Mar 10, 2026
Welcome back to another episode of the 360 Money Matters Podcast!
Most investors stall after their second property, not because they lose interest, but because they run out of borrowing capacity.
In this episode, Billy and Andrew break down exactly why scaling a property portfolio beyond two gets hard fast, and more importantly, how to build a strategy that doesn't fall apart when interest rates move or the bank says no.
Tune in to discover what separates investors who scale successfully from those who get stuck — or worse, are forced to sell.
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706
Episode Highlights
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Why most investors run out of borrowing capacity before they run out of ambition
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Starting with the end in mind, why your exit strategy shapes every decision
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Ownership structures: personal, trust, or company — and what the banks are doing now
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Cash flow as oxygen: why negatively geared portfolios compound risk at scale
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Balancing yield vs. growth properties to keep your borrowing capacity alive
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Debt structuring, cross-collateralisation, and offset optimisation
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How to stage a sell-down and avoid a single massive CGT event at retirement
Connect with Billy and Andrew!
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