Wealth Coffee Chats

In this Wealth Coffee Chats episode, Anthony Wolfenden, Tax Financial Advisor at Positive Tax Solutions, breaks down one of the most misunderstood areas in Australian property taxation — the Principal Place of Residence (PPR) capital gains tax (CGT) exemption and how it changes when you move overseas. Using clear real-world examples, Anthony explains how the six-year rule can protect your tax-free gains — and how easily it can disappear if you become a non-resident at the time of sale. He walks through three scenarios showing how homeowners can either keep 100% of their profits or lose hundreds of thousands in tax simply based on residency status. From the impact of the 50% CGT discount to what really triggers a taxable event, this episode is a must-listen for any Australian property owner working or living abroad.   Episode Highlights: General advice disclaimer and scope of discussion. What counts as a principal place of residence and how CGT exemptions apply. The powerful “six-year rule” that lets you keep your tax-free status after moving out. How capital gains tax is calculated once the exemption period ends. What happens when you sell while living overseas — the rules for non-residents. Why non-residents lose the 50% CGT discount and pay a flat 30%+ tax from dollar one. Smart strategies to plan your sale, including becoming a resident before signing the contract. Key reminder: capital gains tax is triggered at contract signing, not settlement. Teaser for the next episode — CGT implications on the final home you own before passing.

In today's inspiring Wealth Coffee Chat, Bob shares the real story of Dave and Jess—an Aussie couple in their early 30s who transformed their financial future in just 12 months. With strategic advice, smart property decisions, and better tax planning, they unlocked nearly $257,000 in combined equity and tax savings. Learn how they did it, why inaction is costly, and how you can apply the same steps to your own portfolio—no matter your starting point.

In this episode of Wealth Coffee Chats, Sarah reveals a quiet yet powerful regulatory shift that could reshape Australia's mortgage market. APRA is making it easier for smaller banks to access the same low-cost lending advantages as the Big Four—meaning more competition, sharper rates, and better deals for borrowers. Find out how this change impacts refinancing, specialised lending, and why the mortgage wars are just beginning.

In today's Wealth Coffee Chat, Alex breaks down a powerful yet underutilised strategy for first home buyers—combining the 5% deposit scheme with the First Home Super Saver Scheme. Whether you're starting your property journey or a parent helping adult kids into their first home, this episode shows how to fast-track your deposit, save on tax, and get into the market sooner. Real numbers, smart strategy, and practical steps to get moving.

In this episode of Wealth Coffee Chats, Cass unpacks Victoria's brand-new Portable Rental Bond Scheme and what it really means for landlords and investors. With the government now guaranteeing bonds and setting stricter timelines on bond claims, landlords may face tighter cash flow and admin pressures. Cass breaks down how it works, the hidden risks, and why it's especially relevant if you own or plan to invest in Victorian property. Stay informed and protect your portfolio.

In today's Wealth Coffee Chat, Jared shares the exact scripts and strategies he's used to negotiate better interest rates—saving thousands with just a phone call. Learn why reviewing your loan every 6 months is essential, how banks respond to smart, confident customers, and the key phrases that get results. Real investor case studies prove it works. Protect your cash flow and take control—this is a must-watch for every property investor.  

In today's Wealth Coffee Chat, we unpack a costly oversight affecting more than half of Australian mortgage holders—offset accounts not properly linked to home loans. Jason reveals the hidden dangers of assuming your bank “did it right” and explains how this simple mistake could be costing you thousands in interest. Learn how to verify your offset account, the difference between redraws and true offset facilities, and why reviewing your loan post-construction is a must. Don't let admin errors erode your wealth—take control and stay informed.

In today's Wealth Coffee Chat, Cass breaks down how smart investors and proactive property managers deal with rent arrears before they become major issues. Learn what causes arrears, how to spot tenant red flags early, and the essential systems every investor should have in place. If late rent is affecting your cash flow—or you want to avoid it altogether—this episode is your early warning system.

The proposed Wealth Tax on Superannuation has been revised—and it could have major implications for your long-term wealth planning. In this episode of Wealth Coffee Chats, tax and financial advisor Anthony Wolfenden breaks down:

Would you be better off renting your own home? In today's Wealth Coffee Chat, property coach Karen dives into a powerful real-life example of how rentvesting created over $1,200 in weekly savings for one investor—and unlocked the opportunity to buy another property.

Want to buy a property faster—even without a full deposit? In this special Finance Friday edition of Wealth Coffee Chats, Cang is joined by Senior Broker Sarah to break down how LMI waivers, lending policies, and strategic financial products can help you get into the market sooner.

In today's episode, Alex dives deep into the question on everyone's mind — are we in a market bubble? With Bitcoin, gold, and global equities hitting all-time highs, we explore what's driving these asset prices, how inflation and currency devaluation play a role, and whether AI-driven markets are setting up for another correction. Alex breaks down how to think about diversification across asset classes — from cash and bonds to property and crypto — and why time in the market often beats timing the market. If you're wondering where to park your money in today's volatile climate, this chat is for you.

Want to destroy your property value? Here's how to do it… In today's Wealth Coffee Chat, property management expert Cass lifts the lid on a real-life horror story—a landlord who ignored professional help, self-managed a disaster tenancy, and is now six months behind in rent with a trashed property and an urgent need to sell.

What can you learn from real property investors just like you? In this episode of Wealth Coffee Chats, Fadi from the coaching team shares four powerful client journeys that reveal the highs, lows, and breakthroughs along the road to building wealth through property. From regional investing regrets to clever equity moves, income restructures, and credit score repairs—these aren't textbook strategies—they're real-life solutions tailored to individual situations. Whether you're starting out or scaling up, you'll walk away with actionable insights to apply to your own journey.

In this Finance Friday edition of Wealth Coffee Chats, we unpack the newly renamed Australian Government 5% Deposit Scheme and how it can help first home buyers and single parents enter the market faster. You'll learn how the expanded eligibility, higher property price caps, and unlimited places can make a big difference—especially in cities like Sydney, Brisbane, and Melbourne. Plus, we explore some surprising data from CBA showing most borrowers are still making higher repayments—even after rate cuts. This episode is a must-watch for first-time buyers, young investors, and parents helping their kids get started in the property game.

In this Finance Thursday episode of Wealth Coffee Chats, Alex takes you through the RBA's latest interest rate decision and explains what it means for property investors and the broader economy. From inflation to unemployment, mining slowdowns to consumer sentiment—this episode is packed with valuable charts and insights directly from the RBA's economic update. If you're wondering when rates will fall again, how household sentiment is shifting, or whether it's time to access your equity, this is your go-to summary.

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.

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.

“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.

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 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.

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.

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. What would you do?

What you need to know! Lets Wealth Coffee Chat!

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

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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 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.