This conversation is all about the first property decision, and how choosing between owner-occupier and investment can either create flexibility or limit your options moving forward.

We unpack why so many people feel stuck at this stage, from analysis paralysis and social pressure through to the tension between lifestyle and long-term outcomes.

We also discuss several key ideas:

• Why the first property decision is often driven by emotion rather than strategy

• The key differences between buying to live in versus buying to invest

• How “rentvesting” can create more flexibility in high-priced markets

• When government incentives can actually hold you back

• Why over-leveraging on your first property can limit future opportunities

The episode also explores how experienced investors approach this decision, including how they think about borrowing capacity, cash flow, and asset selection, and why flexibility is one of the most important factors early on.

By the end of the episode, the message is simple: your first property doesn’t need to be perfect, but it does need to align with where you’re trying to go, not just where you are today.

Connect with me here: https://shorefinancial.com.au/matthewcurle

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This conversation focuses on what strategy actually means in property investing, and why skipping this step is one of the biggest reasons people end up with underperforming portfolios.

We break down the key elements that shape a strong strategy, including understanding your “why,” aligning with your partner, and building a plan that is both simple and adaptable over time.

We also discuss several key ideas:

• Why buying a “good property” without a strategy often leads to poor results

• How risk tolerance and personal circumstances should shape every decision

• Why copying other people’s strategies rarely works

• How alignment (with your partner and your advisors) impacts long-term success

• Why simple, repeatable strategies outperform complex ones

The episode also explores how experienced investors think about budgeting, cash flow, and long-term planning, and why property investing should be treated as a flexible, evolving process rather than a fixed plan.

By the end of the episode, the message is clear: successful property investing isn’t about chasing deals. It’s about making decisions that align with your life, your goals, and your capacity to hold and grow assets over time.

Connect with me here: https://shorefinancial.com.au/matthewcurle

Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Property Mindset, I’m joined again by Julian Nicolitsis, co-founder of Prop Moves Australia and a seasoned property investor who has helped clients purchase more than $1 billion in residential real estate across the country.

This conversation explores Julian’s journey into property, including his upbringing in Melbourne, his early career in FMCG and the fitness industry, and how those experiences shaped the disciplined and process-driven approach he now brings to property investing.

We also discuss several key ideas:

• Why many successful investors don’t come from wealthy backgrounds

• How experience and process matter more than trying to perfectly time the market

• Why delegating to experienced professionals can accelerate results

• How the right property decision early on can shorten the path to the next investment

The episode also explores how experienced investors assess markets, and why relying on a single metric like population growth can be misleading. Instead, strong decisions tend to come from looking at multiple fundamentals including supply, demand, economic activity, and rental pressure.

By the end of the episode, the message is simple: successful property outcomes rarely happen by accident. They come from having a clear plan, surrounding yourself with the right expertise, and taking action rather than sitting on the sidelines.

Connect with me here: https://shorefinancial.com.au/matthewcurle

Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Property Mindset, I’m joined by Julian Nicolitsis, co-founder of Prop Moves Australia and a seasoned investor who has helped clients purchase more than $1 billion in residential property. Together, we unpack why property has become such a defining part of Australia’s financial culture.

We explore how immigration, cultural values, government policy, and decades of strong performance have shaped property into the default path to financial security for many Australians.

To break this down, we discuss several key ideas:

• Why property has become the most relatable investment for everyday Australians

• How government policy and incentives have steered capital toward housing

• Why property’s long-term performance continues to reinforce the obsession

• How perception, media narratives, and financial literacy shape whether people feel ahead or behind

The episode also explores how property has influenced the way Australians think about work, business, and wealth creation, and why many people see it as the most accessible path to long-term financial security.

By the end of the episode, we step back from the headlines and focus on how individuals can think about property more clearly and make decisions based on strategy rather than noise.

Connect with me here: https://shorefinancial.com.au/matthewcurle

Hosted on Acast. See acast.com/privacy for more information.

In this first episode of The Property Mindset, I share the story of how that moment pushed me to buy my first investment property at 20, continue investing while running a building business, and eventually transition into mortgage broking.

I’m joined by Julian Nicolitsis from Prop Moves, who flips the script and interviews me about my journey, how construction shaped my perspective on property, and why finance is often the backbone of successful property decisions.

We also discuss the difference between transactional brokers and strategic brokers, why communication and proactive advice matter, and the types of clients I typically work with.

To finish, I break down three of the most common property mistakes I see people make:

• Upsizing their home without selling their existing property

• Over-leveraging their first purchase and limiting future options

• Small business owners reducing taxable income so much that it damages their borrowing capacity

This episode sets the foundation for the podcast and explains why getting the financial foundations right often matters far more than chasing the next opportunity.

Connect with me here: https://shorefinancial.com.au/matthewcurle

Hosted on Acast. See acast.com/privacy for more information.