『The Grant Me Finance Podcast』のカバーアート

The Grant Me Finance Podcast

The Grant Me Finance Podcast

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Most 22-year-olds are worrying about rent and HECS debt.Sinead is 22, owns two investment properties, and is about to buy her third.And no — her parents didn't give her the money.In this episode, Lloyd Edge sits down with Sinead from Grant Me Finance for an honest conversation about how she bought her first property at just 18, built equity, and used that equity to purchase her second property — without saving another deposit.Sinead started working in a café at 12, saved while finishing school, and at 18 bought a $300K two-bedroom townhouse in regional Queensland without even getting on a plane to inspect it.Now she runs her own mortgage broking business, works with 60+ lenders, and helps young Australians navigate the property market.🏠 WHAT YOU'LL LEARN• How Sinead bought her first investment property at 18• Why your first property doesn't need to be in Sydney• How she used equity from Property #1 to buy Property #2• What to look for when researching regional property• Company and trust structures for property investors• Why Sinead isn't a fan of the government's 5% deposit scheme• How negative gearing changes can affect borrowing capacity• Why using 60+ lenders can give you more options than going directly to a bank• Why building & pest inspections are non-negotiable• How a $600 inspection potentially saved $60,000• What finance clauses and pre-settlement inspections actually mean• The Dream Team: buyer's agent, mortgage broker, accountant and financial planner• Rent vesting — buying where you can afford while living where you want• Guarantor loans and other pathways for first-home buyers⏱️ TIMESTAMPS0:00 – Meet Sinead: 22, two properties & buying her third1:41 – How she bought her first property at 182:08 – Her $300K regional Queensland townhouse3:20 – Why you don't need to buy in Sydney5:07 – Time in the market vs timing the market6:10 – How she saved her first 20% deposit7:11 – Using equity to buy Property #29:00 – Building your property Dream Team9:37 – Company & trust structures explained10:40 – 60+ lenders vs the big four banks15:26 – Rent vesting explained18:35 – The government's 5% deposit scheme20:48 – The alternative: 10% deposit with no LMI22:52 – Negative gearing & borrowing capacity29:34 – Building & pest inspections30:09 – The $600 report that saved $60,00035:29 – Where Sinead wants to be at 2539:14 – Deal or No Deal39:29 – Revisiting The Block's Daylesford properties43:29 – Lloyd's $50,000 vet bill for Frankie45:19 – Emotional deal vs investment deal🎯 WHO IS THIS EPISODE FOR?If you're a young Australian thinking:"I can't afford property.""I don't have enough for a deposit.""I need to earn more first.""I don't know where to start."This episode will give you a different perspective.Sinead's story shows what can happen when you start early, understand the numbers, and surround yourself with the right people.📚 BOOKS & RESOURCESGet Lloyd's new book Set for Life:https://amzn.to/3VXfJTpGet Positively Geared — Australia's #1 best-selling property investment book:https://amzn.to/3VXfJTpBook a discovery call with Aus Property Professionals:https://www.auspropertyprofessionals.com.auConnect with Lloyd:Instagram: @lloydedge_buyersagentYouTube: @auspropprofessionalsWebsite: https://www.auspropertyprofessionals.com.auEmail: lloyd@auspropertyprofessionals.com.auDisclaimer: General information only. Not personal financial advice. Please seek professional advice tailored to your individual circumstances before making any financial decisions.#PropertyInvesting #AustralianProperty #YoungPropertyInvestor #MortgageBroker #FirstHomeBuyer #LloydEdge #GrantMeFinance #PropertyInvestment #RentVesting #RegionalQueensland #NegativeGearing #SetForLife #WealthBuilding Hosted on Acast. See acast.com/privacy for more information.
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