Wealth Coffee Chats

Low Deposit Lending Hacks: How to Compete with First Home Buyers in 2025

With major changes to first home buyer rules coming into effect from October 1, investor competition is heating up in the $900K–$1M market. In today’s episode of Wealth Coffee Chats, Chris Foster Ramsey from the Positive Money team unpacks how investors can still get into the market—even with low deposits. He covers the latest on LMI waivers, high LVR strategies, and emerging lenders like OwnHome offering new pathways to property. If you're on the edge of being able to do a deal but short on cash, this one's essential viewing.

Should You Approve Tenants With Pets? Property Managers Weigh In

In today’s Wealth Coffee Chat, we unpack a hot topic in property management—should landlords approve tenants with pets? You’ll learn the key legal responsibilities (especially in QLD), how pet approvals impact vacancy rates, and what safeguards you can put in place to protect your investment. If you’re a landlord or soon-to-be investor, this episode is a must-watch to help you balance compassion, compliance, and cash flow.

Main Residence Exemption: Are You Risking a Six-Figure Tax Bill?

In today’s Wealth Coffee Chat, Daniel MacPherson dives deep into the main residence exemption—one of the most powerful yet misunderstood tax breaks in Australian property investing. From the risks of holding property in a trust, to the six-year CGT rule, and smart strategies for business owners, this episode unpacks the real costs of getting it wrong. Before you restructure, rent out, or transfer your home, make sure you understand the potential six-figure tax implications.

You can't out save the speed of the market

What is the cost of sitting on your hands "Waiting for the right time"

The Long Game: Why Persistence Pays in Lending

Vacate Day Disasters: How Smart Investors Protect Their Property and Cash Flow

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.

From Fear to First Investment: How This Couple Transformed Their Financial Future

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.

Massive Changes to First Home Buyer Scheme: What You Need to Know Before October

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.

Inflation Update: What the Latest CPI Numbers Mean for Your Investment Strategy

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.

This $10,000 Mistake: Why Using Your Offset Account Can Ruin Your Tax Strategy

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.