Podcasts about APRA

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why the RBA has held interest rates, why inflation remains stubbornly high, and what this really means for Australia's property market moving into 2025 and 2026. We unpack the key drivers behind the RBA's decision, including rising electricity prices, cost-of-living pressures, and why rate hikes don't always fix inflation. The discussion also dives into the latest APRA changes, including debt-to-income (DTI) limits, tighter trust lending rules, and how these policies could impact investors, first-home buyers, and affordability across Australia.

In this episode of The Property Nerds, Arjun Paliwal, Jack Fouracre, and Adrian Lee explore the evolving landscape of property investment, focusing on regulatory changes, lending policies, and market dynamics shaping investor strategies. The discussion highlights the Australian Prudential Regulation Authority's (APRA's) new policy limiting high-risk investor lending to 20 per cent of banks' portfolios, potentially shifting opportunities toward brokers and non-bank lenders. The trio emphasises the importance of maintaining a long-term perspective, as life changes and cash flow constraints can affect borrowing capacity despite debt-to-income (DTI) ratios. Strategies such as rentvesting are discussed as ways to maintain a DTI under six while building a property portfolio. Lender Mortgage Insurance (LMI) waivers and extended 40-year loan terms are highlighted as tools that can reduce upfront costs and increase borrowing flexibility. Additionally, the discussion addresses the nuances of shading rental income in DTI calculations, helping investors understand their true borrowing capacity. The co-hosts stress that professional guidance is critical for navigating regulatory shifts and optimising investment decisions.

Individually, Sarah McLeod and Dallas Frasca are two of the most powerful voices in Australian rock. Not only have they both had successful careers - McLeod with The Superjesus and Frasca with her band of the same name - but they have both contributed much more to the Australian music scene via other roles within the industry. ARIA winner and South Australian Music Hall of Fame inductee Sarah McLeod, both as a solo performer and frontwoman of Australian rock legends The Superjesus, has remained a passionate advocate for change and progress within the Australian music space while APRA and AWMA nominated artist Dallas Frasca is a kindred spirit of sorts for Sarah, again another artist who has brought bold and visceral energy to her expansive catalogue of music and live performances across many years.So it should come as no surprise to find that both of their lives and careers have become entwined for the 2026 GREEN ELECTRIC TOUR, which represents both McLeod and Frasca's ongoing commitment to sustainability; more specifically, sustainable touring. It is a highly ambitious journey into the unknown, with little by way of previous undertakings by other bands from which to use as a reference.Instead, the two have chosen to dive in headfirst, supported by Music Australia, The Harbour Agency and Spank Betty Records. The tour also supports Seed Mob, Australia's first Indigenous youth-led climate justice organisation in their ongoing fight for climate justice. From recycled merchandise and sustainable travel routes to meat-free catering and eco-certified accommodation, every detail has been designed to minimise impact. Fans are invited to join the movement by wearing their best sustainable fashion to the gigs, and carpooling, taking public transport, walking, or riding bikes to venues wherever possible — making the audience part of the solution, not just the show.For both McLeod and Frasca, the launch of the GREEN ELECTRIC TOUR also aims to inspire other musicians, and their fans, to reconsider their own approach to experiencing live music and touring – with a shift in mindset and a turn toward more sustainable pathways, the future of this industry is greener, healthier, and more long-lasting.HEAVY was fortunate enough to nail down both Sarah and Dallas during a welcome break to their busy schedules, and we started by asking if they were prepared for the magnitude of the task they have set for themselves."It's hard, actually," Sarah replied."It is," Dallas reiterated. "I think… putting a tour together is a massive workload as it is, and even doing four weeks of touring is huge in the matrix of that. But this is a whole other element, and maybe when we get to the end of it, I think we would have gone, okay, we've sort of normalized this new thinking around things, and it will be easier. But we've got the machete out in the jungle at the moment, and we're just figuring things out. There's no one perfect way to do it either. Sarah and I have got a few non-negotiables that we can't move on, with venues and things like that. And then we're just sort of piecing things around it. So we'll make some mistakes along the way. We'll probably get to the other end and think we should have done it that way, and hopefully we'll walk in that direction afterwards, but we're learning. We are both definitely learning along the way. And it's a lot more work than your normal tour. Yes, we have put our hands on our faces many times (laughs)."In the full interview, Sarah and Dallas run through the idea behind sustainable touring and how they plan to make the run of shows as faithful to their cause as possible. They discussed some of their ideas to do that and ways in which the crowd can participate, while highlighting the fact that the very nature of touring makes it difficult to adhere strictly to some of the protocol.We talked about their musical union and the benefits of musicians investing actual time into sustainable touring, suggesting ideas along the way which would be beneficial to the planet as a whole if more people invested in them. Talk turned to an unplanned sonic union that has already blossomed, with plans already in place to film a music video for the newly written track, which you will have to watch to find out more about.The basic structure of the live shows was discussed, along with the two drummers who are special guests for the tour, with Sarah and Dallas both expressing excitement for the plethora of possibilities this one journey into sustainability can raise.Become a supporter of this podcast: https://www.spreaker.com/podcast/heavy-music-interviews--2687660/support.

What if one lending policy could change how much you can borrow, when you can borrow and even whether you stay in residential or move into commercial property sooner than planned?  APRA's new Debt to Income cap is coming, and in this episode we break down exactly what it means for home buyers, investors and anyone building a property portfolio in Australia. I'm joined by my personal finance and business broker, Charles Zerafa from Integrity Finance, who lifts the lid on how banks assess risk, how lending appetites shift behind the scenes and why this new DTI policy could reshape borrowing capacity for years to come. Whether you're stretching for your next investment, planning your first home purchase or thinking about diversifying into commercial property, this episode gives you the insider playbook you won't hear from your bank. In this episode we cover • What APRA's new DTI cap actually is, why it's being introduced and who it impacts most • How banks decide which loans to approve, what they consider high risk and why timing your application matters • How investors may reach their borrowing limits sooner and why more people could shift into commercial property • Smart ways to structure loans across multiple lenders to maximise borrowing capacity • The real world impact on home buyers, first time investors, and mixed residential commercial portfolios If you're into commercial property investing, personal finance, residential lending strategy or building a portfolio the smart way, this is a must listen. If you got value from today's episode, hit subscribe and share it with someone who needs to hear this. Want more resources on commercial property and borrowing strategy? Visit andrewbean.com.au or you can find Andrew on Youtube.  Andrew Bean YouTube - Watch it here: https://youtu.be/YEt-lBuh_JI?si=kTOqy3K5pzWtgakz Join the Community Commercial Property Community Australia (Facebook Group) https://www.facebook.com/groups/commercialpropertyshow Commercial Property Show Website www.commercialpropertyshow.com.au Connect With Andrew HOSTED BY: Andrew Bean Ph: 0410 694 633 Website: www.andrewbean.com.au Email: ab@andrewbean.com.au LinkedIn: http://linkedin.com/in/andrew28 YouTube: @andrewbean28 Follow Andrew on Social Media: Instagram: https://www.instagram.com/andrewbean28/?hl=en Facebook: https://www.facebook.com/AndrewBean28 TikTok: https://www.tiktok.com/@andrewbean28x Threads: https://www.threads.com/@andrewbean28 Follow The Commercial Property Show Network Website: www.commercialpropertyshow.com.au Facebook Group: https://www.facebook.com/groups/commercialpropertyshow Facebook Page: https://www.facebook.com/commercialpropertyshow/

In this episode of the Mo Money podcast, we talk about the recent APRA rule changes for mortgage borrowing around debt to income ratios, and how this is essentially changing the game for property investors in Australia. So, we unpack what's actually changing, what's driving that change, who's going to get caught up in these changes, and who is in a position to be able to take advantage of the opportunities that are being created by these shifts, as well as how you should think about making your decisions around property investing within these rules moving forward. This episode is perfect for anyone that's investing in property or intending to in the not too distant future.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of Broker Daily Uncut, host Alex Whitlock is joined by Finni brokers Eva Loisance and Costa Arvanitopoulos to reflect on 2025 and explore the opportunities and challenges brokers face heading into the new year. The trio discuss the value of building long-term relationships with clients, how investors are leveraging SMSFs and commercial lending, and the growing role of renovation and cash-out loans in portfolio growth. They also unpack market dynamics including APRA's latest investor lending changes, broker market share trends, and interest rate predictions for 2026, providing insights into how brokers can strategically grow their book and guide clients through a complex property landscape.

The money world has been a little wild lately — and in this episode Jess breaks down everything you actually need to know about what's been going on - from the launch of the Help to Buy shared equity scheme, to the 5% deposit scheme blowouts, to APRA cracking down on high debt-to-income lending, interest rate predictions and so much more.Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here.To get help click here. Hosted on Acast. See acast.com/privacy for more information.

Téma manipulací a etiky v politické komunikaci otevřelo sdružení PR agentur a interních PR týmů v České republice (APRA) v dubnu na konferenci Etika a pravidla v politické komunikaci: Jak neukrást volby. Agentura NMS se tímto tématem zabývala už na jaře a nyní opět. Analytička Tereza Friedrichová komentuje, jak moc je etika v politice pro české voliče důležitá, jaké etické prohřešky zaznamenali při říjnových sněmovních volbách a zda se sami voliči chovají vždy eticky.Všechny díly podcastu Jak to vidí... můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

Téma manipulací a etiky v politické komunikaci otevřelo sdružení PR agentur a interních PR týmů v České republice (APRA) v dubnu na konferenci Etika a pravidla v politické komunikaci: Jak neukrást volby. Agentura NMS se tímto tématem zabývala už na jaře a nyní opět. Analytička Tereza Friedrichová komentuje, jak moc je etika v politice pro české voliče důležitá, jaké etické prohřešky zaznamenali při říjnových sněmovních volbách a zda se sami voliči chovají vždy eticky.

Treasurer Jim Chalmers set to release the mid-year budget update next week. Plus, ASFA raises serious concerns with the federal government's plan to add APRA-regulated super funds to the Compensation Scheme of Last Resort.See omnystudio.com/listener for privacy information.

Want the real facts and on-the-ground insights for what is happening in our Perth property market and why? Today, I discuss why the Perth property market has reached a boiling point, with record-low supply, fast-rising prices across houses, units, and land, and a major shift in affordability toward higher-density living. I cover the latest data across sales, rentals, yield performance, and buyer demand. I also break down the pressure points driving the market, population growth, stalled development, zoning reforms, APRA’s new lending caps, interest-rate expectations, and inflation trends. Plus, I walk through what’s happening on the ground with competition, pricing, and suburb performance. To wrap up, I share growth forecasts for each price bracket, strategies for buying and investing in this cycle, and the key actions to position your portfolio for the next 12 months. Let’s go inside. Resource Links: Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) Get email updates about suburb intelligence reports and exclusive invites to our webinars, events, and workshops. Join (investorsedge.com.au/join) Join the Perth Property Investment Facebook Group (https://www.facebook.com/groups/perthpropertyinvestors) Join Jarrad Mahon’s Property Investor Update (https://www.investorsedge.com.au/join) For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind (https://www.investorsedge.com.au/perth-property-management-specialists/) For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you (https://www.investorsedge.com.au/selling-your-perth-property/) Episode Highlights: Intro [00:00] Boiling Point of the Perth Property Market [02:02] Median House Prices and Market Trends [03:51] Land Prices and Development Challenges [07:45] Rental Market and Vacancy Rates [09:35] Property Clock Timing and Regional Markets [12:39] Factors Affecting the Market [16:22] Labor Market and Policy Changes [22:41] Tips for Surviving and Thriving in the Market [27:04] Crystal Ball for the Next 12 Months [31:24] Thank you for tuning in! If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Connect with Perth Property Insider: Subscribe on YouTube: https://www.youtube.com/@InvestorsedgeAu Like us on Facebook: https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

This week we're diving deep into the impact of regulatory policies like APRA and DTI on banking and lending practices. Are current lending policies truly prudent in the face of increasing regulatory pressure? Tune in to The Urban Property Investor to hear our take!   I discuss -    02:20 - Understanding DTI and Its Importance 013:40 - The Role of APRA in Lending Regulations   Don't hesitate to hit me up on Facebook @SamSaggers. DM me with any of your questions :)   If you're yet to subscribe, be sure to do so on your favourite channel.    Apple - https://pre.fyi/upi-apple   Spotify - ⁣⁣https://pre.fyi/upi-spotify ⁣ YouTube - https://pre.fyi/upi-youtube   And remember, I'm really good at 1.25 or 1.5 speed :)   Take care,  Sam   Hey Investors! It's great to see you here. To get you started on your journey we've popped a few educational resources below for FREE! ➡️ DOWNLOAD The Part Time Property Investor ebook-https://pre.fyi/yt-part-time-investor-ebook ➡️ DOWNLOAD The Property Investor's Cashflow Calculator-  https://pre.fyi/yt-cashflow-calculator  ➡️ REGISTER for a Property Investing Webinar -  https://positivere.events/learn-to-invest    Positive Real Estate's Property Investor Masterclass

John and Rach break down three huge property changes hitting the headlines: APRA's new lending cap coming february 2026, NSW & VIC's town-centre zoning reforms and the national rollout of the 2% shared-equity scheme.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to unpack new lending guidelines by the Australian Prudential Regulation Authority (APRA) and the concerns these sparked among property investors trying to scale their portfolios. Tarrant and Loisance begin by discussing the new debt-to-income restrictions, explaining how the cap on high-risk lending is designed to protect financial stability, while creating uncertainty for active and growth-focused investors. The duo then turns to the growing contradiction between tighter lending rules and government initiatives such as the 5 per cent deposit scheme and shared equity programs, which aim to fast-track first home buyers into the market. Loisance highlights criticism that these high-leverage schemes could place Australians into excessive debt, particularly if property values soften or economic conditions tighten. They wrap up by examining the pullback by major banks from trust and company lending, urging investors to stay informed, work with experienced brokers, and remain flexible as alternative lending options emerge. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

A major regulatory shift is set to reshape the borrowing landscape, with APRA unveiling a new debt-to-income (DTI) cap that's sparked debate across the finance sector. In this episode of Finance Specialist, host Liam Garman sits down with co-host Trent Carter to unpack what the cap really means for brokers, borrowers, and lenders navigating a tightening credit environment. Garman and Carter unpack APRA's move to limit banks to writing only 20 per cent of new loans above a DTI of six, industry reaction from commentators concerned about borrower access, and why perceptions of restricted credit don't always align with the numbers. They also dive into the ripple effects for first home buyers, investor activity, and SME owners who rely on property-backed lending, and why this shift could accelerate a move toward genuine business lending grounded in cash flow and balance sheet strength. Carter underscores how brokers can differentiate themselves by interpreting regulatory change and guiding clients through more complex borrowing decisions as the industry recalibrates ahead of February.

APRA has announced a new round of lending changes, including updates to DTI rules — and the headlines are loud. But what do these changes actually mean for the Australian property market?And more importantly… what do they mean for your as an investor or homebuyer heading into 2026? In today’s episode, Callum's back as we break down: what APRA has introduced who is most likely to feel the impact how banks and lenders may respond the flow-on effects for borrowing power and strategy how the market has reacted to similar interventions in the past and what to consider as you plan your next move No hype. No panic.Just a clear, grounded conversation about how these changes shape the road ahead — and what to be aware of as the lending landscape evolves. If you’ve been wondering “what does this actually mean?”, this episode is for you. See you on the inside. IMPORTANT: The Investor Lab is for educational purposes only and does not constitute financial advice. Always do your own research and seek independent professional advice before making any investment or financial decisions. -- WATCH ON YOUTUBE: Has APRA Killed Investment Lending? (What It Means for 2026) MENTIONS: Did Macquarie Just Break Property Investing? (The Truth About Their Lending Freeze) How To Build A Property Portfolio That Pays For Itself Need help with your finance strategy? Chat with the Callum and the team: http://hey.dashdotfinance.com.au/discoverycall ---- OTHER RESOURCES TO HELP: Join the conversation: The Investor Lab Community Looking for a team to partner with you in your portfolio building journey? Book a no-obligation discovery call with Dashdot: https://bit.ly/3E0wKGa Need finance guidance? Chat with the Dashdot Finance team:http://hey.dashdotfinance.com.au/discoverycall Build Your FREE Portfolio Growth Plan on Property Pathfinder:https://propertypathfinder.io Got a question or some feedback? We're all ears!https://bit.ly/tilqs – Catch Up On Recent Episodes: What Most Property Investors Get Completely Wrong The Brutal Truths About Property Investing for Cashflow Right Now Did Macquarie Just Break Property Investing? (The Truth About Their Lending Freeze) How to Build a Portfolio That Works When the System Doesn’t Australia's Property Market Is About To Explode (Here's Why) Managing a Market Meltdown: What Smart Investors Do When Chaos Strikes Why You Feel Poorer Even as the World Gets Richer AI, Housing & Money Printing: 3 Big Questions Shaping Your Financial Future Turning Property Wealth Into Retirement Income The Great Melt-Up: When Trust in Money Dies The Illusion of Prosperity: Why Getting Ahead Feels Impossible First Home Guarantee Scheme, Property Scarcity, and Why It Matters for Everyone Else NZ Property Market Crash: What Does It Mean For Australia? Bitcoin vs Australian Real Estate We Answer Everything: When You Have "Enough" Money, Why Cash Flow Is Dead & The Future of Money Why You Need To Retire Earlier Than You Think Beyond 2030: The Prosperity Wave Most Investors Will Miss (Biggest Opportunity Ever) Why Your Buyers Agent Might Be Leading You Into a Property Trap How To Build A Property Portfolio That Pays For Itself The Coming US Debt Collapse (And What It Means For Australia) How to Help Everyone You Care About Win in the New Economy How to Design a Life You Won't Regret in the Next 5 Years How AI Will Change Your Economic Future AI Is Here: And Most People Aren't Ready Is A Supercycle Coming? (Housing Market Outlook) The Inner Game of Investing Trusts & SMSFs: How Advanced Investors Are Rethinking Their Structures in 2025 Tariffs, Trade Wars, and What It Means For Your Portfolio Portfolio Acceleration Masterclass Financial Jiu-Jitsu: How to Break Through Your Portfolio's Cashflow Constraints Winning the Investment Game: How to Set & Beat Your Hurdle Rate Fake Gold? Markets Down? Liquidity Up? – What’s REALLY Going On? The RBA Just Changed the Game — Here’s What It Means for You Hold vs Sell: How to Know When to Take Profits Bitcoin: Why Every Property Investor Needs to Consider Owning It Everything You Need To Know About Property Investing Finance Property Investing In Australia In 2025: What You Need To Know Investment Strategies for 2025 Follow the Money: How Liquidity Drives Asset Prices (and How You Can Benefit) What You Don’t Know About Money Could Cost You Everything -- Connect:dashdot.com.au youtube.com/@theinvestorlab instagram.com/dashdotpropertyinstagram.com/goosemcgrathinstagram.com/gabi.billingSee omnystudio.com/listener for privacy information.

In this Australian Property Podcast, your hosts Pete Wargent from Allen Wargent Property Buyers and Chris Bates from Alcove group mortgage specialists discuss the big 3 property news stories of the week. They also discuss your listener questions in the Listener Q&A segment at the end of the show. Here's what they discussed: - Fastest resi construction growth in a decade - Inflation gauge hits 3.8% - Will Australia become a nation of renters? (Eleanor Creagh, REA) Listener Q&A - Question 1 – Warrior or worrier - Question 2 – IP not so freely - Question 3 – Chimichurri Investor - Other news of interest Resources for this episode Ask a question (select the Property podcast) Rask Resources Pete's Buyers Agency Alcove mortgage broking Amy Lunardi Buyers Agency (Melbourne) All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Australian property is now more expensive than ever and soaring mortgage debt has the financial regulator hitting the brakes on risky lending.But could stopping banks for offering some loans do anything to stop rapid price growth for homes and units? Today, the ABC's chief business correspondent Ian Verrender on what's worrying APRA and the outlook for the housing market. Featured: Ian Verrender, ABC chief business correspondent

Banks won't tell you if you're better off with a fixed-rate mortgage. But strong evidence shows most borrowers will lose when they bet against the bank by settling on a three-year fixed rate. With expectations building that RBA rates may rise, fixed rates seem attractive once more, but you need to know why the odds are against you. Stuart Wemyss of the Prosoluton Private Clients group joins Associate Editor - Wealth, James Kirby in this episode. In today's show, we cover: You fix, you lose: here's the data over two decades The new APRA lending limits How non-banks will now rush the mortgage market Pressure mounts on CGT for residential investments See omnystudio.com/listener for privacy information.

Welcome back to The Weekly Investor News, where we break down the biggest property and finance stories shaping Australia's investment landscape.In today's episode, Owen and Nick unpack a major move from APRA that every investor and homeowner needs to understand:

In this episode of Broker Daily Uncut, hosts Alex Whitlock and Eva Loisance are joined by Finni broker Costa Arvanitopoulos to unpack the biggest insights from the current market dynamics – and what brokers really think of the evolving landscape. From APRA's regulatory movements, the surprising importance of property managers, and the strategic shifts for brokers under the microscope, the trio reflect on the complexities of the Australian lending market and the growing demand for specialised expertise. The hosts dive into the standout revelations from the discussion – including Whitlock's rapid, high-yield Melbourne property purchase – and the wake-up call for investors on the critical advisory role of property managers, often perceived as just handling mundane tasks. They also take a look at the APRA decision to cap DTI ratios, why this might be a boon for non-bank lenders, and the challenging scenario where the CBA is excluding brokers from its Help to Buy scheme, hinting at a wider strategy by major banks. The episode rounds out with a look at the evolving nature of mortgage broking – from technology driving automation of simple deals to the necessity for brokers to focus on complex, niche markets where their strategic advice remains invaluable.

Welcome to The Adviser's What's Making Headlines podcast, your go-to source for the week's biggest stories in finance and real estate, distilled into bite-sized insights. In this special, cross-over episode with Momentum's property brands, host Annie Kane is joined by Phil Tarrant, SPI director, and REB managing editor Liam Garman, as they review the news of the week. This week, they discuss: Whether APRA will bring further limits on investor lending. Why concerns are mounting about unlicensed advice from buyer's agents. The problems with the government's 5 per cent Deposit Scheme. And much more!

In the final Wealth, Wine & Wisdom episode of 2025, Andy and Jason debrief the year's most outrageous financial events, starting with the ATO's latest move to aggressively redefine income splitting for family trusts and the bombshell news that Australian governments have collected a record trillion dollars in taxes. They dive into the property market's two conflicting stories: record-breaking sales in Brisbane and the return of luxury real estate versus APRA's new, controversial Debt-to-Income (DTI) limits aimed at restricting investor lending. They also expose the ongoing "Build-to-Rent" scandal, where billions in Australian real estate have been sold to foreign corporations, and the hosts lay out a powerful new investment thesis for 2026: strategically acquiring "picks and shovels" real estate that will be necessary for the coming AI infrastructure revolution.   Episode Highlights Record Tax Take: Australia's three levels of government collected a "record trillion" dollars in taxes. The ATO vs. Family Trusts: The hosts blast the ATO for trying to force family trusts to "confess their past errors" and for adjusting their interpretation of income splitting, an attack that could force business owners to pay tax on all business profit under "Personal Services Income" rules. Tax-Free $16 Million Gain: Discussion on a $25 million record sale in Brisbane where the sellers, if it was their principal place of residence, could have made a tax-free gain of $16 million in just three years. Overseas Money Continues to Flow: Highlight of a mother who bought an $8 million Sydney house for her daughter who is studying from overseas. APRA's Investor Crackdown: Criticism of the banking regulator (APRA) for introducing the first-ever Debt-to-Income (DTI) limits on home loans for investors, arguing it is a "socialist policy" that will only worsen the housing supply issue. Banks Ignore Regulator: Banks are forecast to increase home lending in 2026, effectively ignoring APRA's new limits. Build-to-Rent Scandal: Exposure of the "Build-to-Rent" scheme, which gives tax breaks to offshore corporations, resulting in $30+ billion of Australian real estate being sold to foreign-owned entities. The AI Revolution is Not a Bubble: The AI revolution is here to stay and will be more aggressive than the agricultural and industrial revolutions combined. The hosts note that Vietnam is teaching all primary school children to use AI tools from year one, highlighting Australia's "archaic attitude". Investment Theme for 2026: A new forward-thinking investment thesis that involves acquiring real estate near pre-existing power transmission cables or data lines, which will become valuable "picks and shovels" for the massive infrastructure spend required by AI. Property Market Opportunity: Melbourne is highlighted as a potentially undervalued market, with comparable property lagging in price by as much as $500,000 against other major cities, making it an opportunity based on fundamental supply, population, and geography. Holiday Message: A final plea to "switch off the news" and "switch off the social media" over the break and be present with people you like.

The only threat to Australia bares its teeth again Presented by Elisa Barwick and Robert Barwick Also on the show: • Calls for APRA to rein in investment lending (RBA powers handed over) - GRAPH • Bendigo money laundering scandal • Inflation rising: RBA, APRA need to act! • Law and order breaks down in Victoria Become a member of the Australian Citizens Party: https://citizensparty.org.au/membership?utm_source=YouTube&utm_medium=link&utm_campaign=membership&utm_content=20251127_cit_rep Donate to support the Citizens Party campaigns: https://citizensparty.org.au/donate?utm_source=YouTube&utm_medium=link&utm_campaign=cit_rep_donation&utm_content=20251127_cit_rep For cheques and direct deposits, call 1800 636 432 Lookup your Senator here: https://citizensparty.org.au/aus-senate Sign the Cancel AUKUS petition: https://info.citizensparty.org.au/cancel-aukus Sign the Citizens Party Petition to create an Australia Post Bank!: https://info.citizensparty.org.au/auspost-bank-petition Subscribe to the Australian Alert Service: https://info.citizensparty.org.au/subscribe?utm_source=YouTube&utm_medium=link&utm_campaign=AAS_subscibe&utm_content=20251127_cit_rep Sign up for ACP media releases: https://citizensparty.org.au/join-email-list?utm_source=YouTube&utm_medium=link&utm_campaign=join_email&utm_content=20251127_cit_rep Contact your MP (search by name or electorate): https://www.aph.gov.au/Senators_and_Members Visit the Citizens Party Campaigns page for a run down of the branch closure media coverage: https://citizensparty.org.au/campaigns Follow us on: X: https://x.com/CitizensPartyAU TikTok: https://www.tiktok.com/@citizenspartyau Facebook: https://www.facebook.com/CitizensPartyAU Instagram: https://www.instagram.com/CitizensPartyAU YouTube: https://www.youtube.com/CitizensPartyAU LinkedIn: https://www.linkedin.com/company/citizenspartyau Telegram: https://t.me/CitizensPartyAU

SBS Finance Editor Ricardo Gonçalves speaks with Nathan Zaia from Morningstar about APRA's tightening of lending rules for high risk borrowers to find out if it will make a difference; plus, the day on the sharemarket with Hugh Lam from Betashares.

香港大埔宏福苑的五級火火勢現時經已受控，同時，消防員在火場再發現更多死者。另外，澳洲銀行業監管機構澳洲審慎監管局 (APRA) 將從明年二月一日起，對房貸實施所謂的宏觀審慎限制，減少金融機構向客戶發放「高風險」的大額貸款數量

In this episode of The Smart Property Investment Show, Phil Tarrant is joined by Annie Kane, managing editor of mortgages, and Liam Garman, managing editor of real estate. The host and the Momentum Media editors explore the complexities of the current Australian property market. They examine how government schemes, including the expanded 5% Deposit Scheme, are driving demand but causing delays as lenders struggle to keep up. Kane highlights that brokers are the main channel for the scheme, but overwhelming demand has led some lenders to pause pre-approvals. Tarrant raises concerns that the scheme could encourage unsustainable debt levels among first-time buyers. Investor lending is also on the rise, with the Australian Prudential Regulation Authority (APRA) monitoring trends and considering measures to curb high debt-to-income ratios and rapid investor lending. Garman points to supply-demand pressures exacerbated by migration and infrastructure, warning of potential negative equity for some buyers. The discussion also covers the role of buyer's agents, emphasising the importance of choosing licensed professionals to avoid costly advice missteps. As the market evolves, the trio notes that navigating government interventions, lending practices, and ongoing supply-demand imbalances will be critical for both investors and home buyers. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

The ASX edged up higher, with US markets to be closed for Thanksgiving.See omnystudio.com/listener for privacy information.

APRA has made changes to the loan system, putting debt-to-income limits on bank lending.See omnystudio.com/listener for privacy information.

3 - Calls for APRA to rein in lending to housing investors by Australian Citizens Party

What's happening in property investing news this week in Australia? It's time to find out! We remove all the fluff to bring a neatly packaged news show, designed to keep you on the ball as an Australian Property Investor. Let's see what's making property news headlines this week in Australia.

Australia's private capital expenditure surged during the September quarter. Plus, banking regulator APRA is set to introduce debt to income limits on home loans as it attempts to prevent a build-up of risky home lending practices.See omnystudio.com/listener for privacy information.

Kia ora,Welcome to Friday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news the global economy has one month to go to bolster its 2025 economic performance, all down to retail sales now.First, of course, the US is now in its Thanksgiving holiday weekend, the start of their big retail period until Christmas. A lot rides on the consumer spending activity in this period. It is an impulse with global impact. But the lead-in has not been helpful about giving clues on how it will turn out.Meanwhile, Canadian average weekly earnings came in stronger than expected, up +3.1% in September from a year ago and a touch higher than the August +2.7% rise on the same basis. It was a broad-based rise. It is not a bad result for them given their CPI rise was +2.4% in September, and fell to +2.2% in October, so their earnings are recording real gains.The 'Buy Canadian' movement will be getting the ultimate test this weekend during the 'Black Friday' sales period.In China, industrial profits dropped -5.5% in October from a year ago, taking the top off the +22% jump in September. and the +13% rise in August, and being the first slowdown in growth in three months. A quarter of all companies are now posting losses, a record high. The cost of debt is also a reason some are noting that profits are under pressure. And that may loom larger, because Beijing as told their SOE banks to lend more to other SOEs to prop up consumption demand.We can also see office rents in major cities falling, vacancy rates rising, as pain spreads in the commercial property sector. Vanke is wobbling more now. And separately, despite high sales and rapid growth, Chinese car manufacturers are suffering record low margins. Their industry is very vulnerable to a demand slowdown.In Taiwan, consumer sentiment edged up in October from September, but it is still quite low and far lower than year-ago levels. They haven't got back anywhere near the level they started the year with. Relentless mainland pressure to 'unify' and kill their independence isn't helping.The Bank of Korea held its base policy rate at 2.5% at today's meeting, the final policy session of the year. It did this despite concerns over the broader Korean economic outlook, including a persistent property market slump and a volatile currency.In Malaysia, producer prices were little-changed in October, essentially ending the deflation they had in the prior seven months.In the EU, overall economic sentiment held as did consumer inflation expectations. They are modest and back to pre-pandemic levels in a stable mode and putting behind them the rather strong deflationary expectations over the past two years. That sanguine view was reinforced by the release overnight of the ECB meeting minutes. They seem happy with where they are at and no rate changes seem imminent.In Australia, prudential regulator APRA has said it will limit high debt-to-income home loans to constrain riskier lending that is starting to show up in that market. Some of it has been induced by the Canberra government's taxpayer-subsidised 5% deposit guarantee scheme.And staying in Australia, new private capital spending is rising and more quickly than expected. The rise was largely driven by non-mining industries, which recorded a +13.0% jump, while spending on mining equipment and machinery grew just +4.5%.Global container freight rates dipped -2% last week to be -47% lower than year-ago levels. Outbound China rates are a touch weaker while trans-Atlantic rates a touch stronger. However, bulk freight rates have risen +6.0% over the past week and are now sitting a touch over +50% higher than year ago levels and are back to levels we last saw briefly in November 2023, and prior to that during the pandemic.The UST 10yr yield is still just on 4.00% with US markets closed.The price of gold will start today at US$4156/oz, and down -US$10 from yesterday.American oil prices have risen almost +US$1 from yesterday to be just under US$59/bbl, while the international Brent price is also up, but less, now just over US$63/bbl.The Kiwi dollar is up another +30 bps from yesterday, now at just over 57.2 USc. Against the Aussie we are up +20 bps at just over 87.6 AUc. Against the euro we have risen +30 bps to 49.4 euro cents. That all means our TWI-5 starts today at just under 61.9, and up +30 bps.The bitcoin price starts today at US$91,468 and up +4.5% from yesterday. Volatility over the past 24 hours has been moderate at just on +/- 2.3%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again on Monday.

SBS Finance Editor Ricardo Gonçalves speaks with Nathan Zaia from Morningstar about APRA's tightening of lending rules for high risk borrowers to find out if it will make a difference; plus, the day on the sharemarket with Hugh Lam from Betashares.

#BaellaTalks 25.11.25 Invitados: JAVIER VEGA DE SEOANE-JAVIER LABARTHETema: ¿Nuevas cárceles para Venecos?¿Hay educación para los discapacitados?¿Viene la renovación en el Apra?

In this Australian Property Podcast episode your hosts Pete Wargent from Allen Wargent Property Buyers and Chris Bates from Alcove Mortgage Brokers discussed whether it's a good time to release equity and invest, whether APRA will intervene in the housing market in 2026, and whether the 18-year cycle will peak in 2026. They also covered some of your questions in the Listener Q&A segment at the end of the show.  Topics covered - Is it time to release equity and invest? (Alcove) - Housing finance rips for investors – APRA to intervene in 2026? - What about the 18.6 year property cycle? (Steve Palise) - Listener Q&A - Other news of interest Ask a question (select the Property podcast) Is it time to release equity and be prepared to invest Australian housing finance surges in Q3 Housing finance rips for investors APRA System Risk Outlook – November 2025 APRA warns of looming lending curbs 1.9 million homes needed to make Aussie housing affordable Victoria cracks down on underquoting with reserve price law Unemployment rate falls to 4.3% but trend is still higher Unemployment rate eases back to 4.3% Trump floats 50-year mortgages Half a million could qualify for shared-equity scheme Kiwis seek greener pastures in Australia Australia's other housing shortage Rental vacancies hit new all-time lows High-rise apartments are still riddled with defects More value in older style apartments Rask Resources Pete's Buyers Agency Alcove mortgage broking Amy Lunardi Buyers Agency (Melbourne) All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Fenton and Whitten are together in person for a special edition of Wine and Wisdom, debriefing the week and navigating the political uncertainty and clickbait journalism surrounding wealth creation.   They dive deep into the booming Australian residential real estate market, tearing down the "mortgage stress" narrative and debating the potential for a property price crash by looking at the lessons from Japan. The hosts also rant on government overreach, including the ATO's latest attempt to police holiday home tax deductions , and the lunacy of policies that punish Australians for simply creating wealth. Finally, they look at the simple, disciplined strategy for maximizing your Superannuation and discuss the future of work in the age of AI.   Episode Highlights Australian Residential Real Estate Hits a New High: The value of residential real estate has cracked $12 trillion for the first time in Australia's history, making it the country's largest asset class. Myth-Busting "Mortgage Stress": The hosts challenge the media's narrative of widespread "mortgage stress," pointing to the total outstanding mortgage debt of $2.5 trillion against the $12 trillion asset value, suggesting an overall low Loan-to-Value Ratio (LVR). The "Four Menaces" Erode Wealth: The hosts warn against reacting to the "Four Menaces" that erode wealth in Australia, crowning politicians as the number one menace. The "What If" Scenario: Could Australian Property Prices Crash? Discussion on the possibility of a property price decline, dismissing the idea as "rubbish" but analyzing what happened in Japan for comparison. Market Manipulation by Government: Criticism of "fake economics" where market manipulation through subsidies or legislation (like first-home buyer grants) only causes property values to rise, creating a "manipulation gap" that capitalism will always close. Conflict of Interest at the Top: Concerns are raised over former executives from ethics and regulation bodies (Fasea and ASIC) launching a trustee service, suggesting an advantageous privatization of business models based on rules they wrote. ATO Overreach on Holiday Homes: A rant against the Australian Tax Office's draft guidance that proposes disallowing tax deductions for holiday homes if the property is considered "mainly for personal use," especially during "peak periods". Lending Restrictions and Supply Chain: Discussion on APRA's looming lending curbs and policies like the Debt-to-Income Ratio (DTI) , arguing that five years of restricting lending has contributed to the supply chain issue in housing. Government Competing in the Housing Market: Criticism of government entities like Housing Australia buying up bulk properties and utilizing shared equity schemes where the taxpayer (via government) takes a 40% stake in the homeowner's property. Superannuation Discipline: The hosts illustrate a simple, powerful super strategy: contributing an extra $100 per week can dramatically increase retirement savings, pushing people into the politician-defined territory of being "horribly, egregiously rich". The Future of Work and AI: A warning that the Australian future is not in white-collar administration, as AI and tools like Chat GPT will take over many processes , emphasizing the increasing value and scarcity of vocational trades like plumbing.

„Kartais sukaustydavo baimė, jog bijau atidaryti palatos duris“, – sako gydytoja neurologė Gintarė Aukselė, prisiminusi rezidentūros patirtis pandemijos metu. Gintarė, įstojusi į neurologijos rezidentūrą COVID-19 pandemijos pradžioje, pradėjo rašyti anonimišką tinklaraštį „LRezidentė“, kurio įrašai apie gydytojos patirtis ir išgyvenimus iki šių dienų sulaukia tūkstančių reakcijų. Penkerius metus buvusi anonimė, Gintarė šiais metais atskleidžia savo tapatybę, išleisdama pirmąją knygą, paremtą aprašytomis patirtimis sveikatos sistemoje.Ved. Ignas Klėjus.

Andy Fenton is joined by property expert Sammy Saggers (The Australian Property Game) to dissect the biggest issues in finance and real estate this week. They tackle the media's "affordability" clickbait, debating whether Australia's youth can truly afford property, and expose the massive, unintended consequence of government-backed first-home buyer grants, which have caused property prices to spike almost immediately. In a stunning exposé, they reveal a multi-billion dollar banking failure that affects homeowners across Australia. Finally, Sam breaks down the state government's new, unprecedented policies to boost housing supply through rezoning for duplexes and granny flats, and why this represents a huge, though risky, opportunity for property investors and developers.   Episode Highlights The $307 Billion Banking Scandal: APRA has launched a major audit into all six big banks after discovering that they failed to link billions of dollars in customer offset accounts, meaning customers were incorrectly charged interest. Affordability Policy Backfires: Analysis of the Federal Government's 5% deposit/guarantee scheme, which critics argue has already caused the cost of property to jump by up to 6% in just one month for the target price range. The "Black Friday Inheritance": They explain how the 5% deposit scheme is seen by some parents as a "half-priced sale" or "Black Friday inheritance" to help their children buy a home, rapidly increasing demand. The 'Youth Can't Afford Property' Myth: Debunking the pervasive media headline, arguing that opportunities exist, inflation will normalize the market, and a massive intergenerational transfer of wealth is inevitable. Investor Lending Crackdown: Discussion on APRA's concerns over high investor lending, leading to Macquarie Bank closing its trust and company lending model. Massive Supply-Side Opportunity: Breakdown of new state government "Pathways Programs" to increase density, including: NSW Duplex Rezoning: A new code allows for building two dwellings on one title (a duplex) on nearly every 400sqm block in Sydney, Wollongong, and Newcastle. Free Government Plans: The government is providing architectural working drawings for duplexes for as little as a dollar to reduce cost and time. The Problem is People, Not Property: Sammy Saggers' final wisdom is that "property is reliable," and the challenge lies in the "human being," emphasizing the importance of education, building a good network, and being in the market for the long term.

O Sala de Redação dessa segunda-feira (10) repercutiu os empates de Grêmio e Inter no final de semana. Além disso, foi falado sobre a preocupação de ambos os times com o rebaixamento neste ano.

In this Australian Property Podcast episode, your host Pete Wargent discuss the Reserve Bank of Australia's latest interest rate decision, forecasts through to 2027, and what it all means for the property market. Pete also runs through the week's three biggest property news stories and answers listener questions. Topics Covered – Rate uncertainty and the opportunity for upgraders – APRA's warning on investor lending hitting decade highs – Fastest price growth in two years and what's next for buyers – Listener Q&A on extra repayments vs offsets and APRA's investor crackdown Episode Resources – Rate uncertainty leaves door open for upgraders – APRA warning as investor lending hits 10-year high – Fastest price growth in 2 years – Buy Gemma's book “The Money Reset” Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! Follow us on social media – Instagram – TikTok DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

Kia ora,Welcome to Monday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news rising inflation pressures are now appearing everywhere in the West, underpinned by poor economic judgements.This week will be a busy one on the economic data front, even with the US federal agencies shut down.Locally, all eyes will be on the Q3 labour market data and most observers expect it to show our jobless rate rise to 5.3%.In Australia, the key economic event will be the RBA's rate review late on Tuesday and there will be heightened interest on how they view their rising inflation. That will drive a reassessment by financial markets about where their interest rates are heading. Australia's September trade balance is due and a big surplus is anticipated.Other central banks will chime in this week with rate reviews of their own, including Sweden, Norway and England, among others.In the US while they won't have any official data, focus will turn to the ADP Employment Report, ISM PMIs, and the University of Michigan Consumer Sentiment Index. Canada will release its labour market data too.In China, the October trade surplus is expected to widen to around US$100 bln, although the latest official NBS manufacturing PMI showed a decline in new export orders for October. The broader RatingDog (Caixin) Manufacturing PMI is also expected to signal a further slowdown in factory activity, and its services counterpart will also be closely watched.China's official October PMIs came in over the weekend without any significant improvements from September. They say their factory PMI is now contracting marginally more and a noticeable step lower than last month, and their services PMI is barely expanding, when a small improvement was expected.Japanese industrial production rose +3.4% in September from a year ago, a much better surge in the month than the +0.5% rise that was anticipated.In the US, the Chicago PMI rose in October from its worryingly low August and September levels, but it is still contracting and it has done so for 23 consecutive months now. This month's slight improvement is on the back of a rise in new orders, modest as it may be. Basically this metric is just contracting slower now.But some companies are doing well there. An example is Warren Buffett's Berkshire Hathaway which reported profits of US$48 bln in its latest nine month result, US$31 bln in Q3 alone. They now have cash holdings of US$382 bln. Buffett himself is fading from view now and it will be a challenge for his replacement to maintain the charisma.The EU said its October inflation level is down to 2.1%, the expected dip from September's 2.2%.In Australia, there is more evidence inflation is embedding at levels well above 3%. On Friday they released their Q3 PPI and that came in at 3.5%, unchanged from Q2, and up +1.0% for the latest quarter. Analysts had expected it to reduce.in Q3, but that isn't happening. The RBA will be as unhappy with this as it was with the equally high CPI result. Only recently a rate cut tomorrow was a sure bet, but no longer.And staying in Australia, bank lending grew +7.3% in September, up +6.3% for housing but up +9.5% for business from the same month a year ago. But there is a noticeable dip in business lending in September from August which surprised some. Going the other way, observers were equally surprised by the monthly surge in housing loans.The surge is worrying APRA. The combination of demand from the FHB guarantee scheme, and exuberance by investors is joining to create the rush. And it is only expected to increase. So the regulator is stepping in with warnings to banks to reign in the party. High DTI lending is their special focus.The UST 10yr yield is now at 4.10%, unchanged from Saturday at this time. The price of gold will start today at US$4001/oz, down -US$5 from this time Saturday. That is down -US$107 from this time last week. But it is up +US$141 or +3.6% for the month.American oil prices are+50 USc firmer from Saturday at just on US$61/bbl, with the international Brent price now just over US$64.50/bbl.The Kiwi dollar is now at just on 57.2 USc, and down unchanged from Saturday. It is down -20 bps for the week, and down -70 bps or -1.2% for the month. Against the Aussie we are unchanged at 87.5 AUc. Against the euro we are also little-changed at 49.7 euro cents. That all means our TWI-5 starts today at just over 61.8 and down -30 bps from yesterday, down -20 bps for the week, down -40 bps for the month.The bitcoin price starts today at US$110,113 and up +0.8% from this time Saturday. Volatility over the past 24 hours has been low at just on +/- 0.6%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

Welcome to the Complexity Premia podcast by Coolabah Capital, a hosted by Christopher Joye, Chief Investment Officer and Portfolio Manager at Coolabah Capital, and Ying Yi, a Senior Portfolio Management Director at Coolabah Capital. The Complexity Premia podcast strives to deconstruct modern investment problems for wholesale (not retail) participants in capital markets. You can listen on your favourite podcast app, or you can find it on Spotify, Podbean or Apple Podcasts. In this episode, Chris and Ying Yi explore the decline of Australia's $38.8 billion listed hybrid market and the global implications, including New Zealand's proposal to phase out hybrid securities and the controversial Credit Suisse hybrid write-off. They discuss the risks and conflicts inherent in hybrid structures, the impact of APRA's decision to phase out bank hybrids, and the emerging alternatives in the market, highlighting the broader implications for both investors and financial stability. This information is suitable for wholesale investors only and has been produced by Coolabah Capital Institutional Investments Pty Ltd ACN 605806059, which holds Australian Financial Services Licence No. 482238 (CCII). The views expressed in this recording represent the personal opinions of the speakers and do not represent the view of any other party. The information does not take into account the particular investment objectives or financial situation of any potential listener. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. Whilst we believe that the information discussed in the podcast is correct, no warranty or representation is given to this effect, and listeners should not rely on this information when making any decisions. No responsibility can be accepted by CCII to any end users for any action taken on the basis of this information. Any performance data presented on this site is pre-fees for institutional clients that negotiate custom fee rates, and these solutions are not available to retail investors. No investment decision or activity should be undertaken without first seeking qualified and professional advice. CCII may have a financial interest in any assets discussed during the podcast. Listeners in Australia are encouraged to visit ASIC's MoneySmart website to obtain information regarding financial advice and investments.  

For six decades the APRA Silver Scroll has been considered the most prestigious songwriting award in New Zealand. This year's event will take place at Christchurch's Isaac Theatre Royal on Wednesday 29 October, with artists including Marlon Williams, Aaradhna, Nadia Reid competing for the top prize. But someone has to run the show, and today APRA announced that singer, songwriter, multi-instrumentalist, visual artist, and previous Silver Scroll nominee Delaney Davidson will be the musical director. He chats to Jesse.

Send us a textJoin Cheryl Lee - That Radio Chick on STILL ROCKIN' IT for news, reviews, music and interviews with some of our favourite Australian musiciansGraham "Buzz" Bidstrup doesn't just tell stories—he's lived them. As the drumming powerhouse behind iconic Australian bands The Angels, Gang Gajang, and The Party Boys, Buzz takes us on an unforgettable journey through the electrifying pub rock scene of the 70s and 80s where the air was "thick with the unmistakable scent of beer, sweat, and pot."Born into a musical Adelaide family in 1952, Buzz's path to rock stardom began with a father who could have been a concert pianist (before WWII trauma silenced his playing) and a mother who sang with gusto in church. This foundation, combined with exposure to seminal artists through his older brother, set the stage for his remarkable career. With characteristic humility and humor, Buzz reveals how he transformed The Angels by suggesting Doc Neeson move from bass to frontman—a decision that created magic. "You couldn't take your eyes off him on stage," Buzz explains about the charismatic Neeson, whom he considers the greatest frontman he's ever worked with.Beyond the music that defined a generation, Buzz's story takes unexpected turns. His unique upside-down guitar playing created GangGajang's distinctive sound. His work with the Jimmy Little Foundation, promoting healthy eating among indigenous children for 25 years, reveals the depth of his character. "That's what I get up in the morning for," he shares, demonstrating how music can be a vehicle for meaningful change. Still active at 73, Buzz continues mentoring young artists as an APRA ambassador while passing his musical genes to his producer son Maxwell.Whether you're a die-hard Angels fan or simply appreciate authentic Australian stories, Buzz's memoir "No Secrets" delivers raw insights into a musical life fully lived. The book is available now at Woolworths for $24—grab your copy and discover the stories behind the soundtrack of Australian rock.What Buzz Bidstrup been up to lately?  Let's find out!Get out when you can, support local music and I'll see you down the front!!Visit: ThatRadioChick.com.au

Smart investors are discovering that success isn’t about chasing hype - it’s about cultivating insight. In this revealing first conversation with Lawrence Lam, founder and managing director of Lumenary and author of The Founder Effect, Bushy Martin explores why long-term investment success depends more on people, purpose, and principle than on spreadsheets and short-term returns. Lawrence shares his journey from APRA and high finance to launching a values-driven investment firm that backs founder-led businesses with enduring potential. Along the way, he explains why character, intent, and systems matter more than numbers, how to recognise and reduce the “invisible tax” of bias, and what it means to taste-test investments the way a winemaker judges vintages. You’ll discover: Why return on insight outperforms return on hype How judgment is shaped and clouded by unseen bias Why leading your wealth journey like a founder helps you avoid following the herd How Lawrence’s upbringing and career shaped his philosophy on alignment and long-term conviction This is part one of a two-part series with Lawrence. Next week, we’ll dive into his book The Founder Effect and the frameworks you can use to invest with clarity and conviction. So if you’re ready to tune out the noise and start investing with vision, character, and courage — let’s get invested. Connect with Lawrence lawrencelam.org Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Book a personal solutions session with Bushy to go deeper on your specific property needs or challenges Continue the discussion with likeminded investors and experts on The Property Hub Collective Facebook group Get a copy of Bushy's book, Get Invested, for FREE, and find out what it takes for you to invest in living more, working less Get all Property Hub info here linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com.See omnystudio.com/listener for privacy information.

In today's Macro Insights Podcast, Ken Raiss and I examine who really pays tax in Australia, and the results may surprise you.   We also share what the average wage and superannuation balance in Australia is, and I bet these figures will surprise you.   We also discuss the latest statement from APRA about its 3% mortgage assessment buffer we will tell you what time of the week you're most likely to get scammed?   As somebody interested in growing your wealth or property, there will be lots in the show for you.     Takeaways  ·        Australian Taxation Office's 2022–23 tax‑return snapshot (approximately 16.1 million lodgements) to paint a portrait of the “average 100 Australian. ·        Out of those 100 Australians, 21 pay no income tax at all. None. Zip. ·        Meanwhile, just 3 individuals contribute nearly 30% of all net income tax. Add in the next 6, and you're up to nearly 50%. And the next 30 take it to almost 90%. ·        So 39 Australians (out of 100) are footing almost the entire tax bill. ·        The average super balance is around $173,000; the median is just $60,000. What does that tell us?All eight capital cities recorded house price growth in the June quarter. ·        Westpac reveals the time of day you're most likely to be scammed is Tuesday afternoon   Chapters  00:00 Understanding Australia's Tax Landscape 04:15 The Role of High Income Earners in Taxation 06:37 Income Disparities and Superannuation Challenges 09:24 The Impact of APRA's Mortgage Serviceability Buffer 12:00 Scams and Consumer Awareness 14:35 Infrastructure Needs for Population Growth   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   The FirstLinks article mentioned in the show https://www.firstlinks.com.au/100-aussies-seven-charts-on-who-earns-pays-and-owns   Michael Yardney Get the team at Metropole Wealth Advisory create a Strategic Wealth plan for your needs Click here and have a chat with us    Ken Raiss, Director of Metropole Wealth Advisory   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Australian artists, musicians and authors are fuming over a suggestion copyright laws should be relaxed to allow tech giants to train their AI chatbots. Find out more about The Front podcast here. You can read about this story and more on The Australian's website or on The Australian’s app. This episode of The Front is presented by Claire Harvey, produced by Kristen Amiet and edited by Joshua Burton. Our team includes Lia Tsamoglou, Tiffany Dimmack, Stephanie Coombes and Jasper Leak, who also composed our music.See omnystudio.com/listener for privacy information.

隨著澳洲進入減息周期、業界促監管當局減低房貸壓力測試門檻，以幫助超過 26萬名買家上車，但有一原因令儲銀拒絶。

Welcome to Episode 148 of the #ExpatChat Podcast, where we explore the latest tax and financial issues affecting Australian expats. In this episode, Expat Do's and Don'ts for SMSFs, Atlas Wealth Managing Directors James Ridley and Brett Evans unpack the complexities of managing Self-Managed Superannuation Funds (SMSFs) while living overseas. They provide an overview of the legal, financial, and compliance responsibilities SMSF trustees face abroad—highlighting how to avoid costly penalties and potential fund disqualification. A key focus is on the “central management and control” rule and its role in determining SMSF residency status. James and Brett breakdown the 183-day rule, the distinction between temporary absences and permanent relocations, and what happens when trustees move overseas. You'll also hear about strategies to maintain compliance, such as appointing a Power of Attorney or converting to a small APRA fund. Real-life scenarios illustrate how different choices impact compliance and tax outcomes, reinforcing the need for expert planning before relocating. Whether you're currently managing an SMSF overseas or considering a move, this episode is packed with key insights to help you stay compliant and protect your retirement wealth. Links that we discussed in this episode include: • Upcoming Seminars & Webinars – atlaswealth.com/events • Facebook Group – Don't forget to join our Australian Expat Financial Forum Facebook Group – / australianexpatfinancialforum • Ask Atlas – Have your questions answered on the podcast by clicking this link – atlaswealth.com/news-media/au... • Expat Mortgage Podcast – atlaswealth.com/news-media/au... • Weekly Recap Podcast – atlaswealth.com/news-media/au... If you like the content make sure you let us know by hitting the thumbs up and subscribing. As well as providing some feedback in the comments below. The Atlas Wealth Group was born out of growing demand from Australian expats seeking professional guidance. We are specialists in providing tax, financial planning, wealth management and mortgage services to every Australian expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community. To find out more about the Atlas Wealth Group visit www.atlaswealth.com. Make sure you connect with us on our respective social media channels: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management Twitter: www.twitter.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup