Raj Sarin - Buyers Advocate - Equity Finance Solutions

25/03/2026

Most Australians think they have a borrowing problem. They don’t.

They have a structuring problem.

Two clients can earn the same income, have the same deposit, go to the same bank… and end up with completely different outcomes.

Why?

Because one has their loans structured correctly from day one. The other doesn’t.

We regularly see clients come to us “maxed out” after 1 or 2 properties, only to unlock capacity to buy 2 or 3 more with the right approach.

It’s not just about earning more. It’s about using what you already have more intelligently.

If you’ve been told you’ve hit your limit, it’s worth a second opinion.

I run a national Buyer's Agency, AND we also have a level of knowledge and expertise in the finance industry that allows us to structure correctly, create portfolio plans, help you navigate life.

11/02/2026

Median house prices across Australia $1M is the new $500k

07/02/2026

Sharing my journey, I’ve done it slow and steady, no rush moves, calculated risk and strategy at the highest level. We are now buying another $4M of property before EOFY.

No silver spoon, no guarantors, no gifts from family, just the old school way saving $ for the first deposit with my wife.

We were on $90k combined income. Not wealthy, not poor, pretty happy, and young.

I’ve just turned 40. For most of my life I earned a basic salary. Nothing special. Worked hard, battled like everyone else. Paid for crap advice. Made mistakes. Figured it out. Kept battling. Never gave up. Burned the boats. Backed myself.

It’s not easy, it takes courage, and ability to mitigate risk.

Today, I play a different game. It’s taken 15 years, hasn’t happened overnight.

Do you know what $16M compounds to over 20 years at 7% per annum growth? ——> $62 Million. And I’ll be 60. That’s if I don’t buy any more property (which I will).

That’s over $3 Million of passive income in retirement… per year. I could retire much sooner, in as little as 5-10 years.

In a way I’m already living my ideal life. That’s the power of starting early….just starting.

The portfolio could be $100M with the right key moves, or if the growth rate is closer to 10% instead of 7%

If I can do it, I can show you how, without the mistakes I made, and time I spent learning. You can change your life and your families life.

You just need to have the courage to take action. Else another year of “I should have done something” will pass you by.

From Life at Sea to a $12M Property Portfolio! Ever wondered what growing up on a container ship can teach you about property investing?In this episode, Todd...

23/01/2026

Will you price match your fee?

I get asked that every week.

The answer, always No.

We aren’t the cheapest Buyers Agency out there, we also aren’t the most expensive, we have priced ourselves competitively.

We are also one of the most experienced and strategic in the market. When things go awry we know how to navigate. Truly, if it were me, I don’t trust anyone more than my own team.

How long has your BA been a BA? Most are less than 5 years in, some are part time doing other jobs 😂 this is not a part time gig.

We were interested in this property in Geelong. Excellent suburb, quiet street, lovely 4x2x2 nice block, recent renovation.

Owner wanted $730k-$760k and would not accept any less than $750k the agent said. We saw value up to $720k max.

We have bought in the area, walked the street, been to the local shops and cafes, interviewed property managers and attended frenzied opens. Know that families are moving in droves and it’s super affordable for locals.

We negotiated it for over a week, including the weekend, exclusively. Showed the vendor our comparable sales, what had bought and sold.

They offered it to us for $730k again no.

More negotiation.

Eventually we bought it for $710,600.

$39,400 less than the vendors were adamant on.

A novice Buyers Agent would have paid more - likely $20-30k more than us. The Sales Agent is a pro, hundreds of sales, recognised who we were.

The same Buyers Agent that would have dropped his fee by $1-$2k to “win” your business would have cost you $20-30k on the buy. Happens all the time.

We have never and will never do that. Our value to you is many multiples of what we charge as a professional service.

We aren’t for everyone, we can’t please you if you sleep well saving $1k, but if you value saving big $, doing thorough due diligence, buying the right asset in the right location, the advice from me personally not someone with 5 years or less experience, the finance strategy, growing to a $10M+ portfolio, retiring early, quitting the rat race, providing for your family, a sound strategy, then call me. 🤙

Every single one of our clients have made $150-200k+ in a year, across the last 3 years. Many over $500k and a few over $1M in 5 years. Every one of those purchases hand picked.

Why? We buy 5 properties a month. That’s why. Not 10 a week.

No one knows what’s going on with that sort of scale, and you are just a number.

Want to work with someone who really cares about you and your families future? Not just a sales gun or a marketing guru? I’m none of those, and I’ll beat any BA you know at strategy.

Slip into my DM’s and let’s have a confidential chat about where you’re at.

Raj

02/01/2026

29/11/2025

More fuel to an already raging fire. 40 Year Mortgages are here! With a big 4 Bank trialling them out, how can you use this to your advantage? * increase in borrowing power * lower mortgage repayments * Paired with a 10% deposit and no LMIIt’s a powerful combo if you know how.Listen to the full podcast with myself and Todd Sloan from Pizza and Property.

26/11/2025

Could a 40-Year mortgage boost your borrowing capacity? Or will it cause a property BOOM? How can you benefit?

How New Massive Mortgages Will Impact Australian Property Are 40 year mortgages the secret to finally getting into the property market or just a risky new tr...

19/11/2025

So you are thinking about investing in property.

However, life, it’s so busy, so many things to do, Christmas around the corner.

Let’s just revisit when we have some more time in January when we are back. Right? Wrong.

Big MISTAKE. That will cost you $30k
You will be paying $30k more for the same property in January instead of in November. Funny thing is anything purchased now is a January settlement anyway!

The markets are already doing that, and there is no reason for it to slow down.

They are building enough new houses friends!

Now imagine you are on a tight budget already, your window Is about to close. You will be priced out. What on earth is going to make you $30k between acting now or in January. Inaction is expensive.

01/11/2025

Trust lending and Macquarie