The Property Mindset

In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country. This conversation takes a deep dive into rentvesting, renting where you want to live while investing in markets that better support your financial goals.We unpack why this strategy still feels uncomfortable for many people, from social expectations through to the desire for stability, and how shifting your mindset can open up more flexible pathways forward. We also discuss several key ideas:• Why renting can sometimes be the more strategic financial decision• How rentvesting can improve borrowing capacity and asset selection• The importance of discipline and avoiding “half-committing” to the strategy• When rentvesting makes sense (and when it doesn’t)• Why alignment with your partner is critical for long-term success The episode also explores the practical side of rentvesting, including how to think about timelines, cash flow, and the trade-offs between lifestyle and financial outcomes.By the end of the episode, the message is clear: rentvesting isn’t about avoiding home ownership, it’s about choosing the right sequence to build momentum and create better options over time. Connect with me here: https://shorefinancial.com.au/matthewcurle

In this episode of The Property Mindset, I’m joined again by Julian Nikolitsis from Prop Moves Australia. Together, we strip property investing back to fundamentals and break down the key concepts every investor needs to understand in plain English. We cover the core building blocks of investing, from loan structures and cash flow to how to properly think about growth, risk, and long-term strategy. To break this down, we discuss several key ideas:• The difference between principal & interest vs interest-only loans and when each makes sense• What rental yield actually tells you (and why it often gets misunderstood)• How to think about supply, demand, vacancy rates, and days on market• The difference between good debt and bad debt, and why it matters long-term• The real cost of holding a property, including all the hidden expenses most investors miss• The three common ways people use property to build wealth over time We also unpack why chasing high yields can often lead to higher risk, why holding costs are frequently underestimated, and how having the right strategy and buffers in place can prevent costly mistakes. By the end of the episode, the goal is simple: give you a clear framework to understand how the fundamentals work together, so you can make better property decisions without getting lost in the noise.

One of the first questions people ask when they’re ready to invest is, “Where should I buy?” It seems logical, but in reality, focusing on location too early often leads to the wrong decisions. Without understanding your strategy, your budget, and what the property needs to do, even the “right” location can produce the wrong outcome. In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country.This conversation breaks down one of the most misunderstood parts of property investing: location, and why it’s often overemphasised without the right context.We unpack what people are really asking when they focus on suburbs and postcodes, and why chasing “blue chip” areas or following the herd can lead to missed opportunities.We also discuss several key ideas:• Why “where should I buy?” is often the wrong starting question• The myth of blue chip locations and why performance matters more• How timing and growth cycles impact different markets• When yield matters (and when it doesn’t) in your strategy• Why diversifying across multiple markets reduces risk and increases opportunityThe episode also explores how experienced investors identify growth pockets, assess multiple fundamentals beyond surface-level data, and avoid common mistakes like buying based on familiarity or emotion.By the end of the episode, the message is clear: location matters, but only when it aligns with your strategy, your timing, and your long-term plan.Connect with me here: https://shorefinancial.com.au/matthewcurle

In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country.This conversation is all about the first property decision, and how choosing between owner-occupier and investment can either create flexibility or limit your options moving forward.We unpack why so many people feel stuck at this stage, from analysis paralysis and social pressure through to the tension between lifestyle and long-term outcomes.We also discuss several key ideas:• Why the first property decision is often driven by emotion rather than strategy• The key differences between buying to live in versus buying to invest• How “rentvesting” can create more flexibility in high-priced markets• When government incentives can actually hold you back• Why over-leveraging on your first property can limit future opportunitiesThe episode also explores how experienced investors approach this decision, including how they think about borrowing capacity, cash flow, and asset selection, and why flexibility is one of the most important factors early on.By the end of the episode, the message is simple: your first property doesn’t need to be perfect, but it does need to align with where you’re trying to go, not just where you are today.Connect with me here: https://shorefinancial.com.au/matthewcurle

In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia, who has helped clients purchase more than $1 billion in residential real estate across the country.This conversation focuses on what strategy actually means in property investing, and why skipping this step is one of the biggest reasons people end up with underperforming portfolios.We break down the key elements that shape a strong strategy, including understanding your “why,” aligning with your partner, and building a plan that is both simple and adaptable over time.We also discuss several key ideas:• Why buying a “good property” without a strategy often leads to poor results• How risk tolerance and personal circumstances should shape every decision• Why copying other people’s strategies rarely works• How alignment (with your partner and your advisors) impacts long-term success• Why simple, repeatable strategies outperform complex onesThe episode also explores how experienced investors think about budgeting, cash flow, and long-term planning, and why property investing should be treated as a flexible, evolving process rather than a fixed plan.By the end of the episode, the message is clear: successful property investing isn’t about chasing deals. It’s about making decisions that align with your life, your goals, and your capacity to hold and grow assets over time.Connect with me here: https://shorefinancial.com.au/matthewcurle

One of the biggest misconceptions in property is that success comes down to luck. Buying the right suburb at the right time. In reality, the strongest outcomes usually come from experience, structured decision-making, and learning from patterns across many transactions.In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia and a seasoned property investor who has helped clients purchase more than $1 billion in residential real estate across the country.This conversation explores Julian’s journey into property, including his upbringing in Melbourne, his early career in FMCG and the fitness industry, and how those experiences shaped the disciplined and process-driven approach he now brings to property investing.We also discuss several key ideas:• Why many successful investors don’t come from wealthy backgrounds• How experience and process matter more than trying to perfectly time the market• Why delegating to experienced professionals can accelerate results• How the right property decision early on can shorten the path to the next investmentThe episode also explores how experienced investors assess markets, and why relying on a single metric like population growth can be misleading. Instead, strong decisions tend to come from looking at multiple fundamentals including supply, demand, economic activity, and rental pressure.By the end of the episode, the message is simple: successful property outcomes rarely happen by accident. They come from having a clear plan, surrounding yourself with the right expertise, and taking action rather than sitting on the sidelines.Connect with me here: https://shorefinancial.com.au/matthewcurle

If you step back and look at the national conversation in Australia, almost everything eventually circles back to property. House prices, interest rates, rent, construction costs, and the housing crisis dominate the news, family conversations, and many people’s long-term financial plans.In this episode of The Property Mindset, I’m joined by Julian Nicolitsis, co-founder of Prop Moves Australia and a seasoned investor who has helped clients purchase more than $1 billion in residential property. Together, we unpack why property has become such a defining part of Australia’s financial culture.We explore how immigration, cultural values, government policy, and decades of strong performance have shaped property into the default path to financial security for many Australians.To break this down, we discuss several key ideas:• Why property has become the most relatable investment for everyday Australians• How government policy and incentives have steered capital toward housing• Why property’s long-term performance continues to reinforce the obsession• How perception, media narratives, and financial literacy shape whether people feel ahead or behindThe episode also explores how property has influenced the way Australians think about work, business, and wealth creation, and why many people see it as the most accessible path to long-term financial security.By the end of the episode, we step back from the headlines and focus on how individuals can think about property more clearly and make decisions based on strategy rather than noise.Connect with me here: https://shorefinancial.com.au/matthewcurle