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THE PROPERTY NERDS: Unlocking $2m in borrowing power??

03 DEC 2025 By Robyn Tongol 1 min read Investor Strategy

In this episode of The Property Nerds, hosts Arjun Paliwal, Adrian Lee, and Jack Fouracre explore the complex financial roadblocks experienced investors face and how strategic planning can unlock new avenues for growth.

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The hosts start the conversation by reframing tax as a sign of financial progress, not a burden, by spotlighting a standout client case in which a maxed-out investor unlocked additional borrowing capacity by moving a commercial property into a self-managed super fund (SMSF).

The shift freed up debt and transformed a stalled $3 million portfolio into one capable of adding a further $2 million commercial asset.

The hosts also tackle the psychological hurdles many investors face, especially the reluctance to sell assets without understanding their true after-tax position.

Another scenario reveals how transitioning from a large residential base into commercial assets can better support long-term passive income goals.

They further highlight the limitations of relying solely on banks, arguing that brokers and strategic advisers can restructure portfolios through tools like trusts and SMSFs to unlock opportunities that traditional lending channels overlook.

If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X, Instagram and LinkedIn.

If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

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RELATED TERMS

Property
Property refers to either a tangible or intangible item that an individual or business has legal rights or ownership of, such as houses, cars, stocks or bond certificates.
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