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