EP 036: How the Mortgage Broker Invests His Money With Aaron Whybrow

In my teens, I dated a girl whose family owned a restaurant.

As a growing teenager who spent a lot of time in the gym… this was a dream come true.

I would often do a massive workout on a Friday evening before heading into the restaurant and testing the capacity of my stomach.

Anyhow, I spent a fair amount of time at the restaurant and got to know the staff.

And there was one thing I always found interesting…

The staff and chef never ate the same food that people in the restaurant ate.

I used to think it must have been because they have eaten the same items on the menu so many times that they are just over it.

Then I realised… it wasn’t that at all!

It was because they knew what produce was the best.

They knew what deliveries had just come in.

They had the inside knowledge because they worked in the kitchen.

If the fish was fresh and looked good, they ate it.

If the new season of a specific vegetable was starting, they ate those.

Having insider knowledge was key.
And this doesn’t just apply to food.

It applies to a lot of industries.

How the people who work inside an industry behave is often very different from those who don’t.

Applying this same principle to wealth building is like paying attention to how the professionals are investing their own money.

That’s exactly why I have brought on Aaron Whybrow to this week’s podcast and am sharing the insights.

(Make sure you check out the podcast for more detailed insights.)

As Aaron is a mortgage broker, he knows the rules of lending better than the average bear.

So, how does he invest with this advantage?
And, what is he doing that we are not?

Let’s jump in to find out.

Please also note that this episode is not financial advice.
We are just exploring what others are doing.

Always speak to a professional before acting on anything you learn from the Business and Investing brand.

In this week’s episode:
○ How the broker invests his own $$$

Prefer to listen or watch?

You can hear Grant and I discuss these topics in more detail on the podcast.
Click here to tune in: https://linktr.ee/businessandinvestingcom



How the broker invests his own $$$

Is it any real surprise that the mortgage broker invests in property himself?

I would have been shocked if he didn’t…

However what did catch me by surprise is the strategies he has used to build his portfolio.

He has utilised much more advanced strategies than most investors use.

Let’s take a look at a few of the strategies he is using.

Please note if you are inspired by any of these strategies please speak to professionals who know what they are doing before acting on it! 

1) SMSF (Super)
A topic that is often spoken about in property circles.

Borrowing money in super (SMSF) is harder than borrowing money outside of it.

This is due to a large amount of compliance and a lot of hoops that you have to jump through.

Many investors just don’t do it because of the complexity and time.
(myself included)

Anyhow, this is where Aaron’s advanced borrowing knowledge has been a huge advantage.

He has been able to successfully buy property in his SMSF.

2) NDIS Housing.

NDIS housing is a government incentive scheme.

Here is how it works:

The investor buys an NDIS suitable property and rents it out to someone who fits the NDIS criteria at a discount on the market rate.

Yes, the investor intentionally takes a loss on the rent.

The government then incentivises the investor with significant tax credits to make up for that loss, plus a little extra.

This helps people with disabilities get into suitable accommodation.

The investor gets a win with the tax credits.

And, the government gets a win as they don’t need to build additional housing for people with disability needs.

Aaron was able to purchase a property in WA under this scheme and take advantage of the significant cashflow that came from the property after tax.

Please note that the NDIS incentives have changed over the years and vary by state.

Make sure you know the numbers and policy very well and speak to NDIS experts if you are considering this.

3) Untitled Land
Think of this as buying land “off the plan” before it’s ready for titling.

You might have driven past a massive paddock of land that is being cut up by big machinery.

What you might not be aware of is that that land is for sale often years before being ready to build on. 

…or even years before having a road to drive on to get to it.

The real question is:
Why would an investor consider buying land off the plan?

It has a couple of distinct advantages.

(1) Stamp duty savings.
When you buy land off the plan you only pay stamp duty on the land as there is no house on it… yet!

(2) Build the type of dwelling that fits your needs.
Sometimes you might want to own a specific type of dwelling in an area.

Maybe an investor wants a 5 bedroom house in a particular location because there are none available.

And, building it might be the only option for the investor to get the asset they want.

Aaron was able to buy untitled land in NSW.
It did take more than a year for the land to be titled and he is now assessing when to develop on it.

From what I hear, Aaron has future plans to build a duplex on it.


Well, there you have it.
Some not-so-common strategies that Aaron used to build out his property portfolio.

I learnt a lot from the conversation with Aaron

And it was a huge reminder on how many different ways there are to play the game of property.

If you would like to hear Aarons full investment journey tune into the podcast.

He goes much deeper into the details of when he bought and what order he bought them in.

That’s it for me on this one.

All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Episode Highlights:

00:00 Welcome to Business and Investing
01:13 Get to know Aaron Whybrow
05:30 Aaron’s investment goal
10:07 Why and how Aaron decided to take on property investing
14:27 Aaron’s first investment
22:28 Selling his first property
26:06 Buying properties using the NDIS scheme and Super funds
34:32 Purchasing land “off the plan”
41:33 Aaron’s biggest lesson from his investment journey
46:01 Getting started on wealth building

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!



Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.

Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.

He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients. 

Connect with Aaron and his team through our Partners page: https://businessandinvesting.com/partners/

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