Fat Profits Podcast - Finance, Property & More

In this episode of Fat Profits, Corey and Ben sit down with Justin Picker from Picker Financial.Justin opens up about his own journey from a $180K first property in Logan to a 30-property, $20 million portfolio, what he'd do differently starting from scratch today, and the lessons from jumping into his first commercial property purchase. Plus the usual chat on football, dodgy AFL tickets, and this week's imaginary sponsor.Timestamps 00:00 Intro – Justin Picker00:57 Big Prediction05:47 Headline of the Day16:16 Quickfire Likes & Dislikes with Justin Picker18:18 How the Lending Environment Has Changed in 12 Months19:44 The Macquarie Trust Changes & Getting Your Structure Right21:59 The SMSF Property Crackdown Explained 26:42 Investor, Upsizer or First Home Buyer30:26 The Wealth Creation Playbook for Today's Market 32:54 Justin's Investing Journey35:58 Could Justin Rebuild That Portfolio Starting Today? 47:44 Scenario of the Week52:36 Final Thoughts & Sponsor SegmentWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456. Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

We'll break down a week with a genuine bombshell number in it. Cotality's head of research now says Sydney is headed for its biggest property correction in 40 years, with 93% of capital city suburbs recording a fall over winter. He unpacks CBA's downgraded forecast, the property council's clash with government over what it's calling a "ram raid" on prices, and a fourth budget backdown on the discretionary trust tax. He also flags a $4.5 billion hidden valuation bill hitting property investors ahead of 2027's CGT changes, One Nation's new superannuation policy, the ATO's push to recover $115 billion in unpaid debt, Westpac's Wall Street move, and buried underneath all the doom, genuinely good news in the lending data about who's actually winning market share right now.Timestamps:00:00 Intro00:28 Sydney's Biggest Correction in 40 Years05:57 Another Budget Backdown — The Trust Tax Workaround08:16 The $4.5 Billion Valuation Bill Nobody's Talking About09:51 One Nation's Super Policy Lands 11:13 The ATO Wants Its $115 Billion Back12:44 Westpac's Wall Street Move13:59 Who's Actually Winning the Lending WarFollow Finance with Cozza:Instagram: @financewithcozzaTikTok: @financewithcozzaWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyDisclaimer: This podcast is provided by Source Finance Pty Ltd (ACL 539456) and TGM Accounting Pty Ltd. The information discussed is general information only and does not take into account your personal objectives, financial situation or needs. It does not constitute financial, taxation, credit or legal advice.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In part two of this Fat Profits sit-down, Corey and Ben continue the conversation with Arjun Paliwal, founder of InvestorKit, digging into the backlash over Barefoot Investor Scott Pape's "investor welfare" comments and what the stats actually say about who benefits from negative gearing. Arjun breaks down how InvestorKit has grown into a $2 billion property-buying operation, why chasing someone else's portfolio size is a losing game, and the simple rules — consistency over hype — that have kept him buying property every year since 2015. They also get into yield versus growth, knowing when you've built enough to retire, and a bit of personal chat along the way, including cars, marriage, and whether retiring in your 30s is actually realistic.Timestamps00:00 Intro – Part 2 with Arjun Paliwal05:29 Headline of the Day — Barefoot Investor's "Investor Welfare" Comments14:40 Debunking the Stats — Who Really Benefits from Negative Gearing17:06 Quickfire — Favourite Cars & Getting Married at 2620:32 Could You Retire in Your 30s?25:19 Building a $2 Billion Property Portfolio at InvestorKit32:11 Tailored Strategy & The Power of Forecasting40:54 Why You Can't Copy Someone Else's Portfolio42:43 The Rules Arjun Lives By — Consistency Over Hype47:01 Property, Yield & Knowing When to Retire48:36 Final Thoughts & Sponsor SegmentWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: ⁠https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

Corey unpacks the biggest week yet for Australian property and finance — starting with the collapse of Bathla, a major Sydney developer that owed over $3.5 billion and left 26,000 homes in limbo across 219 projects. He breaks down how the fallout is rattling the private credit sector, with major funds freezing redemptions and regulators calling it the industry's first real stress test. He also covers a hotter-than-expected inflation print that's flipped rate-cut hopes into rate-hike fears, new data showing why Australia's housing pipeline keeps falling further behind target, why the RBA may be structurally unable to rescue the property market this cycle, and why banks are still fighting harder than ever for mortgage customers despite the downturn. He closes with what One Nation's shock WA by-election win says about voter frustration over cost of living. Chapters00:00 Intro00:32 The $3.5 Billion Bathla Developer Collapse07:23 Why Australia's Housing Pipeline Is Falling Apart11:35 Inflation Surprise Flips Rate Cut Hopes to Rate Hike Fears13:37 The $13 Trillion Reason the RBA Won't Save Housing16:10 Banks Are Fighting Harder Than Ever for Your Mortgage 17:35 One Nation's Shock WA By-Election WinFollow Finance with Cozza:Instagram: @financewithcozzaTikTok: @financewithcozzaWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyDisclaimer: This podcast is provided by Source Finance Pty Ltd (ACL 539456) and TGM Accounting Pty LtdThe information discussed is general information only and does not take into account your personal objectives, financial situation or needs. It does not constitute financial, taxation, credit or legal advice. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In this episode of Fat Profits, Corey sits down with Arjun Paliwal, founder of InvestorKit, to unpack the SMSF data scandal that's rocked property investing, where government figures on self-managed super lending turned out to be four times higher than first reported. They dig into what that means for future policy, why self-managed super could be one of the best tools for avoiding the pension, and how young Australians can use property inside their super to build long-term wealth. Arjun also breaks down why crushing property transaction volume has ripple effects across the entire economy, not just real estate, and shares the story of his first investment property, a $970,000 purchase in Glenwood at age 22.Timestamps 00:00 Intro – Inflation Predictions & Arjun Paliwal Joins the Podcast02:36 The SMSF Data Scandal — Government Figures 4x Higher Than Reported05:04 Why Rushed Policy Change Hurts First Home Buyers06:14 Self-Managed Super as a Path to Avoiding the Pension15:01 The Interconnected Economy — How Property Transactions Ripple Through Every Industry 41:52 Advice for the Next Generation of Investors46:21 Arjun's First Investment — $970K in Glenwood at Age 2246:39 Building Wealth as a Family — Living Together & Combining Resources 48:10 Rent-Vesting & Scaling Into Brisbane Property48:42 Final Thoughts & Sponsor SegmentWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: ⁠https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

Corey breaks down some of the biggest financial issues facing Australians right now, from Australia's federal debt hitting $1 trillion and rising government interest costs to falling mortgage applications, weaker lending activity and the growing pressure on renters. He also looks at why more Australian property investors are turning their attention to New Zealand, why wages are failing to keep pace with inflation, and the growing political debate around Australia's $4.5 trillion superannuation system. Rather than simply covering the headlines, Corey looks at what the numbers actually mean, what's driving these changes, and what they could mean for property investors, homeowners, renters and everyday Australians. From government debt and borrowing costs to property, rents and superannuation, this episode breaks down the financial pressures shaping Australia's economy right now.Chapters 00:00 Intro01:23 Australia's $1 Trillion Debt Problem03:56 The Rising Cost of Government Debt05:04 Mortgage Applications Are Falling06:11 What's Happening With Property Lending?07:29 The 30% Rent Increase Warning10:16 Why Australian Investors Are Looking to New Zealand12:02 Wages Are Losing to Inflation13:18 The $4.5 Trillion Superannuation Debate15:18 ATO Changes & SMSF Investment RulesFollow Finance with Cozza: Instagram: @financewithcozzaTikTok: @financewithcozzaWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyDisclaimer: This podcast is provided by Source Finance Pty Ltd (ACL 539456) and TGM Accounting Pty Ltd. The information discussed is general information only and does not take into account your personal objectives, financial situation or needs. It does not constitute financial, taxation, credit or legal advice.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In this episode of Fat Profits, Corey and Jack Fouracre unpack some of the biggest changes hitting Australian property investors from tighter lending and SMSF restrictions to the risks of off-the-plan property.They get into why some investors may be paying too much, how property spruikers make their money, and what could actually be done to bring down the cost of housing.Jack also shares the story of his first property investments, including one that ultimately cost him $100,000 and the lessons he took from it.Timestamps00:00 Intro – Jack Fouracre Joins the Podcast01:38 Epstein, Conspiracies & Controversial Predictions03:18 Are Government Policies Actually Working?07:44 Macquarie's Trust Lending Changes10:34 Tighter Lending & Rental Supply13:12 The Future of SMSF Property Investing14:36 How Can Younger Investors Build Wealth?17:39 Owner-Occupiers – The Best Strategy?19:36 Combining Finances & Building Wealth Together21:10 Prenups, Property & Protecting Your Wealth22:43 Established vs Brand-New Property23:16 The Truth About Property Spruikers23:56 Are You Overpaying for Off-the-Plan?24:49 Why New Property Could Become a Problem27:10 How Would You Fix Australia's Housing Market?27:52 Referral Fees, Taxes & Construction Costs29:17 Could Removing Taxes Cut Building Costs?31:19 Jack's Property Investing Journey32:19 The $100K Property Loss 32:46 Lessons From Getting It Wrong34:10 Final Thoughts & Sponsor SegmentWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: ⁠https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In Episode 22 of Fat Profits, Corey and the team sit down with Tash Invests and Jack Fouracre in Cebu, Philippines, for a wide-ranging conversation about the future of Australian property, investing, taxes and the housing market.The conversation explores whether rents could rise by more than 10%, why investor lending and sentiment are affecting rental supply, whether Australian property prices are likely to fall, and what the Federal Government's recent budget changes could mean for investors, first home buyers and renters.Tash and Jack also share their thoughts on risk, building wealth, property investing, the role of owner-occupied property, and why doing nothing can sometimes be the bigger risk. The group discusses housing affordability, negative gearing, SMSF lending, capital gains tax, stamp duty and whether Australia's current tax system is encouraging the right kind of investment.Timestamps00:00 Intro – Tash Invests & Jack Fouracre Join the Podcast03:00 The Big Prediction – Who Will Win the Next Election?07:04 Rental Armageddon – Are Rents About to Explode?12:02 First Home Buyers vs Property Investors – Who Is the Budget Really For?16:04 Tax, Growth & the Cost of Government Policy18:01 Tash Invests – Social Media, Trolls & Building an Audience20:00 Risk vs Inaction – Should You Still Be Buying Property?22:01 Blocking Out the Noise – Who Should You Listen To?25:16 The Reality of Buying a Home in Today's Market27:08 Are Property Investors Really the Problem?30:00 Fixing Australia's Housing Crisis – What Would Actually Work?33:00 Interest Rates & Government Policy – What Should Happen Next? 35:04 Capital Gains Tax, Business & The Policies They'd Change38:01 The Big Tax Idea – Scrap Income Tax and Raise GST?41:02 How Would You Build Wealth If You Started Again Today?43:00 Career, Property & Bitcoin – What Would They Do at 18?45:04 Final Thoughts & Where to Find the GuestsSpecial guests:Jack Fouracre: https://www.instagram.com/mortgage_freeman_/Natasha Etschmann: https://www.instagram.com/tashinvests/Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: ⁠https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey⁠This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice.Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

Welcome to Episode 21 of the Fat Profits Podcast.This week, Corey breaks down the biggest financial headlines affecting Australians right now—from soaring rents and fuel prices to interest rates, inflation and what the latest government policies could mean for property investors and everyday households. Rather than focusing on the headlines alone, Corey explains what the numbers actually mean, why they're happening, and how Australians can make smarter financial decisions despite the uncertainty. If you're interested in property, investing, business or simply understanding what's happening in Australia's economy, this episode is for you.Chapters00:00 Intro00:32 Australia's Rent Crisis Explained03:14 Fuel Prices Rise Again04:33 Interest Rates & Borrowing Update06:02 Inflation: Good News or False Hope?07:07 Is Australia's Economy Really in Trouble?09:25 What History Tells Us About Property Cycles10:42 Final Thoughts 🎥 Follow Finance with Cozza:Instagram: https://www.instagram.com/financewithcozzaTikTok: https://www.tiktok.com/@financewithcozzaWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyDisclaimer: This podcast is provided by Source Finance Pty Ltd (ACL 539456) and TGM Accounting Pty Ltd. The information discussed is general information only and does not take into account your personal objectives, financial situation or needs. It does not constitute financial, taxation, credit or legal adviceCorey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

Welcome to Episode 20 of the Fat Profits Podcast.In this episode, Corey and Ben unpack one of Australia's biggest financial debates: is the middle class disappearing? The conversation begins by reacting to a viral social media clip about wealth inequality before diving into what really creates wealth, whether the financial system is as "rigged" as some claim, and why building long-term financial security still comes down to discipline, ownership and consistency. Corey also shares his experience of building multiple businesses from the ground up, the financial and emotional pressures of running a small business, and why entrepreneurship isn't as glamorous as social media often makes it seem. Whether you're thinking about starting a business, investing in property, or simply trying to improve your financial future, this episode offers practical insights into the realities of building wealth in Australia.Chapters:00:00 Intro 00:30 Tour de France Predictions02:52 Headline of the Week03:14 Reacting to Punter's Politics12:52 Why the Middle Class Matters14:53 The Reality of Small Business20:37 Why People Don't Start Businesses22:20 Why Corey Chose Business25:03 The Biggest Pressures of Running a Small Business41:48 Scenario of the Week42:00 Starting a Small Business: Where Do You Begin?47:59 The Economics of Small Business53:50 Final Thoughts🎥 Follow Finance with Cozza:Instagram: https://www.instagram.com/financewithcozzaTikTok: https://www.tiktok.com/@financewithcozzaWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyDisclaimer: This podcast is provided by Source Finance Pty Ltd (ACL 539456) and TGM Accounting Pty Ltd. The information discussed is general information only and does not take into account your personal objectives, financial situation or needs. It does not constitute financial, taxation, credit or legal advice.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

Welcome to Episode 19 of the Fat Profits Podcast.In this episode, Corey and Ben are joined by property investor and client Aaron, who shares how he built a portfolio of five property purchases before turning 30 and accumulated approximately $1.4 million in equity through disciplined investing, smart financial decisions and long-term thinking.Aaron opens up about the sacrifices he made in his early 20s, why he prioritised investing over lifestyle spending, the lessons he's learned from building a property portfolio, and why he believes wealth is about creating freedom rather than chasing status. The conversation also explores the latest property headlines, falling auction clearance rates, investor sentiment, government policy, and whether Australia's property market is becoming harder for young people to enter.Whether you're buying your first property, growing an investment portfolio or simply trying to improve your financial future, this episode offers practical insights from someone who has recently walked the path.Chapters00:00 Intro & Guest Introduction01:00 Big Prediction – F1 Championship Picks04:01 Do Falling Auction Clearance Rates Matter?10:09 Are Property Investors Really the Problem?17:02 Quick Fire Questions 17:56 Meet Aaron20:35 How Aaron Bought His First Property at 2325:07 Learning Financial Discipline Early 29:08 The Sacrifices Behind Building Wealth35:06 Working Long Hours to Get Ahead37:53 Saving $180,000 by Age 2341:33 Why Aaron Uses a Buyer's Agent42:22 What Is the End Goal?45:36 What Would Aaron Change?46:27 Lessons From Government Policy Changes47:34 Property Investing Mistakes & Property Managers 49:49 Advice for Young Australians Wanting to Invest50:42 How Aaron Built $1.4 Million in Equity52:21 Being a Landlord Without Being Greedy54:28 Could Aaron Repeat His First Deal Today?57:35 Sponsor of the Week59:36 Final Advice & Wrap UpWork with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios.Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In Episode 18 of Fat Profits, Corey and Ben sit down with award-winning buyer's agent and property investor Kev Tran to discuss the current state of Australia's economy, property market and tax system.The conversation explores whether Australia is still rewarding hard work and entrepreneurship, the impact of proposed tax policies including Capital Gains Tax (CGT) and negative gearing, the future of property investing, SMSF lending, and what the next decade could look like for Australian investors. Kev also shares his journey to building one of Australia's leading buyer's agencies, why buyer's agents continue to grow in popularity, and the principles he believes every investor should understand before buying property.Whether you're a property investor, business owner, first home buyer or simply interested in Australia's economic future, this episode offers an honest discussion about the policies, challenges and opportunities shaping Australia's next decade.Timestamps00:00 Introduction to Kev Tran01:45 Bold Prediction03:24 Headlines – SMSF Lending Is Out21:09 Will Labor Win the Next Election?28:20 Like or Dislike?29:48 Kev Tran's Career as a Buyer's Agent34:21 Why Are Buyer's Agents Good?42:00 Working With Clients as a Buyer's Agent45:30 Dashdot47:10 Is More Regulation for Buyer's Agents a Good Thing?49:10 Negative Gearing's Impact on the Economy52:06 The Art of Being a Buyer's Agent55:00 Where Will Property Be in 2036?57:00 Investor Story1:04:00 Where Can You Find Kev Tran?Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyFollow Kev Tran: • LinkedIn: https://www.linkedin.com/in/kevtranbuyersagent/• Instagram: https://www.instagram.com/kevtran___/• YouTube: ⁠ https://www.youtube.com/@Kev_Tran⁠This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In Episode 17 of Fat Profits, Corey and Ben sit down with Julian Fayad, CEO of LoanOptions.ai, to discuss the viral "Albo 47%" campaign that sparked a national conversation around the Federal Government's proposed Capital Gains Tax (CGT) changes.Julian shares the story behind the campaign, why he believes the proposed tax changes will impact everyday Australians, and why he's chosen to publicly speak out on behalf of business owners, investors and families. The conversation explores entrepreneurship, building one of Australia's leading fintech businesses, the challenges of growing a company, and the importance of creating wealth rather than taxing it.Timestamps00:00 Intro01:43 Bold Prediction – How Many Seats Will One Nation Win?10:15 Headlines – Albanese's Property, Tax Changes & Transparency 19:13 Deep Dive – Is Australia Still Rewarding Hard Work?28:03 Quick Fire Questions with Julian Fayad29:57 Julian Fayad's Business Journey 39:27 Why Julian Is Speaking Out51:03 Will Negative Gearing Changes Help First Home Buyers?54:15 Can Australia Create Wealth Again? 59:45 Final ThoughtsWhether you're a property investor, business owner, first home buyer or simply interested in Australia's economic future, this episode provides an honest discussion on one of the biggest policy debates facing the country.Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice.Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In Episode 16 of Fat Profits, Corey and Ben explore whether the Australian Dream has changed and what home ownership looks like for Australians today.With rising property prices, changing lifestyles and evolving investment strategies, is owning the family home still the ultimate goal, or are more Australians choosing a different path?The conversation also covers proposed changes to negative gearing, whether those changes would actually encourage more new home builds, the growing popularity of rentvesting, and a headline-making story about a single mum purchasing property where the full story may not have been what it first appeared.We cover:• Has the Australian Dream changed?• Will changes to negative gearing encourage more new home builds?• The story behind a widely shared property headline• What is rentvesting, and when could it be the right strategy?• An investor success story• Sponsor of the Week00:00 Intro01:06 Bold Prediction – Will Negative Gearing Changes Encourage New Builds?04:23 Headlines – The Single Mum Property Story12:05 Deep Dive – The Australian Dream25:38 What If? – Rentvesting29:54 Investor Story33:21 Sponsor of the WeekWhether you're a first home buyer, property investor or simply interested in Australia's changing property market, this episode offers practical insights into the opportunities, challenges and strategies shaping today's housing landscape.Work with Mortgage Brokers who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In this episode of Fat Profits, Corey and Ben take a deep dive into one of the most talked-about investment strategies in Australia – using a Self-Managed Super Fund (SMSF) to invest in property.Whether you're considering purchasing property through your super or simply want to understand how SMSFs work, this episode breaks down the opportunities, risks, and common misconceptions surrounding this investment strategy. We cover:• What a Self-Managed Super Fund (SMSF) is • How property investing through an SMSF works • SMSF Success stories • Common mistakes people make when setting up an SMSF• Who an SMSF property strategy may (and may not) be suitable for• The importance of building the right professional team around you00:00 Intro00:54 Bold Predictions - 2026 FIFA World Cup02:49 Headlines - Corey and Ben run for Prime Minister (Housing Reforms)20:25 Deep Dive - Self Managed Super Fund (SMSF) 25:53 Investor Stories - Successful SMSF Stories 31:50 Sponsor Break33:54 PunishmentIf you've ever wondered whether property investing through your super could form part of your long-term wealth strategy, this episode provides a practical overview of the key concepts and considerations before taking the next step.Work with Mortgage Brokers who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

In this episode of Fat Profits, Corey and Ben take a deep dive into what aggressive property investing looks like in 2026.With lending policies changing, borrowing power tightening, and many investors feeling uncertain, we unpack where the opportunities still exist and how smart investors can position themselves for growth.We cover:• The biggest changes happening in the lending market• Why cashflow matters more than ever• The mistakes investors are making right now• First-home buyer opportunities and risks• How to think about debt, growth, and risk in 2026• The strategies we're seeing work in today's market00:00 Intro01:17 Bold Prediction04:22 Coalition vs Labor06:30 Headlines08:05 Current Housing Policy11:27 One Nation Housing Policy12:00 Housing Decline14:24 Property Investor Share of market21:28 Deep Dive23:21 Risk Appetite in 202627:00 Sacrifices for a property portfolio33:52 What if?39:40 Investor StoryIf you're serious about building wealth through property, this episode will help you understand where the market is heading and how to stay ahead of the curve.

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyIf you're self-employed and the bank keeps saying no — the problem isn't your income. It's how you're presenting it. And chances are, your business structure is either helping you or destroying you, and you don't even know which one it is 😬This is one of the most common issues Corey and Ben see — self-employed people earning great money but getting knocked back by lenders because their tax is structured wrong, their income is reported wrong, or their business entity is working against them instead of for them 💰In this episode, Corey Goldby and Ben Perren go deep on the self-employed lending game — what the banks actually look at, why your accountant's "great tax strategy" might be killing your borrowing power, and how to fix your structure so it becomes your superpower, not your anchor 🧠Here's what we cover: 💼 Why most self-employed people get their income and tax completely wrong for lending 🏦 What banks actually look at when assessing self-employed borrowers 📊 Business structures explained — sole trader vs company vs trust and how each affects your borrowing 💰 How the right structure can unlock lending power you didn't know you had 🧾 Tax planning that keeps the ATO happy AND the banks happy (yes, you can do both) 📈 Property market predictions for the next 10 years — why Corey thinks prices will more than double 🏠 How to use your business income to build a property portfolio the smart way ⚖️ Capital Gains Tax and how it affects self-employed investors differently 🔮 The 10-year outlook — where property, rates, and policy are heading 💡 The conversation you need to have with your accountant BEFORE tax timeBen drops a truth bomb — "Business structure can be a superpower in lending" — and most self-employed people have never even thought about it that way. Your structure isn't just a tax thing. It's a lending thing, a wealth thing, and a retirement thing. Get it right and everything else gets easier 👊Whether you're a tradie, a freelancer, running an agency, or building a business from your garage — if you want to buy property, this episode is non-negotiable. The strategies in here could be the difference between getting knocked back and getting approved.💬 Self-employed crew — what's been your biggest frustration dealing with banks? We know you've got stories. Drop them below 👇🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts! 👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.Chapters 00:00 Introduction to Self-Employment and Market Predictions 04:32 Understanding Self-Employment and Tax Implications 18:45 Navigating Property Investment as a Self-Employed IndividualThis is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This Information is general information only and not personal advice. Please seek credit advice and tax advice or financial advice where appropriate.Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit License 539456. Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit License 539456.

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyMost real estate agents tell you what you want to hear. Liam Cromarty tells you what you NEED to hear. And after 10+ years in Newcastle’s property market, what he has to say might change the way you buy, sell, and invest forever 🏠🔥 In this episode, Corey & Ben sits down with gun Newcastle real estate agent Liam Cromarty — the kind of agent the industry doesn’t produce enough of. No fluff, no sales pitch, just straight-up insights on what’s really happening in the market, where the value is hiding, and the mistakes he sees buyers and investors making every single day📈 Whether you’re a first home buyer wondering how to get in, an investor hunting your next deal, or someone who’s been burned by bad advice before — Liam’s the guy you wish you’d spoken to first. Here’s what we get into:🔍 What Liam looks for in a property that most buyers completely miss📈 Newcastle’s property market — why it’s doubled every decade and where it’s heading next 🏡 First home buyer strategies — how to get on the ladder smarter, not harder 🔨 Adding value through renovations — what’s worth it and what’s a money pit🤝 How to present offers that actually get accepted — straight from the agent’s mouth💰 When to use a buyers agent and when you’re wasting your money🏗️ Future developments in Newcastle and what they mean for property values🧠 How to choose the RIGHT agent — and the red flags that tell you to run⏰ Market timing — when to sell, when to hold, and when to go again📊 Capital gains tax and how it affects your strategy📖 Liam’s personal investment journey — 10+ years of lessons in one conversation Liam drops a line in this episode that every buyer needs to tattoo on their arm — “Choose an agent who tells you what you NEED to hear, not what you WANT to hear.” That one sentence is the difference between building wealth and getting sold a dream👊 Newcastle has been quietly making people rich while everyone’s fighting over Sydney and Melbourne. If you’ve been sleeping on this market, Liam’s about to wake you up.💬 What’s the best (or worst) thing a real estate agent has ever told you? Drop it below 👇🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts!👉 Don’t forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we’d love to hear from you.#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #Newcastle #Renovation #AddingValue #FirstHomeBuyer #PropertyMarket #RealEstateTips #SweatEquity #RegionalPropertyThis video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyThis is not a normal episode. This is an emergency 🚨Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey This is not a normal episode. This is an emergency 🚨 The 2026 Australian Federal Budget just dropped and it's a game-changer for every single property investor in the country. Negative gearing changes, capital gains tax adjustments, family trust restructuring, lender policy shifts — it's all happening at once and most investors have no idea what to do next.This is the episode you send to every investor you know. Seriously. Forward it now.Here's what we break down: 🚨 The negative gearing changes — what's been scrapped, what's grandfathered, and who gets hit 💰 Capital gains tax adjustments — how this affects your selling strategy 🏦 Lender policy changes — borrowing capacity just shifted overnight 📉 Interest rates and the economic outlook — where the RBA goes from here 🏛️ Government policy vs investor reality — who these changes actually help 🔍 How assessment criteria are changing for sophisticated and high-net-worth investors 📊 LVR adjustments and how banks are managing risk right now 🇳🇿 Lessons from New Zealand — they did this already and here's what happened 🏡 Opportunities for owner-occupiers — why this could actually be YOUR window 💼 SMSF and commercial property — the doors that just opened while everyone's panicking 📐 What's happening to pre-approvals and investor borrowing power right now 🔮 Property price predictions for the next 12-24 monthsHere's what most people won't tell you — yes, the landscape just changed. But every major policy shift in history has created a wave of opportunity for the people who move fast and think clearly. The investors who panicked during the GFC, during COVID, during every rate hike cycle — they lost. The ones who understood what was happening and repositioned? They built generational wealth 👊Corey and Benny Boy cut through the hysteria, address the real risks, and lay out a clear plan for what to do whether you're holding existing properties, looking to buy, or wondering if you should pull the pin entirely. Spoiler — don't pull the pin.This isn't the time to freeze. This is the time to get informed and get moving 🔥💬 How are you feeling after the budget? Confident or concerned? Drop your honest reaction below 👇🎧 New episodes every Wednesday at 6am — but emergency episodes drop whenever the market demands it.👉 SUBSCRIBE and turn on notifications so you never miss a breaking update.Chapters 00:00 Introduction to the Emergency Podcast 02:04 Current Economic Landscape 05:54 Government Policy Changes and Predictions 10:09 Opportunities in the Market#AustralianBudget2026 #NegativeGearing #PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #CGT #SMSF #InterestRates #FederalBudget #PropertyMarket #EmergencyPodcast #FatProfitsPodcast #BudgetReactionCorey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd ACN 657 912 868 ("Source Financial") Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyOR contact us on [email protected] one's going to sting. But you need to hear it 🔥 You say you want to buy a house. You say you're "saving." But then you're spending $7 on coffee every morning, ordering UberEats three nights a week, and subscribing to six streaming services you don't even watch. Sound familiar? That's not saving. That's pretending to save while your deposit sits at the same number it was six months ago 😬In this episode, Corey and Ben lay it all out — the real cost of your daily habits, why fuel alone is eating your deposit, and the uncomfortable truth about what it actually takes to save for a home in today's market. No sugarcoating, no "you're doing great sweetie" — just the reality check most people need but nobody wants to give them 💰Here's what we get into: ⛽ Fuel price predictions — will it ever drop below $2 again? (Spoiler: no.) 💸 The discretionary spending that's silently killing your deposit ☕ How small daily costs add up to tens of thousands per year 💰 Strategies for actually saving — side hustles, cutting costs, and being honest with yourself 👫 Why you need to have the money conversation with your partner NOW 📊 How your expenses directly impact your borrowing capacity 🧠 Financial discipline vs financial excuses — which side are you on? 🏠 James and Hermione's real home buying journey — the wins and the wake-up calls 📉 Interest rates and what they mean for your buying timelineCorey and Ben don't hold back on this one. They talk about parental support, the reality of saving without a head start, and why accountability is the missing piece for most people who "can't afford" a house. The truth is — most people CAN afford it. They just can't afford their lifestyle AND a house at the same time 👊Whether you're saving for your first deposit, wondering why you're not getting ahead, or you know someone who needs this wake-up call — send them this episode. Seriously.💬 What's the one expense you KNOW you should cut but won't? Be honest in the comments 👇Chapters 00:00 Introduction and Predictions on Fuel Prices 03:07 Navigating Home Buying: Parental Support and Saving Strategies 05:53 The Reality of Saving for Property 08:55 Understanding Borrowing Capacity and Financial Discipline 12:02 Discretionary Spending: The Hidden Costs of Lifestyle Choices 14:59 The Importance of Accountability in Financial Decisions 17:57 Scenario Analysis: James and Hermione's Home Buying Journey 20:48 The Impact of Interest Rates on Home Buying 24:10 Final Thoughts and Call to Action#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #SavingForAHome #FinancialDiscipline #BorrowingCapacity #FuelPrices #FirstHomeBuyer #PersonalFinance #moneyhabits This video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456 Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyYour property is growing in value right now. The question is — who's benefiting from it? Because if you're just sitting in your home making repayments and doing nothing with the equity building up inside it... someone else is winning from the growth you're sleeping on 😬Most Australians own one property and stop there. They think they're "in the market" — but the truth is, they're barely scratching the surface of what their property could be doing for them. Meanwhile, the investors who understand equity release, valuations, and structure are using that same growth to buy their second, third, and fourth properties 💰In this episode, Corey and Ben break it all down — where property prices are headed, why equity is the most misunderstood asset in Australia, and how the right investment structure can completely change your borrowing power and your future 🏠Here's what we get into:🏘️ Property market predictions — why prices are likely to keep climbing 💰 The equity sitting in your home and how to actually put it to work 📊 Why valuations matter more than you think and how they affect your next move 🏦 Investment structures — how the wrong setup is keeping you stuck 🔑 The journey from one property to a real portfolio — step by step 📖 Real investor stories — people who bought at the right time and what they did differently 🧠 Why "don't wait" isn't just a slogan — it's backed by decades of data ⚡ How to engage with the right professionals to fast-track your strategyCorey says it best — "Don't wait, don't wait, don't wait." Property has historically rewarded the people who take action, not the ones who sit around waiting for the perfect conditions. The perfect conditions don't exist. But the right strategy does 👊Whether you're an owner-occupier who's never thought about your equity, someone stuck on one investment property, or just getting started and wondering when to jump in — this episode lays out exactly what to do next.Oh, and there might be something about bribing people with sausages. You'll have to listen for that one 😂💬 Real talk — how many properties do you own? And what's stopping you from getting the next one? Drop it in the comments 👇🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts! 👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.Chapters 00:00 Introduction to Property Finance 02:52 Market Predictions and Property Prices 05:56 Understanding Equity and Valuations 09:10 Investment Structures and Strategies 12:02 The Journey to Second Property Investment 14:57 Investor Stories: Buying at the Right Time 18:01 Navigating the Property Market 20:54 Conclusion and Future Insights#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #EquityRelease #PropertyValuations #InvestmentStructure #PropertyPortfolio #FinancialFreedom #PropertyGrowthCorey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd ACN 657 912 868 ("Source Financial") Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyWhat if one conversation could unlock $200K in borrowing power you didn't even know you had? Sounds too good to be true — but it's not. Most people never ask. And that's exactly why they stay stuck 💰In this episode, Corey and Ben unpack the strategies that actually move the needle on your borrowing capacity — from the simple stuff like asking for a pay rise (seriously, just ask) to the things nobody talks about, like how your relationship status, your kids, and your spending habits are quietly destroying your ability to borrow 🏠We also get into some wild real-life investor stories, including one that'll make you rethink what's possible when you stop playing it safe and start playing it smart 🔥Here's what we cover: 💰 The $200K borrowing hack — how one simple ask changed everything 📈 Why a pay rise is the fastest way to boost your borrowing power 💳 The types of debt that are secretly tanking your capacity 👫 How your partner (and your kids) affect what the banks will lend you 🏡 Rent vesting — why living where you want and investing where the money is actually works 📊 How to decrease expenses on paper and in reality to unlock more lending 🤯 Extreme investor success story — this one's going to blow your mind 📐 Scenario of the week: high-value equity growth breakdownCorey drops a truth bomb in this one — "you can't get rid of a kid" — but you CAN restructure everything around your life to maximise what the banks will give you. It's not about earning more, it's about positioning smarter 🧠Whether you're trying to crack into the market, looking to add to your portfolio, or just wondering why the bank keeps saying no — this episode shows you the levers you didn't know you could pull 👊💬 Have you ever asked for a pay rise specifically to boost your borrowing power? Drop your story below 👇🎧 New episodes every Wednesday at 6am on YouTube, Spotify, Apple OR anywhere you listen to podcasts!Chapters 00:00 Introduction and Podcast Purpose 01:21 Predictions for the 2027 Federal Election 04:38 Key Strategies to Make Property Investment Easier 08:29 How to Increase Income for Borrowing Power 12:45 Decreasing Debt and Managing Expenses 17:10 Scenario of the Week: High-Value Equity Growth 23:03 Coffee Sponsorship and Future Plans 24:44 Extreme Investor Success Story 29:31 Lessons on Building Wealth and Portfolio Growth 30:48 Closing Remarks and Next Steps#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #BorrowingPower #MortgageHack #RentVesting #PropertyFinance #FinancialFreedom #InvestorStoriesThis video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://calendly.com/coreygoldby/disoverycallContact us here: [email protected] says "wait for the right time." Corey and Ben sat down and actually ran the numbers on what waiting costs you...and it's ugly. Really ugly 😬Here's the reality, banks are opening up, deposits are dropping to as low as 2%, and property in key markets has been doubling within five to ten years. Meanwhile, the people sitting on the fence watching are getting further behind every single month. We're not saying this to scare you. We're saying it because we've done the math and the numbers don't lie 📊💰In this episode, Corey and Ben break down exactly where the market is heading, why getting in NOW matters more than getting in perfect, and the real strategies that are turning everyday Aussies into property millionaires 🏠Here's what we get into: 🔥 Why waiting to buy is the most expensive decision you'll ever make 🏦 Banks are loosening up — 2% deposits and new lending policies explained 📈 How a $500K property today could change your life in 10 years 💰 The couple who built $1.2M in equity in just one year — how they did it 🔨 Sweat equity and renovations — adding value the smart way 🎯 Setting real goals with real timelines (not just "one day I'll invest") 🏖️ Cash flow strategies that lead to actual freedom, not just more debt 🧠 Why the first purchase is the hardest — and why that's exactly the pointCorey shares his own journey from first property to financial freedom, and Ben brings the sharp questions that every buyer should be asking right now. Together they prove that the best time to buy was yesterday — but the second best time is today 👊Whether you're 25 and saving your first deposit, a homeowner who's never touched their equity, or an investor wondering if there's still room to grow — this conversation is the kick you didn't know you needed 🔥💬 Be real with us — are you in the market right now or still waiting? Drop your situation in the comments, we read every single one 👇🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts!👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.Chapters 00:00 Introduction to Property Finance and Positive Outlook 01:23 Predictions for Buyers in the Property Market 03:12 Best Case Scenarios for Property Investment 06:03 The Importance of Setting Goals in Property Investment 09:18 Finding Freedom Through Wealth and Purpose 11:08 Scenarios of the Week: Refinancing and Equity Release 17:23 Investor Stories: Personal Experiences and Lessons Learned#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #BuyNow #FirstHomeBuyer #EquityRelease #PropertyGrowth #CashFlow #FinancialFreedomThis video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey Let's be real — if you haven't stress tested your mortgage in the last 6 months, you're flying blind. Rates are moving, inflation isn't slowing down the way they promised, and building costs are about to jump 25-30%. That's not fear-mongering — that's what the data is saying 📊 Most people won't prepare until it's too late. This episode is for the ones who'd rather be early than sorry 🧠 Corey breaks down the economic signals you should actually be paying attention to right now, what the RBA is doing behind the scenes, and the moves smart Australians are making while everyone else is doom-scrolling the news 💰 Here's the rundown: ⚡Rate hikes — what's coming next and how it hits your repayments 🛒 The real cost of living crisis — why it feels worse than the CPI says 🏗️ Building costs about to spike — what this means for property values 🏦 Banks are cracking down on mortgage fraud — are you exposed? 🤖 AI is replacing jobs faster than you think — how to stay relevant 📉 Recession talk — is it actually coming and how do you profit if it does? 🔐 The step-by-step to recession-proofing your finances starting today This isn't doom and gloom. Yeah, things are shifting — but every economic shake-up creates opportunities for the people who are actually paying attention. Corey shows you where to look and what to do next 🔥 💬 Real talk — are you feeling the squeeze right now? Drop a comment and tell us what's hitting your household the hardest 👇 🎧 New episodes every Wednesday at 6am on YouTube, Spotify, Apple OR anywhere you listen to podcasts! 👉 Don't forget to FOLLOW, and leave us a comment — we'd love to hear from you. Chapters 00:00 Economic Signals and Interest Rates 03:12 Cost of Living Crisis and Inflation 05:58 Mortgage Fraud and Banking Scrutiny 08:49 Preparing for Economic Changes #PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #InterestRates #Inflation #MortgageStress #RBA #CostOfLiving #Recession #BuildingCosts Fat Profits Podcast https://www.instagram.com/fatprofitspod/ Corey Goldby https://www.instagram.com/financewithcozza/ Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd ACN 657 912 868 ("Source Financial") Australian Credit Licence 539456

Work with MORTGAGE BROKERS who investment themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey The government's eyeing your profits. CGT changes, immigration shifts, interest rate moves — there's a lot happening right now and most investors are either ignoring it or panicking. Neither is the move 🚨 In this solo episode, Corey breaks down what's actually going on in the Australian property market, cuts through the media noise, and lays out what smart investors should be doing right now to protect and grow their portfolios 💰🏠 Here's what we get into: 🔴 Will the Capital Gains Discount actually get scrapped? What it means for you if it does 📉 Interest rates — where they're headed and how to position yourself 🛬 Immigration pullbacks and why property prices are STILL climbing 🏛️ Government housing policies — who they're really helping (spoiler: probably not you) ⚔️ How to stay competitive when everyone's sitting on the sidelines 🧠 Why now is the time to review your portfolio, not hide from it Property prices continue to grow even when the headlines say otherwise. The investors who win aren't the ones who wait for certainty — they're the ones who move while everyone else is frozen 👊 Whether you're holding, buying, or thinking about your first investment — this episode gives you the real picture so you can make moves with confidence.🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listed to podcasts!Chapters 00:00 Introduction to Property Finance and Current Headlines 02:51 Capital Gains Tax and Its Implications 05:45 Immigration's Role in Housing Market Dynamics 07:10 Interest Rates and Economic Outlook 09:32 Market Competition and Investment Strategies #PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property Source Financial https://sourcefinancial.com.au/ [email protected] https://www.instagram.com/sourcefinancialau/ https://www.facebook.com/source.financial/ TGM Accounting https://tgma.com.au/ [email protected] https://www.instagram.com/tgm_accounting/?hl=en https://www.facebook.com/tgmaccounting/This video is provided by Source Finance (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who investment themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyYour property team can make or break your investment journey. In this episode we break down how to pick the right people, the red flags to watch for, and why trust matters more than anything 🏠💰 Think about it — you could find the best deal on the market, but if your broker's asleep or your accountant doesn't get your strategy, it can all fall apart. We've seen it happen and we're not letting it happen to you 👊What we cover: 🧠 Why the right team is just as important as the right property 📊 How the current market demands a team that's actually switched on ❓ The key questions to ask your broker, accountant & buyers agent BEFORE you commit 🚩 Red flags that should have you running the other way 🤝 Why trust and honest communication set you up for long-term wins 📈 How a good team helps you adapt when the market shifts 🎯 The difference between a team that sells you a deal vs one that builds you a portfolioWe get real about the mistakes we've seen investors make — not because they picked the wrong property, but because they had the wrong people advising them. Your team should be challenging you, planning ahead for you, and picking up the phone when it matters 📱Whether you're just getting started or you've already got a few properties and you're wondering if your current team is cutting it — this one's for you 🏡 💬 Drop a comment — what's the best (or worst) advice you've ever gotten from someone on your team? We wanna hear the stories 👇🎧 New episodes every Wednesday at 6am on YouTube OR anywhere you listed to podcasts! 👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.Chapters 00:00 Introduction and Sponsorship Call 01:05 Predictions for the 2026 NRL Final Series 03:51 The Importance of the Right Team in Property Investment 05:00 Questions to Ask When Building Your Investment Team 07:17 Trust and Integrity in Property and Finance Professionals 09:33 The Value of Having Options and a Flexible Strategy 11:14 The Role of Accountants and Financial Advice in Property 13:23 The Power of Good Conversations with Your Team 14:19 A Current Horror Story: COVID-Related Property Development Challenges 17:00 Lessons from a Property Development Nightmare 18:50 The Future of Property Development and Government Policy 19:20 Call for Local Sponsors in Port MacquarieCorey Goldby https://www.instagram.com/financewithcozza/ https://www.tiktok.com/@financewithcozzaSource [email protected]://tgma.com.au/TGM [email protected]://sourcefinancial.com.au/

Work with MORTGAGE BROKERS who investment themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyProperty investing sounds simple — buy a house, watch it grow, retire rich. But the reality in 2026? It's a different game. In this episode, we sit down with Ben to break down his property investment Journey and with Corey what's actually happening in the property market right now, how the lending environment has shifted, and what you need to do BEFORE you even think about buying. Whether you're a first-timer trying to crack into the market or you've already got a couple of properties under your belt, this one's packed with stuff you can actually use.We get into: 🏠 What the 2026 property market actually looks like (not the headline version) 💰 How to figure out your real borrowing capacity 🏦 Why your choice of bank matters more than you think 📈 The 6.8% growth rate — what it means and what it doesn't 🔨 Flipping properties — when it works and when it burns you 🧠 Building an investment mindset (not just an investment portfolio)💬 Drop a comment and tell us — are you team "buy and hold" or team "flip it"?🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listed to podcasts!👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.Corey Goldbyhttps://www.instagram.com/financewithcozza/https://www.tiktok.com/@financewithcozzaSource Financial [email protected] TGM Accounting [email protected] This video is provided by Source Finance (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456 Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who investment themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-surveyIn this episode, Corey breaks down the recent changes shaking up the lending landscape — from new debt-to-income ratios to tighter restrictions on trust and company lending. Plus, we unpack what rising inflation really means for property prices, mortgage rates, and whether Australia is heading toward a housing market bubble.📌 Key Takeaways: Know the lending landscape — the rules have changed and what worked before might not work now Build a team you trust — mortgage broker, accountant, and buyer's agent Have a clear strategy before you invest a single dollar🎧 New episodes every Wednesday at 6am!00:00 Introduction to Current Investment Headlines 00:33 Debt to Income Ratio Changes and Impacts 03:15 Trust and Company Lending Dynamics 04:14 Inflation Trends and Interest Rate Predictions 06:54 Housing Market Insights and Predictions#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #propertyCorey Goldby https://www.instagram.com/financewithcozza/ https://www.tiktok.com/@financewithcozzaSource Financial https://sourcefinancial.com.au/ [email protected] https://www.instagram.com/sourcefinancialau/ https://www.facebook.com/source.financial/ https://www.tiktok.com/@sourcefinancialTGM Accounting https://tgma.com.au/ [email protected] https://www.instagram.com/tgm_accounting/?hl=en https://www.facebook.com/tgmaccounting/This video is provided by Source Finance (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://calendly.com/coreygoldby/disoverycall1. Understand the Market Dynamics The importance of knowing the lending environment "Investment lending these days is like comparing a GP dealing with a flu to heart surgery."2. Build a Reliable Support Team Having a trustworthy team can make all the difference in your investment journey. - Why this matters: A well-rounded team provides diverse insights and guidance tailored to your financial goals. - How to do it: Assemble a team that includes a mortgage broker, accountant, and buyer's agent. - Example from transcript: Corey mentions, "If you're looking to build a portfolio, there's got to be some type of plan," emphasizing the need for a strategic approach supported by knowledgeable professionals. - Common mistake: Relying solely on friends or family for advice can lead to misguided strategies. 3. Develop a Clear Investment Strategy Having a well-defined strategy is essential for long-term success. - Why this matters: A clear strategy helps you stay focused and make decisions aligned with your goals. - How to do it: Define your investment goals, budget, and preferred property types. - Example from transcript: Corey notes the importance of having a plan, stating, "The goal and the plan can change, but the ultimate goal is still the same." - Common mistake: Jumping into investments without a strategy can lead to unnecessary risks and losses. #PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property Source Financial 🔗 www.sourcefinancial.com.au 📩 [email protected] TGM Accounting 🔗 www.tgma.com.au 📩[email protected] This video is provided by Source Finance (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456 Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456