Wealth Coffee Chats

In this episode of Wealth Coffee Chats, guest host Sarah Shome breaks down one of the most powerful — yet often misunderstood — tools used by sophisticated property investors: the master limit structure. Sarah explains how this flexible, pre-approved credit umbrella helps investors clearly separate loan purposes, maintain ATO-friendly documentation, and maximise tax deductibility of interest. She also explores how master limits create faster access to equity, reduce the need for constant refinancing, and streamline efficient debt recycling so investors can transform non-deductible debt into productive investment debt. Sarah kicks off with a quick market recap, including Australia's surprise unemployment drop, its impact on RBA rate-cut expectations, and how strong rental demand continues to drive investor lending activity. Whether you're expanding your property portfolio or want to improve your loan structure, this episode offers a clear, practical explanation of why master limits become essential as your investment strategy grows.   Episode Highlights: Market wrap: unemployment surprise and shifting RBA expectations. Investor lending remains strong despite stable interest rates. What a master limit is and how it actually works. How sub-accounts keep loan purposes clean and ATO-compliant. Faster equity access and why speed matters for investors. Debt recycling made simpler through flexible limit adjustments. Reducing refinances and paperwork using master limit structures. Why master limits become crucial as your portfolio grows.

In this week's Financial Planning Thursday on Wealth Coffee Chats, Alex dives into one of the most overlooked yet powerful habits for financial success - budgeting with consistency. Far from a boring spreadsheet exercise, Alex reframes budgeting as a mindset shift that helps you take control of your money, invest intentionally, and create long-term wealth. He explains why so many people feel they “don't have any spare funds,” how lifestyle creep silently eats away at savings, and why the key is to pay yourself first — even if it's just $50 a week. By setting up automatic transfers, treating savings and investments like non-negotiable expenses, and staying consistent, you can transform small efforts into serious financial momentum. Alex also shares real client insights showing how disciplined budgeting led to impressive portfolio growth and peace of mind. Whether you're just starting out or want to refine your strategy before the new year, this episode is a timely reminder that the path to wealth starts with simple, repeatable habits.   Episode Highlights: Why most people struggle to stick to a budget. How lifestyle inflation sabotages savings. The “Pay Yourself First” principle explained. Starting small: why $50 a week can change everything. Automating your finances to stay consistent. Real client examples showing the power of compounding. How to build savings or investments without feeling deprived. The mindset shift: budgeting as a wealth-building tool. Simple steps to start before the new year rush. Final takeaway: consistency beats perfection in money management.

In this Property Management Wednesday edition of Wealth Coffee Chats, Kat Schoster from the Six Star Property Management team breaks down one of the most common and costly mistakes landlords make — being too passive with rent reviews. After 15 years in the industry, Kat has seen countless investors lose thousands of dollars simply by avoiding or delaying rent adjustments to “keep good tenants happy.” He shares a real example that sparked over 100 online comments, where a landlord kept rent well below market for six years — missing out on over $10,000 in potential income and now facing a tricky rent hike dilemma. Kat explores the psychology behind why landlords hesitate to raise rent, the financial consequences of letting emotion override strategy, and how to balance tenant retention with business sustainability. He also offers practical, data-driven tips on conducting annual rent reviews, using market comparables, and maintaining consistent, manageable rent increases that protect both your income and your tenant relationships.   Episode Highlights: The one “nice” habit that's secretly costing landlords thousands. Real case study: six years of stable tenancy but $10,000 in lost rent. Why skipping annual rent reviews is a financial risk. Balancing compassion and profitability in property management. How to use comparables and research (realestate.com.au, SQM, etc.) wisely. The true cost of tenant turnover — reletting fees, vacancy, and marketing. Why small, consistent rent increases work better than one big jump. Legal timing rules for rent reviews across Australian states. How to have transparent, respectful rent discussions with long-term tenants. Final takeaway: property investing is a business — manage it like one.

In this Tax Time edition of Wealth Coffee Chats, Anthony Wolfenden, Tax Financial Advisor at Positive Tax Solutions, uncovers a little-known capital gains tax (CGT) exemption that could make a big difference in your property and estate planning. While most investors understand the six-year rule — allowing you to treat a former principal place of residence as CGT-exempt even while renting it out — Anthony dives deeper into an often-overlooked extension of that rule that applies at the end of life. He explains how, under current tax laws, if the last property you own and live in before moving into aged care or passing away is sold by your beneficiaries within two years, it can remain exempt from capital gains tax, regardless of whether it was once an investment property. This episode breaks down how timing, ownership, and estate strategy can significantly affect your tax position — and why good estate and lifestyle planning can protect both your wealth and your family's future.   Episode Highlights: Quick recap: how capital gains tax applies to your principal residence. The six-year rule — keeping your home CGT-exempt even after you move out. What happens when you exceed the six-year window. The surprising CGT exemption related to aged care and estate planning. How your final residence may be sold tax-free by your beneficiaries. Key timing rule: why the two-year sale window after passing is crucial. How the property's past use (investment or home) may not affect the exemption. The importance of professional advice in estate and tax planning. Practical example: leveraging the rule for better wealth outcomes. Final takeaway: thoughtful estate planning can save your heirs thousands in CGT.

In this inspiring and eye-opening episode of Wealth Coffee Chats, property coach Caroline Bounds shares the true story of two couples who started with the same income, resources, and opportunities — but ended up in completely different financial realities. Through the journeys of “Jane & John” and “Fred & Freida,” Caroline reveals how goal setting, strategy, and guidance can make or break long-term wealth creation. Jane and John followed their plan, met with their coach regularly, and strategically built a resilient property portfolio — reaching and exceeding their dream of a $100,000 passive income and a fully paid-off home before retirement. Fred and Freida, on the other hand, avoided planning, skipped guidance, and 13 years later have no investments and a large mortgage heading into retirement. Caroline breaks down the key lessons behind these outcomes — from structuring “moats” around your properties to the power of leveraging expert advice, education, and persistence. This story is a must-listen for anyone wondering what consistency, strategy, and coaching can truly achieve in the world of property investing.   Episode Highlights: Meet two families: same start, radically different financial outcomes. How Jane & John built a $3M+ portfolio through strategy and coaching. Fred & Freida's costly mistake: no goals, no plan, no progress. The power of setting clear goals and staying accountable to a coach. Understanding “moats” — protecting each property with smart lending. Why resilience and education are key during life's financial setbacks. The cost of inaction: $3 million in missed opportunity over a decade. How to leverage other people's money — and knowledge — to build wealth. The importance of time in the market vs. trying to time the market. Final takeaway: trust the process, stay engaged, and act on opportunity.

In this Finance Friday episode of Wealth Coffee Chats, We delivers a fast-paced rundown of the latest money news before diving into practical tips for anyone eyeing a property auction. With the RBA keeping rates on hold amid rising inflation and unemployment, he explains why most banks expect no movement until mid-2026 and what that means for borrowers right now. We also discusses CBA and Westpac's shift away from brokers, despite brokers handling nearly 80% of home loans, and what that signals for lending strategies. Then, he turns to the property market, where auction clearance rates have jumped from 60% to 72% in just a year — a sign of growing buyer confidence. To help listeners prepare, We outlines five essential auction steps: knowing your borrowing power, setting a firm budget, getting pre-approval, having your contract reviewed by a solicitor, and ordering building or strata reports before bidding. Short, sharp, and full of actionable insights — this episode helps you plan smarter and bid with confidence.   Episode Highlights: RBA holds interest rates steady amid rising inflation and unemployment. Banks predict no rate cuts until mid-2026 — what this means for borrowers. CBA and Westpac pivot away from brokers despite broker dominance. Auction clearance rates jump to 72% — a strong signal for property demand. Step 1: Know your borrowing capacity before bidding. Step 2: Set a realistic budget and avoid auction overreach. Step 3: Get pre-approval and understand lender conditions. Step 4: Have your solicitor review the contract before auction day. Step 5: Complete building, pest, or strata reports in advance. Final takeaway: Be financially and legally ready before the hammer falls.

In this episode of Wealth Coffee Chats, Alex from the financial planning team breaks down the Reserve Bank of Australia's latest rate hold announcement and what it means for investors navigating inflation, housing demand, and employment shifts. He walks through key takeaways from the RBA's November statement, explaining why inflation remains stubbornly high at 3.2%, how the end of state electricity rebates could affect future readings, and why labour market conditions are creating a tug-of-war between inflation control and economic stability. Alex also examines how migration-driven housing shortages are fueling price pressures, what the latest unemployment uptick to 4.5% signals, and how international factors — including the U.S. money-printing cycle — could ripple through the Australian economy. He wraps up with insights on where to position your portfolio, the role of hard assets versus cash, and how to build buffers for potential interest rate shifts ahead.   Episode Highlights: RBA announces another hold on the cash rate — what's behind the decision. Inflation remains elevated at 3.2% and why it may persist into 2025. End of electricity rebates and their impact on the next inflation print. Labour market pressures: unemployment rises to 4.5%. 430,000 new migrants intensify housing demand and price growth. Global influences — how U.S. monetary policy may affect Australia. Why productivity remains a “weak link” in the inflation equation. How to think about cash versus hard assets during high inflation. Building investment buffers for potential future rate moves. Key takeaway: focus on long-term strategy, not short-term rate noise.

In this data-rich Wealth Coffee Chats session, we unpack the latest capital city performance trends - revealing how Brisbane, Perth, and Adelaide are gaining serious ground on traditional powerhouses Sydney and Melbourne. Using long-term data from the ABS, Tim explains how property price “catch-up cycles” work - where cities lag behind the leaders, then surge as affordability, infrastructure, and migration rebalance the market. He dives into house vs. unit correlations, showing how national macro factors drive house prices while units respond to local microeconomic forces. You'll also learn why Brisbane is evolving into a global city, what that means for volatility and yields, and how investors can use non-correlating assets like units to diversify risk. Tim wraps up with key statistical insights - from downside volatility to price distribution - helping investors understand how city behavior changes as markets mature.   Episode Highlights: Overview of capital city price performance — Adelaide and Perth rising fast. How Sydney and Melbourne's price “catch-up” cycles influence national trends. Why Melbourne is currently undervalued compared to Sydney. Comparing long-term city relationships — Darwin, Hobart, Canberra, and more. Houses vs. units: macro vs. microeconomic influences on price movement. Correlation analysis — how closely Australia's cities move together. Brisbane's transformation into a global city and what it means for investors. Understanding downside risk and volatility across major and smaller markets. How unit investments offer diversification through non-correlating growth. Final takeaways: read the data, know your market, and invest with precision.

In this Friday edition of Wealth Coffee Chats, we dives into two major updates shaking up the lending world. First, the ongoing speculation around interest rates — with inflation stuck above target and unemployment ticking up, the RBA faces a tough call ahead of its Melbourne Cup Day meeting. But the bigger story this week is Macquarie Bank's surprise move to stop accepting loans under trusts or companies. Once known for handling complex lending structures efficiently, Macquarie has now paused these applications, citing rising volumes, new anti–money laundering regulations, and social media–driven lending strategies. Cherie explains what this means for investors who rely on trusts or companies for asset protection, tax benefits, or borrowing flexibility, and why this could signal a shift across the broader lending industry. Despite the changes, she reassures investors that solutions always exist — and that smart structuring with expert advice remains key to building a strong, protected property portfolio.   Episode Highlights: “Mortgage brokers are like bartenders” — a fun analogy to start the chat. Quick market update: inflation, employment, and RBA's looming rate decision. The big news — Macquarie Bank exits trust and company lending. Why Macquarie made the move: rising loan volumes and tighter AML rules. The pros and cons of borrowing under a trust or company structure. How asset protection and servicing flexibility benefit certain investors. What this could mean for the broader banking sector and lending policies. Why investors shouldn't panic — alternative lenders and strategies still exist. Final thoughts: staying adaptable and proactive through every market shift.

In this episode of Wealth Coffee Chats, Alex breaks down the latest inflation numbers — what a 3.2% headline rate and 3% trimmed mean really mean for your wallet. He dives into how inflation affects different asset classes — from cash and bonds to equities, property, and gold — and shares his predictions ahead of the next RBA meeting. Grab your coffee and join Alex as he helps you understand what these changes could mean for your financial strategy and investments.

In this week's Wealth Coffee Chats, property management expert Kat Schostit breaks down Victoria's incoming rental reform laws taking effect this November — and what every property investor needs to know to stay compliant (and avoid costly fines). From the ban on rental bidding and rental price ranges to the extended 90-day notice period and the end of no-fault evictions, Kat explains how these changes impact landlords and property managers alike. He also covers updates to minimum standards, compliance checks, and the importance of keeping your property strategy aligned with the latest legislation. With more than $600,000 in fines already issued to non-compliant landlords and agencies, this episode is a must-listen for anyone who wants to keep their portfolio protected, profitable, and future-proof.   Episode Highlights: Overview of the new Consumer Planning Legislation Amendment Bill 2024. Ban on rental bidding — why price ranges are now illegal in property ads. Extended notice-to-vacate period from 60 to 90 days. The end of no-fault evictions and what that means for investors. Why minimum standards and compliance checks matter more than ever. Real fines and penalties — over $600,000 issued to non-compliant landlords. Tips to keep your investment safe and strategy aligned with new laws. Update on CPD requirements for property managers coming to Victoria by 2026–2027. Final advice: stay informed, stay compliant, and keep your long-term property goals on track.

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.