Welcome to another edition of the Propertybuyer Podcast. I’m Rich Harvey, CEO of Propertybuyer. Today’s guest is someone who’s redefining what great service looks like in the finance world. Joseph Daoud is the Director of It’s Simple Finance, a firm that lives up to its name by stripping away the jargon and complexity to help Australians borrow smarter and live better. Joseph started his career at Macquarie Bank, where he developed a deep understanding of how banks operate—and then used that knowledge to advocate fiercely for his clients. He’s been recognised at the highest level, winning both the MFAA Excellence in Customer Service Award for NSW and for all of Australia. In FY25 alone, Joseph and his team settled over $201 million in loans. And if you need proof of impact—just look at the 100+ five-star Google reviews and the constant stream of glowing feedback from clients. Beyond the business, Joseph is also a proud new dad—bringing a fresh lens to the idea of building long-term wealth, stability and freedom through property.   In this episode, we’re diving into how investors get stuck, smart borrowing strategies for home buyers, overcoming fear of debt, and the latest lending trends you need to know.