Property law can be tricky to understand. Craig Mason from SMS Law shares his top tips and interviews fellow industry professionals to pull back the curtain on the conveyancing process. If you are buying, selling or investing in property, this podcast show is for you.
Unconditional Guest interview - Justin Thom from MAP Home Loans
About This Episode
In this episode, mortgage strategist Justin Thom shares expert insights on navigating the current lending landscape, understanding media myths, and optimising your mortgage process amidst recent policy changes in Australia.
Keywords
Mortgage, Lending, Property Law, Negative Gearing, Investments, Australia, Home Loans, Property Market, Financial Planning.
Resources
Justin Thom - MAP Home Loans - https://www.linkedin.com/in/justinthom/ (https://www.linkedin.com/in/justinthom/)
Negative Gearing Policy - Australian Government - https://www.ato.gov.au/Business/Income-and-deductions-for-business/Negative-gearing/ (https://www.ato.gov.au/Business/Income-and-deductions-for-business/Negative-gearing/)
Property Investment Strategies - MAP Home Loans - https://www.maphomelones.com.au (https://www.maphomelones.com.au)
LinkedIn Profile - https://www.linkedin.com/in/justinthom/ (https://www.linkedin.com/in/justinthom/)
Key Topics
Myths about bank lending practices
Impact of recent policy changes on borrowing capacity
Importance of a strong team in property transactions
How negative gearing and tax reforms affect investors
Key factors influencing mortgage approval and serviceability
Chapters
00:00 Introduction and Guest Background
01:28 Common Myths About Bank Lending Practices
02:30 Media Myths vs Reality in Foreclosures
03:21 Traits of Clients with Smooth Loan Processes
05:12 Impact of Recent Policy Changes on Lending
07:00 Negative Gearing Changes and Borrowing Capacity
09:09 Status of Negative Gearing for New vs Existing Properties
11:08 Effects of Policy on Pre-Approvals and Borrowing
12:13 Advice for Investors Waiting on Policy Outcomes
13:27 How Banks Assess Serviceability Beyond Income
15:01 Surprising Factors in Serviceability Checks
16:10 Additional Expenses Banks Consider in Loan Assessments
17:35 Tips for Achieving Unconditional Loan Approval
19:30 Justin's Streaming Recommendations and Closing Remarks
19 Dec 2025
2025 Season Wrap Up
About This Episode:
In this episode, Craig Mason reflects on the highlights of the Unconditional podcast in 2025 and summarises key insights from various expert guests.
The discussion covers essential topics such as financial guidance for property buyers, the critical role of mortgage brokers, the importance of mindfulness during property transactions, and the value of having a buyer's agent. Each segment emphasises practical strategies and emotional management to navigate the property market effectively.
Who Should Listen:
Whether you're a first-time homebuyer or a seasoned investor, don't miss this opportunity to gain valuable knowledge and take the stress out of securing your dream home.
How to Contact Our Guests:
Denise: denise@jkninvestments.com.au (mailto:denise@jkninvestments.com.au)
Arch: https://archdownie.com.au/ (https://archdownie.com.au/)
Adam: https://designfinanceandwealth.com.au/ (https://designfinanceandwealth.com.au/)
Codie: https://broker.loanmarket.com.au/codie-richter (https://broker.loanmarket.com.au/codie-richter)
Keywords: property market, financial guidance, mortgagebrokers, mindset coaching, buyer's agent, investment strategies, emotional management, property buying tips, 2025 highlights, real estate insights.
12 Nov 2025
Unconditional Guest Interview - Codie Richter from Loan Market
About This Episode:
In this episode, Craig Mason interviews Codie Richter, a finance broker from LoanMarket, to discuss the intricacies of financial guidance for homebuyers and investors. Codie shares her journey in the finance industry, the importance of pre-approval for first-time buyers, and strategies for leveraging equity in property investments. The conversation also touches on the evolving landscape of financing, including government schemes and technological advancements that are shaping the future of property finance.
Who Should Listen:
Whether you're a first-time homebuyer or a seasoned investor, discover how a finance broker can help you achieve your property goals with confidence. Tune in to learn more about the benefits of pre-approval, the importance of strategic financial planning, and how to make informed decisions in today's competitive market. Don't miss this opportunity to gain valuable knowledge and take the stress out of securing your dream home.
How to Contact Codie:
https://broker.loanmarket.com.au/codie-richter
Chapters:
00:00 Introduction to Financial Guidance
03:29 Codie's Journey in Finance
06:24 Navigating the Home Buying Process
09:29 Understanding Pre-Approval and Its Importance
12:41 Investment Strategies for First-Time Buyers
15:25 Opportunities for Business Owners
18:29 Future Trends in Financing and Technology
21:41 Personal Insights and Recommendations
Keywords:
smslaw, unconditional, loanmarket, finance, mortgage broker, home buying, first-time buyers, investment strategies, financial guidance, property market, pre-approval, business owners, technology in finance.
1 Aug 2025
Unconditional Guest Interview - Adam Byrne from Design Finance and Wealth
About This Episode:
In this episode of the Unconditional Podcast, we delve into the crucial role of mortgage brokers in navigating the complex world of property finance. Join us as Adam Byrne from Design Finance and Wealth shares his insights on how partnering with a mortgage broker can simplify financial concepts, provide specialised advice, and offer negotiating power.
Who Should Listen:
Whether you're a first-time homebuyer or a seasoned investor, discover how a mortgage broker can help you achieve your property goals with confidence. Tune in to learn more about the benefits of pre-approval, the importance of strategic financial planning, and how to make informed decisions in today's competitive market. Don't miss this opportunity to gain valuable knowledge and take the stress out of securing your dream home.
Takeaways:
• Partnering with a mortgage broker simplifies complex financial concepts.
• Pre-approval is crucial in a competitive property market.
• Understanding conditional approval can expedite the buying process.
• First-time buyers should connect with brokers 12-18 months in advance.
• Accessing equity can fund investment properties effectively.
• Proper loan structuring maximises tax benefits for investors.
• Brokers can assist with more complex investment strategies.
• Collaboration with financial advisors enhances client outcomes.
• Experience in the field leads to better negotiation power.
• A good broker provides access to a variety of lenders and products.
How to Contact Adam:
https://designfinanceandwealth.com.au/ (https://designfinanceandwealth.com.au/)
https://designfinanceandwealth.com.au/contact-us/ (https://designfinanceandwealth.com.au/contact-us/)
Chapters:
00:00 Introduction to Mortgage Broking
01:57 The Role of a Mortgage Broker
03:42 Importance of Pre-Approval
09:50 Understanding Conditional Approval
12:23 When to Connect with a Mortgage Broker
14:16 Accessing Equity for Investment
18:06 Assisting Property Investors and Developers
20:06 The Value of Expertise in Mortgage Broking
Keywords:
mortgage broker, financial advice, pre-approval, property finance, investment properties, equity access, home buying, financial planning, mortgage process, real estate, smslaw, designfinanceandwealth
Leadership and Mindset Coach Arch Downie discusses mindfulness and focus with Craig Mason during property transactions, offering strategies to manage emotions and enhance mindfulness in this interview.
In this episode, Craig and Denise Golding discuss the significant advantages of partnering with a buyer's agent during the property buying process.
Denise shares her journey into the buyer's agency, the importance of due diligence, and how buyer's agents can simplify the experience for clients. They also explore the concept of off-market properties and the critical steps to navigate the unconditional stage of contracts, emphasising the need for thorough preparation and collaboration with professionals in the field.
If you are looking to buy property soon, this is the episode for you. Share it with family and friends who are about to buy their first property, as these tips will help them avoid costly mistakes.
Chapters:
00:00 Introduction to Buyer's Agents
03:42 Denise Golding's Journey in Real Estate
06:44 The Advantages of Using a Buyer's Agent
09:38 Understanding Off-Market Properties
12:47 Navigating the Unconditional Stage of Contracts
15:37 The Role of a Buyer's Agent in the Settlement Process
18:46 Personal Insights and Mantras
21:45 Conclusion and Contact Information
Key Takeaways:
Buyer's agents provide expertise and negotiation skills.
The property market is more sophisticated than ever.
Buyers can save significant time by using a buyer's agent.
Off-market properties offer unique opportunities.
Due diligence is crucial to avoid potential pitfalls.
The buying process should be enjoyable and stress-free.
Collaboration with professionals enhances the buying experience.
Understanding the unconditional stage is vital for buyers.
Personalised service can make a significant difference.
25 Sept 2024
Three Strategies For A Successful Settlement
Today, we'll share three simple but effective strategies for ensuring a successful settlement process.
Whether you're a first-time homebuyer or a seasoned investor, you can learn something new today.
We discuss each strategy to help new buyers and sellers make informed decisions and achieve a successful settlement.
Subscribe to our podcast to never miss an episode, and remember that if you have a property law topic you want to hear discussed, send us a message in the comments here on Spotify or through our Facebook or LinkedIn pages.
https://www.facebook.com/smslawau (https://www.facebook.com/smslawau)
https://www.linkedin.com/company/smslaw/ (https://www.linkedin.com/company/smslaw/)
Remember, the key to a smooth settlement lies in proactive preparation and expert guidance every step of the way.
15 Dec 2023
2023 Season Wrap Up - Show Listener Q & A's
It's a wrap for 2023! In our special listener Q&A episode, we spotlight your property law questions. From advice on buying property off-the-plan to what recent changes or updates are coming in, join us as we dive into a mix of listener questions and share insights in this end-of-year celebration.
Press play and remember to follow the podcast to keep up to date with new episodes!
Facebook: https://www.facebook.com/smslawau
Website: https://www.smslaw.com.au
#smslaw #unconditionalpodcast #conveyancing #propertylaw #queenslandlaw #togetherinbusiness
15 Nov 2023
How to Reach the Unconditional Milestone
Today, our Property Lawyer, Craig Mason shares his top tips on getting your conveyancing through to the unconditional milestone. Whether you are a first-time home buyer, a property investor or interested in learning more about buying and selling property, this episode is for you.
Press play and listen as Craig shares his insights, and remember to follow the podcast to keep up to date with new episodes!
Facebook: https://www.facebook.com/smslawau
Website: https://www.smslaw.com.au
#smslaw #unconditionalpodcast #conveyancing #propertylaw #queensland #togetherinbusiness
In this podcast episode, we had the pleasure of interviewing Richardson & Wrench Caboolture Sales Consultant, Jarrod Willis. Jarrod's expertise and experience can make buying or selling a home stress-free.
Enjoy hearing Jarrod discuss his career history and insights on the changes in the property market from pre-COVID to post-COVID and his favourite parts of working in the property industry.
This podcast episode covers the following topics:
- Three common mistakes made by first-time buyers
- Three common mistakes made by property investor buyers
- Key factors that can affect the future resale value of a property
- How to determine if a property is worth investing in before buying
- Tips for property sellers to reach the unconditional stage of the contract
To listen to his valuable insights, press play and remember to follow the podcast to stay updated on new episodes.
To contact Jarrod, visit the Richardson & Wrench Caboolture website (https://caboolture.randw.com.au/), drop in during business hours, and check out his latest listings at 87 Morayfield Road Caboolture QLD. You can also reach him via phone at (07) 5498 9800 and on his Facebook page ( https://www.facebook.com/JarrodWillisRealEstate/).
#smslaw #richardsonandwrenchcaboolture #property #queensland
17 Apr 2023
Unconditional Guest Interview - Allanah Perry - Conveyancing Manager at SMS Law.
Today we chat with Conveyancing Manager, Allanah Perry about how she got involved in property law, what has been her favourite part about working in the industry and her top 3 tips on getting a conveyancing process through to unconditional.
Press play and listen as Allanah shares her insights and remember to follow the podcast to keep up to date with new episodes!
Facebook: https://www.facebook.com/smslawau
Website: https://www.smslaw.com.au
#smslaw #conveyancing #propertylaw #queensland #togetherinbusiness
6 Mar 2023
Welcome to the Unconditional Podcast. Here is what it's all about!
Welcome to Unconditional, the podcast that takes you on a journey through the property market; whether you're a first-time buyer, a seasoned investor or just curious about the ins and outs of property buying and selling, this is the show for you.
Join us as we explore the latest trends, share expert insights and speak to industry leaders about everything from auctions to settlements and everything in between.
So sit back, relax and let's dive in to the world of property.
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
20,267
Score snapshot 15 Sept 2025
Podcast Authority Score: 25 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
19
Social presence
0
YouTube
76
Engagement
0
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