Why you need a Buyer’s Agent with Kerryn Brownson

Buying property isn’t just stressful — it’s easy to get wrong without the right support.

In this episode, buyer’s agent Kerryn Brownson breaks down why having an expert in your corner can completely change the game.

From accessing off-market opportunities to negotiating smarter and avoiding costly mistakes, Kerryn shares how to buy with clarity, confidence, and strategy.

If you’re entering the property market (or already feeling overwhelmed), this is one to listen to.

Hit subscribe to the Equity, Strategy, Prosperity Podcast and let’s start building your legacy, one strategic move at a time.

Follow along at @peter.bardadyn.yourlocalbroker 

Transcript

SPEAKER_00 0:02

Welcome to Equity Strategy Prosperity. Powered by equity, driven by strategy and focused on prosperity. Putting you on your journey to your financial prosperity. Whether you're building your portfolio, whether you're refining your portfolio, or whether you're scanning your portfolio, this podcast is for you. It's designed to give you the opportunity to make smarter decisions with your property investment. Welcome to Equity, Strategy and Prosperity. Today is an exciting day because we have with us someone who's passionate about their role in the property investment market. I'd love to introduce you to the principal of 28th Street Agency, Karen Brownson.

SPEAKER_02 0:50

Hi, thanks, Peter.

SPEAKER_00 0:51

How are you?

SPEAKER_02 0:52

Yeah, I'm great. Thanks for having me.

SPEAKER_00 0:54

Pleasure indeed. You're the very, very first on the podcast.

SPEAKER_02 0:57

I know, I feel actually a bit privileged to be honest.

SPEAKER_00 1:01

It's great to have you because we've we've obviously um worked together a little bit and we both have a shared passion in terms of giving back to charity, which is something that I think is fantastic. So tell me a little bit about yourself and how you got into the buyer's agency business.

SPEAKER_02 1:16

So as um obviously a buyer's agent, I'm a borderless investor, so we help people bribe property all over Australia, and we also do own occupiers as well. So we do investments and own own occupiers and self-managed super fund investing as well. I got into property because you know I've built and flipped and done all my own property in the past, but I really wanted to learn how to invest in property, and it sort of sort of took me down to a buyer's agent course, and then I got my real estate license, and I sort of loved it so much that I thought, well, this is what I would like to do, you know, do for a living. And I think that it's great to even the playing field between a real estate agent because and um the buyer, because the real estate agents, you know, they train once a week for a couple of hours on negotiations, and the everyday person doesn't have that skilled negotiation training, and being able to even the playing field out there for buyers is you know key, I think.

SPEAKER_00 2:14

So I I I can't agree more. That's the whole basis to equity strategy prosperity is getting people to understand what they can do, find the best tools, the best ways through. And one of those things is from my perspective, when people get to the point of looking for a property, they don't do that all the time. And so having a trained professional, you have a trained profession with everything you do. So it makes sense.

SPEAKER_02 2:39

Yeah, especially especially when it's one of the biggest purchases of your life. It's kind of like going to court unrepresented. So, you know, you you're negotiating, you're trying to battle against someone that's skilled and does that for a job every day. And if you don't know, you know, some people don't know what a community title is, some people don't know how to place an offer, some people don't know what kind of special conditions to put on an offer. So and yeah, it's it's much better having a professional on your side, I think.

SPEAKER_00 3:05

Yeah, I mean it it certainly makes sense to me. And it's something that's relatively new in in the Adelaide market necessarily.

SPEAKER_02 3:11

Yeah, in the E S and C boards, I think everyone just uses a buyer's agent because that's what they're used to, but it's becoming, you know, a lot more prevalent here now.

SPEAKER_00 3:20

So yeah, I I certainly see it uh in my role where a couple of years ago people were going, Well, why do I need a buyer's agent? Because they were largely um uh unknowing of what you do and how you do it, um, uh, in just the same way as people are unsure about how much they can borrow, what's the best option for them? It's really then the property, and of course, there's so many different variants of property uh scenarios that you can get involved with. So having someone on your side batting for you, I think, is is really powerful.

SPEAKER_02 3:49

Yeah, and we I mean it takes the average person nine months to find a property. Does it? Yep, the average person is nine months. So there's people that are longer than that, and there's people that are shorter than that, but you know, we we take that time frame down to six to eight weeks. So if you know we're buying in today's market, not in nine months' time, prices market, and you know, we're making sure that we're getting them a good deal and we get access to off-market properties and properties that they wouldn't actually see if it wasn't for our relationships with that.

SPEAKER_00 4:18

So off-market properties, um, a lot of people wouldn't know what that term means.

SPEAKER_02 4:23

So it's either off-market or pre-market. So sometimes people, the house might be rented and it doesn't present well, so the agent will sell it off-market, so they won't advertise it on realestate.com or domain. So they're, you know, they'll just send it out to a select few people or a select group of people. That's one of the reasons people don't want to pay for marketing, so they and or they don't want a hundred people coming through their house every weekend and they don't want to have to stage it or do anything like that. So sometimes properties come on and they sold off market before anyone knows that they're for sale.

SPEAKER_00 4:55

So the the the real estate agent will will uh effectively advertise it to to buyers' agents who have then got a clientele, which then go and are able to access that property well before.

SPEAKER_02 5:05

Yeah, yeah, exactly. I mean, I get in sometimes before they've even, you know, they might be putting it on the market in two weeks, and I'll have agents win me up and say, Karen, have you got anyone for this? And as they're maybe starting the photos, I'm in there buying it already. So Okay. Yeah.

SPEAKER_00 5:21

That's that's great for them, but it's also great for the purchaser. That's yeah, that's the whole thing because there's not that cot other cost structures building that delay that's building it.

SPEAKER_02 5:29

But I don't have to go through the opens, I don't have people rummaging through the house, it's just me in and out. Yeah, just sold. Yeah.

SPEAKER_00 5:36

It certainly is. I I I know with a lot of people they struggle to find property, and I'm happily sending them property reports, but they're going through this process and it can be can become such a such a struggle.

SPEAKER_01 5:47

Yeah.

SPEAKER_00 5:47

Um, so off-market is something that is totally different. Most people will go to um one of the websites, realestate.com or whatever. Uh in the old days, it used to be the newspaper, and you grab the newspaper on Saturday mornings and start circling and going from.

SPEAKER_03 6:00

I remember those days. We're showing at age now, Peter.

SPEAKER_00 6:03

I am, I am, yeah.

SPEAKER_03 6:04

I said we are.

SPEAKER_00 6:06

Yeah, so I mean, at the at this day and age, you you can get access to that information. But then uh from my perspective, it's really interesting because I have a lot of feedback from my clients. It's how it's going to auction. And that's really not only is it a challenging thing for them to go to an auction, again.

SPEAKER_02 6:23

I love a good auction.

SPEAKER_00 6:24

I'm sure you do.

SPEAKER_02 6:25

It's one of my favourite things to do. You can also, even if it's going to an auction, you can also approach the agent and see if they will negotiate and accept offers prior to auction. So always ask the question because sometimes and more often than not, they'll take and they'll accept an offer.

SPEAKER_00 6:41

So there we go. There's always tips in talking to a professional. Always, always. But people get get phased about it. Um, most importantly, I I make sure they go through the due diligence once they get to contract of all the things they need to do, show the conveyance of their contract, etc. So we do as much as we can, but that's after people have bought. And it's really that that that intervening place between they've got the finance and getting the contract. And that's where I guess where your sweet spot is in terms of being able to operate for them.

SPEAKER_02 7:11

Yeah, I mean, we do so much due diligence. Um we have lists, you know, there's probably about 15 different items, and we're checking is that under a flight path, the heat map, the noise level of the property. So we have noise maps, um, you know, flood zones, fire zones, heritage listed, uh, walk score, how far is it to the closest shops, how far is it CBD, tranquil score, hip score. There's so many different due diligence items. It's not just, yeah, that looks good sort of thing. There's there's a lot to it. Planning reports, there's yeah, it goes on.

SPEAKER_00 7:41

So tranquil scores and hip scores?

SPEAKER_02 7:44

Yeah, yeah. So how tranquil is the suburb, how hip is the suburb?

SPEAKER_00 7:48

Like how hip, tell me.

SPEAKER_02 7:50

Oh, it's just it's just um in it with one of our programs that that that every property has a hip score.

SPEAKER_00 7:56

So it's so not in hip score.

SPEAKER_02 7:58

So like a trendy that's what I thought it was. Yeah, hip. So you know, has it got local cafes? What's okay? What's the type of, you know, do people hang out there? Is it hip happening kind of thing? So yeah, a safety score. There's there's all all sorts of stuff. So and then we even look, you know, on the street and the map, and we can tell in that little area who's a renter, who's an owner, when the last time they sold it, how much they sold it for, how much it was rented for, is there any public housing in the area, how far away is it? Like there's so much that we look into.

SPEAKER_00 8:31

Okay. And and your focus is just Adelaide, or is it much, much broader than that?

SPEAKER_02 8:36

No, so we're borderless, so we go Australia-wide. So I'm currently sourcing property in Queensland, Victoria, New South Wales, and South Australia at the moment for clients.

SPEAKER_00 8:44

Okay. And there for the clients with different Mount Gambia. And Mount and Mount Gambia. Two in Mount Gambia. We have to put Mount Gambia in.

SPEAKER_02 8:51

But South Australia, I guess, but yeah, it would be, of course.

SPEAKER_00 8:54

But yeah, most people forget Tasmania, but you're not forgetting Mount Gambia.

SPEAKER_02 8:58

Well, Tasmania is actually coming up as a good hotspot.

SPEAKER_00 9:00

Is it really? Yeah. Well, there we go. Why why is that? Tell me.

SPEAKER_02 9:04

Um, well, I I meet once a month with um Terry Ryder, he's you know Australia's foremost property hotspotting expert, and um, he was just talking about um Lonceston and Hobart really, you know, getting some legs at the moment, and he said that it's you know gonna stay, so it's a good time to invest there. But but Melbourne's outperforming it, Victoria's outperforming everything at the moment, so okay. That's a good idea for you.

SPEAKER_00 9:29

It is that and uh that's what you're looking for, no doubt, when you're talking to clients who are looking for for equity growth, I I presume, and are not worried about uh the location. I mean, because I there's a chap recently in it, one of my lovely customers, but he wanted to buy in Engle Farm, and there's nothing wrong with that. But he was putting um putting a fence around the opportunity. He didn't want to go broader, he had his reasons for it. But I guess the broader you go, the greater the opportunity.

SPEAKER_02 9:55

Well, most people buy want to buy in their backyard because they want to be able to drive past it, they know it's safe, and that is just completely the wrong thing to do. So, have you heard of a property clock? No, so every property goes around in a cycle, so there's a 12 o'clock is the peak of the market, three o'clock's the declining market, six o'clock is the bottom of the market, and nine o'clock's the rising market. So property everywhere in Australia is sitting somewhere different than that clock. Okay. So Adelaide's sitting at nine, ten o'clock. So it's only got that far to grow to get to the peak of the market before it sort of stagnates. Melbourne's sitting at seven o'clock, it's just come from six o'clock, so it's at the bottom of the market and it's at seven o'clock now, so it's starting to recover. So you've got all of that way to get all of that, you know, profit and capital growth. So investing at the moment would be a much better idea to invest in Melbourne because you're going to get all of that capital growth into Adelaide. But then if you wanted to invest in Adelaide, say you wanted to get equity out quickly in one to two years, Adelaide or Queensland, which are sitting at nine or ten o'clock, would be a you know a good option because you can get because it's moving faster, the equity's growing faster because it's at that top of the market stage. So it depends when you want to get equity out again, how long you want to hold for, and your budget. And then we sort of take those search parameters and then we search 105 data points throughout Australia. So we're looking at population growth, infrastructure spend, days on market, vacancy rates. There's 105 different points. So yeah. So it's not just about what I think, it's about what the data tells us. And so we and we actually look at three different data sets to get a holistic view because sometimes the data sets are different between each each data set. So we sort of take 03 and you know, and then we're talking to people on the ground and finding out what the market's doing and how it's going and all of that kind of stuff. So there's a lot of research behind where to buy. It's not just I think Ingle Farm's great.

SPEAKER_00 11:49

Yeah. You've got to put it got to put a writer in there and not feel in Eagle Farm at all. It's just like that. No, no, no, no.

SPEAKER_02 11:56

And I mean, I could look at the report and have a look and see how, you know, see how it's going to perform because I do have we in our suburb reports we can tell. But you know, it's it's buying where you think is not a good idea. It's doing the research and the data and finding where that where that property is sitting on that clock and that suburb on that clock and seeing how you know it will improve, I guess.

SPEAKER_00 12:20

Yeah, that I mean that's what this is all about.

SPEAKER_02 12:23

It's time in the market.

SPEAKER_00 12:24

Yeah, yeah, that that's fascinating because you see, uh, I mean, I track I track um price changes, and of course Adelaide's had this amazing growth, you know, almost double in in six years, it's quite incredible. Um and Melbourne hasn't, so now Melbourne's obviously coming through that cycle and dropping down.

SPEAKER_02 12:42

Six months ago, Melbourne was a a you know, a declining market. Do you know what I mean?

SPEAKER_00 12:46

Now it's starting to move.

SPEAKER_02 12:47

Now it's starting to move up.

SPEAKER_00 12:49

Yeah, because Adelaide was just literally going up like that quite amazingly.

SPEAKER_02 12:52

Yeah, even at the end of last year, I reckon it's going up 20 grand a month.

SPEAKER_00 12:56

Yeah, that's just that that's just crazy and it and it creates challenges. And that's ultimately where the philosophy behind equity strategy prosperity is. Because from my perspective, what I want to do is be able to have people understand about their equity and what it is and how they can use it, because it's the key. And then we go through that process whereby we understand the borrowing capacity, both people's standard borrowing capacity, but also the self-managed super fund capacity. Uh, and that's important. I know before I was a broker, uh, one of Adelaide's leading brokers refinanced me, and I was in the higher ed sector. And fortunately, there was some great superannuation there. And he asked me how much super I had. And I remember he wrote it down. He said, Oh, that's great, Peter. But that's it. He didn't do anything with that. He didn't do anything with it.

SPEAKER_02 13:46

Yeah. I asked that question to every single client. Yeah, that's true. How much super you have?

SPEAKER_00 13:51

It's so important people get phased by the term, but it's looking at both. So what we're building is a total picture of your finances, and then we put the pre-approvals in place. Now that's the real key, and you can probably talk to it, but pre-approvals are great for your market power, so you're optimising your market power.

SPEAKER_01 14:07

Yeah.

SPEAKER_00 14:08

And then that's where the strategy comes in. And that's the thing I see. Um, I talked to my previous podcast about a chap who bought a property. We did his numbers, and that was on, I think, the Thursday or the Friday, and I got a phone call on the Monday, Pete, I've got a property. Oh, that's great. And he told me, and and he made um 3% in six months and was insanely happy. On the same day uh that he, so one of my clients who'd done a lot of work, ended up going north of Adelaide, paid a third less but made two and a half times more, made $75,000 on $610,000 simply by doing his homework. Now both people are happy, but would you rather have two and a half times more for a for 50% less so you can go again? That's really the nub of this. And that's why it's important to be talking to experts like yourself.

SPEAKER_02 14:59

Yeah, and not, I mean, and the prices have gone up so much in Adelaide that a lot of people can't even afford investment property here now. 800,000 is not buying you much. You know, a real estate agent said to me, Karen, I sold um, I sold a property the other day for 700,000 with a tree coming out the roof. Like, do you know what I mean? So and then you know, I can buy um a townhouse in Victoria, 30k's from the city, CBD, for 550,000. So, do you know what I mean? Like, even there's better properties and better opportunities elsewhere. So you've just got to do the research.

SPEAKER_00 15:34

So you would rather the holistic view than than perhaps set it setting on a particular state or even a suburb?

SPEAKER_02 15:40

Yeah, yeah, and I let the data talk. It's not my my views, it's you know, the we do a lot of research, so and it's forever forever moving and changing. Yeah, exactly.

SPEAKER_00 15:50

So do you have preferences around established or new, or it is is that location depending on it?

SPEAKER_02 15:56

Established, definitely established.

SPEAKER_00 15:57

And why is that?

SPEAKER_02 15:58

I think that if you're buying in one of those house and land package estates that you know everyone's buying at the same time, everyone's building at the same time, then everyone's gonna be looking for a tenant at the same time, and then everyone's gonna be trying to sell after seven years at the same time, and then they're still building and putting new properties on, so you're competing with the new builds and you're trying to get the same price as the new builds, and they're going, Well, why would I buy your house when I can get a new one? And it's just I just don't think it's a great investment. So, but if you want to live in an own occupy there and you don't really want to sell, that's your one and done kind of thing. But as an investment strategy, I definitely go and then you know they're on smaller blocks as well. So as an investment strategy, I would definitely buy an existing dwelling.

SPEAKER_00 16:41

There we go. That's really interesting. I think that's the beauty of this because there's so much information out there, and people I think um get caught up in who do I listen to, where do I go? Yeah, um, because there's a whole range of things, and from my point of view, the strategy is about understanding what people are comfortable with and then finding the right property expert for them. And there are a lot of people out doing that, but um, once you're in the industry and you start to work with people, you start to look at their business practices and the reviews from the customers, you've you've referred to them, etc. That's why it's important to be talking to people like you who've got the runs on the board and are doing that because uh it's all about once we've got that structure set up, everybody knows what they're able to do, we've got our pre-approvals in place, then that strategy becomes all important. Yes, it's powered by equity, but it's a strategy at the end of the day that turns into prosperity.

SPEAKER_02 17:32

100%. And what you touched on before about getting that pre-approval in place, that is key because it it helps with negotiation. No agent's gonna take if you say you're negotiating with a property that's on market and there's five offers or 20 offers or however many offers there is at the moment, if you have, you know, you don't have your finance in place, you're just gonna be sorry, you're out of the pile. Like you're not gonna be you need your finance in place, you need to have that pre-approval, and so you can do if you have to do subject to finance, you can do with the shortest amount of finance time, you know, subject to finance seven days or 14 days, because it's only a bank vow that you need then to get it done.

SPEAKER_00 18:10

Correct. You'd make a good mortgage broker. Well, no, it's it uh important because what it does is it gives people confidence, they know what they can do, the surety, because it's not necessarily a straightforward process, and neither is equity. Uh, people don't understand how it works and what the benefits are, uh, and and that transfers into the borrowing capacity.

SPEAKER_02 18:32

Yeah, and I can't do my research unless I know how much you can borrow. So because I'm, you know, it takes a long time to do the research, and if I'm researching on the wrong figure and the wrong amount, it changes the result totally. So I'd have to start over again.

SPEAKER_00 18:47

Yeah. So would you um what do you see as the classic pitfalls in in this scenario? People have come to you and said, I've been doing X for so long, I can't find a property. Can you help me?

SPEAKER_02 18:57

What's what's the sort of things that I Well, I I kind of I ask why they've had it, you know, have they put offers on any houses? Are they seeing houses within their price range? Are they being priced out of the market? So I try and sort of ascertain what's been going wrong first. Um, you know, some t I had a a a client that came to me and they were looking for five years before COVID. And yeah, he just couldn't get it across the line.

SPEAKER_00 19:22

Five years prior for for that period of time.

SPEAKER_02 19:24

And he just couldn't get it across the line. He just could not get a beard across the line in five years. And he wasn't fussy, he he was a builder, so he was looking for something that he could renovate. Do you know what I mean? Like he was looking for a fix-me up error. And um, I got him a pro uh property within five days. Yeah, so there we go. Yeah, so people stumble for all different types of reasons.

SPEAKER_00 19:47

So fascinating. Yeah, I mean I I I I really think that um uh well I see uh the the delay and the frustration uh and in moving markets, especially this one in Adelaide where uh young people, especially first-time buyers, are trying to get in, it does become challenging for them. Yeah, but we're talking about people with equity that want to grow their prosperity. So it's about being clear about what that is and then taking advantage of it and spending as little for as much return as possible. So 100%. Yeah. So yield yield becomes important. Are places like Melbourne great for yield at the moment?

SPEAKER_02 20:23

Um uh probably three to three and a half percent to four percent. Um, you know, I actually found a house yesterday that was a five percent yield in Melbourne. Um so it just varies on the property, but capital growth is the main driver and the main goal. So getting an extra $10 a week rent when you can get an extra couple of hundred thousand just is negligible. So it's always always look for a capital growth rather than a yield. I mean, obviously you've got to be at a service alone, but capital growth is the driver for investments.

SPEAKER_00 20:57

Okay.

SPEAKER_02 20:58

You can always add value for yield. So um, you know, sometimes there's um you can put a granny flat on the back and um rent that out and get double income, or do you know what I mean? Like there's there's ways to manufacture value and yield. So yeah.

SPEAKER_00 21:15

Interesting. Yeah, it is once I once I started to understand a little bit more about what you do, it it it's fascinated me. And that's why your first came off the rank, because this is important information. There's a lot of people listening to this today that are going, hey, I've got to stop this and rewind, or I'll listen to that again, because what was she saying? What and so a lot of people simply only do this once or twice, some people a couple more times than that in their life. So it's about being as prepared as possible for just the smallest, the smallest investment not in your life. It's the biggest thing you'll ever do.

SPEAKER_02 21:48

100%. And that's why I always ask Is this is it a one only, or are we building a portfolio? Because one of my search parameters is like, when do you want to get equity out? Is it one to two years? Is it three years? Is it four years? And that will depend on where we buy in Australia to you know to how soon they want to get that equity out to go again.

SPEAKER_00 22:07

Yeah, again it comes back down to strategy.

SPEAKER_02 22:10

Strategy is key.

SPEAKER_00 22:11

Yeah, I I think so. And I think that's a good idea.

SPEAKER_02 22:13

Having a team of professionals around you that know what they're doing is also key. So having a great mortgage broker, a great conveyancer, um, obviously a buyer's agent, all of those kind of things is very, very much key. If you don't have, you know, even a good property manager. So if you don't have those, those key trades or those key services around you, it can be that know what they're doing, it can be hard.

SPEAKER_00 22:36

Yeah, it is, and it helps the client so much. I mean, it's a good point you raised because we we do it here at the Finance Nest where we've got that end-to-end system, if you will, and it's people that we trust, that we've worked with, that we know that they're working for the best interests of the client. Um, uh, and right the way through from your from your inspections. I always say get a get a building inspection, get a pest inspection. All of these due diligence processes.

SPEAKER_02 23:00

Sometimes we do a plumbing as well. Do you? Yeah, we put cameras down the drains if there's a lot of trees to see if the roots have bought through the drains and checking hot water gas systems. We don't want the hot water system to blow up and all of that kind of stuff. So yeah, we do plumbing as well.

SPEAKER_00 23:16

Team is all important. Team is all important.

SPEAKER_02 23:19

It is.

SPEAKER_00 23:20

Well, this has been interesting. There's so much to it. Um, I'm sure people can get in touch with you at um 28th Street Agency. You're based on the parade at Norwood, I think.

SPEAKER_02 23:28

Yes, yep. Yeah, we're in the parade opposite Danny's tie, I think. Yes.

SPEAKER_00 23:31

Oh, okay.

SPEAKER_02 23:32

Just there. So cool. Yeah.

SPEAKER_00 23:34

I think a lot of people would well know the parade at least anyway.

SPEAKER_03 23:37

Yes.

SPEAKER_00 23:38

Now I always ask, even though this is the first podcast, I always ask.

SPEAKER_03 23:42

I'm always gonna ask.

SPEAKER_00 23:43

Or I'm always going to ask, yes, thank you. A saying because um, for me, I'm one of those people that loves things that uh a one liner that that has been said to someone that's changed or or um changed their life or been important for them. Have you got a a line of wisdom for me from a buyer's agent's perspective? I'm putting her on the spot now.

SPEAKER_02 24:02

You are putting me on the spot, and I'm gonna have to think about it. Um, a line of wisdom. From my perspective and how I I kind of live my life a little bit, I think never take no for an answer. Um if if I send someone to a mortgage broker and they say, nope, you can't borrow, you know, it's not no, it's just not yet. And what do we have to do to get there? So, yes, I want to build a property portfolio, and if it's not right for me right now, like how do I get there? What do I do? Like, it might not be the straight path that you're going to, but you can go, you know, there might be just a deviant, but you're still going to get there. So I don't like to say no to anyone. I think that it's just will put you on a path to get you into the right direction to make this happen. And if you're like, I can't afford to buy where I live, well then rent best. And rent besting is okay, so you rent in the area, so you you want to live in Norway and you can't afford to buy there, you rent there, and then you go and buy an investment property for $500,000 in a growing area, you build the equity up in that, maybe get another one, or you take the equity out of that and then you start buying where you live. So there are ways, it's not always I can't, I can't. You've just got to think creatively, get a team behind you and just think, well, how do I get to this goal?

SPEAKER_00 25:19

Put you on a spot you came through well. Never say no.

SPEAKER_02 25:23

Never say no, it's just a not yet, or there's just a different path to get there.

SPEAKER_00 25:27

Yeah, that look, that's great advice.

SPEAKER_02 25:29

Never accept no is what I'm saying. Never accept no.

SPEAKER_00 25:31

Yeah, we're just never accept no.

SPEAKER_02 25:33

Never accept no. Never accept no as an answer. Yeah.

SPEAKER_00 25:36

Okay. And one final thing. Um, tell me a little bit little bit about your passion. As many people know, uh, I founded a charity called 100 for a homeless, in which I donate $100 from every every mortgage that I said all to one of five homeless charities here in Adelaide. I believe it's important to give back. I believe it's important for business to give back and to improve, especially within the housing industry. So that's where we first connected through through a shared passion. So tell me about what you do.

SPEAKER_02 26:02

Okay, so I um with every house that I purchase on behalf of someone, I donate a night to stay to an unhoused woman at Catherine House, which is Adelaide's only homeless shelter for women. I also help one woman for free at the moment. I've got my Empower Her application open where I help give my full buyer's agent service to one lady that needs it. Um, they're usually coming from domestic violence or they're left with nothing and they just really need help. We also help, we have a done with you service as well, and we help one person for free as well. So we're actually helping someone at the moment buy a property. So we're helping a couple of people a year pro bono, and I donate obviously to Catherine House as well. Fantastic. Oh, and I'm becoming B Corp. So yeah, so I'm going through my B Corp certification at the moment. So a B Corp business is a business that has the highest transparency of social and economic um, you know, we give back so purpose and profit are equal KPIs and equally measured.

SPEAKER_00 27:00

So well done to you. Thank you. I I think it's important to me making a difference on both sides of the ledger for those that are fortunate, um, but especially because of that, that we're able to do something for those perhaps less fortunate, those that can can find their way into a property in different forms, and those that don't have that fortune at the moment, because we're not going to say no, are we?

SPEAKER_02 27:22

No, we're not gonna we're not gonna accept no.

SPEAKER_00 27:24

We've got to accept no, thank you. Got to be corrected. Well, it's been a pleasure. Thank you for having me. We've got through our first podcast. It's it's uh okay, I think. I don't know.

SPEAKER_02 27:33

I think we did well. We didn't even look at the paper.

SPEAKER_00 27:35

No, we didn't. There we go. So you've been listening to Equity Strategy Prosperity. It's driven by uh strategy and it's about your prosperity. So thank you very much and look forward to the next one. Of Equity Strategy Prosperity, designed to grow your financial prosperity. You've been with Peter Bardadin, powered by equity, driven by strategy, focused on prosperity. See you next time.