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 28, 2025 LATEST EPISODE
    • weekdays NEW EPISODES
    • 18m AVG DURATION
    • 930 EPISODES


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    Latest episodes from Wealth Coffee Chats

    Don't Sell While Offshore: The Costly Truth About Capital Gains Tax for Non-Residents

    Play Episode Listen Later Oct 28, 2025 11:23


    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.

    How This Couple Built $257K in 12 Months on Average Incomes

    Play Episode Listen Later Oct 26, 2025 12:22


    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.

    APRA Just Leveled the Playing Field: What It Means for Your Mortgage Rate

    Play Episode Listen Later Oct 24, 2025 9:34


    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.

    Unlock Your First Home with Just 5%: The Strategy Most First-Time Buyers Miss

    Play Episode Listen Later Oct 23, 2025 23:13


    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.

    Victoria's New Rental Bond Law: What Landlords Need to Know Right Now

    Play Episode Listen Later Oct 22, 2025 13:55


    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.

    How to Slash Your Interest Rate in 15 Minutes: Real Scripts That Work

    Play Episode Listen Later Oct 20, 2025 13:33


    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.  

    Are You Losing Money? The Offset Account Mistake 57% of Aussies Are Making

    Play Episode Listen Later Oct 17, 2025 11:19


    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.

    Rent Arrears Alarm: 4 Ways Smart Investors Stay Ahead of Late Payments

    Play Episode Listen Later Oct 15, 2025 15:42


    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.

    Australia's Wealth Tax on Superannuation: What's Changing & Why It Matters

    Play Episode Listen Later Oct 13, 2025 6:12


    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:

    Should You Live in Your Home or Rent It Out? The Numbers Might Surprise You

    Play Episode Listen Later Oct 13, 2025 9:06


    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.

    Unlocking Borrowing Power in 2025: LMI Waivers, 95% Loans & Serviceability Secrets

    Play Episode Listen Later Oct 10, 2025 15:35


    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.

    Are We in a Market Bubble? Bitcoin, Gold & Property at Record Highs Explained

    Play Episode Listen Later Oct 9, 2025 23:51


    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.

    How This Landlord Lost $100K+ in Property Value (And How You Can Avoid It)

    Play Episode Listen Later Oct 8, 2025 13:51


    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.

    Real Client Stories: 4 Powerful Property Lessons from Everyday Investors

    Play Episode Listen Later Oct 5, 2025 14:57


    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.

    New 5% Deposit Scheme Explained: How to Get Into Property Sooner

    Play Episode Listen Later Oct 3, 2025 12:43


    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.

    Rates on Hold: What the Latest RBA Data Tells Property Investors

    Play Episode Listen Later Oct 2, 2025 22:37


    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.

    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.

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