Wealth Coffee Chats

Banks Are Dropping Rates! How to Negotiate & Restructure Loans in 2025

With fixed interest rates dropping and lenders offering better deals to new clients, now is a prime time to renegotiate your mortgage. In this episode of Wealth Coffee Chats, we explore how to secure a better rate, the power of discharge forms, and why reviewing your loan structure annually is critical—especially for investors scaling their portfolios. Learn actionable finance tips to protect your cash flow and set yourself up for the next property purchase.

What Is Fixed Interest? The Most Misunderstood Investment Explained

Fixed interest investments like bonds and term deposits are often overlooked—but they play a powerful role in protecting and stabilising your portfolio. In today’s Wealth Coffee Chat, our resident financial planner breaks down what fixed interest really is, how it works, and why it matters in 2025. Learn about government vs corporate bonds, how interest rate changes impact capital value, and how this underrated asset class complements your wealth-building strategy.

55% of Investors Are Missing This Critical Cover | Why Landlord Insurance Matters in 2025

Only 45% of Australian property investors have adequate landlord insurance—are you one of them? In this Wealth Coffee Chat, Cash Schost dives into a recent real-world scenario that highlights why every investor must understand the fine print of their insurance policy. Learn what’s covered (and what’s not), key updates from top providers like Terri Scheer, and how to avoid costly mistakes when managing tenants, pets, rent arrears, and storm damage.

Should You Start an SMSF in 2025? Tax Advisor Explains Key Rules, Risks & Rewards

Thinking about starting a Self Managed Super Fund (SMSF)? In today’s Wealth Coffee Chat, financial advisor Anthony Wolfenden kicks off a brand-new series demystifying SMSFs. He unpacks what they are, who they're for, why they’ve exploded in popularity, and the key compliance rules every investor must understand. From tax advantages to potential pitfalls, this episode sets the foundation for strategic retirement investing in 2025.

The Real Reason You’re Investing in Property (Hint: It’s Not Just About the Money)

What’s the real reason behind your property investing journey? In today’s Wealth Coffee Chat, we dig into the deeper “why” behind wealth creation—from passive income and early retirement to legacy planning for your kids. Jason unpacks the long game of property investing, reminding us that it's not just about building wealth—but also about living a long, healthy, and fulfilling life. Plus, hear about special guest Marcus Pearce and why health is your most undervalued investment strategy. Ready to rethink your wealth goals?

New Government Schemes & Interest Rate Cuts: What Homebuyers and Investors Must Know

Labours is in power whIn this episode of Wealth Coffee Chats, we break down the latest government housing initiatives and what they mean for both new and existing property owners. Discover how changes to the Home Guarantee Scheme, the Help to Buy program, and battery rebates could impact your strategy. We also discuss the implications of anticipated interest rate cuts on lending power and property affordability. Whether you're buying your first home, investing with friends, or planning your next move, now’s the time to prepare with your broker and the Positive Six Star Team.at this may mean for first home buyers and current home owners

3 Property Tax Changes That Could Wreck Your Investment Plans

3 Taxes to Keep an eye In today’s Wealth Coffee Chat, Andy Fenton dives into three looming tax changes that could shake up property investing in Australia: Capital Gains Tax on your Principal Place of Residence, the controversial $3M Super Cap tax, and the ever-debated Negative Gearing. With the government now holding firm legislative control, these proposals might be closer than we think. Discover what they mean, why they matter, and how investors can prepare now to protect their portfolios and retirement plans. Stay informed, stay ahead — because these policy shifts could impact every stage of your wealth journey.on under the current Government.

End of Financial Year Traps: Don’t Let ‘Deduction-itis’ Destroy Your Wealth!

As the end of financial year (EOFY) approaches, it’s easy to fall into the trap of deduction-driven spending—but is it really saving you money? In today’s Wealth Coffee Chat, Daniel McPherson unpacks “deduction-itis,” the dangerous mindset that leads investors and business owners to waste cash under the guise of tax savings. From flashy car purchases to overpriced tech, we explore real-life examples, smarter strategies, and how to keep your wealth on track. Discover EOFY tax tips, compliance pitfalls, and why your cash flow matters more than deductions.

Offset Hacks: How to Save Thousands on Your Mortgage Without Paying More

In this Finance Friday episode of Wealth Coffee Chats, we break down one of the most powerful yet misunderstood mortgage tools: the offset account. Discover the real difference between paying your loan weekly, fortnightly, or monthly—and why it matters depending on your loan structure. Learn strategic ways to use offset accounts and credit cards together to minimise interest, manage expenses smartly, and accelerate your home loan repayment. Plus, find out what banks are signalling about upcoming interest rate cuts and how you can prepare.

Cash Is King. Or Is It? How to Use Cash Wisely in Today’s Market

In this episode of Wealth Coffee Chats, we unpack why cash is still king — but only if you know how to use it. Our financial planning expert dives into the strategic role of cash in your asset allocation, from navigating short-term volatility to avoiding the long-term erosion of purchasing power due to inflation. Learn how to keep cash working for you, not against you, and when to deploy it to maximise your investment position. Perfect for property investors wanting to stay sharp in dynamic markets.

Avoid Bad Tenants: 5 Key Questions to Ask Your Property Manager Today

In this Property Management edition of Wealth Coffee Chats, Cass dives into a real-life rental horror story making headlines — and what you can do to avoid the same fate. Learn the crucial questions every investor should be asking their property manager before signing a lease. From tenant screening tips to open home red flags, this episode arms you with practical strategies to safeguard your property and maximise returns. If you're about to lease, settle, or re-tenant a property, this is a must-watch!

Cash Flow Secrets Every Investor & Business Owner Needs to Know

In this episode of Wealth Coffee Chats, Daniel McPherson dives into practical strategies for mastering cash flow—one of the most critical drivers of long-term financial success. Whether you're a small business owner or a leveraged property investor, you'll learn how to optimise income, manage expenses, and avoid common pitfalls that can lead to insolvency. Discover how to forecast effectively, create financial buffers, and structure smarter cash flow systems in today's volatile economy.