🔗 Want to see how we can help you? Let's chat: https://calendly.com/naveen_merani/new-meeting

________

In Part 2, Steve and Naveen pick up with Sid & Tina now that the commercial property is bought. Steve runs the next ten years on the asset, whether the couple should go again on a second one, and what their retirement looks like if they stop at one.

Naveen covers the finance side, including why he pushes clients toward an 80% LVR with an offset account rather than a larger deposit, and the limited recourse trap that locks the extra contribution away for good.

________

LET'S CONNECT:

LinkedIn: https://www.linkedin.com/in/naveen-merani/

Facebook: https://www.facebook.com/yourfinancenetworksydney

Instagram: https://www.instagram.com/yourfinancenetwork/

TikTok: https://www.tiktok.com/@yourfinancenetwork

Website: https://yourfinancenetwork.net.au/

________

ABOUT:

👋 Hi, I'm Naveen.

Not long ago, I was working in private and business banking across major banks, helping high-net-worth clients with complex finance needs. On paper, it was a great career - steady, respected, comfortable. But something was missing.

I kept seeing a pattern: smart, hard-working business owners, professionals, and self-employed clients falling through the cracks - simply because they didn't fit the cookie-cutter model the banks relied on. Their income was unpredictable, their structures too complex, their goals more ambitious than the system could handle.

That didn't sit right with me.

So after more than a decade in banking, I made the leap. I left the comfort of the corporate world to build something more personal - something designed to actually serve the people I care most about helping.

Now, as a mortgage broker, I work with people like you:

✅ Professionals buying their first or next investment property

✅ Self-employed business owners who've been told "no" because their finances are "too complex"

✅ People exploring how to use their super to buy property - but unsure where to begin

My approach is strategic, but human. I take the time to understand your story - not just your payslips or tax returns. Because great finance isn't just about numbers. It's about clarity, structure, and having a plan that moves you toward your long-term goals.

If you're looking for a broker who's been on both sides of the lending desk - and who genuinely cares about helping you build wealth with confidence - let's talk.

________

DISCLAIMER:

The views and opinions expressed on this channel are solely those of the individual speakers and do not necessarily reflect the official policy or position of any organisation. The content provided is intended for general informational purposes only and should not be construed as professional advice. Please consult with a qualified professional for specific guidance. By watching this channel, you acknowledge that you understand and accept these terms.

🔗 Want to see how we can help you? Let's chat: https://calendly.com/naveen_merani/new-meeting

________

In this episode, we bring back buyers' agent Steve Palise to run through a case study scenario where Sid & Tina, a high-earning PAYG couple with an existing residential portfolio, are looking to purchase their first commercial property in their SMSF. Naveen walks through the finance side of the equation to find the best loan product available on the market today, and Steve presents 3 different commercial property options to consider. Steve and Naveen play out the scenario until they agree on the best course of action for the couple.

________

LET'S CONNECT:

LinkedIn: https://www.linkedin.com/in/naveen-merani/

Facebook: https://www.facebook.com/yourfinancenetworksydney

Instagram: https://www.instagram.com/yourfinancenetwork/

TikTok: https://www.tiktok.com/@yourfinancenetwork

Website: https://yourfinancenetwork.net.au/

________

ABOUT:

👋 Hi, I'm Naveen.

Not long ago, I was working in private and business banking across major banks, helping high-net-worth clients with complex finance needs. On paper, it was a great career - steady, respected, comfortable. But something was missing.

I kept seeing a pattern: smart, hard-working business owners, professionals, and self-employed clients falling through the cracks - simply because they didn’t fit the cookie-cutter model the banks relied on. Their income was unpredictable, their structures too complex, their goals more ambitious than the system could handle.

That didn’t sit right with me.

So after more than a decade in banking, I made the leap. I left the comfort of the corporate world to build something more personal - something designed to actually serve the people I care most about helping.

Now, as a mortgage broker, I work with people like you:

✅ Professionals buying their first or next investment property

✅ Self-employed business owners who’ve been told “no” because their finances are “too complex”

✅ People exploring how to use their super to buy property - but unsure where to begin

My approach is strategic, but human. I take the time to understand your story - not just your payslips or tax returns. Because great finance isn’t just about numbers. It’s about clarity, structure, and having a plan that moves you toward your long-term goals.

If you’re looking for a broker who’s been on both sides of the lending desk - and who genuinely cares about helping you build wealth with confidence - let’s talk.

________

DISCLAIMER:

The views and opinions expressed on this channel are solely those of the individual speakers and do not necessarily reflect the official policy or position of any organization. The content provided is intended for general informational purposes only and should not be construed as professional advice. Please consult with a qualified professional for specific guidance. By watching this channel, you acknowledge that you understand and accept these terms.

Want me to look at your position the same way I looked at theirs? https://calendly.com/naveen_merani/new-meeting

__

Shane and Sonia were earning $300,000 a year between them, owned their home, held three investment properties and had $200,000 sitting in offset, and the bank still knocked back their next purchase.

The income was there and so was the equity. What capped them was the way their existing loans were structured, with every single one held in their personal names.

In this video, I go through their file line by line, including the four steps we took, the funding table, and how they ended up in a $1.25 million commercial property about four months later.

__

ABOUT:

👋 Hi, I'm Naveen.

Not long ago, I was working in private and business banking across major banks, helping high-net-worth clients with complex finance needs. On paper, it was a great career - steady, respected, comfortable. But something was missing.

I kept seeing a pattern: smart, hard-working business owners, professionals, and self-employed clients falling through the cracks - simply because they didn’t fit the cookie-cutter model the banks relied on. Their income was unpredictable, their structures too complex, their goals more ambitious than the system could handle.

That didn’t sit right with me.

So after more than a decade in banking, I made the leap. I left the comfort of the corporate world to build something more personal - something designed to actually serve the people I care most about helping.

Now, as a mortgage broker, I work with people like you:

✅ Professionals buying their first or next investment property

✅ Self-employed business owners who’ve been told “no” because their finances are “too complex”

✅ People exploring how to use their super to buy property - but unsure where to begin

My approach is strategic, but human. I take the time to understand your story - not just your payslips or tax returns. Because great finance isn’t just about numbers. It’s about clarity, structure, and having a plan that moves you toward your long-term goals.

If you’re looking for a broker who’s been on both sides of the lending desk - and who genuinely cares about helping you build wealth with confidence - let’s talk.

__

LET'S CONNECT:

LinkedIn: https://www.linkedin.com/in/naveen-merani/

Facebook: https://www.facebook.com/yourfinancenetworksydney

Instagram: https://www.instagram.com/yourfinancenetwork/

TikTok: https://www.tiktok.com/@yourfinancenetwork

Website: https://yourfinancenetwork.net.au/

________

DISCLAIMER:

The views and opinions expressed on this channel are solely those of the individual speakers and do not necessarily reflect the official policy or position of any organization. The content provided is intended for general informational purposes only and should not be construed as professional advice. Please consult with a qualified professional for specific guidance. By watching this channel, you acknowledge that you understand and accept these terms.