In this episode of Fat Profits, Corey and Ben take a deep dive into one of the most talked-about investment strategies in Australia – using a Self-Managed Super Fund (SMSF) to invest in property.

Whether you're considering purchasing property through your super or simply want to understand how SMSFs work, this episode breaks down the opportunities, risks, and common misconceptions surrounding this investment strategy.

We cover:

• What a Self-Managed Super Fund (SMSF) is • How property investing through an SMSF works • SMSF Success stories • Common mistakes people make when setting up an SMSF

• Who an SMSF property strategy may (and may not) be suitable for

• The importance of building the right professional team around you

00:00 Intro

00:54 Bold Predictions - 2026 FIFA World Cup

02:49 Headlines - Corey and Ben run for Prime Minister (Housing Reforms)

20:25 Deep Dive - Self Managed Super Fund (SMSF) 25:53 Investor Stories - Successful SMSF Stories 31:50 Sponsor Break

33:54 Punishment

If you've ever wondered whether property investing through your super could form part of your long-term wealth strategy, this episode provides a practical overview of the key concepts and considerations before taking the next step.

Work with Mortgage Brokers who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd.

The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals.

Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In this episode of Fat Profits, Corey and Ben take a deep dive into what aggressive property investing looks like in 2026.

With lending policies changing, borrowing power tightening, and many investors feeling uncertain, we unpack where the opportunities still exist and how smart investors can position themselves for growth.

We cover:

• The biggest changes happening in the lending market

• Why cashflow matters more than ever

• The mistakes investors are making right now

• First-home buyer opportunities and risks

• How to think about debt, growth, and risk in 2026

• The strategies we're seeing work in today's market

00:00 Intro

01:17 Bold Prediction

04:22 Coalition vs Labor

06:30 Headlines

08:05 Current Housing Policy

11:27 One Nation Housing Policy

12:00 Housing Decline

14:24 Property Investor Share of market

21:28 Deep Dive

23:21 Risk Appetite in 2026

27:00 Sacrifices for a property portfolio

33:52 What if?

39:40 Investor Story

If you're serious about building wealth through property, this episode will help you understand where the market is heading and how to stay ahead of the curve.

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

If you're self-employed and the bank keeps saying no — the problem isn't your income. It's how you're presenting it. And chances are, your business structure is either helping you or destroying you, and you don't even know which one it is 😬

This is one of the most common issues Corey and Ben see — self-employed people earning great money but getting knocked back by lenders because their tax is structured wrong, their income is reported wrong, or their business entity is working against them instead of for them 💰

In this episode, Corey Goldby and Ben Perren go deep on the self-employed lending game — what the banks actually look at, why your accountant's "great tax strategy" might be killing your borrowing power, and how to fix your structure so it becomes your superpower, not your anchor 🧠

Here's what we cover:

💼 Why most self-employed people get their income and tax completely wrong for lending 🏦 What banks actually look at when assessing self-employed borrowers

📊 Business structures explained — sole trader vs company vs trust and how each affects your borrowing

💰 How the right structure can unlock lending power you didn't know you had

🧾 Tax planning that keeps the ATO happy AND the banks happy (yes, you can do both)

📈 Property market predictions for the next 10 years — why Corey thinks prices will more than double

🏠 How to use your business income to build a property portfolio the smart way

⚖️ Capital Gains Tax and how it affects self-employed investors differently

🔮 The 10-year outlook — where property, rates, and policy are heading

💡 The conversation you need to have with your accountant BEFORE tax time

Ben drops a truth bomb — "Business structure can be a superpower in lending" — and most self-employed people have never even thought about it that way. Your structure isn't just a tax thing. It's a lending thing, a wealth thing, and a retirement thing. Get it right and everything else gets easier 👊

Whether you're a tradie, a freelancer, running an agency, or building a business from your garage — if you want to buy property, this episode is non-negotiable. The strategies in here could be the difference between getting knocked back and getting approved.

💬 Self-employed crew — what's been your biggest frustration dealing with banks? We know you've got stories. Drop them below 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts! 👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.

Chapters

00:00 Introduction to Self-Employment and Market Predictions

04:32 Understanding Self-Employment and Tax Implications

18:45 Navigating Property Investment as a Self-Employed Individual

This is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This Information is general information only and not personal advice. Please seek credit advice and tax advice or financial advice where appropriate.

Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit License 539456.

Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit License 539456.