Wealth Coffee Chats

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Looking for a daily update on creating the wealth of your dreams? Do you want property investment explained in a simple language? Do you want to learn it whilst sipping on your coffee? Then you’re in the right place! Join me for a daily coffee and chat about all things wealth. With a strong focus on real estate wealth, you’ll cut through the confusion and overwhelm that stops most people in their investment tracks. For the live edition of the episode, where I can answer your questions live, join me on Facebook

Jason Whitton


    • Oct 1, 2025 LATEST EPISODE
    • weekdays NEW EPISODES
    • 18m AVG DURATION
    • 914 EPISODES


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    Latest episodes from Wealth Coffee Chats

    Keep safe by organising these 3 key items prior to handover

    Play Episode Listen Later Oct 1, 2025 11:49


    How to Outperform the Property Market (Using These Micro Metrics)

    Play Episode Listen Later Sep 28, 2025 21:38


    Want to beat the market—not just ride it? In this episode of Wealth Coffee Chats, James Venton dives into the micro metrics that can give savvy investors the edge. Learn how to go beyond macro trends like population and infrastructure and zero in on suburb-level data like rental yield gaps, days on market, discounting, and owner-occupier ratios. Whether you're investing in Melbourne, Brisbane, or anywhere else, these are the numbers that reveal real opportunities. If outperforming the market is your goal, this one's a must-watch.

    100% Home Loans Are Back: A Game-Changer or a Risky Move?

    Play Episode Listen Later Sep 26, 2025 15:06


    Yes, you heard right—100% (and even 105%) home loans are making a comeback. In today's Finance Friday episode of Wealth Coffee Chats, we break down what this means for first-time buyers and investors alike. Learn how these high-LVR loans work, the risks involved, and why a step-by-step refinance strategy is critical for long-term success. Plus, discover an innovative construction loan option with no repayments for 12 months that could ease the burden of building your dream home. This episode is all about accessing the market sooner—without sacrificing your future.

    Your Super Returns Aren't Just “Good” or “Bad”—Here's What Actually Matters

    Play Episode Listen Later Sep 25, 2025 16:25


    “My super did well this year!” But did it really? In today's Financial Planning Thursday, Alex breaks down one of the most misunderstood areas in wealth building—how to actually evaluate your superannuation performance. Learn the truth about what's inside your super, how risk tolerance shapes returns, and why most people don't even know what they're invested in. Plus, we explore how inflation, asset allocation, and age-based strategies all play a role in making your super work harder.

    How One Landlord Lost $5.5K Chasing Cheap Property Management Fees

    Play Episode Listen Later Sep 24, 2025 15:26


    Think choosing the cheapest property manager is a smart move? Think again. In this eye-opening Wealth Coffee Chat, Cass Charleston shares a real story of a landlord who lost over $5,500 in rental income after selecting an agent based on the lowest management fee. Discover what questions you should be asking your property manager—and why your future rental income depends on more than just the percentage on paper. This one's a must-watch for every investor looking to protect their cash flow.

    GST and Property: The Hidden Costs That Could Kill Your Deal

    Play Episode Listen Later Sep 23, 2025 8:49


    GST isn't just a business owner's problem—if you're developing, subdividing, or buying commercial property, it could hit your bottom line hard. In this Tax Tuesday Wealth Coffee Chat, Daniel MacPherson breaks down when GST applies, how to use the margin scheme to save thousands, and what investors need to know about the “going concern” exemption on commercial properties. Don't let GST turn your next deal into a disaster—get smart before you sign.

    property hidden costs gst daniel macpherson
    From Debt to Property Investor: How This Couple Turned It All Around in 8 Months

    Play Episode Listen Later Sep 22, 2025 16:33


    Meet “Jane and John,” a real couple in their 40s who were drowning in credit card debt, stuck in financial stress, and fearful of investing—until they took one courageous step toward financial freedom. In today's Wealth Coffee Chat, Courtney Sigudu shares their full journey from debt consolidation and budgeting to building a property investment strategy. Learn how mindset shifts, money story rewrites, and disciplined action helped them break free from paycheck-to-paycheck living and finally move toward passive income. Real talk, real results.

    When should you start and how long should it take?

    Play Episode Listen Later Sep 19, 2025 15:16


    WCC Financial Planning

    Play Episode Listen Later Sep 18, 2025 18:09


    What Landlords Need to Know When the Agent Says ‘We Won't Charge Marketing

    Play Episode Listen Later Sep 17, 2025 13:43


    Low Deposit Investors! Part 2

    Play Episode Listen Later Sep 15, 2025 18:35


    Low Deposit Lending Hacks: How to Compete with First Home Buyers in 2025

    Play Episode Listen Later Sep 11, 2025 13:30


    With major changes to first home buyer rules coming into effect from October 1, investor competition is heating up in the $900K–$1M market. In today's episode of Wealth Coffee Chats, Chris Foster Ramsey from the Positive Money team unpacks how investors can still get into the market—even with low deposits. He covers the latest on LMI waivers, high LVR strategies, and emerging lenders like OwnHome offering new pathways to property. If you're on the edge of being able to do a deal but short on cash, this one's essential viewing.

    How denying a pet could extend your vacancy

    Play Episode Listen Later Sep 10, 2025 12:46


    How denying a pet could extend your vacancy. What would you do?

    Main Residence Exemption

    Play Episode Listen Later Sep 9, 2025 12:11


    What you need to know! Lets Wealth Coffee Chat!

    You can't out save the speed of the market

    Play Episode Listen Later Sep 8, 2025 12:24


    What is the cost of sitting on your hands "Waiting for the right time"

    The Long Game: Why Persistence Pays in Lending

    Play Episode Listen Later Sep 4, 2025 9:16


    Vacate Day Disasters: How Smart Investors Protect Their Property and Cash Flow

    Play Episode Listen Later Sep 3, 2025 14:58


    What happens when your tenant vacates and leaves behind unpaid rent, property damage, and a big mess? In today's Wealth Coffee Chat, Cass shares a real-world vacate day disaster and the exact 4-step process smart investors follow to safeguard their returns. Learn how to handle bond claims, engage trades quickly, and make strategic landlord insurance claims that actually pay out. A must-watch for any property investor in the holding phase.

    From Fear to First Investment: How This Couple Transformed Their Financial Future

    Play Episode Listen Later Sep 1, 2025 11:53


    In this inspiring Wealth Coffee Chat, we share a powerful client success story about a couple who overcame fear of debt and got serious about building their financial future. With the help of the Positive Real Estate team, they went from paying down their home loan to securing their first investment property—at a 36% discount. Learn how clarity, coaching, and action can turn uncertainty into opportunity.

    Massive Changes to First Home Buyer Scheme: What You Need to Know Before October

    Play Episode Listen Later Aug 28, 2025 9:36


    Big news for first home buyers! In this Friday Finance edition of Wealth Coffee Chats, we break down the major changes to the 5% Deposit Scheme—effective from 1 October. With income caps removed, place limits scrapped, and property price thresholds raised, getting into your first home just got easier. But what does this mean for future price growth, mortgage conditions, and long-term strategy? We cover all the key takeaways you need to know.

    Inflation Update: What the Latest CPI Numbers Mean for Your Investment Strategy

    Play Episode Listen Later Aug 28, 2025 17:57


    Today on Wealth Coffee Chats, Alex from Positive Real Estate's Financial Planning Team breaks down the latest inflation (CPI) figures and what they really mean for property investors. With inflation coming in hotter than expected, Alex explores the impact on interest rates, consumer spending, and how company earnings like Endeavour Group can be early indicators of economic shifts. Plus, find out how these numbers could influence your property portfolio and why diversification remains critical in uncertain times.

    This $10,000 Mistake: Why Using Your Offset Account Can Ruin Your Tax Strategy

    Play Episode Listen Later Aug 26, 2025 7:46


    In this Tax Tuesday edition of Wealth Coffee Chats, Anthony Wolfenden shares a real-life case study of how one simple mistake cost a property investor $10,000 per year in lost tax benefits. By using money from their offset account instead of structuring finance correctly, the investor unknowingly destroyed the tax deductibility of their home loan. Learn the golden rule of using equity for investment, why loan purpose matters more than loan balance, and how to avoid costly mistakes when borrowing for property.

    How to Find Capital Growth Hotspots in 2025: Macro, Micro & Niche Factors Explained

    Play Episode Listen Later Aug 24, 2025 9:20


    Want to know where real capital growth is coming from in today's market? In this Wealth Coffee Chat, coach Megan Wolfenden breaks down the three key layers to identifying capital growth opportunities — macro trends, micro indicators, and niche market insights. From migration patterns to infrastructure spend and employment hubs, learn how to filter out average areas and focus on the ones set to outperform. It's not just about buying property — it's about buying smart, for long-term wealth.

    Refinance Smart: 4 Steps to Secure a Better Home Loan Rate in 2025

    Play Episode Listen Later Aug 22, 2025 13:49


    If your lender hasn't dropped your interest rate yet, it might be time to make a move. In this Wealth Coffee Chat, we break down four powerful steps to negotiate a better rate with your current lender — and what to do if they won't play ball. Discover how to assess your options, unlock potential borrowing capacity, and why annual loan reviews are a must for building long-term wealth. Whether you're refinancing to save money, access equity, or reposition your finances, this one's for you.

    Interest Rates Just Dropped - Here's What It Really Means for Property Investors

    Play Episode Listen Later Aug 21, 2025 18:59


    Interest rates have been cut again – but what does that actually mean for you as a property investor? In today's Wealth Coffee Chat, Alex from the financial planning team breaks down the latest RBA statement, reveals key indicators to watch, and explains how changes in monetary policy impact borrowing, cash flow, and long-term investing strategy. If you want to make smarter decisions with your property portfolio, this is one to watch.

    The One Mistake That Could Cost Queensland Sellers Hundreds of Thousands

    Play Episode Listen Later Aug 20, 2025 14:01


    In today's Wealth Coffee Chat, Cass reveals a critical regulatory update affecting all Queensland property sellers: the new Seller Disclosure Statement requirements under the 2023 Property Law Act. This one overlooked detail could derail your sale and cost you big if you're not prepared. Discover what documents are required, why timing is everything, and how to avoid costly delays. If you're thinking of selling in QLD, this is essential viewing.

    Are Pre-Approvals Worth It? What Every Borrower Needs to Know

    Play Episode Listen Later Aug 15, 2025 14:18


    In this episode of Wealth Coffee Chats, we break down the truth about pre-approvals—what they actually mean, how they affect your borrowing power, and the common mistakes to avoid. Learn how rate cuts, conditional approvals, and lender tech are changing the game for property buyers. Plus, find out what really matters before bidding at auction or locking in a deal.

    Has your borrowing power increased in 2025?

    Play Episode Listen Later Aug 8, 2025 13:33


    Why Financial Strategies Need a Regular Service Too

    Play Episode Listen Later Aug 7, 2025 18:58


    Crucial mistake landlords make when trying to navigate lease expiries

    Play Episode Listen Later Aug 6, 2025 16:25


    Payroll Variation

    Play Episode Listen Later Aug 5, 2025 8:44


    Why Interest Rate Cuts Aren't Everything: Strategy Matters More

    Play Episode Listen Later Aug 1, 2025 15:24


    In this Finance Friday episode, we break down why a rate cut doesn't always lead to lower repayments—and what you can do about it. Discover the simple steps to negotiate better loan terms, regardless of what the RBA does. We also dive into how to prioritise your financial goals to build a smarter lending strategy, whether you're investing, upgrading your home, or buying a business.

    Property Investment Structures: What Every Investor Should Know

    Play Episode Listen Later Jul 31, 2025 20:50


    In this Property Management edition of Wealth Coffee Chats, we unpack the risks of rent bidding and why compliance with rental legislation is non-negotiable. With over 50 property management groups already fined in Victoria, Cass highlights how failing to advertise fixed rental prices can lead to major penalties and unnecessary vacancies. Tune in to learn how professional property managers can protect landlords, reduce risk, and maximise long-term rental income through smart leasing strategies and legal compliance.

    How 4 Property Managers landed their clients in strife with Consumer Affairs!

    Play Episode Listen Later Jul 29, 2025 13:59


    Will Rate Cuts Boost Your Borrowing Power? APRA's Servicing Buffer & Investor Strategy Tips

    Play Episode Listen Later Jul 25, 2025 10:35


    Today's Wealth Coffee Chat dives into the RBA's recent decision to hold interest rates and APRA's review of the 3% servicing buffer—and what it all means for your borrowing capacity. Learn why your ability to borrow isn't just about current rates, but about how you plan, structure, and prepare for future lending opportunities. Plus, discover the conversations you should be having with your broker to unlock your next property purchase sooner.

    What Coldplay Teaches Us About Investment Risk: From Paradise to Disaster

    Play Episode Listen Later Jul 24, 2025 18:43


    What does a viral Coldplay concert moment have to do with your investment strategy? A lot more than you'd think. In today's Wealth Coffee Chat, Alex from the financial planning team uses a real-world example to explain why protecting your income and investment journey is just as important as building wealth. Discover the role of insurance, risk planning, and how to avoid financial disaster if life throws you a curveball. It's the conversation most investors avoid—but can't afford to miss.

    What's Really Happening with Rental Growth in 2025? Live Data & Suburb Insights Revealed

    Play Episode Listen Later Jul 23, 2025 15:31


    Confused about what's really happening in today's rental market? In this episode, Cass dives into live rental data and market insights from Domain's June 2025 report to uncover where rents are rising, which suburbs are seeing the most growth, and how vacancy rates are shaping property investor strategy. With year-on-year gains still strong in Brisbane, Melbourne and key outer suburbs, you'll learn how to assess your own property's performance and what to expect next. If you want clarity around rents, cash flow, and future investment moves, this is for you.

    Should You Buy Property with Friends or Family? Unit Trusts & Syndicate Investing Explained

    Play Episode Listen Later Jul 22, 2025 20:44


    Thinking about pooling funds to invest in property with others? In today's episode, we unpack the increasingly popular strategy of syndicated investing—buying property as a group through structures like unit trusts. Discover how this approach gives you access to higher-value assets, reduces risk, and can even simplify succession planning. We also break down unit trust pros and cons, tax implications, and how to avoid common legal and relationship pitfalls. If you've ever thought about co-investing, this one's a must-watch.

    Demystifying First Home Buyers Benefits

    Play Episode Listen Later Jul 18, 2025 14:22


    The One Money Move 90% of Aussies Regret Not Making Sooner

    Play Episode Listen Later Jul 17, 2025 20:13


    Selling a Property with a Fixed Lease

    Play Episode Listen Later Jul 15, 2025 16:54


    Crisis Proof Your Business

    Play Episode Listen Later Jul 15, 2025 15:52


    What is rentvesting?

    Play Episode Listen Later Jul 11, 2025 11:26


    How Advice Helped Them Buy a Home

    Play Episode Listen Later Jul 10, 2025 19:15


    In today's Wealth Coffee Chat, Alex shares a real-life story of how strategic financial advice helped a young couple navigate conflicting goals, overcome investment setbacks and secure their family home. This episode reveals what a financial adviser actually does—from creating decision-making clarity to helping you balance lifestyle vs tax outcomes and future investment planning. A must-watch for anyone feeling stuck in indecision.

    How to Be a Top Landlord: Landlordship, Tenant Profiles, Pro Strategies for Lasting Property Success

    Play Episode Listen Later Jul 9, 2025 15:19


    In today's Wealth Coffee Chat, Cass dives deep into what it means to be a great landlord—ditching the “slumlord” mindset and mastering ‘landlordship'. Discover the key differences between ‘have' and ‘have not' tenants, why 50% of investors sell too soon, and the practical tips to extend your property's holding phase for greater wealth. Cass shares insights from Sam Saggers' “The Australian Property Game” and reveals the critical roles of price, presentation, promotion, and proactive property management in building a resilient, income-producing portfolio. Tune in for actionable strategies to minimise stress, boost returns, and invest with confidence alongside Positive Real Estate's six star team.

    FY26 has started - WHat next?

    Play Episode Listen Later Jul 8, 2025 9:17


    How to prepare for your next investment?

    Play Episode Listen Later Jul 4, 2025 8:31


    Get ready for the 2026 financial year

    Play Episode Listen Later Jul 2, 2025 15:30


    Lease Agreement Pitfalls: Real-Life Case of Missing Terms and Unauthorized Subletting

    Play Episode Listen Later Jul 2, 2025 18:15


    Tax Changes Are Here: What Investors Must Do in FY26

    Play Episode Listen Later Jul 1, 2025 9:39


    In this punchy FY26 kickoff episode, Daniel McPherson outlines why investors, business owners, and wealth builders must take action now. With the Labor government's majority unlocking bold tax reforms—think super tax hikes, trust crackdown, Div 7A changes and more—it's time to re-evaluate your strategies. Learn the three critical tax levers (personal, structural, super) and how to use them to stay compliant, optimise tax outcomes, and build resilient wealth.

    When it come to loans why so many documents?

    Play Episode Listen Later Jun 26, 2025 9:44


    Fun things to Come before the EOFY

    Play Episode Listen Later Jun 26, 2025 18:36


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