The Smart Property Investor
Join finance broker and YouTuber, Naveen Merani, as he interviews property and finance professionals to breaks down property investing strategies, lending insights, and real-world tactics for building wealth. This series is for the Smart Property Investor looking to get an edge in Australia's ever-evolving property market. Best recommended to watch the video version as there's a whiteboarding element and visual case studies in each episode.
The Smart Property Investor
The Tax Strategy That Gets Your Property Loan Declined - with Davie Mach | Ep. 1
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In the debut episode of The Smart Property Investor, your host, Naveen Merani, sits down with Davie Mach from Box Advisory Services for a wide-ranging conversation about what actually happens behind the scenes when a client applies for a loan. They work through the 5 C's of Credit framework, then spend most of the episode unpacking three real client scenarios. Fair warning: this one gets surprisingly honest about where brokers and accountants sometimes pull in opposite directions, and why that matters for your borrowing power.
What We Cover
- The 5 C's of Credit: the framework brokers use to score a loan application before it ever reaches a bank
- Case Study 1: A high-income couple trying to get back into investment property and confused about structure
- Case Study 2: A business owner who minimised his tax a little too well and is now stuck when trying to borrow
- Case Study 3: Two brothers mid-way through a duplex development with a finance problem they didn't see coming
- Why accountants and brokers sometimes give you conflicting advice, and how to navigate it
- The CGT discount debate: is it actually worth obsessing over?
- When non-conforming lenders make more sense than going straight to your bank
About the Guest
Davie Mach runs Box Advisory Services, an accounting firm he's built over the past six years. He also produces content for over 50,000 YouTube subscribers on tax planning and property investing. If the conversations in this episode sound like what happens at your accountant's office at 9 pm, that's because they basically are.
Connect with Davie:
Book a call: https://www.boxas.com.au/book-a-consultation-yto/
Youtube: https://www.youtube.com/@DavieMach
LinkedIn: https://www.linkedin.com/in/davie-mach/
Instagram: https://www.instagram.com/boxas_syd
Facebook: https://www.facebook.com/boxadvisory/
TikTok: https://www.tiktok.com/@boxadvisory
The information discussed in this episode is general in nature. It does not constitute financial, tax or legal advice. Please speak with a qualified adviser before making any decisions about your own circumstances.