TFS WealthCast

Send us Fan Mail The season finale of TFS WealthCast brings together CEO Pramu Rodrigo and Vishi for a deep dive into the TFS Loyalty Program a pioneering initiative set to redefine mortgage broking and wealth management in Australia. Unlike traditional loyalty schemes that expire or offer token gestures, the TFS program is built on reciprocity: clients earn 70 loyalty credits per $100,000 of new...

Send us Fan Mail In this episode of TFS WealthCast , Pramu sits down with our newest Mortgage Broker, Nathan Ruvinski , for a sharp and practical breakdown of the business-lending landscape. Nathan explains the key differences between secured and unsecured loans, how lenders assess risk and cash flow, and the strategies business owners can use to access capital efficiently. The conversation covers...

Send us Fan Mail In this listener-driven episode of TFS WealthCast , Pramu and financial planner Sonali unpack a scenario many homeowners face: a $750k mortgage on an $850k home (an LVR of about 85%) and a sudden $250k windfall.  They start by explaining how loan‑to‑value ratio (LVR) affects your borrowing costs and why dropping below 80 % can remove Lenders Mortgage Insurance and unlock better ra...

Send us Fan Mail In this special edition of TFS WealthCast , Vishi hosts Sonali and Pramu to explore why the TFS Loyalty Program is a true game changer for both the mortgage industry and TFS. They discuss how the program turns your mortgage repayments into memorable experiences and celebrate the natural splendour of Sri Lanka from sun‑kissed beaches to lush tea plantations and a vibrant cultural h...

Send us Fan Mail In this insightful TFS WealthCast episode, host Pramu Rodrigo sits down with financial planner Sonali Rodrigo to demystify Self‑Managed Super Funds (SMSFs) . Together they explore what an SMSF is and who can set one up, highlighting key requirements such as membership limits (up to six people), residency rules and the two‑year temporary absence test. Sonali explains why SMSFs are...

Send us Fan Mail Episode 10 – "Bridging the Gap Between Selling & Buying - Decoding Bridging Loans” In this 10th instalment of TFS WealthCast , Vishi and Pramu demystify bridging loans a topic many homeowners find confusing. They explain how a bridging loan provides short‑term finance to “bridge” the timing gap between selling your existing home and purchasing your next one.  The loan com...

Send us Fan Mail Episode Title: First Home Buyers: Buy Now or Wait? Navigating the New Home Guarantee In this candid instalment of TFS WealthCast , Vishi grills CEO Pramu Rodrigo on the sweeping changes to Australia’s Home Guarantee Scheme (HGS) and how first‑home buyers can navigate a rapidly shifting market. Together they break down the October 2025 overhaul unlimited places and the abolition of...

Send us Fan Mail Episode description: In this instalment of TFS WealthCast , host Vishi turns the spotlight on Pramu Rodrigo and Sonali Rodrigo to explore one of the biggest dilemmas facing aspiring homeowners: should you rent or should you buy?   With humour and hard-earned insights, the couple unpack the latest expansion of the Home Guarantee Scheme now offering unlimited places, no income caps...

Send us Fan Mail Episode 7 – “Leveraging Equity: First Investment Strategies with Melissa from TFS” This week, TFS CEO Pramu Rodrigo sits down with Melissa , a senior broker with two decades of experience in tax and lending, to demystify the path from owning a home to building a property portfolio. Melissa shares her professional journey, from preparing income‑tax returns for clients and advising...

Send us Fan Mail Episode 6 – “Balancing Instinct and Analysis: Property, Super & Diversification” In this lively and candid conversation, Pramu Rodrigo, CEO of TFS , and Sonali Rodrigo, COO , take listeners inside their own investing debates and decision making. As a seasoned property investor, Pramu stresses that every deal must stack up financially and have strong future potential before he...

Send us Fan Mail In Episode 2, Pramu Rodrigo unpacks the “Champagne Taste on a Beer Budget” investor  the dreamer who wants it all: the perfect block, the modern home, the prime suburb… all without adjusting to their actual borrowing capacity. Pramu explains why this unrealistic mindset often keeps investors on the sidelines, missing out on real opportunities that could have already generated tens...

Send us Fan Mail In Episode 3 of the Investor Types series, Pramu Rodrigo unpacks the mindset of the “Set & Forget Investor.” These investors research thoroughly, choose their expert carefully, and then step back with full confidence trusting the process rather than micromanaging. Pramu highlights the strengths of this approach  logical decision-making, efficiency, and a focus on long-term ret...

Send us Fan Mail In Episode 4 of the Investor Types series, Pramu Rodrigo examines the “Capital Growth and Rental Yield Focused Investor”  the individual who sees property success purely through the lens of price appreciation and cash flow returns. Pramu highlights why this narrow focus, while important, often leaves money on the table. By chasing yield and growth alone, these investors can miss c...

Send us Fan Mail In Episode 5 of the Investor Types series, Pramu Rodrigo dissects the mindset of the “I Want to Buy Near Me” investor the person who insists on purchasing property in their own suburb, simply because it feels familiar or convenient. Pramu explains why this comfort-driven strategy often leads to missed opportunities . Limiting yourself to a single postcode especially one that may a...

Send us Fan Mail In Episode 1 of the Investor Types series, Pramu Rodrigo explores the “Do-It-Yourself” investor the type who thrives on research, collects advice, and dives into webinars and PDFs, but stops short of leveraging professional expertise. Pramu reveals how this mindset, while ambitious and curious, can lead to costly mistakes: missed opportunities, poor structuring, and years of lost...