The Wealth Guide Podcast
Welcome to The Wealth Guide Podcast, where we discuss and explore ways of helping individuals and businesses achieve their financial goals.
Discover a plethora of knowledge in each episode from our hosts, and industry guest speakers and gain deeper insights and tools to help you make the right choice for a brighter future.
Disclaimer: The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
The Wealth Guide Podcast is proudly brought to you by Ryker Capital.
The Wealth Guide Podcast
Co-Buying Property – Smart Shortcut or Financial Time Bomb? | Ep. 64
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult
──────────────────────────────────
Buying property with a sibling or friend can sound like the perfect shortcut into the market — but what happens when goals change, life shifts, or one person wants out?
In this episode of The Wealth Guide Podcast, the team is joined by Amit Sharma from Inspired Wealth to unpack the realities of co-buying property and why having the right structure matters just as much as getting into the market itself.
From co-ownership deeds and borrowing capacity to future relationships, exit strategies, insurance, and difficult conversations, this episode explores what people often overlook before signing on the dotted line.
The conversation dives into the emotional side of co-buying, why treating the arrangement like a business partnership is essential, and how poor planning today can create financial and relationship stress later.
Whether you're considering buying with a sibling, friend, or even parents, this episode highlights why clarity, communication, and professional advice are critical before making one of the biggest financial decisions of your life.
──────────────────────────────────
SHOW NOTES LINKS
Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67
Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539
Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213
Dean Desoukey - https://www.linkedin.com/in/dean-desoukey
──────────────────────────────────
TIMESTAMPS
00:00 – Introduction
00:59 – Why co-buying property is becoming more common
04:02 – Are you financially aligned before buying together?
06:22 – Why emotions need to be removed from the decision
09:52 – Joint tenancy vs tenants in common explained
10:54 – Why co-ownership deeds matter
13:59 – Real-life co-buying mistakes and lessons
19:06 – Lending risks and borrowing capacity issues
24:08 – Unexpected costs, buffers, and cash flow pressure
27:04 – Why co-buying arrangements should be reviewed regularly
31:26 – Retirement, pension, and long-term planning considerations
33:41 – Insurance and protecting both parties
35:51 – The one conversation every co-buyer must have
42:45 – Final takeaways and closing thoughts
──────────────────────────────────
LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/5Q3irgh...
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD
──────────────────────────────────
FIND US HERE
Facebook: https://bit.ly/3RsO5Mr
LinkedIn: https://bit.ly/3Rs0Qah
Instagram: https://bit.ly/46kZvGp
TikTok: https://bit.ly/3PSbK7U
YouTube: https://bit.ly/3rsKxPG
──────────────────────────────────
CONTACT US
hello@rykercapital.com.au
Client Enquiries: 1300 179 537
Careers & Press: 1300 179 537
──────────────────────────────────
DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.