Fat Profits Podcast - Finance, Property & More

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