changes could mean for investors • Why affordability is a supply issue, not just a tax issue • The lessons from Australia's previous negative gearing experiment • Why Melbourne may be Australia's most underrated property market • The opportunities emerging in Brisbane and Perth • Why waiting for certainty can be a costly investing mistake • The mindset differences between successful investors and everyone else • How market sentiment creates opportunities for long-term wealth builders Jay also breaks down the numbers behind Australia's strongest-performing property markets and explains why understanding long-term trends often matters more than reacting to short-term headlines. Whether you're buying your first investment property, building a portfolio, or simply trying to make sense of Australia's housing market, this episode delivers a data-driven perspective on what comes next. Connect with Jay Pace Instagram: @providencepropertygroup Providence Property: https://www.providenceproperty.com.au Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. follow us on social media @_builtdifferentpodcast Book a strategy call: https://www.atelierwealth.com.au Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 7AM.

At 34 years old, Michelle and Jono Harley have achieved what many Australians only dream about. Their home is paid off, their investment properties have created financial freedom, and they've spent the last decade making disciplined decisions that transformed their future. But this episode isn't really about property. It's about why we build wealth in the first place. After years of fertility struggles, IVF treatments, pregnancy complications, and the devastating loss of their son at 19 weeks, Michelle and Jono were forced to navigate one of life's hardest challenges. What followed was an extraordinary family journey involving surrogacy, resilience, hope, and the determination to never give up on becoming parents. In this deeply emotional conversation, Aaron Christie-David explores: • Becoming mortgage-free at 34 • Building wealth through renovation and property investing • IVF and fertility challenges • Pregnancy loss and grief • Surrogacy and family support • Financial freedom and creating life choices • Marriage, resilience and long-term success This is one of the most powerful conversations ever shared on Built Different. Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. follow us on social media @_builtdifferentpodcast Book a strategy call: https://www.atelierwealth.com.au Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 6:30 am.

After 265 episodes, we realised something important… the podcast had evolved beyond property. Welcome to Built Different. In this launch episode, Aaron Christie-David, Bernadette Christie-David, and Georgia Matts unpack the full story behind the rebrand from The Australian Property Investment Podcast into something much bigger. This conversation dives into: Why the old podcast name was limiting growth The future vision behind Built Different Wealth creation beyond property Mindset, discipline, consistency, and elite performance Business ambition and entrepreneurship The realities behind success that people never see Why financial stress impacts relationships How successful couples build wealth together The power of thinking bigger We also talk about upcoming conversations with elite athletes, business founders, entrepreneurs, and high performers who are redefining success across sport, business, wealth, and life. This isn’t just a podcast about interest rates and houses anymore. It’s about the people who are built different. Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. Follow us on social media @_builtdifferentpodcast Book a strategy call: Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 7 AM.

Former Gold Coast Titans player Matt Srama joins Built Different for an honest conversation about elite sport, identity, resilience, and building wealth after football. After injuries forced an early end to his NRL career, Matt pivoted into property investing and entrepreneurship, building a portfolio of more than 20 properties while launching a successful Gold Coast buyer’s agency. But this episode goes far deeper than property. Matt opens up about: The sacrifices required to become a professional athlete Why hard work always beats talent when talent stops working The mental pressure of elite sport Identity loss after retirement How injuries changed the course of his life Building wealth through property investing Scaling a business after sport The importance of grit, discipline, and self-belief Why “your business is what you do, not who you are.” The hidden “success tax” high performers pay This is a powerful conversation about purpose, ambition, mindset, reinvention, and learning how to build a life beyond the jersey. Whether you’re an athlete, investor, entrepreneur, or someone navigating a major life transition, this episode is packed with lessons that will stay with you long after it finishes. Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. Follow us on social media @_builtdifferentpodcast Book a strategy call: https://www.atelierwealth.com.au Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 7AM.

Three of Australia’s most outspoken buyer's agents.One room. Zero filters. In this special episode of Built Different, Aaron Christie-David sits down with Sam Gordon, Jack Henderson, and Dawn Fouhy for one of the most heated property investing debates we’ve ever recorded. From blue-chip investing and cash flow strategy to Darwin vs Bronte, negative gearing, investor psychology, and the difference between investing as a “battler” versus investing from a position of wealth… nothing was off limits. This episode dives deep into: ​Cash flow vs capital growth ​Buy & hold vs active portfolio recycling ​Rich vs battler investing strategies ​Property market psychology ​Investor fear and media narratives ​The future of Australian property investing ​Negative gearing changes ​How elite buyers agents actually think Featuring: ​Sam Gordon – Australian Property Scout ​Jack Henderson – Henderson Advocacy ​Dawn Fouhy – Future Proof Property Follow the guests: Sam GordonInstagram: @samgordonproperty Australian Property Scout: https://australianpropertyscout.com.au School of Property: https://schoolofproperty.com.au Jack HendersonInstagram: @jackchendersonHenderson Advocacy: https://hendersonadvocacy.com.au Dawn FouhyInstagram: @futureproofpropertyFuture Proof Property: https://futureproofproperty.com.au Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. Follow us on social media @_builtdifferentpodcast Book a strategy call: https://www.atelierwealth.com.au Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 7 AM.

AFL veteran Taylor Adams joins the podcast for a raw conversation about professional sport, identity, resilience, property investing, and preparing for life after football. Taylor shares stories from his journey through the Australian Football League, including his time with the Greater Western Sydney Giants, Collingwood Football Club, and Sydney Swans. The episode explores: Injuries and mental resilience Dealing with criticism and pressure Leadership and team culture Transitioning from AFL into mortgage broking Property investing and wealth creation Fatherhood and identity shifts Why discipline beats talent Taylor also explains how he started investing in property at 21, why he chose finance after football, and the habits elite performers use to stay consistent under pressure. A powerful episode about reinvention, mindset, and building a life beyond sport. Connect with Atelier Wealth If you're looking to build a strategic property portfolio, the team at Atelier Wealth helps investors structure finance to grow long-term wealth through property. Book a strategy call: https://www.atelierwealth.com.au Subscribe: Subscribe for weekly conversations with Australia’s top investors, entrepreneurs, and business leaders. New episodes every Monday at 7 AM. About Built Different: Built Different is a podcast about wealth, property, mindset, performance, and the psychology behind elite success. Hosted by Aaron Christie-David, each episode explores the habits, discipline, setbacks, and strategies that shape high performers across business, sport, investing, and life. New episodes every Monday at 7 AM. Instagram: @aaronc_d @atelier_wealth @taylorjamesadams YouTube: @_builtdifferentpodcast