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 lifts the curtain on what happens behind the scenes in both property acquisition and finance, and why experience, structure, and professional guidance can have such a significant impact on long-term outcomes.We unpack the common misconceptions people have about property investing, borrowing capacity, and building wealth, and explain why clarity is often the missing piece that prevents people from taking action.We also discuss several key ideas:• The biggest barriers people think are holding them back from property investing• Why strategy and education create confidence and reduce costly mistakes• The advantages of working with specialists rather than navigating everything alone• How lending strategy can influence future borrowing capacity and investment opportunities• Why delegating the right tasks often leads to better outcomes and faster progressThe episode also explores how experienced professionals assess opportunities, identify risks, and help clients make informed decisions in an environment where most people only face these choices a handful of times in their lives.By the end of the episode, the message is clear: successful property outcomes aren’t just about the property itself. They come from making informed decisions, having the right team around you, and building a strategy that supports your long-term goals.Connect with me here: https://shorefinancial.com.au/matthewcurle or or https://property-mindset-navigator.lovable.app/

Something a little different in this episode. I’m joined by Theo Chambers, CEO and co-founder of Shore Financial, Australia’s number one independent brokerage, to unpack the journey of building a business from three people in North Sydney to more than 110 staff and over $300 million in monthly loan applications.This conversation steps away from markets and investing strategies and instead focuses on what it actually takes to build, scale, and lead a high-performing business in a constantly changing industry.We unpack Theo’s early days in banking, why he transitioned into mortgage broking, and how identifying gaps in customer experience and broker relationships became the foundation for Shore Financial’s growth.We also discuss several key ideas:• Why technology and customer experience became a competitive advantage early on • The realities of scaling a business from startup to industry leader • How culture, work ethic, and adaptability shape long-term success • Why staying ahead of change matters more than reacting to it • How market noise and uncertainty create opportunity for decisive peopleThe episode also explores the evolution of the mortgage broking industry, the impact of policy and market changes over the last decade, and how businesses need to continuously adapt to remain competitive.By the end of the episode, the message is clear: long-term success, whether in business or investing, comes from consistency, adaptability, and taking action while others are stuck waiting for certainty.Connect with me here: https://shorefinancial.com.au/matthewcurle or https://property-mindset-navigator.lovable.app/

In this episode of The Property Mindset, I’m joined by Theo Chambers, CEO and co-founder of Shore Financial, to unpack what these proposed tax changes actually mean for investors, business owners, and first home buyers.This conversation breaks down the key announcements from the 2026 Federal Budget, including the proposed changes to negative gearing, capital gains tax, and discretionary trust distributions, and explores the real-world implications behind the headlines.We also discuss several key ideas:• Why the proposed changes are being viewed as a broad tax grab rather than an affordability solution• How limiting negative gearing to new builds impacts investors and first home buyers• What the overhaul to capital gains tax could mean for long-term investing• Why trust distribution changes disproportionately affect small business owners• How investors may need to shift towards more cash flow focused strategies moving forwardThe episode also explores the unintended consequences these policies could create, including reduced rental supply, tighter borrowing capacity, and investors holding property for longer periods rather than selling.By the end of the episode, the message is clear: while tax rules and policy settings may evolve, successful investing still comes back to strategy, adaptability, and understanding how to position yourself long term rather than reacting to short-term headlines.Connect with me here: https://shorefinancial.com.au/matthewcurle or https://property-mindset-navigator.lovable.app/

In this episode of The Property Mindset, I’m joined again by Julian Nikolitsis from Prop Moves Australia. Together, we break down how property investing inside super actually works, when it makes sense, and where most people go wrong. We explore why more Australians are starting to look at SMSFs, from the desire for greater control and transparency to the ability to leverage property within super and accelerate long-term growth. To break this down, we discuss several key ideas:• Why SMSFs are becoming more popular and what’s driving the shift• How leverage works inside super and why it can significantly amplify returns• How SMSF lending sits separately from your personal borrowing capacity• The real costs involved, including setup and ongoing fees• The most common mistakes, particularly around poor asset selection• The key rules and limitations that differ from investing in your personal nameWe also unpack the practical realities, including why depreciation matters less inside super, why growth-focused assets are critical, and how SMSFs can be used alongside personal investing strategies rather than replacing them entirely. By the end of the episode, the focus is on clarity. Understanding when an SMSF property strategy is appropriate, how it fits into your broader financial position, and why getting the right structure and advice matters far more than chasing the idea itself. 

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 how capital gains tax actually works, what changes are typically proposed, and why these headlines tend to create more fear than real impact.We unpack how investors typically respond to policy changes, and why short-term reactions often differ from long-term outcomes.We also discuss several key ideas:• How capital gains tax currently works for investment properties• Why proposed changes often create panic but rarely shift fundamentals• What happens to investor behaviour under different CGT scenarios• Why policy changes don’t solve supply and affordability issues• How sophisticated investors adapt compared to everyday investorsThe episode also explores the unintended consequences of tax changes, including how they can impact housing supply, rental markets, and long-term investment behaviour.By the end of the episode, the message is clear: tax rules may change, but the fundamentals of property investing remain the same, and long-term, strategic decision-making will always matter more than short-term noise.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 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

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