Wealth Coffee Chats

Big news for property investors—construction loan interest is now tax deductible under updated ATO guidance. In this episode of Wealth Coffee Chats, we break down how this rule change impacts your cash flow, tax strategy, and property investing returns. Learn when you can claim deductions, what records you need, and how to structure your loans correctly. If you’re building or planning an investmen...

Not every investor fits the “perfect” scenario—and that’s where smart strategy matters. In this episode of Wealth Coffee Chats, we break down three practical property investing strategies designed for real-world situations, including low deposits, borrowing constraints, and risk management. Learn how to use subject-to-finance clauses, off-the-plan investing, and timing strategies to build your por...

Ever wondered how banks actually decide whether to approve your loan? In this episode of Wealth Coffee Chats, we break down how lending really works—from risk-based pricing and interest rates to how banks assess your ability to repay. Learn the full loan lifecycle, why different lenders offer different rates, and how brokers help navigate lending policies. A must-watch for anyone serious about pro...

In this episode of Wealth Coffee Chats, we break down three important financial updates investors should understand right now. First, the latest inflation figure of 3.8% and what it could mean for future interest rate decisions from the RBA. Next, a potential South Australian downsizer policy change that could remove stamp duty for eligible homeowners over 60 purchasing a new build. Finally, we ex...

Selecting the right tenant can make or break your property investing results—especially as rental affordability tightens in 2026. This episode breaks down how to reduce vacancy risk, avoid arrears, and make smarter leasing decisions using practical due diligence checks. Learn how tenant demographics, local demand, and rental compliance rules impact your cash flow strategy and long-term wealth stra...

Major changes are coming to Australia’s superannuation tax rules, and high-balance investors need to pay attention. This episode unpacks the updated Division 296 proposal, including the $3M and $10M thresholds, the shift to taxing realised gains (not unrealised), and the introduction of indexation. You’ll also learn why June 30, 2026 is a critical date for SMSF valuations and long-term wealth stra...

Not every stage of the wealth journey is about buying property. In this episode, we explore what investors should do when they want to invest but aren’t financially ready yet. Learn the three key phases of property investing—acquisition, consolidation, and lifestyle—and why patience and strategy are essential for long-term wealth. If you're focused on property investing, finance, and building...

New lending rules and rising interest rates are changing how investors access finance. In this episode, we explain the impact of higher rates, the new debt-to-income (DTI) lending limits, and why borrowing capacity is becoming more restricted for property investors. You’ll learn how lenders calculate DTI, how it affects refinancing and portfolio growth, and the strategies investors can use to navi...

ASX reporting season is here — and it’s one of the biggest drivers of short-term market volatility. In this episode, we break down what reporting season is, why February and August matter, and how earnings, guidance, and dividends impact share prices. You’ll also learn why “good results” can still lead to big sell-offs, plus how to think about diversification as part of a long-term wealth strategy...

Rental markets are tightening again in 2026 — and rents are still rising across Australia’s capital cities. This episode breaks down what’s driving rental growth, how vacancy rates are shaping supply and demand, and why unit rents have been outperforming houses in many locations. You’ll also learn the biggest mistake landlords make during annual rent reviews and how to avoid leaving money on the t...

Many Australians want to start property investing but get stuck on the fear of using home equity. This episode breaks down the real risks (and the myths) around increasing debt, extending loan terms, and protecting your family home. You’ll learn how cross collateralisation can limit your flexibility, how the “all monies clause” works, and a safer wealth strategy using multiple banks. A practical f...

Should you choose interest-only or principal & interest when building a property portfolio? This episode breaks down when each loan type makes sense, how it impacts cash flow and borrowing power, and why your lender’s servicing rules matter more than ever. Learn how smart finance structure can support long-term wealth strategy—especially during the acquisition phase. If you’re focused on prope...

Division 296 is set to introduce major changes to how large superannuation balances are taxed in Australia. This episode breaks down the proposed super tax thresholds, what happens to balances above $3 million, and how death benefits may be impacted from 1 July 2026 onwards. If you’re building long-term wealth through property investing, inheritances, or strategic super contributions, this reform...

Australia is rolling out major AML/CTF Tranche 2 reforms that will significantly impact property investing, finance, and wealth strategy. From 2026, real estate agents, accountants, lawyers, and finance professionals will face mandatory reporting obligations for property transactions and fund transfers. This episode breaks down what these changes mean for investors, complex ownership structures, o...

In this episode, we unpack why education is one of the most powerful tools in property investing—especially when it’s hands-on and in-person. You’ll learn how town planning and bus tours can help you understand real-world opportunities, compare property types, and make smarter wealth strategy decisions with more certainty. We also cover why buyer’s remorse is normal and how ongoing learning and co...

The RBA has lifted interest rates by 0.25%—but what does that actually mean for your mortgage and cash flow? This episode breaks down the real dollar impact on a typical loan, what to expect from interest rates over the next 12 months, and how to stay calm with a smart wealth strategy. Learn practical ways to reduce the impact using offset accounts, loan structure, refinancing conversations, and w...

A new interest rate rise is here—so what does it actually mean for your wealth strategy and different asset classes? In this episode, we break down why rates moved, what the central bank is watching next, and how inflation and employment are shaping the outlook. You’ll also get a practical run-through of how higher rates can impact property investing, shares, cash, bonds, and crypto, plus what to...

Car deductions are one of the most overclaimed—and most audited—areas in Australia, especially for business owners and property investors. This episode explains what you can and can’t claim, how the cents-per-kilometre method compares to the logbook method, and the evidence the ATO expects if you’re reviewed. You’ll also learn why many utes aren’t automatically “exempt,” how the car limit affects...

Why is Brisbane leading Australia’s property market in 2026? In this episode, we unpack the six key drivers of property growth — including interest rates, supply and demand, infrastructure, jobs, politics, and demographics — and explore why South East Queensland is positioned for long-term expansion. With insights into population growth, migration trends, housing shortages, and the $6 trillion int...

With the RBA expected to move rates higher, many investors are asking whether fixed rates belong in their property investing strategy. This episode breaks down how fixed rates work, when they can be worth paying a little extra upfront, and how to hedge interest rate risk by splitting loans. You’ll also learn about rate lock fees, break costs, and how smart loan structuring can support long-term ca...

2026 is kicking off with elevated inflation, rising interest rate expectations, and increased market volatility. In this episode, we unpack what the latest inflation data means for interest rates, finance decisions, and long-term wealth strategy. We also explore how global uncertainty, commodities, currencies, and market sentiment are shaping property investing and financial planning right now. A...

In this episode of Wealth Coffee Chats, we break down the Australian rental market outlook for 2026 and what it means for property investors. With vacancy rates remaining tight and affordability becoming a key pressure point, this discussion explores where rent growth is strongest, which property types are outperforming, and how landlords can stay proactive. If you’re focused on property investing...

ATO audits are becoming more targeted, data-driven, and common for property investors. In this episode, we break down what the ATO is really focusing on, the documents they request, and where investors are most likely to make costly mistakes. You’ll learn how property investing, tax deductions, depreciation, and capital gains are scrutinised — and why preparation and audit insurance are critical p...

What does it really take to rebuild wealth after starting over? In this episode of Wealth Coffee Chats, we unpack a real-world Australian property investing journey focused on long-term strategy, risk management, and smart portfolio structuring. Learn how consistent reviews, diversified property investing, and disciplined wealth strategy can help build toward $150,000 in passive income.

If you were starting your property portfolio again in 2026, where would you begin? In this Wealth Coffee Chats episode, Sara Shome breaks down the exact foundations she’d put in place first — building the right team, mapping a smart lending strategy, and aligning finance, tax, and investment decisions from day one. Learn why structure, cash flow, and ongoing strategy reviews are critical to long-t...