The Truth About Renting vs. Buying

Steve Ash sits down with Andrew Hadjidemetri, founder of AFMS Group, to unpack one of the most real and practical property investment journeys you'll hear.

Andrew bought his first unit at 19, built a portfolio of nine properties, and launched his brokerage from the back of his car. Six years later, AFMS Group has helped over 500 families and boasts a 98–99% loan approval rate. From the rent vest vs. owner-occupier debate to the #1 mistake investors make when trying to scale, Andrew shares the exact mindset and finance strategies his most successful clients use to build wealth through property.

If you want to understand how to actually use a mortgage broker to map a five-year credit plan — not just get one loan — this episode is essential viewing.

0:43 — Buying at 19: Migrant Family, Dinner Table Lessons & First Unit

2:27 — CBA to Westpac: What Working in the Banks Taught Him About Property

5:11 — Why He Left Banking to Start AFMS Group From His Car

6:47 — The #1 Trait of His Most Successful Property Investor Clients

8:43 — His 9-Property Portfolio: The Full Journey & Key Deals Revealed

13:29 — Rent Vest vs. Owner Occupier: The Honest Breakdown

17:26 — The Lifestyle Trap: Why More Clients Are Renting in Bondi Instead of Building Wealth

21:18 — AFMS Group's Edge: Speed, 98–99% Approval Rate & 5-Year Credit Mapping

25:33 — The Biggest Mistake Investors Make When Trying to Scale

29:14 — Next Goals: Top 10 Broker, Commercial Property & What's Next

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