This week we're chatting with Chris Bates who's a mortgage broker and financial adviser and he's the founder of Wealthful. He's also the co-host of the Elephant in the Room podcast. We have a chat to Chris about some of the elephants in the room at the moment, the financial landscape, the lending policies around serviceability with the banks. He gives us some great advice about how to begin our planning journey and we talk about property market fundamentals and drivers that ensure that we have a framework for analyzing the properties that we purchase based on demographics and scarcity. It's a fantastic and illuminating interview with Chris. I think you'll really enjoy it.