From Why to Wealth

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

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In this episode, join Gabriel Mikha, Finance Broker, as he answers one of the most common homeowner questions in 2025: should you pay off your mortgage faster, or just stick to the minimum repayments? The short answer? For your own home, there’s almost never a bad reason to pay it down sooner—the only question is how you do it.

He shares seven smart strategies to cut years and thousands in interest off your home loan—from extra repayments and offset accounts, to choosing redraw or line of credit, and why HECS/HELP can wait. He also shares some examples on how as little as $150 extra a fortnight could save nearly four years on a 30-year mortgage.

If you’re serious about saving time, saving money, and building equity faster so you can invest sooner, this episode will give you the tools to get mortgage-free years ahead of schedule.

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SHOW NOTES LINKS

https://au.linkedin.com/in/gabriel-mikha-15727979 

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94

Apple Podcast: https://apple.co/4gtRHbe

Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230 

LinkedIn: https://www.linkedin.com/company/isav-group/ 

Instagram: https://www.instagram.com/thefinanceco.group/ 

TikTok: https://www.tiktok.com/@fromwhytowealth 

YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 

Contact No.: 02 8004 5020

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TIME STAMPS:

00:00 Hook/Intro

00:49 Step-by-Step Guide to Mortgage Repayment Strategies 

03:11 Offset Accounts and Redraw Facilities

06:14 Managing Low-Interest Debts and Final Recommendations

06:53 Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. 

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In this episode, join Gabriel Mikha, Finance Broker, as he uncovers the real reasons why home loans are getting rejected in 2025  and how you can avoid them. From risky spending habits and hidden lifestyle costs, to blacklisted properties, unused credit cards, and even the fine print of pre-approvals, Gabriel breaks down the predictable traps that can derail your application.

He shares the eight biggest red flags banks look for, why pre-approval isn’t a guarantee, and the simple steps you can take now to clean up your finances, boost your borrowing power, and stack the odds in your favour.

If you’re planning to buy a home in the next 12 months, this episode will show you how to get loan-ready, avoid costly mistakes, and move forward with confidence.

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SHOW NOTES LINKS

https://au.linkedin.com/in/gabriel-mikha-15727979 

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94

Apple Podcast: https://apple.co/4gtRHbe

Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230 

LinkedIn: https://www.linkedin.com/company/isav-group/ 

Instagram: https://www.instagram.com/thefinanceco.group/ 

TikTok: https://www.tiktok.com/@fromwhytowealth 

YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 

Contact No.: 02 8004 5020

-----

TIME STAMPS:

00:00 Hook/Intro

01:49 Common Causes of Home Loan Rejections

02:57 Additional Factors Affecting Loan Approval

04:11 Practical Steps to Avoid Loan Rejection

04:27 Final Advice

04:37 Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. 

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In this episode, join Gabriel Mikha along with Andrew Ghaname, Finance and Mortgage Broker, and Andrew Willis, Senior Finance Broker, dives deep into the troubling reality of financial literacy in Australian schools, revealing how essential life skills like budgeting, taxes, and investing remain absent from the curriculum. 

They talk about why textbooks fail students in preparing for real-world finances, the surprising disconnect between having a job and understanding money, and how misinformation on social media shapes young people's financial decisions.

They also discuss practical solutions like simulated trading accounts for teenagers, the crucial role families play in financial education, and why learning about financial literacy can radically transform a young person's future.

If you want to empower your kids, or yourself, to build genuine financial knowledge, avoid costly mistakes, and take control of your financial future, make sure to listen to this episode!

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SHOW NOTES LINKS

https://au.linkedin.com/in/gabriel-mikha-15727979 

https://au.linkedin.com/in/andrew-ghaname-38b6b6321 

https://www.linkedin.com/in/andrew-willis-741b441b8/

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94

Apple Podcast: https://apple.co/4gtRHbe

Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230 

LinkedIn: https://www.linkedin.com/company/isav-group/ 

Instagram: https://www.instagram.com/thefinanceco.group/ 

TikTok: https://www.tiktok.com/@fromwhytowealth 

YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 

Contact No.: 02 8004 5020

-----

TIME STAMPS:

00:00 Hook/Intro

01:05 Learning Financial Literacy

01:48 Where Financial Literacy Starts

04:11 Real-World Financial Lessons in Schools

13:09 Impact of Technology on Education

17:30 Implementing Financial Literacy in schools

27:17 The Role of Entrepreneurs in Education and The Need for Practical Financial Education

30:07 Conclusion/Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. 

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In this episode, we’re joined by Peter Wyszenko, Managing Director of APICKLE, a firm that specialises in informal debt restructuring solutions that help Australian businesses regain control, protect their assets, and avoid liquidation.

We talk about why compounding liabilities like ATO debt, unsecured loans, and personal guarantees are catching business owners off guard, how the ATO is ramping up collections with over 52,000 Director Penalty Notices issued, and why communication—not silence—is the key to surviving financially.

We also break down how SBR works step-by-step, what most people misunderstand about credit reports post-restructure, and how business owners can still refinance or buy property even after going through formal restructuring.

If you want to protect your financial future, avoid the mistakes that lead to personal liability, and learn how to turn short-term debt stress into long-term opportunity, then make sure to listen to this episode!

SHOW NOTES LINKS

https://www.linkedin.com/in/apickle/

https://apickle.com.au/

https://www.instagram.com/apickle.com.au/

https://www.linkedin.com/company/apickle/

https://www.facebook.com/picklemoney

https://au.linkedin.com/in/gabriel-mikha-15727979 

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94

Apple Podcast: https://apple.co/4gtRHbe

Amazon Music: https://amzn.to/4f85Ol4

 -----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230 

LinkedIn: https://www.linkedin.com/company/isav-group/ 

Instagram: https://www.instagram.com/thefinanceco.group/ 

TikTok: https://www.tiktok.com/@fromwhytowealth 

YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 

Contact No.: 02 8004 5020

-----

TIME STAMPS:

00:00 Intro/Hook

01:03 Introduction of Guest

01:20 Small Business Restructuring (SBR) Overview

03:43 Impact of ATO Debts on Businesses

06:33 Process and Benefits of SBR

10:10 Role of Commercial Brokers and Insolvency Practitioners

23:09 Emotional and Practical Considerations

23:36 Future Borrowing and Financial Stability

24:46 Mistakes to Avoid After SBR

32:51 Conclusion and Final Thoughts/Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. 

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In this episode, we’re joined once again by Ray Regmi and Dean Desoukey, financial advisers from Ryker Capital, for Part 2 of our conversation on building long-term wealth through smart, practical strategies.

Ray and Dean talk about how one of their clients turned $50 into $700,000 in super, why salary sacrificing is more than just a tax-saving tool, and how most Aussies completely miss the opportunity to set themselves up early, even while earning a good income.

They also break down why it’s never too late to start, how to build a retirement plan even if you’re already in your 50s, and the surprising truth about superannuation that no one teaches you in school.

If you're an aspiring homeowner, a young professional trying to get ahead, or a first-time investor wanting to build real wealth, don’t miss this episode.

SHOW NOTES LINKS

https://au.linkedin.com/in/dean-desoukey 

https://www.linkedin.com/in/ray-regmi-3a267539/ 

https://rykercapital.com.au/ 

https://www.linkedin.com/company/ryker-capital/ 

https://web.facebook.com/RykerCapitalFinancialPlanning/ 

https://www.instagram.com/rykercapital/ 

https://www.tiktok.com/@rykercapital 

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94

Apple Podcast: https://apple.co/4gtRHbe

Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230 

LinkedIn: https://www.linkedin.com/company/isav-group/ 

Instagram: https://www.instagram.com/thefinanceco.group/ 

TikTok: https://www.tiktok.com/@fromwhytowealth 

YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 

Contact No.: 02 8004 5020

-----

TIME STAMPS:

00:00 Hook

01:25 Introduction

02:55 Salary Sacrificing and Tax Benefits

09:39 Strategies for Different Age Groups

16:18 Strategies for a 55-year-old

17:48 Importance of Superannuation

20:56 Long-Term Financial Planning

25:49 The Importance of Professional Advice

29:07 Conclusion/Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. 

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In this episode, join me, Gabriel Mikha, along with Ray Regmi and Dean Desoukey from Ryker Capital, as we talk about how the First Home Super Saver Scheme can help first-time buyers accelerate their journey into the property market.

We discuss why starting your financial journey early, even as young as 15, can set you up for long-term wealth, how to think in terms of “micro speed and macro patience” to build disciplined savings habits, and how the FHSSS helps you lock away money without the temptation to spend.

We also talk about how to use the scheme to gain tax advantages while you save, why budgeting is the non-negotiable first step before contributing to your super, and how real-life case studies show couples fast-tracking their home savings with a strategic combo of voluntary super contributions and tax deductions.

If you want to take advantage of one of Australia’s most underutilised tools for first-home buyers and finally feel confident you’re moving toward home ownership, then make sure to listen to this episode!

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SHOW NOTES LINKS

https://au.linkedin.com/in/dean-desoukey
https://www.linkedin.com/in/ray-regmi-3a267539/ 

https://rykercapital.com.au/
https://www.linkedin.com/company/ryker-capital/
https://web.facebook.com/RykerCapitalFinancialPlanning/
https://www.instagram.com/rykercapital/
https://www.tiktok.com/@rykercapital 

 ----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94
Apple Podcast: https://apple.co/4gtRHbe
Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230
LinkedIn: https://www.linkedin.com/company/isav-group/
Instagram: https://www.instagram.com/thefinanceco.group/ TikTok: https://www.tiktok.com/@fromwhytowealth
YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 
Contact No.: 02 8004 5020

-----

TIME STAMPS:

00:00 Intro/Hook
00:49 Introduction to Guests and Initial Discussion
02:47 Details of the First Home Super Saver Scheme
05:58 Case Study and Practical Application
10:09 Tax Implications and Financial Planning
21:28 Eligibility and Additional Considerations
28:58 Conclusion and Final Thoughts/Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In this episode, join me, Gabriel Mikha, along with Andrew Ghaname, Finance and Mortgage Broker at The Finance Co. Group, and Jason Mikhail, Licensed Sales Agent at The Property Co. Group, as we break down the latest real estate trends in New South Wales and the key factors driving the market.

We talk about why housing supply is surging in key markets and how it’s affecting prices, the unexpected shift in buyer preferences toward townhouses and apartments, and why many property owners are finding it harder to move due to changing mortgage conditions.

We also discuss why some buyers migrate to regional areas only to move back, how misleading real estate statistics can cause panic buying or selling, and why forming the right relationships with brokers and agents can make or break your investment decisions.

If you want to stay ahead of the curve and make smarter property decisions, whether you’re a first-time homebuyer, investor, or someone looking to refinance, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://jasonmikhail.com/
https://au.linkedin.com/in/jason-mikhail-79a8587b
https://facebook.com/jasonmikhailre/
https://www.instagram.com/jasonmikhail_re/

https://au.linkedin.com/in/gabriel-mikha-15727979
https://au.linkedin.com/in/andrew-ghaname-38b6b6321

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94
Apple Podcast: https://apple.co/4gtRHbe
Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE
 
Facebook: https://www.facebook.com/profile.php?id=100069349250230
LinkedIn: https://www.linkedin.com/company/isav-group/
Instagram: https://www.instagram.com/thefinanceco.group/
TikTok: https://www.tiktok.com/@fromwhytowealth
YouTube: https://www.youtube.com/@fromwhytowealth/
 
-----
 
CONTACT US
 
Email: [email protected] 
Contact No.: 02 8004 5020
 
-----

TIME STAMPS:

0:00 Intro
1:18 Market Trends and Investment Opportunities in New South Wales 
3:45 Regional Property Trends and Lifestyle Changes 
7:10 Property Types and Affordability 
14:06 Investment Opportunities in Residential and Commercial Real Estate 
21:48 Market Drivers and Government Policies 
24:18 The Role of Real Estate Agents and Brokers 
26:24 Conclusion/Outro

-----
 
DISCLAIMER
 
The informatio

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In this episode, join me, Gabriel Mikha, along with Andrew Ghaname, Finance and Mortgage Broker at The Finance Co. Group, and Jason Mikhail, Licensed Sales Agent at The Property Co. Group, as we discuss the current state of real estate development and the challenges shaping the market.

We talk about why rising build costs, skyrocketing finance rates, and supply chain issues make many projects unfeasible, how developers adapt to new regulations and approval delays, and what the shift from Class 2 to Class 1 developments means for investors and homebuyers.

We also discuss alternative building methods like 3D-printed homes and foam-based structures, why interest rate hikes have tripled financing costs, and how experienced developers weather the perfect storm to stay profitable.

If you want to access expert insights into the evolving real estate landscape and learn strategies to navigate today’s challenges, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://jasonmikhail.com/ 

https://au.linkedin.com/in/jason-mikhail-79a8587b 

https://facebook.com/jasonmikhailre/ 

https://www.instagram.com/jasonmikhail_re/ 

https://au.linkedin.com/in/gabriel-mikha-15727979 

https://au.linkedin.com/in/andrew-ghaname-38b6b6321 

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94

Apple Podcast: https://apple.co/4gtRHbe

Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230 

LinkedIn: https://www.linkedin.com/company/isav-group/ 

Instagram: https://www.instagram.com/thefinanceco.group/ 

TikTok: https://www.tiktok.com/@fromwhytowealth 

YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 

Contact No.: 02 8004 5020

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. 

In this episode, join me, Gabriel Mikha, Andrew Willis and our guest, Daniel Walker, Director of Bon Voyage Credit Repair, as we delve into the critical nuances of comprehensive credit reporting (CCR) and how it impacts your financial future.

We talk about why your credit score isn't just about defaults anymore (and what really matters now), how moving houses without proper notification could damage your borrowing capacity, and why collecting frequent flyer points with multiple credit cards might cost you more than you think.

We also discuss how long it takes for paid debts to disappear from your credit report, the little-known ways to remove credit inquiries from your history, and why even your suburb and age affect your creditworthiness.

If you want to take control of your credit score and learn professional tips for maintaining a healthy credit report, then make sure to listen to this episode!

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SHOW NOTES LINKS

https://www.linkedin.com/in/daniel-walker-ba40b647/

https://www.bvcreditrepair.com.au/ 

https://au.linkedin.com/company/bon-voyage-credit-repair 

https://www.facebook.com/BVCreditRepair/ 

https://www.instagram.com/bonvoyagecreditrepair/ 

https://www.linkedin.com/in/andrew-willis-741b441b8/ 

https://web.facebook.com/p/Andrew-Willis-Feel-Good-Finance-100057359383438/ 

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94

Apple Podcast: https://apple.co/4gtRHbe

Amazon Music: https://amzn.to/4f85Ol4

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230 

LinkedIn: https://www.linkedin.com/company/isav-group/ 

Instagram: https://www.instagram.com/thefinanceco.group/ 

TikTok: https://www.tiktok.com/@fromwhytowealth 

YouTube: https://www.youtube.com/@fromwhytowealth/ 

-----

CONTACT US

Email: [email protected] 

Contact No.: 02 8004 5020

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. 

Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/

-----

In our latest episode of From Why to Wealth Podcast, join me, Gabriel Mikha and Andrew Willis, Senior Financial Broker, as we share a powerful but rarely discussed banking policy that could help you slash years off your mortgage and save hundreds of thousands in interest payments.

We talk about how banks are required to assess your loan at a rate 3% higher than your actual rate, how this hidden "buffer" can be turned into a strategic advantage for faster loan repayment, and how making the assessment rate payments could save you up to $346,000 in interest.

We also discuss why putting extra payments into your redraw facility is often better than an offset account, how to maintain higher repayments even when interest rates drop, and how this strategy can create substantial equity for future investment opportunities.

If you want to learn how to potentially cut your 30-year mortgage down to just 16 years while building a significant investment nest egg for your future, then make sure to listen to this episode!

-----

SHOW NOTES LINKS

https://www.thefinanceco.group/
https://au.linkedin.com/in/gabriel-mikha-15727979
https://www.linkedin.com/in/andrew-willis-741b441b8/ 

 -----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/4gt1A94
Apple Podcast: https://apple.co/4gtRHbe
Amazon Music: https://amzn.to/4f85Ol4 

-----

FIND US HERE

Facebook: https://www.facebook.com/profile.php?id=100069349250230
LinkedIn: https://www.linkedin.com/company/isav-group/
Instagram: https://www.instagram.com/thefinanceco.group/
TikTok: https://www.tiktok.com/@fromwhytowealth
YouTube: https://www.youtube.com/@fromwhytowealth/  

-----

CONTACT US

Email: [email protected]   
Contact No.: 02 8004 5020

-----

TIME STAMPS:

00:00 Intro
00:41 How We Can Use the Bank Policies to Pay Down Our Loan
04:05 Paying Off Your Loan Sooner
06:12 Extra Repayments Weekly vs Monthly
07:39 Saving Money on Extra Repayments Monthly
10:52 Loan in 29 Years
14:09 How Do You Recycle Money?
16:32 Buying an Investment Property
20:13 Saving Money by Using the Banks’ Policy 
24:46 Conclusion

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.