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Your Property Guide - The YPG Podcast
Welcome to Your Property Guide, the podcast that empowers everyday Australians with expert insights, education, and the latest market information, giving you confidence to succesfully navigate the Australian property market.
Whether you're just starting out or a seasoned investor looking to take it to the next level, YPGco is your go-to for valuable updates and expert insights. Make smarter property decisions and stay ahead of the game. Tune in and level up your property journey with You Property Guide.
*The information shared on this podcast is for educational purposes ONLY and should not be considered professional advice. While we strive to provide accurate and up-to-date insights, the content may not apply to your individual circumstances. We recommend consulting with a qualified professional, such as an accountant, financial advisor, or legal expert, before making any decisions related to property investment or financial matters.
The views and opinions expressed by our guests are their own and do not necessarily reflect the views of the podcast or its host. YPG co and its affiliates are not responsible for any actions taken based on this podcast's content.
Your Property Guide - The YPG Podcast
22 - Property Investing 101 mini series - Part 2 Finance basics
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🎙️ Property Finance Explained: Borrowing Capacity, LVR & Leverage (Episode 2)
In this episode of Your Property Guide, Matt Piotrowski breaks down property finance in Australia and why it’s the foundation of building a scalable investment portfolio - not just buying one property.
If you’re trying to understand how much you can borrow, how deposits work, or how to use equity, this episode gives you a clear, practical overview.
We cover:
- Borrowing capacity and what banks actually assess
- Loan-to-Value Ratio (LVR) and how it impacts your strategy
- How equity works and what “usable equity” really means
- Interest-only vs principal & interest loans
- Fixed vs variable interest rates
- Offset accounts vs redraw facilities
- Why serviceability — not equity — stops most investors
- The power of leverage in property investing
This episode is designed to help you think strategically about finance, so you don’t limit your ability to keep investing.
If this raised questions about your own situation, that’s the point. And if you want to make sure your finance is structured properly from day one and doesn’t hold you back long-term, the team at Dynamic Advisory can help guide you with a clear, scalable strategy.
👇 Catch Up or Reach Out
- Matt Piotrowski – Investor, Buyers Agent, Director of Perth based Advisory firm and host of Your Property Guide
- Matt Piotrowski
- Instagram: https://www.instagram.com/matt.dynamic/
- LinkedIn: https://www.linkedin.com/in/mattdynamic/
- Matt Piotrowski
- Dynamic Advisory – Perth’s Premium Buyers Agency
- Instagram: https://www.instagram.com/dynamicadvisory/
- Book a strategy call: https://dynamicadvisory.com.au/
đź“Ś Next Episode: We dive into finance, loans, borrowing power and using leverage the smart way.
📅 Listen to Episode 2 now or hit follow so you don’t miss it.
Disclaimer ⚖️
The information in this podcast is general in nature and is not financial advice. Always seek professional guidance tailored to your circumstances before making any investment decisions.
Your Property Guide - The only property guide you will ever need.
Your Property Guide - Powered by Dynamic Advisory - Perth Based Buyers Agency and QPIA accredited Property Advisory
