Show Notes
Buying property without the right structure can quietly cost you hundreds of thousands. Before you buy your first or next investment property in Australia, this is the conversation you must hear. In this episode of the Australian Property Investment Podcast, we’re joined by Peter Bembrick, one of Australia’s most respected tax and structuring experts, to unpack how smart investors think before they sign a contract. From negative gearing myths to trusts, companies, and SMSFs, Peter explains how structure, tax, and long-term strategy should guide every property decision. This isn’t about loopholes. It’s about clarity, intention, and avoiding painful mistakes later. In this episode, you’ll learn: How to buy your first investment property in Australia the right way Whether to buy property in your own name, a trust, company, or SMSF Why negative gearing isn’t always a win How property structure impacts tax, cash flow, and borrowing power The biggest mistakes investors make before buying 👉 Subscribe for weekly property insights and comment on your biggest question about property structure.
Key Moments: 00:00 Why negative gearing still loses money 06:14 Buy & hold vs flip vs develop 12:47 When company structures actually work 15:47 Buying in the wrong entity costs later 18:14 Buying property in your own name 22:12 What happens to property when you die? 25:24 How income streaming really works 31:03 Corporate trustee vs individual trustee 35:23 When investment companies beat personal ownership 42:01 Why super is so tax-effective 45:20 High income but not rich yet (HENRYs) 53:44 Structuring decisions you’ll regret later
👉 Whether you're a first home buyer or expanding your portfolio, Atelier Wealth can help. Book a discovery session with a mortgage broker here: https://calendly.com/atelier-wealth-discovery-team 👉 For everything you need to know about getting a loan approved and buying a property, read the Happy Home Loan Handbook by Aaron Christie-David. Get a FREE chapter here: https://atelierwealth.com.au/the-happy-home-loan-handbook/
Connect with Peter Bembrick: http://www.hlb.com.au/ About Aaron:
Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.
With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.
Connect with Aaron: Visit the website: https://atelierwealth.com.au/
Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/
Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavid
Follow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/
Subscribe to Atelier Wealth’s YouTube Channel: https://www.youtube.com/@atelierwealth_au
More from Built Different Podcast
30 years old, four investment properties, and her own home in Bright, Victoria. Lauren Chapple shares how a decade of rentvesting built her Australian property portfolio - and why she never thought she'd be in this position.
Everyone’s waiting for Australian property to recover. Sam Gordon thinks that’s the mistake.
Eilish Sheerin was drafted into the AFLW at 29. Off the field, she's been building an Australian property portfolio: a first home in inner Sydney, then a Richmond duplex she bought unrenovated, on purpose.
How Follio built a data-first Australian property business. Lachlan Delahunty and Reece Beddall on why they give their strategy away for free, and why the equity number you're told is often wrong.
Habit scientist Dr Gina Cleo reveals the top habits of professional property investors. Dr Gina Cleo started out as a dietitian and couldn't get anyone, including herself, to change long-term. So she went and did a PhD in habits. She's back with MPA Top 100 mortgage broker, Aaron Christie-David. This episode is about the real estate between your eyes. Gina explains why your phone wins every morning (and which room it should charge in), the two circuit breakers for a cortisol-spiked morning, why your day starts the night before, and the sleep protocol her friends laugh at. Then it gets specific for investors: why you can't steal someone else's portfolio blueprint, how to count the cost before you chase eight properties, the one sentence that changed how Gina thinks about setbacks, self-efficacy as the number one predictor of change, and why "I'm trying to be a property investor" has to become "I am a property investor". Plus anxiety avoiders vs thrill seekers, what self-sabotage is actually protecting, Thomas Edison's 1,000 attempts, and Aaron's 9:30pm bedtime.Whether you're saving your first deposit, stalled at property number three, or trying to get back on the horse after a setback, this one's for you."People want to go into property development. Get into personal development first. That's your best return on investment." - Aaron