Buying property without the right structure can quietly cost you hundreds of thousands.

Before you buy your first or next investment property in Australia, this is the conversation you must hear.

In this episode of the Australian Property Investment Podcast, we’re joined by Peter Bembrick, one of Australia’s most respected tax and structuring experts, to unpack how smart investors think before they sign a contract. From negative gearing myths to trusts, companies, and SMSFs, Peter explains how structure, tax, and long-term strategy should guide every property decision. This isn’t about loopholes. It’s about clarity, intention, and avoiding painful mistakes later.

In this episode, you’ll learn:

  • How to buy your first investment property in Australia the right way
  • Whether to buy property in your own name, a trust, company, or SMSF
  • Why negative gearing isn’t always a win
  • How property structure impacts tax, cash flow, and borrowing power
  • The biggest mistakes investors make before buying

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We talk about:

00:00Why negative gearing still loses money
03:10Why business owners must invest outside business
06:14Buy & hold vs flip vs develop
09:48The CGT discount most investors misunderstand
12:47When company structures actually work
15:47Buying in the wrong entity costs later
18:14Buying property in your own name
22:12What happens to property when you die?
25:24How income streaming really works
29:02Discretionary vs unit trust
31:03Corporate trustee vs individual trustee
35:23When investment companies beat personal ownershi
39:21Why complex structures backfire
42:01Why super is so tax-effective
45:20High income but not rich yet (HENRYs)
49:08Why income alone doesn’t build wealth
53:44Structuring decisions you’ll regret later

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:
Website | Instagram | Facebook | LinkedIn | YouTube

About Peter Bembrick:

Peter Bembrick is a Tax Consulting Partner at HLB Mann Judd Sydney with over 30 years’ experience in Australian taxation, property structuring, and business advisory. He specialises in capital gains tax (CGT), GST, business restructuring, and tax-effective structures for property investors, family groups, and high-net-worth individuals.

Peter is widely recognised for his expertise in Australian property tax, trusts, companies, and investment structuring, regularly contributing insights to national media and industry publications. His practical, commercial approach helps investors and business owners make informed decisions across the Australian property and tax landscape.

🔗 Connect with Peter Bembrick:
Website | LinkedIn