Estate planning is one of the most important — and most delayed — parts of building long‑term wealth.

In this episode of Property Investing Roadmap, host Damian Collins explores how investors can protect what they’ve worked hard to build and ensure their wealth continues to benefit their family for generations to come.

Prompted by a listener question, Damian is joined by Jemma Sanderson, Head of Self‑Managed Superannuation Funds & Succession at Cooper Partners Financial Services, to unpack estate planning beyond “just having a will”.

With more than 25 years’ experience advising high‑net‑worth families, business owners and property investors, Gemma explains how estate planning intersects with superannuation, trusts, companies and property structures — and why misunderstanding control can lead to unintended (and sometimes devastating) outcomes.

This episode covers the practical realities of succession, control, incapacity and wealth transfer — and why estate planning is about clarity, not pessimism.

What you’ll learn:

• Why estate planning is more than just writing a will
• How estate planning fits into long‑term property and wealth strategies
• The difference between asset ownership and asset control
• Why trusts, companies and SMSFs don’t automatically pass through your will
• What happens to superannuation when you die
• Who can legally receive superannuation death benefits
• How trustee discretion can lead to disputes
• Why joint tenancy property bypasses your will
• Why outdated wills often fail investors
• What testamentary trusts are and how they work
• Tax benefits of distributing income to minor beneficiaries
• Asset protection advantages of testamentary trusts
• Why advanced health directives reduce family conflict

FREE RESOURCE

Want help building a diversified property portfolio aligned to your goals?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long‑term performance in mind.
Investor Pack - Momentum Wealth

FOLLOW US

Instagram:
https://www.instagram.com/momentumwealth/

Website:
https://www.momentumwealth.com.au

LinkedIn:
https://linkedin.com/company/momentum-wealth

SUPPORT FOR INVESTORS

Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/

T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional legal, tax and financial advice.
This episode’s guest is a representative of Cooper Partners Financial Services.

With lending rules constantly evolving, many buyers and investors are left wondering whether they can still move forward — or whether finance is now off the table altogether.

In this episode of Property Investing Roadmap, host Damian Collins breaks down what’s really happening in the lending landscape and what today’s changes mean for borrowers looking to buy, invest or refinance.

Driven by a listener question around borrowing through trusts and companies, Damian is joined by Max Miorada, Senior Credit Advisor at Momentum Wealth and one of Australia’s top 1% mortgage brokers by volume.

With more than $112 million in loans settled last year alone, Max brings frontline insight into how lenders are currently assessing borrowers, how debt‑to‑income ratios are applied, and why structure matters more than ever in today’s market.

This episode strips back the media noise to explain how lending actually works behind the scenes — and how investors can position themselves to keep moving forward despite tighter conditions.

What you’ll learn:

• How the lending landscape has changed over recent years
• Whether borrowing through a trust or company is still possible
• Why lenders assess trusts and companies differently to individuals
• How negative gearing works — and why it’s often lost inside entities
• The real impact entity lending can have on borrowing capacity
• When trusts can make sense — and when they can block portfolio growth
• The difference between tax efficiency and borrowing efficiency
• Why structure should be decided before buying property
• How debt‑to‑income (DTI) ratios are calculated by lenders
• Why actual cash flow and bank serviceability often don’t align
• Differences between major banks, non‑banks and private lenders
• How interest rate buffers affect borrowing — even on fixed loans
• The pros and cons of fixing versus staying variable
• How offset accounts work and why investors should use them
• How lenders assess self‑employed income
• Why timing matters when changing employment status
• What successful investors do differently when finance becomes tight

FREE RESOURCE

Confused by lending changes and borrowing limits?
Learn how Momentum Wealth helps investors structure debt, maximise borrowing capacity and navigate changing bank policies with confidence.
👉 Insert relevant guide or blog link here

FOLLOW US

Instagram:
https://www.instagram.com/momentumwealth/

Website:
https://www.momentumwealth.com.au

LinkedIn:
https://linkedin.com/company/momentum-wealth

SUPPORT FOR INVESTORS

Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/

T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guest is a representative of Momentum Wealth Finance.

Buying property through a self‑managed super fund can be powerful — or disastrous — depending on how (and why) it’s done.

In this episode of Property Investing Roadmap, host Damian Collins unpacks one of the most complex and misunderstood strategies investors consider: holding property inside a self‑managed super fund (SMSF).

Guided by a listener question, Damian is joined by Katie Timms, National Director of Superannuation & SMSF Services at RSM Australia, to break down when this strategy works, when it doesn’t, and what investors must understand before taking the plunge.

With decades of experience advising SMSF clients across residential, commercial and fund‑based property, Katie explains the rules, risks, structures and compliance obligations that many investors only discover after it’s too late.

This episode cuts through the hype to explain how SMSFs really work, why mistakes are so costly, and how property can (or can’t) fit into a long‑term retirement strategy.

What you’ll learn:

• What a self‑managed super fund is — and why control is both a benefit and a burden
• The key pros and cons of investing through an SMSF
• Why SMSFs are the most heavily regulated investment structure in Australia
• Annual compliance, audit and valuation obligations investors must meet
• The sole purpose test — and why holiday homes and personal use are strictly off‑limits
• Why arm’s‑length terms, market rent and formal leases are critical
• How limited recourse borrowing arrangements (LRBAs) work
• The role of bare trusts and why structure must be set up before you buy
• How SMSF rules differ for residential versus commercial property
• Common (and costly) mistakes investors make with SMSFs

Why SMSFs are not “the next step” for everyone

FREE RESOURCE

Want help building a diversified property portfolio aligned to your goals?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long‑term performance in mind.
Investor Pack - Momentum Wealth

FOLLOW US

Instagram:
https://www.instagram.com/momentumwealth/

Website:
https://www.momentumwealth.com.au

LinkedIn:
https://linkedin.com/company/momentum-wealth

SUPPORT FOR INVESTORS

Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/

T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guest is a representative of RSM Australia. References to SMSFs are general in nature and do not constitute personal financial advice.