P.O.W.E.R Property Ownership Wealth and Everything Related

Asset finance is one of the most practical funding tools available to SMEs — but it’s often misunderstood or overlooked when businesses are planning their next move.In this episode of the P.O.W.E.R. Podcast, Melissa Ashcroft is joined by James Ross from Jayar Finance, an asset finance specialist with more than 20 years’ experience across the industry. James breaks down where asset finance fits in the real world, why structure matters just as much as pricing, and how businesses can fund vehicles, equipment, technology and other operational assets while protecting cashflow and keeping flexibility where it counts.They also talk about the lessons James has learned over two decades in business — what holds up through cycles, what strong lending relationships look like, and how to keep decisions grounded when conditions change.The conversation also touches on Compass Finance Australia and Compass Aggregation — a broker business built to support specialist asset finance brokers operating in the SME market, with a unique lender panel across bank, non-bank and specialist cashflow lenders. The focus is on helping broker members grow while keeping the end customer’s business growth front and centre.A valuable listen for business owners, operators and brokers who want a clearer view of how asset finance can support business momentum without unnecessary pressure on cashflow. Hosted on Acast. See acast.com/privacy for more information.

Motus Transport founder Andy Harris joins P.O.W.E.R. for an honest conversation about building and scaling a modern transport and distribution business - from the early days when the entire team consisted of himself and his wife, to leading a growing operation delivery from Huskisson on the NSW South Coast to Hervey Bay in QLD.Andy and Melissa talk about what it takes to stay nimble in a challenging climate (including rising costs and fuel pressures), how to keep service standards high as you grow, and why strong culture is more than a buzzword. They also explore the parallels between a high-performing sporting team and a high-performing workplace - leadership, accountability, and showing up for the group when it counts.A great listen for business owners, operators, and anyone interested in how sustainable growth is built in the real world. Hosted on Acast. See acast.com/privacy for more information.

Women retire with around 28% less super on average - and that gap doesn’t close on its own. In this episode of the P.O.W.E.R. Podcast, Melissa Ashcroft sits down with Lucy Kough, the creator and founder of start up Tap the Gap, a platform designed to help women build wealth for retirement through incremental behaviour: small, consistent contributions that add up over time.With International Women’s Day this Sunday, 8 March, the conversation is especially timely. This year’s IWD campaign theme, "Give To Gain,” fits the Tap the Gap mission perfectly - giving yourself a simple system that helps you take control and gain long-term financial independence.Lucy runs through how Tap the Gap works in real life:* how you can link a card/account once and keep spending as normal* how “round-ups” and micro-contributions can flow into super without feeling overwhelming* how the platform uses open banking (and what that means for security and consent)* why confidence and financial literacy often come from small wins, not big leaps* what it looks like to start taking ownership of your wealth, even if you’re time-poor, part-time, on leave, or just trying to get back on trackThis isn’t about perfection or drastic changes. It’s about making super feel visible, manageable, and part of everyday life by giving women more power through knowledge, simple systems, and consistent action.If you'd like to learn more about Tap the Gap, make sure you attend their upcoming event on 19 March, link to get your tickets below.Make sure you're subscribed here for more conversations across property, business, wealth, leadership, and the real-world habits that shape outcomes. Find out more about Lucy Kough here: https://au.linkedin.com/in/lucy-kough-70203389Tap the Gap:https://www.tapthegap.com.au/Less, Actually event:https://luma.com/4vn5qzwpFrollo - Open Banking platform:https://frollo.com.au/ Hosted on Acast. See acast.com/privacy for more information.

AAA’s newest accredited broker Monique Henderson joins Melissa for an honest chat about her path into broking, what brought her to AAA, and why she’s really clicked in her role working with people all day, thinking on her feet, and finding smart solutions.She talks about the accreditation process, the support that she received, and what she learned along the way. They also chat about the importance of clear communication, what she enjoys about working in a high-standard team, and why the broker-client relationship can make a big difference to the overall experience.They also unpack the idea of “good debt” (Melissa's favourite!) and why it shouldn’t automatically be feared, plus Monique’s view on delivering the same level of care and service no matter the size or type of loan.If you’re curious about what broking looks like day-to-day, how to grow into the role with the right support, or what it’s like building a career as a woman in finance, this one’s well worth a listen. Hosted on Acast. See acast.com/privacy for more information.

John Macalyk — Four Decades in FinanceAAA’s founder (est. 1988) and MFAA Life Member John Macalyk joins Melissa to reflect on 40+ years in lending: the cycles he’s navigated, why he moved into commercial deals, and the lessons that endure. It's a fascinating conversation on building a business, staying customer-first, and finding balance along the way from someone that has done it, and done it consistently well. It's ideal listening for brokers, lenders, founders and anyone curious about how the industry really works. Hosted on Acast. See acast.com/privacy for more information.

Carly Chant is a CFO in a male-dominated role and industry. But the CFO seat is changing - less backward-looking, more about strategy, culture and decision-making - and she’s here for it.Melissa speaks with Carly about building confident, high-trust teams, partnering on strategy, practical ways to adopt AI without losing human judgement, and why she left audit to drive real change. They also talk (very candidly!) how becoming a working mum reshaped her view of genuine flexibility, and the importance of visible female leadership - and why she chooses to be uncomfortable in order to be part of the solution.If you're a woman carving a path into traditionally male-dominated roles this is a must listen. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the P.O.W.E.R. Podcast, Melissa sits down with Blake Buchanan from Specialist Finance Group (SFG), AAA’s aggregator, to unpack how aggregation works, what SFG does differently, and why the right partner can lift service, scale, and client outcomes.They explore:* What an aggregator is, how it supports brokers day-to-day, and the systems behind the scenes* What SFG provides specifically (platforms, service, compliance, lender access, and advocacy)* How to do due diligence on an aggregator: questions to ask, red flags, and what “the right fit” really means* Why Melissa chose SFG, and how the partnership supports AAA’s approach to clients and growth* Broker market share: brokers now write roughly 8 in 10 home loans in Australia, what is SFG doing or what they think it’ll take to move that to 9 or even 10* Advocacy*for brokers: where policy and industry representation matter* The future of AI and technology in broking - but here's a hint, it can't ever replace the human element of dealing with the right brokerWhether you’re a broker weighing your options, a lender keen to understand the broker ecosystem, or a client curious about how great brokerages run, this conversation offers a clear, behind-the-scenes look at the machinery that helps deliver better lending outcomes.New episodes of the P.O.W.E.R. Podcast drop regularly - subscribe so you don’t miss the next one! Hosted on Acast. See acast.com/privacy for more information.

Commercial Valuations 101 (with Matt Wallace) - What lenders look for, how values are set, and how to prepareMost people have a feel for what a residential valuer does. But on the commercial side, the brief is broader, the data is thinner, and the stakes can often be higher. In this P.O.W.E.R. Podcast episode, Melissa sits down with Commercial Valuer Matt Wallace to unpack the role of a commercial valuer, how he entered the industry, what’s changed across cycles, and the story behind one of his most “interesting” valuations.You’ll hear how valuers think about income vs. direct comparison, cap rates, lease covenants, WALE, incentives, vacancy risk, zoning and highest/best use, and how small discrepancies can drive big swings in valuation. They'll touch on using SMSFs for commercial property, and break down some of the industry lingo for those wanting to learn more about how Commercial valuations work. Hosted on Acast. See acast.com/privacy for more information.

In this fascinating episode of the P.O.W.E.R. Podcast Melissa talks with Angela Priestley, co-founder of Women’s Agenda, about how news is made, why representation in media matters, and what leaders and families can do to create fairer access to information. They cover the impact on work, policy and everyday decision, plus practical ways to build better media habits and amplify women’s voices. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the P.O.W.E.R. Podcast, Melissa sits down with financial planner Ben Wise to talk about what a great planner really does - and why it matters. Ben shares how objective advice, a clear decision-making framework, and tailored investment strategies can help you build long-term financial security that actually aligns with your goals, life stage, and dream retirement.We also explore where financial planning and lending intersect - how a smart plan, strong cash-flow habits, and the right loan structures can work together to create better outcomes. If you’ve wondered whether you need a planner, what they cover, or how to get started with confidence, this conversation is for you. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the P.O.W.E.R. Podcast, we sit down with newly accredited broker Dale Walsh from AAA Mortgages to talk about his journey into the world of lending, and why he's passionate about finding smart, strategic solutions for clients with complex situations or specific goals.Dale shares insights into his area of specialty - Self-Managed Super Funds (SMSFs) - and explains what borrowers need to know about this unique lending structure. He also weighs in on where the mortgage and lending landscape is headed, the increasing competition between major banks, and how that fight to retain customers might actually benefit borrowers.From policy shifts to pricing wars, and the power of strong broker-client relationships, this is a must-listen for anyone interested in what’s really going on behind the scenes, and why brokers like Dale and the AAA Mortgages team are more valuable than ever. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the P.O.W.E.R. Podcast, Melissa Ashcroft sits down with Kirsten Steedman from Shelter NSW, a passionate advocate for housing affordability, equity, and long-term solutions to break the cycle of insecure housing.With a background in corporate retail and shopping centre development, Kirsten brings a unique lens to the housing conversation, shaped by years of observing how built environments impact community, inclusion, and access. She shares what those shopping centres taught her about belonging, the shift to purpose-driven work, and why she believes women in leadership need to stop apologising and start backing themselves.An honest, inspiring chat about systems change, career evolution, and the human side of housing.To find out more about or get in contact with Kirsten, head to her LinkedIn profile.To find out more about Shelter NSW, head to their website. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the P.O.W.E.R. Podcast, Melissa sits down with Kevin Parker - a former civil engineer turned buyers agent - to talk about what really matters when buying property.Specialising in helping owner occupiers find their ideal home within a 10km radius of the CBD, Kevin brings a unique perspective to the process. With a background in structural engineering and development, he knows how to look beyond the surface, but it’s his people-first approach that really sets him apart.Kevin shares why taking the time to understand how clients live, not just what they say they want, is the key to long-term satisfaction. It’s a thoughtful and insightful conversation about buying with intention, and why the right home is about so much more than location and price. Hosted on Acast. See acast.com/privacy for more information.

With decades of experience in the property world - and three boys keeping her on her toes - Jo brings a wealth of knowledge and real-life insight to the table.In this chat, Jo and Melissa cover everything from building an investment portfolio to buying your first home (or your next one), and the strategies that make it possible in today’s market. Whether you're an investor, first home buyer, or somewhere in between, this episode is packed with practical tips and plenty of straight talk. Hosted on Acast. See acast.com/privacy for more information.

In this powerful episode of the P.O.W.E.R. Podcast, Melissa Ashcroft sits down with Zoë Robinson - lawyer, human rights advocate, and the youngest person ever appointed NSW Advocate for Children and Young People.Zoë shares real insights into the challenges and hopes of young Australians aged 0–24, from housing affordability to delayed life milestones. But this isn’t a conversation about despair - it’s a call to listen, learn, and lead change. With clarity and compassion, Zoë reminds us that while the road ahead is tough, the future can be bright if we choose to act.This episode steps outside our usual finance focus to reflect the values we hold at AAA: real conversations, real impact, and a commitment to building a better future for everyone. Hosted on Acast. See acast.com/privacy for more information.

Need fast funding without the hassle? This episode unpacks when private lending makes sense — and when it doesn’t.Melissa Ashcroft sits down with Adrian Dracopoulos, BDM at Msquared Capital, to explore how private finance can be a powerful tool for bridging loans, development projects, and accessing equity for commercial use. It’s flexible, fast, and less restricted than traditional lending — but it’s not for every borrower. Tune in for a practical, honest conversation about how private lending works, the risks to watch, and where it can give you a real edge.About Adrian: Adrian Dracopoulos is the Business Development Manager of Private Loans at Msquared Capital, a Sydney-based private lender specialising in short-term, flexible funding solutions. Adrian began his finance career in mortgage broking at 19 and later transitioned into private lending, bringing with him deep knowledge of both sides of the lending space. He studied Accounting and Finance at university and briefly pursued a passion for aviation, earning his commercial and private pilot licenses. Today, Adrian helps clients structure non-bank and bridging loans tailored to complex financial scenarios that fall outside traditional banking criteria.Link to Transcript Hosted on Acast. See acast.com/privacy for more information.

In this episode, Melissa chats with Joseph Daoud - broker, podcaster, and founder of It's Simple Finance - about the lending landscape, the impact of the federal election, and why brokers work best when they work together. Joseph also shares the personal story behind starting his business and his passion for helping everyday Australians get into property. A must-listen for anyone navigating today’s finance world.About Joseph: Joseph Daoud is a leading mortgage strategist, financial educator, and founder of It’s Simple Finance, a brokerage committed to helping Australians navigate the property and finance landscape with confidence. Known for his down-to-earth advice and transparent approach, Joseph has empowered thousands of clients—especially first-home buyers—to secure smart lending solutions and build long-term wealth.With a background in finance and a strong digital presence, Joseph uses his platforms to break down complex lending topics into relatable, actionable insights. Whether it’s via social media, speaking engagements, or personalised advice, he’s passionate about changing the way Australians think about money.📱 Follow Joseph on Instagram: @joetchandon🏠 Follow his company: @itssimplefinance🔗 Connect on LinkedIn: linkedin.com/in/joseph-daoudTranscript Hosted on Acast. See acast.com/privacy for more information.

In this brand new episode of the P.O.W.E.R. podcast (yep, Season 2 is finally here!), Melissa Ashcroft shares her top insights from decades in the lending industry breaking down how to make your mortgage work harder for you. She dives into one of the most powerful tools available to homeowners: the offset account. Learn how this simple strategy can save you tens (or even hundreds) of thousands over the life of your loan.Melissa also shares real-world examples, lessons from her career, and tips to help you take control of your finances and get ahead - whether you’re buying your first home or refinancing for a better deal.Want to know how $100,000 in your offset account could save you $180,000 over time? Tune in now. Hosted on Acast. See acast.com/privacy for more information.

Episode 9 of the P.O.W.E.R. Podcast brings Melissa to her happy place, talking all things construction with Mitchell Brandtman Partner, Tass Assarapin. Tass has seen many changes in his years working as a Quantity Surveyor, and he chats to Melissa about why now is such a challenging time for builders and developers. Hosted on Acast. See acast.com/privacy for more information.

In this podcast episode, Melissa chats to Bob Masalkovski from the MFAA about the evolving landscape of the mortgage broking industry, discussing the increasing number of professionals from diverse backgrounds who are transitioning into broking. They explore the importance of experience and mentorship for new entrants, highlight the need for more women in the industry, the unique opportunities broking offers, and the current challenges surrounding home ownership and payroll tax.  Hosted on Acast. See acast.com/privacy for more information.

Listen to Melissa's very interesting chat with Victoria Coster, CEO of Credit Fix Solutions, about why understanding your credit score is so important, how it can impact your borrowing power, and how to repair it if needed. You do not want to miss this episode! Hosted on Acast. See acast.com/privacy for more information.

In this episode, Melissa chats with Brad Seeto, a Chartered Accountant and Registered Tax Agent from Bramelle Partners. Listen to them chat about why Brad chose to enter the finance industry and how it intersects with the mortgage and lending space. Hosted on Acast. See acast.com/privacy for more information.

We're super excited about this episode of the P.O.W.E.R. Podcast! In ep 5, Melissa chats with NSW BDM for Orde Financial, Craig Meale, about the changes he's seen over his time in the industry, and the role that Brokers and non-bank lenders play today. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Melissa chats with the newest member of the AAA Mortgages team Dale Walsh. Listen to them chat about Dale's industry experience, philosophy, and what he plans to bring to AAA.Contact him on 0426 822 547 or [email protected] to solve all of your (finance) problems! Hosted on Acast. See acast.com/privacy for more information.

Join Melissa the general manager and host of the POWER podcast as she chats with Monique Henderson about First Home Owners. Hosted on Acast. See acast.com/privacy for more information.

Join Melissa the general manager and host of the POWER podcast as she chats with John Macalyk about Self Managed Super Funds. Hosted on Acast. See acast.com/privacy for more information.

Join Melissa the general manager and host of the POWER podcast as she chats with 20-year-old, new to the industry Mia about being a woman in the world of finance, her journey to where she is, and everything related. Hosted on Acast. See acast.com/privacy for more information.