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Why Most Aussies Get Property Investing Wrong

If you’re searching for property investment advice in Cairns, guidance on how to grow a property portfolio in Australia, or strategies to increase borrowing capacity for your next investment property, this episode is for you. Why do so many property investors in Cairns and regional Australia get stuck after one or two properties, even when property prices are rising, rental yields are strong, and vacancy rates remain tight? In this in-depth property and finance discussion, we sit down with Kurt from Blue Collar Money to unpack the most common property finance mistakes, borrowing capacity traps, and loan structuring errors we see holding investors back across Cairns, Far North Queensland, and Australia more broadly. Working closely with property investors on the ground in Cairns, we regularly see clients with solid incomes, strong equity positions, and good-quality assets quietly hit a lending ceiling. Not because they bought the wrong property, but because of early decisions around interest-only vs principal and interest loans, lender selection, cross-collateralisation, and poor long-term portfolio planning. This episode delivers practical, real-world property investment strategy designed to help you avoid costly mistakes and build a scalable, finance-ready portfolio. 🔑 Key Topics Covered 00:00 – Introduction 03:02 – From Mining Income to Property Investing Lessons FIFO income, early money mistakes, and mindset shifts 07:32 – First Investment Property: Wins, Mistakes & Lessons What first-time investors get right — and wrong 12:05 – Common Property Finance Mistakes Car loans, credit cards, consumer debt, and borrowing power 17:38 – Interest Only vs Principal & Interest Loans Explained Which loan structure works best for property investors 23:42 – Why Most Property Investors Get Stuck at Two Properties Serviceability ceilings and lender sequencing issues 30:04 – Portfolio Strategy vs Buying More Property Why portfolio design matters more than the next deal 35:06 – Cairns Property Case Study: Equity & Growth Local examples from the Cairns property market 40:34 – What Financial Freedom Looks Like for Property Investors Cash flow, lifestyle, and realistic expectations 45:28 – How We’d Build a Property Portfolio From Scratch Today A smarter long-term strategy for Australian investors 🤔 Why Do Most Aussies Get Property Investing Wrong? We break down the real reasons investors stall: • Why income alone doesn’t guarantee borrowing power • How early loan choices quietly limit future options • When interest-only loans make sense and when they don’t • Why portfolio design matters more than chasing the next deal • How Cairns investors can think longer-term from property #1 If you’re researching property investing in Cairns, regional Queensland, or Australia more broadly, this episode will help you avoid the mistakes that stop most investors from ever scaling. 🔍 SEO Search Terms (Rank-Friendly): cairns property investing, cairns real estate, property investing australia, finance strategy property, mortgage broking investors, interest only vs principal and interest, borrowing power australia, cairns investment property, regional property investing, building a property portfolio, property finance mistakes, queensland property market 📚 Disclaimer This video is for educational purposes only and does not constitute financial or investment advice. Always conduct your own due diligence and seek guidance from qualified financial, legal, and real estate professionals. Wanting help buying real estate or building a property strategy in Cairns? Get in touch with the team at The Buyers Co. 👉 www.thebuyersco.com.au