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Interest rates, mortgages, and refinancing are the backbone of smart investing and successful property management.

Understanding these financial components can significantly impact your approach to property management and investment and can distinguish you as a property manager in a competitive market –  and in this episode we go over exactly that!

I chat with Aaron Christie – David  founder of Atlia Wealth and a respected mortgage broker and educator. Aaron is highly qualified and has a wealth of knowledge and experience in the Finance Industry. He shares with us how understanding finance and investing can elevate property management and emphasises the importance of knowledge in interest rates and refinancing for building trust and strong relationships with clients.  We dive into strategies to help property managers elevate their role, assist investors with refinancing, and maximise portfolio growth.

We explore:

• Why property managers are often the missing link in an investor’s success strategy
• How asking the right questions, like “What’s your investment strategy?” can position you as a trusted advisor
• Why refinancing isn’t just about interest rate and how it’s about unlocking equity and opening doors to new investment opportunities
• How property managers can proactively support refinancing by reviewing rents and providing rental appraisal letters
• How interest rates directly impact borrowing capacity and how property managers can add value by ensuring rents reflect current market conditions
• What you need to know about rental shading and its effect on investors’ financial positions
• Tips for finding the right mortgage broker and developing a strong referral relationship
• Why it’s essential to collaborate with brokers who understand the investor mindset and growth strategies

“  As you look across the country, there’s some absolute weapons of brokers, probably in your neck of the woods. And so you’d be able to find them out, speak to the real estate agents. They’ll know who the best is  in the local area”

– Aaron Christie-David

0:01:57 Introduction to Bernie and her Expertise

0:05:08 Personal Journey into the Financial Services Industry

0:08:07 Lending Requirements Insights

0:11:28 Current Trends in Lending Space

0:13:34 Benefits of Using a Broker

0:17:54 Why can you get a loan easier being PAYG than a sole trader?

0:19:17 Value Addition by Experienced Brokers

0:21:49 Optimizing Loan Rates Through Trust Structures

0:23:13 Understanding Changes in SMSF Lending

0:28:05 Exploring the Basics of Self-Manage Superfund (SMSF)

0:33:28 Would SMSF be suitable for someone not looking at Property…..

0:35:37 Disadvantages of SMSF

0:41:30 Will the repairs amt paid by the SMSF account or individual have to bear out of pocket?

0:44:40 Property Purchase Considerations within SMSF

0:46:22 SMSF Structure and Asset Management

0:49:35 Does buying an SMSF property impact my personal borrowing capacity, or are they treated separately?

0:50:44 Asset Types for SMSF Investment

0:53:04 Considerations for House and Land Packages in SMSFs

0:55:07 What do interest rates look like in SMSF Lending?

0:57:14 Importance of Accountants in SMSF Setup

1:01:55 Limitations & Tax Implications in SMSF Properties

1:03:55 Long-Term Investment Benefits in SMSFs

1:07:40 Capital Gains Tax Benefits in Retirement

1:09:15 Comparative Analysis: SMSF vs. Traditional Super Fund

1:11:07 Setting Up an SMSF: Process Overview

1:12:48 Importance of Bare Trust

1:16:34 Administrative Requirements and Commitments in SMSFs

1:20:21 Key Difference Between SMSF and Trust from a Lending Perspective

1:26:32 Loan Accessibility Without Job Income

1:28:35 Can I ask if a combined super is set up and there is a significant age gap between the parties say ten years how does this look at the retirement age? Re distribution and tax outcomes?

1:30:52 What’s the difference between a trust and a company trust? What are the pros and cons of both

1:35:49 What’s your best story and worst story with SMSF?

1:38:30 Introduction of Mortgage Brokerage Business

Join host Ross Le Quesne as he welcomes Aaron Christie-David, co-founder and broker of Atelier Wealth, on a dynamic episode of the Billion Dollar Broker Podcast. Dive into a deep exploration of mindset and marketing mastery and learn from Aaron’s multifaceted expertise:

* Becoming an Author: Discover how Aaron Christie-David was inspired to write “The Happy Home Loan Handbook” to change the homeownership mindset among young Australians.

* Team Support: Gain insights into managing a large team while undertaking significant projects like writing a book, emphasizing a supportive and cooperative team culture.

* Prioritization: Learn how Aaron balances personal health, family, and business, and how he uses time blocking to align daily activities with overarching goals.

* Mindset and Confidence: Understand the importance of projecting confidence and competence, helping clients and team members recognize their potential.

* Marketing Strategy: Explore Aaron’s approach to marketing, using his background to attract the right clients through consistent and targeted communication.

* Lead Targets and Metrics: Hear about the significance of tracking key business metrics to ensure targets are met and efforts are prioritized effectively.

* Scalability and Leadership: Delve into the challenges of scaling a business, including transitioning operations and optimizing leadership roles for growth.

You might believe that the Australian dream of home ownership is dead, let alone property investing. But Aaron Christie-David returns to the show to infuse you with hope.

The mainstream media has been waging a war against Australian property for years, filling the pages and airwaves with stories of doom and gloom … which continue to be proven untrue, time and time again!

54% of our personal wealth is tied to value of our homes in Australia, and our homes make up a big portion of our personal expression, family memories and pride.

If home ownership is still something that’s important to you, your children, your family and your loved ones, and if property investing is a part of your wealth strategy or plans, then you’ll love some fresh motivation from Aaron Christie-David on the podcast today.

We heard his story in the previous episode, now we’re going to unpack the insights from his recently released book ‘The Happy Home Loan Handbook’ to help you navigate the world of property finance, buy your dream home and keep enjoying your life!

Are you making the most of opportunity in the lucky country? Aaron Christie-David talks about maximising life in Australia with property as a vehicle to make it happen.

Unlike many Australians, Aaron has recognised how good we’ve got it here in Australia and has made the most of it since moving here when he was young, demonstrating that constant hard work and resilience can transform possibility into reality.

Aaron has continuously done what it takes and taken the action to make it happen instead of letting it happen, driven by his underlying attitude of gratitude.

As a fellow mortgage broker, Aaron has come from humble beginnings to build his award winning Atelier Wealth business together with his wife and family, and he’s just released his new book The Happy Home Loan Handbook.

This episode Aaron shares his inspiring journey, and in part 2 we’ll unpack all the key insights from his new book.

Connect with Aaron

Home

Book giveaway

As a special for Get Invested listeners, Aaron is giving away a copy of his book which you can get at https://happyhomeloanbook.scoreapp.com/ for the best email response to hello@knowhowproperty.com.au to this question: ‘What’s the best thing you’ve learnt from our discussion on The Happy Home Loan Handbook?’

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Three easy ways to Get Invested right now:

Subscribe to this podcast now, if you haven’t already, and get the inspiration delivered to your podcast feed each week
Get a copy of my book, Get Invested, for FREE, and find out what it takes for you to invest in living more, working less. Go to: https://knowhowproperty.com.au/get-in…
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About Get Invested, a Property Hub show

Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential.

Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them.

Get Invested is part of the Property Hub podcast channel, your home for property investment insights, inspiration and stories from Australia’s top property experts, investors, leaders and analysts. Subscribe now on Apple Podcasts, Spotify and Google Podcasts to get every Get Invested episode each week for free, and also get full access to RealtyTalk, Australia’s top online property show for red hot property investing news and insights direct from property industry leaders and influencers.

Property Hub is a collaboration between Bushy Martin from KnowHow Property, Kevin Turner from Realty, show producer Andrew Montesi from Apiro Marketing and Apiro Media, and Australia’s largest independent podcast network DM Media.

For business enquiries, email andrew@apiromarketing.com.

Feeling scared about taking on a long-term mortgage commitment for your first home? You’re not alone! It’s quite a common worry but if you let fear hold you back, it can stop you from making your dream of owning a home a reality.

Without facing these worries head-on, you could end up stuck, not knowing how to move forward and buy the house you’ve been dreaming of.

Today, we have Aaron Christie-David — managing director & mortgage broker at Atelier Wealth, together with Damien Walker — who is director & mortgage broker at the same company. They’re here to share some tips on how to tackle those scary feelings about long-term debt.

Join us as we break down the common fears first home buyers face and discover some simple but impactful strategies to beat them. Don’t let fear stop you from getting your own place—tune in and take the first step toward owning your dream home.

Episode Highlights:

00:00 – Introduction
02:26 – Meighan’s special house of the week
03:36 – Who are our guests for today?
04:02 – What fears do borrowers, particularly first home buyers commonly have?
06:01 – What is the fear setting process all about?
10:32 – The cost of inaction for fear of taking on a long-term debt commitment
15:48 – Why is fear setting critical in property ventures?
20:17 – Strategies that encourage clients to confront and overcome their home buying fears
22:48 – What kind of fear do first home buyers need to have?
28:51 – Why having the right support crew is the first important step in home buying
32:04 – How different generations can overcome challenges in property ownership
35:09 – Finding the right buyer’s agent to support you in your first home buying journey
37:27 – Benefits of integrating emotional awareness into the home buying experience
39:46 – One thing that Aaron and Damien wished they knew as a first home buyer

About Our Guests:

➩ Aaron Christie-David is the Managing Director of Atelier Wealth, which he co-founded with his wife Bernadette several years ago. Aaron is highly qualified and has a wealth of knowledge and experience in the Finance Industry.

➩ Damien Walker is the Director of Atelier Wealth, and has spent the last 6 years as part of the Atelier Wealth family, bringing both financial qualifications and experience to the team

Resources:

➩ FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/f
➩ Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers
➩ Visit our website https://www.homebuyeracademy.com.au/
➩ Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG
➩ If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au
➩ Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au
➩ Work with Veronica: https://www.veronicamorgan.com.au
➩ Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/
➩ Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

➩ Subscribe on YouTube:

/ @yourfirsthomebuyerguidepodcast
➩ Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast
➩ Subscribe on Spotify: https://open.spotify.com/show/7GyrfXo

In this insightful episode, Mike sits down with Aaron Christie-David, Managing Director of Atelier Wealth, to dive into the intricacies of finding “The Happy Home Loan”. From first-time investors to portfolio expansion, they unpack the key factors in securing the best home loan for your needs.

Amidst rising interest rates, Aaron challenges the notion of solely focusing on the lowest rate, offering a broader perspective on financial decisions. Discover practical insights on serviceability requirements, navigating finance markets, and evaluating lender risks.

Aaron shares valuable tips on optimizing borrowing capacity and the psychology of money, illustrating with personal anecdotes. Whether you’re a seasoned investor or just starting out, this episode is filled with actionable advice to propel your property journey forward!

Follow Geared for Growth on social media for more episodes and updates:

Facebook:   / gearedforgrowth  

Instagram:   / gearedforgrowth  

LinkedIn:   / geared-for-growth  

TikTok: https://www.tiktok.com/gearedforgrowth

Website: https://gearedforgrowth.com.au/

In this week’s episode, Ben makes a guest appearance on The Australian Property Investment Podcast, hosted by Aaron-Christie David.

From dissecting why money isn’t as simple as “in and out” bank transactions to exploring why home ownership is still possible for new investors and generational renters, this week’s episode is all about the power of an Abundance Mindset.

Here’s a sneak peek of what else we cover…

🇦🇺 Is the Great Australian Dream dead?

🏠 The #2 biggest mistakes Ben made in property

💡 How Ben and Michael designed a revolutionary money management system

🕰 Building money habits for long-term success

📈 How an investor’s wealth-building speed affects their psychology

📚 Understanding PIPA’s Role in Property Investing

🚩 The Red Flags a property spruiker will show

Connect with The Property Couch here:

Website
thepropertycouch.com.au

iTunes
itunes.apple.com/au/podcast/the-property-couch/id969904333

Facebook
facebook.com/ThePropertyCouch

Twitter
twitter.com/PropertyCouch

Instagram
instagram.com/thepropertycouch

Did you know you can invest in Australian property through your SMSF (Self-Managed Super Fund)?

💰 Even if you have ‘maxed-out’ your own borrowing capacity, you may still be able to get more real estate assets through your ‘Super’.

In this episode the lovely and down-to-earth Bernadette Christie-David from Atelier Wealth joins me to discuss:
👉 What is a SMSF and why should you set it up?
👉 How much do you need in your SMSF to buy a property?
👉 How much does it cost to set up a SMSF and step-by-step process to do it?
👉 How to supercharge your borrowing capacity and minimise your tax?
👉 Who should NOT buy property in a SMSF?
👉 Key actions required in buying a property through a SMSF?

🏠 This episode might just get you another couple investment properties and tens of thousands of extra passive income in retirement!

Connect with PK Gupta:

📥 MESSAGE ME!
💡 Instagram 👉 https://bit.ly/3SpC4ET
💡 Facebook 👉 https://bit.ly/3dEvHyO
💡 LinkedIn 👉 https://bit.ly/3ByOweG
💡 TikTok 👉 https://bit.ly/3RchwhX
💡 X 👉 https://bit.ly/3IJwgE5

In this episode, we share the stage with Aaron Christie-David, Founder of Atelier Wealth. In 7 years, he skyrocketed his mortgage brokerage business into success, led a strong team and made the top 100 broker list.

Discover the secrets to creating a vibrant culture of accountability and ownership within a team, and how it can supercharge your business.

Whether you’re a business enthusiast or just looking for some inspiration, this podcast episode is a must-listen, packed with valuable insights, a touch of humour and a whole lot of motivation to help you elevate your game and connect like a pro!

Listen and connect with Linsey Houston:

https://storytellersaustralia.au/always-be-connecting/

Want to maximize your borrowing power and make smart financing decisions for commercial property investments?

In this episode of the Revolve Commercial Property Podcast, host Mish Daniel discusses the key factors in deciding whether to buy a new property or refinance an existing one with mortgage broker Bernadette Christie-David.

They cover how mortgage brokers can help investors make informed decisions and share real world examples of successful buy and refinance decisions.

This episode is tailored for you if:

💡 You are considering buying a commercial property or refinancing an existing one.

💡 You want to understand lending criteria and strategies for commercial real estate.

💡 You want tips on working effectively with mortgage brokers and lenders.

I caught up with Aaron Christie-David, a Sydney-based Mortgage Broker and Managing Director of Atelier Wealth to examine the current property market, and take a read on what it takes to get into property in the current low listings, high interest rate environment.

https://atelierwealth.com.au/our-peop…

http://www.martinnorth.com/

Go to the Walk The World Universe at https://walktheworld.com.au/

Find more at https://digitalfinanceanalytics.com/b… where you can subscribe to our research alert

Aaron Christie-David is a mortgage broker and the managing director of Atelier Wealth. Born in Saudi Arabia, he and his family moved to Australia when he was two years old. While growing up, he had excellent opportunities including attending a selective school that complemented his strengths. Now, he spends his days trying to provide the best experience and service for his clients.

In this episode, Christie-David will delve into his busy career, including how it began in liquor marketing to now co-owning a successful business. As well as this, he will share the risk of over capitalising and why having home security is so important when investing. Hosted on Acast. See acast.com/privacy for more information.

On this episode, Aaron Christie-David shares how he, along with his wife and brother in law run a family business that wants to make a difference.

At Atelier Wealth they not only help those who want to get into the property market or get an investment property without all the usual stress that dealing with a bank entails.

Aaron joins host Grace Ormsby in this episode of The Smart Property Investment Show to talk about the trends he’s witnessing in the current lending environment, the level of stress among his investor clients, and the likelihood of a “September cliff” in light of extensions to stimulus packages.

The future isn’t waiting for us, it’s created by us and that includes our financial future too. On this episode of The Date Forever Podcast, Aaron and Bernadette Christie-David got a chance to talk with Sammi and Nathan Jaeger about creating a vision for your financial future.

Ben and Aaron talked about Aaron’s take on the property market at the moment, some of the negotiating strategies that he uses as well as he explains why sometimes you should beat it on properties without having a pre-approval in place and how that can actually help you secure your dream home more easily.