Margaret Lomas is one of the most respected and influential voices in Australian property investing. As the bestselling author of nine books and founder of Destiny Financial Solutions, she’s spent over two decades educating everyday investors and challenging industry spruikers.

In this episode, Margaret shares how she built a property portfolio from the ground up starting at nearly 40 and why beginners need to ignore the noise and focus on strategy. We dive into how to find and balance cash flow and capital growth, why market timing matters more than people admit, and how to spot red flags in flashy property deals and “free” advice.

Episode Takeaways:

✅You don’t need to choose between cash flow and capital growth
✅Margaret’s “20 Must-Ask Questions” framework for better investing
✅Emotional decisions destroy good investments
✅Regional areas can work but require timing & skill
✅Spruikers are everywhere giving “free” advice
✅Passive income comes later

Meet Margaret Lomas

Margaret Lomas is one of Australia’s most respected property investment experts, with over three decades of experience and a portfolio of more than 35 investment properties. She is the founder of Destiny Financial Solutions and the bestselling author of nine property investment books. Margaret is a passionate advocate for ethical advice in the industry, having co-founded the Property Investment Professionals of Australia (PIPA). A sought-after speaker and media commentator, she has also hosted several property-focused TV shows and podcasts. Margaret is dedicated to educating investors and empowering them with the tools to make informed, independent property decisions.

Meet The Property Twins

The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

Depreciation might not sound exciting until you realise how much money it’s leaving on the table for everyday investors. In this episode, we’re joined by Scott Brunsdon, co-founder of Depreciator and one of the first in Australia to specialise solely in tax depreciation schedules.

We dive into what depreciation actually is, why so many investors and even accountants overlook it, and how one schedule can mean thousands in extra cash flow year after year. Scott breaks down how to claim on renovations, when a schedule is worth doing, and why not all providers are created equal.

Whether you own one property or ten, this episode is packed with simple, actionable insights that could seriously improve your return.

Episode Takeaways:

✅ Depreciation isn’t just for new builds. Renovations, even those done by previous owners, can unlock thousands in tax savings.
✅ Most investors are leaving money on the table. A simple depreciation schedule could improve cash flow by $2,000 or more each year.
✅ Cheap isn’t always smart. Using an experienced provider matters because if your schedule is wrong, you’re the one the ATO holds accountable.

Meet Scott Brunsdon

Scott Brunsdon is the General Manager of Depreciator, a leading Australian firm specialising in tax depreciation schedules for property investors. With a background in marketing and firsthand experience as a property investor, he has been instrumental in transforming Depreciator into a client-focused depreciation specialist. Brunsdon is passionate about simplifying the depreciation process and educating investors on maximising tax benefits, often speaking at seminars and contributing to industry discussions.

Meet The Property Twins

The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

“Property investment is not just about data—it’s about building a narrative that makes sense for your goals. There’s a difference between just looking at numbers and actually understanding what they mean in the context of market cycles. Too many investors chase growth without understanding the fundamentals behind it.” - Mat Djolic

Episode Takeaways:

✅Data plays a crucial role in eliminating opportunity costs by helping investors make informed decisions based on growth patterns and market cycles.
✅Understanding property investment requires more than just looking at numbers; interpreting trends and aligning them with investor goals is key.
✅AI and analytics tools are transforming property investing, but they cannot replace human expertise in execution and decision-making.

Meet Mat Djolic

Matija (Mat) Djolic is a Co-Founder of HTAG Analytics, one of Australia's leading proptech platforms. As an accomplished author and seasoned data analytics coach, Mat has empowered over 2,000 investors and buyer agents with his insights and strategies over the past five years of running HTAG. Holding a PhD in Organisational Psychology, Mat possesses a deep expertise in the collection and analysis of both qualitative and quantitative data, making him a sought-after authority in the field of data-driven property investing.

Meet The Property Twins

The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.