In this episode of The Property Nerds, we sit down with Peter and Serena Marriott to unpack how they built a $5.1 million property portfolio across six properties, starting in their late 40s after nearly a nine year gap of doing nothing.

They share the honest reality of what held them back, why “knowing” isn’t the same as acting, and how building the right team changed everything. From going borderless across four states to navigating doubt, timing, finance constraints and market cycles, this conversation breaks down what it really takes to go from your first property to a serious portfolio, without rushing, guessing, or chasing fast money.

If you’ve ever wondered whether it’s “too late” to start, how to invest with confidence, or how to avoid costly first-purchase mistakes, this episode is your reset.

We cover:

1. How Peter & Serena built a $5.1M portfolio (6 properties) starting in their late 40s and why it’s not too late

2. The 9 year gap and the mindset shift that finally got them moving (and what it cost them to wait)

3. The team & strategy that made it repeatable. Going borderless across multiple states, staying aligned as a couple, and balancing “don’t overpay” vs “don’t miss out”

Timestamps:

00:00 - “The hardest part was making ourselves start”

02:12 - From family life to first action: what really changed

04:51 - The 9 year investing gap explained

06:11 - Why most people think they have to do it alone

08:38 - Sitting on equity without realising it

09:19 - From first purchase to serious portfolio momentum

10:30 - Switching teams: what actually matters

12:01 - Regional investing fears and data-led confidence

14:54 - What a good team should never do

16:37 - Diversification across four states

18:24 - Overpaying vs missing out: the real valuation balance

19:17 - Investing as a couple: mindset, risk and communication

22:57 - Going borderless: buying without seeing the property

26:32 - Starting late and investing efficiently

29:41 - Biggest lessons from a $5.1M portfolio

32:50 - Financial habits that made it possible

35:13 - Building wealth for the next generation

37:51 - Consolidation, retirement and what comes next

If you’ve been sitting on the sidelines, waiting for the “perfect time,” this episode is a reminder that education without action changes nothing, but the right strategy, team and mindset can change everything.

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Website: https://fouracrefinancial.com.au/

CONNECT WITH ARJUN:

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

Linkedin: https://www.linkedin.com/in/propertybuyersagent/

CONNECT WITH INVESTORKIT:

Instagram: https://www.instagram.com/investorkit.com.au/

Linkedin: https://www.linkedin.com/company/investorkit/

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

This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/