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👉 Chat with one of Australia's Best Investment Brokers: Sergio Stefano https://flintgroup.au/sergio-stefano/#schedule_calculator
👉 Work with Redom & FlintInvest: https://rebrand.ly/chatwithflintinvest

10 Lending Hacks with Sergio Stefano
In this episode, we dive into game-changing lending policies and tips to help you expand your property portfolio faster and smarter. Sergio Stefano, finance strategist and mortgage broker, shares insights that most investors miss.

#PropertyInvestment #HomeLoanTips #FinanceHacks #RealEstateAustralia #MortgageStrategy

Chapters
00:00 - 03:28 Getting 95% Loans with No LMI
03:28 - 06:56 Eligibility by Profession & Post-code Explained
06:56 - 10:24 Leveraging Future Income for High-Value Purchases
10:24 - 13:52 Using Non-Banks for Increased Borrowing Power
13:52 - 17:20 The 1% Refinance Strategy to Maximize Equity
17:20 - 20:48 How Different Banks Treat Debts Like HEX, Car Loans & After-pay
20:48 - 24:16 Best Lending Policies for Self-Employed Borrowers
24:16 - 27:44 Breaking the ABN “2-Year” Myth for Business Owners
27:44 - 31:12 Low Doc Loans & Alternate Income Verification
31:12 - 34:40 Final Lending Hacks & Sergio’s Strategic Takeaways

Reach out to us at www.australianpropertytalk.com.au

Send us a text

👉 BUY smarter with Alaya Property’s economics-driven strategy, getting in BEFORE the data shifts. Book your FREE call now: https://rebrand.ly/chatwithalaya
👉 Work with MORTGAGE BROKERS who invest themselves & know markets Australia-wide. Book your FREE strategy session here: https://rebrand.ly/chatwithflintinvest

Thinking of investing in property but unsure where to start? In this episode, we break down two real-life case studies—from a first-time investor navigating uncertainty to a second-time buyer securing a property for his parents’ retirement.

You'll learn:
✅ The emotional and cultural drivers behind property decisions
✅ Smart negotiation strategies (including how we saved $15K on a deal)
✅ Why objective valuation beats gut feeling every time
✅ The power of trust and long-term relationships with agents
✅ How to secure below-market deals in competitive suburbs

This isn’t just another real estate video. It’s a behind-the-scenes look at real negotiation, emotional motivation and strategy-backed buying.

Chapters
00:00 - 03:00 | Chapter 1: Should You Buy? Emotional and Cultural Drivers
03:00 - 07:00 | Chapter 2: Frameworks & Checklists for Property Buying
07:00 - 11:00 | Chapter 3: Property Valuation: Objective vs Emotional
11:00 - 15:00 | Chapter 4: Melton West Case Study – Smart Negotiation
15:00 - 18:45 | Chapter 5: Structural Issues? Here's How We Handled It
18:45 - 22:30 | Chapter 6: Craigieburn Deal – Investing for Family Retirement
22:30 - 26:15 | Chapter 7: Trust Currency & Off-Market Deal Access
26:15 - 30:00 | Chapter 8: Lessons, Strategy & Long-Term Impact

Reach out to us at www.australianpropertytalk.com.au

Send us a text

👉 BUY smarter with Alaya Property’s economics-driven strategy, getting in BEFORE the data shifts. Book your FREE call now: https://rebrand.ly/chatwithalaya
👉 Work with MORTGAGE BROKERS who invest themselves & know markets Australia-wide. Book your FREE strategy session here: https://rebrand.ly/chatwithflintinvest

We break down a real-life $670K property deal in Melbourne that’s already seeing growth. Whether you're a first-time investor or a seasoned buyer, this detailed case study dives into strategy, risk management and why now might be the best time to invest in rising suburbs like Packenham.

We explain how buyer's agents approach deal evaluation, the importance of income in building a portfolio and how off-market opportunities can give you an edge.

#PropertyInvestment #RealEstateAustralia #BuyersAgent #MelbourneProperty

Chapters
00:00:00 - 00:02:26 — Introduction & Personal Journey
00:02:26 - 00:04:52 — Why Property Deals Matter
00:04:52 - 00:07:18 — Adi & The Goal
00:07:18 - 00:09:44 — The Purpose Behind Deal Analysis
00:09:44 - 00:12:10 — From Markets to Assets
00:12:10 - 00:14:36 — Confidence Issues in Property Buying
00:14:36 - 00:17:02 — Real Buyer Case Study
00:17:02 - 00:19:28 — First-Time Investors' Concerns
00:19:28 - 00:21:54 — Why Income Drives Portfolio Growth
00:21:54 - 00:24:20 — Buying Criteria & Strategy
00:24:20 - 00:26:46 — The Pick: Packenham Property
00:26:46 - 00:29:12 — Off-Market Advantage & Deal Structure
00:29:12 - 00:31:38 — Terms, Finance & Returns
00:31:38 - 00:34:04 — Growth Predictions & Revaluation Plans
00:34:04 - 00:36:39 — Takeaways & Investor Mindset

Reach out to us at www.australianpropertytalk.com.au