Wealth Coffee Chats

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

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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.

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.

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.

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.

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.

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.

Think you can claim your car as a tax deduction? Not so fast. In this Tax Tuesday episode, Daniel McPherson unpacks the most misunderstood and most audited deduction: vehicle expenses. Learn the difference between cents per kilometre and logbook methods, the truth about the “ute myth,” and why the ATO cares about your payload and personal use. Packed with real-life case studies and expert tips, this episode helps you maximise your deductions—without risking an audit.

In this special Finance Thursday episode of Wealth Coffee Chats, Senior Advisor Alex shares the most powerful last-minute superannuation strategies you can still action before EOFY. Whether it's concessional contributions, spouse top-ups, or unlocking government co-contributions for a potential 50% return, this episode is a must-watch for proactive investors. With cut-off dates looming, Alex also explains timing traps that could derail your tax benefits and how to avoid them.

The Wealth Coffee Chat discussed the importance of strategic property management over the traditional transactional approach. Cass Shasta highlighted that 22% of investors sell after 12 months and 50% after two years, emphasizing the need for long-term wealth preservation. The new model includes a 15-year rent growth plan divided into three pillars: occupancy, tenancy, and rent growth. Key strategies involve understanding tenant profiles, managing revenue, and reducing bond disputes. The session stressed the importance of teamwork, consistency, and leveraging expert advice to achieve successful property management and long-term investment goals.

In this special Finance Friday from the Property Summit 2025, we dive deep into global equity markets and the powerful role of diversification. With the ASX hitting record highs, tariffs cooling, and global economies rebounding, where should investors focus next? Explore how markets in the US, Europe, Asia, and Australia have performed over the past 2 months, 6 months, and 5 years—and what it means for your portfolio. Whether you're investing via super or directly, understanding global trends is crucial to building a resilient strategy in today's volatile environment.

Many landlords choose property managers based on one question: What are your fees? But is saving two cups of coffee a week worth risking tens of thousands in damages and lost rent? In today's Wealth Coffee Chats Property Management Edition, Cashloss dives into the most common and costly mistake landlords make when appointing a low-fee agent. Learn what detailed questions to ask, what red flags to look for, and how to assess real value—not just price—when it comes to protecting your property investment.

As we approach June 30, understanding Division 293 tax is critical for high-income earners and property investors making super contributions. In this episode, tax advisor Anthony Wolfenden breaks down how Div 293 works, who it affects, and why capital gains from property sales could unexpectedly trigger this extra 15% tax on concessional contributions. You'll learn how to plan your super strategy smartly—even when the ATO wants a bigger piece of your gain.

In this Finance Friday edition of Wealth Coffee Chats, Positive Money brokers Damien Hauser and Sarah Shown break down what every buyer needs to do after purchasing an off-the-plan property. From managing borrowing capacity to releasing equity at the right time, this episode is packed with practical steps to help you reach settlement with confidence. Learn how lifestyle changes, job moves, and even credit card applications can affect your loan approval—and why regular broker check-ins are essential for success.

In this final episode of the asset allocation series, Alex from Positive Real Estate dives into the world of alternative investments—a misunderstood yet potentially powerful part of a diversified portfolio. Learn about the role of gold, Bitcoin, private equity, and even art and collectibles in your investment strategy. Alex breaks down how these assets perform, their risks, and how they can be included across personal investments, retail super funds, and self-managed super funds (SMSFs). A must-watch if you're serious about long-term wealth building and want to understand the full picture of asset allocation.