Major banks are pulling back from trust lending, so how do investors keep growing?

In this episode, Aaron and Nate break down the new lending reality facing Australian property investors, from the rise of non-bank lenders to managing debt-to-income ratios, valuations, and equity without killing cash flow.

They unpack why lender names matter less than strategy, how credit management can unlock borrowing power, and the hidden risks of cross-securitisation. If you’re serious about building a scalable, long-term property portfolio, this episode is essential listening.

Key takeaways:

• Intentionality and focus can lead to significant achievements in property investment.
• The major banks are moving away from trust lending, making non-bank lenders more relevant.
• Investors should prioritise property acquisition over lender names and rates.
• Building a wealth-focused team is crucial for successful property investment.
• Managing credit effectively can enhance borrowing capacity.
• Understanding the impact of interest rates on cash flow is essential for investors.
• Valuations and equity stripping are key strategies for portfolio growth.
• Cross-securitised properties can complicate investment strategies and should be managed carefully.
• Self-managed super funds offer unique advantages for property investment.
• Cash flow management is critical for sustaining a growing property portfolio.

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

👉 Whether you're a first home buyer or expanding your portfolio, Atelier Wealth can help. Book a discovery session with a mortgage broker here: https://calendly.com/atelier-wealth-discovery-team

👉 For everything you need to know about getting a loan approved and buying a property, read the Happy Home Loan Handbook by Aaron Christie-David. Get a FREE chapter here: https://atelierwealth.com.au/the-happy-home-loan-handbook/

What if everything you’ve been told about interest rates and property crashes is wrong? In this episode, I sit down with Terry Ryder, veteran property researcher, author of Why Property Values Rise and Matter, and founder of Hotspotting. Together, we unpack why Australian property prices keep rising, even when experts predict downturns.

Terry brings four decades of market experience, real data, and proven investor principles. He explains what separates successful portfolio builders from those who stay stuck on the sidelines. This isn’t theory. Instead, it’s a clear roadmap for anyone serious about how to buy your first investment property in Australia and build long-term wealth through real estate.

In this episode, you’ll learn:

• Why property values rise during high interest rate periods
• How to build a strong property investment team
• Where to find high-growth, high-yield locations
• The biggest mistakes new investors must avoid
• How to stay the course through market cycles

Key Moments:
00:00 Why property rises despite high interest rates
02:55 Why crash predictions keep failing
06:33 Are buyer’s agents worth the money?
09:29 Property booms during high-rate periods
12:46 How migrant investors spot opportunity faster
15:55 How Terry would start investing from scratch
19:32 How to avoid costly beginner mistakes
22:44 Can you get cash flow and capital growth?
26:31 Which cities are set to boom in 2026?
30:08 Why all Australian markets are rising
33:30 The supply shortage driving price growth
36:37 Will tighter lending change demand?
40:21 Who’s really behind the housing crisis?
43:11 Final advice for serious investors

Connect with Terry Ryder:
Website | LinkedIn

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

👉 Whether you're a first home buyer or expanding your portfolio, Atelier Wealth can help. Book a discovery session with a mortgage broker here: https://calendly.com/atelier-wealth-discovery-team

👉 For everything you need to know about getting a loan approved and buying a property, read the Happy Home Loan Handbook by Aaron Christie-David. Get a FREE chapter here: https://atelierwealth.com.au/the-happy-home-loan-handbook/

What if retiring through property wasn’t just a dream but a proven path anyone could follow? In this episode, we unpack a real-life property journey that started with just $40,000 and grew into full financial independence through strategic real estate investing.

Meet Barney Ellevsen, a former music teacher who, alongside his wife Ruth, built a multi-property portfolio from modest beginnings to retiring in his early 50s. From buying a first fixer-upper to navigating lending changes, family doubts, market cycles, and wealth-building as a couple, Barney shares the raw truth behind long-term property success in Australia. This isn’t theory. It’s decades of lived experience.

In this episode, you’ll learn:

• How to buy your first investment property in Australia
• Building a portfolio with limited cash
• Using equity and cash flow to scale
• Investing as a couple without conflict
• Why timing the market matters less than time in the market

If you’re serious about property investing, this episode is your blueprint.

Subscribe and drop your biggest takeaway in the comments.

Key Moments:
00:00 From $40K to Property Freedom
03:05 The $250K Renovation Breakthrough
05:15 Do You Need a Big Deposit to Start?
10:40 Should You Check With Your Partner Before Buying?
14:20 Is Your Relationship Strong Enough to Build Wealth?
17:50 Risk-Taker vs Risk-Averse: Making Deals Together
22:15 How Life Seasons Shape Your Property Strategy
24:25 Learning Property the Hard Way
27:10 How Investors Bought Before the Internet
34:30 Why Waiting Makes Borrowing Harder
38:55 Can You Still Retire Through Property Now?
41:50 The Great Divide: Owners vs Renters
45:35 The Bank of Mum and Dad Explained
48:20 Should You Wait for a Market Crash?
52:10 Handling Market Cycles and Black Swan Events
54:40 Why Property Rewards Patience

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au