Wealth Coffee Chats

Macquarie Bank Pulls Out of Trust & Company Loans - What It Means for Investors

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

Inflation Rises Again: What It Means for Property, Shares & Cash in 2025

In today’s Wealth Coffee Chat, Alex breaks down the latest inflation update—3.2% headline and 3% trimmed mean—and what it means for your investment strategy. With inflation rising and unemployment also ticking up, the RBA faces a tough call. Alex unpacks how different asset classes—cash, fixed interest, equities, property, and commodities—perform in high inflation environments and shares what savvy investors should focus on now. Is it time to shift your capital? Let’s dive into what matters most for wealth creation in 2025.

New Victorian Rental Laws What Every Property Investor Must Know Now

In this episode of Wealth Coffee Chats, we break down the latest rental reform laws in Victoria and what they mean for property investors. From banning rent bidding to extending notice periods and enforcing new advertising standards, the changes are significant. Learn what to avoid, how to protect yourself from fines, and what your property manager should be doing to keep you compliant. If you're investing in Victoria—or planning to—don’t miss this critical update.

Selling Your Home? This Capital Gains Tax Trap Could Cost You $290K

In today’s Wealth Coffee Chat, tax expert Anthony Wolfenden unpacks the hidden tax traps around selling your principal place of residence—especially for Aussie expats and non-residents. Learn how the 6-year CGT exemption works, why being overseas could cost you hundreds of thousands in tax, and what timing strategies can protect your profits. If you’ve ever moved out of your home, rented it, or lived offshore—this is a must-watch episode.

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

In today’s inspiring Wealth Coffee Chat, Bob shares the real story of Dave and Jess—an Aussie couple in their early 30s who transformed their financial future in just 12 months. With strategic advice, smart property decisions, and better tax planning, they unlocked nearly $257,000 in combined equity and tax savings. Learn how they did it, why inaction is costly, and how you can apply the same steps to your own portfolio—no matter your starting point.

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

In this episode of Wealth Coffee Chats, Sarah reveals a quiet yet powerful regulatory shift that could reshape Australia’s mortgage market. APRA is making it easier for smaller banks to access the same low-cost lending advantages as the Big Four—meaning more competition, sharper rates, and better deals for borrowers. Find out how this change impacts refinancing, specialised lending, and why the mortgage wars are just beginning.

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

In today’s Wealth Coffee Chat, Alex breaks down a powerful yet underutilised strategy for first home buyers—combining the 5% deposit scheme with the First Home Super Saver Scheme. Whether you're starting your property journey or a parent helping adult kids into their first home, this episode shows how to fast-track your deposit, save on tax, and get into the market sooner. Real numbers, smart strategy, and practical steps to get moving.

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

In this episode of Wealth Coffee Chats, Cass unpacks Victoria’s brand-new Portable Rental Bond Scheme and what it really means for landlords and investors. With the government now guaranteeing bonds and setting stricter timelines on bond claims, landlords may face tighter cash flow and admin pressures. Cass breaks down how it works, the hidden risks, and why it’s especially relevant if you own or plan to invest in Victorian property. Stay informed and protect your portfolio.

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

In today’s Wealth Coffee Chat, Jared shares the exact scripts and strategies he's used to negotiate better interest rates—saving thousands with just a phone call. Learn why reviewing your loan every 6 months is essential, how banks respond to smart, confident customers, and the key phrases that get results. Real investor case studies prove it works. Protect your cash flow and take control—this is a must-watch for every property investor.
 

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

In today’s Wealth Coffee Chat, we unpack a costly oversight affecting more than half of Australian mortgage holders—offset accounts not properly linked to home loans. Jason reveals the hidden dangers of assuming your bank “did it right” and explains how this simple mistake could be costing you thousands in interest. Learn how to verify your offset account, the difference between redraws and true offset facilities, and why reviewing your loan post-construction is a must. Don’t let admin errors erode your wealth—take control and stay informed.