The Post-Budget Lending Blueprint: Trusts, Companies, and the 2026 Policy Shifts

The Post-Budget Lending Blueprint: Trusts, Companies, and the 2026 Policy Shifts

In this critical deep-dive episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) is joined by mortgage and finance expert Jack Fouracre (Founder of Fouracre Financial) to deliver a raw, data-backed breakdown of the 2026 Federal Budget changes. We strip away the theories and show you exactly how these shifting policy metrics will impact your borrowing capacity, your structure flexibility, and your immediate window of execution. 💡 The Strategic Matrix We Map Out: → The Deferral Framework: Breaking down how the new deferred negative gearing system transforms an annual tax refund into a long-term capital buffer. → The 30% Borrowing Power Drop: Why waiting three to six months for "budget clarity" could see major banks slice your personal borrowing limits overnight. → Trusts vs. Companies: The operational reality of why family trusts remain the ultimate vehicle for aggressive debt exclusion, despite the new 30% minimum tax floor. → The Rent Postcode Calculator: Why lenders must stop arbitrarily shading rental income by 20% in high-demand zones with zero structural vacancy. → The Multi-Tier Market Split: Why uninformed capital will blindly rush into off-the-plan house and land packages, while sophisticated investors exploit low-sentiment entry points. Chapters: 0:00 - The lending urgency advantage in a low-sentiment market 0:36 - Welcome back to the Property Nerds Podcast: The Post-Budget Deep Dive 1:12 - Why property is a game of finance, not political opinion 2:06 - The CGT recalculation: Analyzing the July 2027 revaluation event 3:41 - The new negative gearing rule: Tracking contract dates and deferred benefits 5:48 - Case Study: Racking up a $50,000 deferred tax buffer across 9 years 8:08 - The Trust Crackdown: Breaking down the 30% minimum distribution floor 9:14 - The 60% Corporate Tax Trap: Why parking profits in a company can trigger double taxation 10:10 - New Build Exemptions: The creation of a two-tiered property landscape 11:14 - Meet Jack Faraker: Why one major lender has already axed negative gearing math 13:30 - Calculating the damage: How policy policy adjustments can slash individual capacity by 30% 14:56 - The Three Levers: 40-year loan terms, buffer adjustments, and rental shading updates 17:46 - Exploiting the window: Why every major policy shock since 2018 was a buying opportunity 19:31 - The Delayed Swing: How affordable micro-markets will extend their growth runs 21:55 - The Clarity Horizon: Why legislation changes trigger the next aggressive market run 23:58 - Debt Exclusion Mechanics: Why trusts still crush company structures for non-business owners 26:42 - Business Owner Strategy: Utilizing trading entity profits to backstop company assets 29:10 - The Decision Matrix: Step-by-step portfolio routes for entry, scaling, and wrap-up phases 33:54 - Action over inertia: Don't leave your current pre-approval lying around 34:51 - Final Warning: Review your positions with your accountant and your broker 🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/ [https://www.investorkit.com.au/discovery-call/] ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au [https://www.investorkit.com.au/] Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa2hpT3hSQlBkemswWjJ2OVF5bzYwZnlYekZ4d3xBQ3Jtc0tuc3l6aXRocGJHU0tLczE5SWxnVGlxWGdKeFB3eWJBNGFWNW8tODNpVkpPUDVEeU9EdWZyaVVfUlNISllkcWVJZzU0amdsN3BvVmpQWEh0UlhQQXFhWHJ3RUs0UkxaNm1YNzJzMlpCaFFuanZud3lXMA&q=https%3A%2F%2Fwww.facebook.com%2FInvestorKit&v=3pKIaQRMJps] Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbDRFVDZ0bTFkZnZnY2xmd1dtbmxfOWE2UDZ2QXxBQ3Jtc0tuZjFqQjZ5d3YyOTY0RjU3OS1EdkhYWlBHWlN2UjNXSF85VlZrbUZQV29ET0NPcmUzb0lJb0M0Qy1pWmV5RVFKM0daMjZrV0hteFh5clEtNnY3VUtZZkRvYVNadXBBX25LMm9yTlFITmpFbi1LNkowTQ&q=https%3A%2F%2Fwww.instagram.com%2Finvestorkit.com.au&v=3pKIaQRMJps] Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit [https://www.youtube.com/channel/UCF0_QHpEsn2rpw5ATf2ItSA] Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGpVd0hNcGRUdjF6SHkzODJEOTFCemw4WjVKZ3xBQ3Jtc0tsbllyY2g5WDBSNjJ3UTVPVjNqSlBIYkhfeGFSeWJoRWdQUW1wQjN4aklRT3RFUWdBWkNLVlhPSEdmZi1CNFpLbWg2eWVaMktXZWl4azVpSVhyYVhXRVU2aEQwUVRHNW1TVTJaVUFrNVFLR3lYSHpiNA&q=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Finvestorkit&v=3pKIaQRMJps] Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Why Rent Vesting Beats Buying Your First Home in Sydney

In this episode of the Property Nerds Podcast, Arjun Paliwal sits down with client-turned-team-member James Deem to break down the exact strategy he and his partner Danny used to generate over $500,000 in equity in just three years—using a starting capital of just $120k. We go behind the spreadsheets to show how "rent vesting" and a borderless, data-driven approach allowed a UK expat to achieve geographic freedom without staying stuck on the sidelines of the Australian property market. 💡 What’s covered: → The Rent Vesting Superpower: How renting where you want to live gives you your time back while your money accelerates elsewhere. → The Ignorance Advantage: Why not knowing local property stigmas helps you look strictly at cold, hard infrastructure data. → Shifting the Growth Paradigm: The massive difference between "good growth" in your backyard and "great growth" driven by interstate data cycles. → Overcoming the Commitment Bottleneck: Moving past the fear of the "first step off the ledge" and why accountability beats statistical over-analysis. → The 4x Return Blueprint: Re-investing the equity of property number one (Townsville) to cleanly pre-approve property number two (Wodonga) without touching personal savings. → Portfolio Diversification Tactics: Why a borderless system protects you against localized land tax spikes and mismatched state growth cycles. → From Client to Colleague: Why executing a successful strategy naturally shifts your career goals toward building generational wealth. "Real financial movement doesn't happen by rate-pinching or waiting until you can afford a million-dollar Sydney home. It happens when you put a professional team around you" Chapters: 0:00 [https://www.youtube.com/watch?v=N-xwVohNYMc] - Intro: Turning a $120k deposit into $500k equity 1:15 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=75s] - Meet Jimmy: Arriving from the UK to residency in 2026 4:20 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=260s] - Priced out of Sydney? The pivot to rent vesting 6:30 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=390s] - The expat superpower: Letting data remove local biases 9:15 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=555s] - Market Spotlight: Why Adelaide and Townsville outpaced expectations 11:30 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=690s] - Dealing with rate rises and building buffer management 14:00 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=840s] - Proximity is Power: The hidden lifestyle benefits of renting 15:55 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=955s]- Scaling from Property 1 to Property 2 without using cash 18:10 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=1090s] - The operational reality of hiring a professional Buyers Agent 21:00 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=1260s] - Mitigating land tax risks through geographical diversity 23:30 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=1410s] - Shifting expectations from "Good" to "Great" asset growth 27:25 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=1645s] - The ultimate validation: Joining the InvestorKit squad 31:40 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=1900s] - Common investor execution mistakes: Backyard nesting vs. Data 42:30 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=2550s] - Maximizing commute value and career leverage 48:10 [https://www.youtube.com/watch?v=N-xwVohNYMc&t=2890s] - Future Outlook: Moving onto property number three and passive income 🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/ [https://www.investorkit.com.au/discovery-call/] ✅ HOW WE CAN HELP YOU: By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUlLNklDZ1JaUnMzc2Z6bHg3NEZnRmI0Mm1YZ3xBQ3Jtc0ttRGJ1WnowYWVoRFpPZEFqNjMtcGxjbWYzYVlHRkNYVFFXVjQ0M0V1UWx3cXByeWtvZUtxZGp1YnNqaVZMQ2lfRnhoTFlCR2FQTnpIVmdEQklaandBQlhNdG8wRXpJY01iY2VIX2dZN1I0bnBRbFlMZw&q=https%3A%2F%2Fwww.investorkit.com.au%2F&v=N-xwVohNYMc] ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUlLNklDZ1JaUnMzc2Z6bHg3NEZnRmI0Mm1YZ3xBQ3Jtc0ttRGJ1WnowYWVoRFpPZEFqNjMtcGxjbWYzYVlHRkNYVFFXVjQ0M0V1UWx3cXByeWtvZUtxZGp1YnNqaVZMQ2lfRnhoTFlCR2FQTnpIVmdEQklaandBQlhNdG8wRXpJY01iY2VIX2dZN1I0bnBRbFlMZw&q=https%3A%2F%2Fwww.investorkit.com.au%2F&v=N-xwVohNYMc] Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbXlReGF5NVNITTVKdEhLX25keVYyb0pQNEsyQXxBQ3Jtc0tsQnNSRGNyZng5X3FsbnJvSWVqcXB5X3h3dkctZlNGNWNmZm9XY1pPYU84VWtpZW9VSG5iblBCbHJTSEtfQXYwRnNxYnlJN2o0ZlFRalBEcTdXd1phX1dIWGo2WmJCVDdtLTJRY2pnLW1PRkNqRmgwSQ&q=https%3A%2F%2Fwww.facebook.com%2FInvestorKit&v=N-xwVohNYMc] Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbkdma3FFNlVxMHF5cjM5WVE2MGtQTWpSU2dPd3xBQ3Jtc0ttS2FpQ3ZOalI0d3hlTFVHeUZ5M1lZc1E5TUhCZUJ2bUNLSm51MVBDLWV3VUduODhUMks3b2xSUFJYUmc1SFhjUTlLdTBZazhTX1NkbHJJcHExRHlWX0Z6LTNzSkI2SVFFU0VOUWxZRUpicGN5YXdwZw&q=https%3A%2F%2Fwww.instagram.com%2Finvestorkit.com.au&v=N-xwVohNYMc] Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit [https://www.youtube.com/channel/UCF0_QHpEsn2rpw5ATf2ItSA] Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa19ZcDNnMkh2MjQ3enFDNFlPNDRDWWlDdm0tUXxBQ3Jtc0tublFUbVc0bmhTa2F4VUc3ZUZXZXo1VjdPNC1lLUR1WjlUUzJpWHpnQ1kxVHJLVjVuQjdQeWVFSEhNUk9vbDBnQzI3QklWQU5PVkRSSEM4M3NZUlZSS1RteDlxREVjMmdvdEtZdjJjd3h2cFJISy1aZw&q=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Finvestorkit&v=N-xwVohNYMc] Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Fixed vs. Variable Rates: The Hidden Cost of "Certainty"

Most investors approach interest rates with a "rate-pinching" mindset. They chase the lowest number on a brochure or fix their rates out of fear, only to find themselves boxed in when they actually need to scale. Both approaches cost you your most valuable asset: flexibility.In this episode of the Property Nerds Podcast, Arjun Paliwal and Jack Fouracre from 4acre Financial break down why a cycle of rate increases is actually the worst time to fix your rates. We move past the headlines to explain why property investing is a game of finance strategy—not just interest rate execution.💡 What’s covered:→ The Fixed Rate Gamble: Why banks often anticipate the market better than you, and the hidden "break fees" that trap investors.→ The "Rate Lock" Reality: Why your fixed rate is actually variable until the day you settle (unless you pay the fee).→ Flexibility vs. Fixed: Why the ability to pull equity and move between lenders is worth more than a 0.3% rate discount.→ The Inflation Myth: Why the RBA doesn't just "jump to 7%" and what their slow 0.25% moves actually tell us about the economy.→ The Offset Trap: Why most fixed rates won't let you use an offset account, and what that's costing you in un-optimized cash flow.→ Intentional Scaling: How a $600k equity pull creates more certainty than any fixed rate ever could.→ Strategy over Execution: Why rate-pinching has never built a $100M portfolio."I’ve never seen someone rate-pinch their way to wealth creation. Wealth is built through movement and finance strategy, not through trying to outsmart a 0.25% hike."Ready to get your finance strategy unstuck?Book a free 15-minute strategy chat with the Fouracre team: https://fouracrefinancial.com.au/https://fouracrefinancial.com.au/ [https://fouracrefinancial.com.au/]Chapters:0:00 [https://www.youtube.com/watch?v=G80wr64rKEE] - Intro: The worst time to fix your rates2:45 [https://www.youtube.com/watch?v=G80wr64rKEE&t=165s] - Thailand Trip: Muay Thai, Scooters & Team Vibes3:50 [https://www.youtube.com/watch?v=G80wr64rKEE&t=230s]- Fixed vs. Variable: The basic differences explained5:10 [https://www.youtube.com/watch?v=G80wr64rKEE&t=310s] - The 4.5-year loan lifespan (Why banks love the 2-year fix)7:20 [https://www.youtube.com/watch?v=G80wr64rKEE&t=440s] - What is a Rate Lock? (And the fees you don't see)9:45 [https://www.youtube.com/watch?v=G80wr64rKEE&t=585s] - Why Arjun fixed for 4 years in 2018 (And the lesson learned)11:30 [https://www.youtube.com/watch?v=G80wr64rKEE&t=690s] - The RBA’s real goal: Why they don't just "crash" the market12:50 [https://www.youtube.com/watch?v=G80wr64rKEE&t=770s] - Equity is the ultimate certainty: The $600k buffer story15:40 [https://www.youtube.com/watch?v=G80wr64rKEE&t=940s] - Why fixed rates kill your scaling potential17:45 [https://www.youtube.com/watch?v=G80wr64rKEE&t=1065s] - The Offset Conflict: Why fixed rates and offsets don't mix20:00 [https://www.youtube.com/watch?v=G80wr64rKEE&t=1200s] - The Math: Why your interest bill isn't the whole story🎙️ Guest: Jack Fouracre — Fouracre Financial👉 fouracre financial.com.au [https://fouracrefinancial.com.au/]🥇🥇 InvestorKit - Back To Back "REB Buyers Agency Of The Year 2023, 2024, 2026" Book your discovery call here: https://www.investorkit.com.au/discovery-call/ [https://www.investorkit.com.au/discovery-call/]✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au [https://www.investorkit.com.au]✅ CONNECT WITH INVESTORKIT:Website: 👉 https://www.investorkit.com.au [https://www.investorkit.com.au/discovery-call]Send your questions to: 👉 arjun@investorkit.com.auFollow us on Facebook: 👉 https://www.facebook.com/InvestorKit [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbEhRSTRERm9JMVpValRka2dkSmVhMkZzbFRKUXxBQ3Jtc0ttTjVieFFkaC1uX2ttTVpVRHNnT3ZYTGliMzVFTWZOQTJLQkpQYXd4UzVoRS1kVS14NkhhbEV3VWxjV2pQTkpSalg3aWJmYWU5ZERPMk45bmt3STh6cjlBcjB3OWZMbzV1OGRuUTVjOXN0LTNROHBMZw&q=https%3A%2F%2Fwww.facebook.com%2FInvestorKit&v=G80wr64rKEE]Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbHFya0xGM2FhSjhKcUdPR01ySzRaZl9PRDUzUXxBQ3Jtc0ttUWpCWTh3LWZ1MWFsa0FzaWtsTUJFQkx2dEpWQmFCM3RqOHFiS1hhTGFCTzZZMk9oeXdndU5veHpsVjhEUlItU2hSSHdkRnRmMzF6OEZxa0Rkd3d1T1BxcE9WMTVOWlBXWUVMTXBpWDJiNHhFZF92OA&q=https%3A%2F%2Fwww.instagram.com%2Finvestorkit.com.au&v=G80wr64rKEE]Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit [https://www.youtube.com/channel/UCF0_QHpEsn2rpw5ATf2ItSA]Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbmlGTE0tYkFTd3hjZ3lyOHJyY3RFWWlyS2FNd3xBQ3Jtc0ttRjZZcGpIZTBXakd0NzJocmNVVXZyM3JyZ3hFakUtQW1Hc0VMWm1pQTNqMXNaM3psTHkzcjVydFEzdjRqcnRHQXE1U3ZEZHYtZzdDQzhWQ1hZQkdJcGdCWFYzWWpNM01zVnBvWlRfcUpNOXdERm91WQ&q=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Finvestorkit&v=G80wr64rKEE]Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

A $3K Pay Rise Cancels Out a Rate Hike: The Interest Rate Math Nobody Shows You

Most investors hear "interest rate rise" and freeze. But what if the actual math tells a completely different story? In this episode of Property Nerds, Arjun Paliwal sits down with Jack Fouracre from Fouracre Financial to break down the real numbers behind rate movements, lender tiers, and the yield calculation trap that's quietly shrinking thousands of investors' options without them even realising. 💡 What's covered: → A 0.25% rate rise = ~$20K reduction in borrowing capacity and $200/month per million — less than most people think → Why a $3–4K salary rise or $50/week rent increase cancels out an entire rate hike → How sentiment is doing more damage than the actual rate movement → The 3-tier lender strategy: when to use each and why the order matters → Why major banks put you on P&I loans on purpose (and what it costs you) → The 5% yield trap: how one broker's estimate can cut your investable markets from 12 cities down to 1 or 2 → How dropping your yield assumption from 5% to 4% can open up hundreds of thousands in purchase price → Why reviewing your finance every 12 months is the single best portfolio habit → What open banking + technology will mean for property investors in the future "It's a sentiment thing more than the actual effect. When people hear it only reduced their borrowing power by $20K and added $200 a month — that's a game changer." Chapters: 0:00 Intro — the rate rise math nobody talks about 1:30 How 0.25% actually affects borrowing capacity & sentiment 2:28 Why bad headlines create buying opportunities for smart investors 4:08 Assessment rates explained & why Australian lending stays strong 6:51 The $64/week offset: how salary & rent growth beat rate rises 7:39 The tier lender strategy: why it matters for your portfolio 9:03 Tier 1 & 2 lenders: when and why to use each 12:03 Tier 3 & 4 non-banks: niche policies & big capacity unlocks 16:09 The 5% yield trap shrinking your investment universe 22:02 12-month reviews, open banking & the future of property finance 🎙️ Guest: Jack Fouracre — Fouracre Financial👉 fouracre financial.com.au 🥇🥇 InvestorKit - Back To Back "Buyers Agency Of The Year 2023 & 2024" Book your discovery call here: https://www.investorkit.com.au/youtube ✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.#PropertyNerds #InterestRates #BorrowingCapacity #PropertyInvesting #InvestorKit #JackFouracre #MortgageBroker #AustralianProperty

The Business Owner's Guide to Property Investing in Australia

If you're self-employed and someone's told you to wait two years before investing in property — this episode is for you. Arjun Paliwal and Jack Fouracre from Fouracre Financial bust the biggest myths around self-employed lending and break down exactly how business owners at every stage — from 6 months ABN to $20M+ turnover — can build serious property portfolios with the right structure. 💡 What's covered: → The "2-year myth": why 6 months ABN is often enough to get finance → BAS statements, self-declaration letters & bank statements as income verification → SMSF options for business owners — even without a long super contribution history → How to catch up years of super contributions in a lump sum → Why successful business owners can't just "pull money out" without a tax nightmare → The bucket company strategy: moving profits from 25% to 30% tax instead of 47% → A real example: $6M commercial property and how wrong structuring costs $1M in tax → What Arjun overheard at an F1 event with $500M+ in turnover in the room → Div 7A, director's loans & the tax bills that show up 6-7 years later "At a certain point, you can't hide the profits. And most business owners are allergic to paying tax." Chapters: 0:00 The "wait 2 years" myth — busted 1:38 New lending options: 6-month ABN, BAS & self-declaration 5:26 Super catch-up contributions & SMSF strategies 8:20 Why high-turnover business owners can't just "pull money out" 13:24 Bucket companies, trusts & the right tax structure 18:09 Key rules + how to get the right team around you 📞 Book a free discovery call with InvestorKit: 👉 investorkit.com.au 💰 Lending support for self-employed investors: 👉 fouracrefinancial.com.au ✅ HOW WE CAN HELP YOU:By being the most trusted, data-driven Buyers Agency for aspiring investors who wish to create real financial change by helping them invest with confidence, outperform the market, and build a high-performing property portfolio. 👉 https://www.investorkit.com.au ✅ CONNECT WITH INVESTORKIT: Website: 👉 https://www.investorkit.com.au Send your questions to: 👉 arjun@investorkit.com.au Follow us on Facebook: 👉 https://www.facebook.com/InvestorKit Follow us on Instagram: 👉 https://www.instagram.com/investorkit.com.au Subscribe to our YouTube Channel: 👉 https://www.youtube.com/@investorkit Connect with us on LinkedIn: 👉 https://www.linkedin.com/company/investorkit