Australian Property Market Special

What do rising interest rates actually mean for your borrowing power, property strategy, and investment decisions in 2026?

In this episode, Candice Bourke and Felicity Thomas sit down with leading mortgage broker Mitchell Lobb from Distinctive Finance to break down what’s really happening in the Australian property market and where the smartest opportunities may lie.

Whether you're a first home buyer, seasoned investor, or business owner, this episode unpacks the real-world lending strategies most people don’t understand but absolutely should.

🔍 In this episode, we cover:

• What interest rate rises mean in practice for borrowers today
• Why waiting for rate cuts could cost you more than you think
• How banks calculate borrowing power (and why it varies so much)
• Strategies for self-employed borrowers & business owners
• When refinancing becomes a strategic move not just rate chasing
• Debt recycling explained simply (and why it’s back in focus)
• Structuring loans, offsets & equity across multiple properties
• The 2026 property market outlook where prices may be heading
• Top 3 things to do now if you want to buy property in the next 12–24 months

💡 Key takeaway:

In uncertain markets, structure and strategy matter more than ever and those who understand lending dynamics can unlock opportunities others miss.

👤 About our guest - Mitchell Lobb

Mitchell brings over 20 years of experience across NAB, ANZ, St.George and Westpac, including time as a Private Banker in Asia. He now works closely with clients to structure lending strategies that align with long-term wealth creation.

📩 Want help with your investment or property strategy?

Contact us: [email protected] and we can faciliate a meeting with Mitch.

⚠️ Disclaimer

Candice Bourke and Felicity Thomas are Authorised Representatives of Shaw and Partners Limited. This podcast is general information only and does not constitute personal financial advice. You should consider your personal circumstances and seek professional advice before making any financial decisions. Information is current as at 4 March 2026.

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In this TMTM Order Pad episode of Talk Money To Me, Felicity Thomas takes a deep dive into AML3D Ltd (ASX: AL3) an Australian advanced manufacturing company using industrial metal 3D printing to produce large-scale components for industries like shipbuilding, utilities, infrastructure, energy and defence supply chains.

With a market capitalisation of under $100 million and the share price down more than 50% from recent highs, Felicity asks the key question investors care about:

Has the market mispriced the opportunity?

AML3D’s proprietary ARCEMY® additive manufacturing systems are designed to produce large industrial metal components using advanced robotics, welding technology and metallurgical science. These systems allow manufacturers to produce complex parts faster, locally and often at lower cost, helping reduce reliance on long and fragile global supply chains.

The company is positioning itself in a specialised niche within the global additive manufacturing industry, particularly producing large structural components used in shipbuilding and heavy industry — including work linked to the **United States Navy maritime industrial base.

In this 15-minute deep dive, Felicity breaks down:

• What AML3D actually does and how ARCEMY works

• The global additive manufacturing landscape

• Key international players including Lincoln Electric, Gefertec GmbH, and Desktop Metal

• How AML3D compares with Australian peers like Titomic Ltd and SPEE3D

• The company’s US expansion strategy and Ohio manufacturing facility

• Its $78 million potential pipeline of opportunities

• Revenue forecasts and the balance sheet position

• Why analysts believe the stock could have significant upside from current levels

AML3D sits at the intersection of several powerful structural themes:

• reshoring of global manufacturing

• advanced industrial technology

• additive manufacturing (metal 3D printing)

• shipbuilding and infrastructure investment

• modernisation of global supply chains

As always on Order Pad, the goal is simple to explore whether the market could be missing something important in the underlying business story.

⚠️ Disclaimer

This podcast is general information only and does not constitute personal financial advice. The views expressed are those of the host and have been prepared without taking into account your individual objectives, financial situation or needs.

Felicity Thomas is an Authorised Representative of Shaw and Partners Limited, holder of Australian Financial Services Licence (AFSL) 236048.

Before acting on any information discussed in this episode, you should consider whether it is appropriate for your circumstances and seek independent professional advice.

Investing in small capitalisation companies involves higher risk, including potential loss of capital. Past performance is not a reliable indicator of future performance.

If you want the latest research report email [email protected]

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In this macro market update, Candice and Felicity unpack the latest developments in the Middle East and what the Iran conflict could mean for global markets, oil prices and investment portfolios.

With tensions escalating across the Gulf region and growing disruption risks around the Strait of Hormuz a critical shipping route responsible for roughly 20–25% of global oil supply investors are asking what this means for markets.

In this episode we discuss:

• Why geopolitical conflicts often have less lasting impact on markets than investors expect

• How much of the recent oil price move has already been priced into markets

• What history tells us about stocks, gold, bonds and volatility during geopolitical crises

• The potential scenarios for the Iran conflict and their market implications

• Why US large-cap equities and structural growth sectors may remain resilient

• Opportunities emerging across cyclicals, travel stocks and global equities

• The role of energy, commodities and safe-haven assets in portfolios

• How investors can navigate volatility while staying focused on long-term investment objectives

Periods of geopolitical tension can create uncertainty in markets, but they can also present opportunities for disciplined investors who stay focused on fundamentals and long-term strategy.

⚠️ Disclaimer

This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. It should not be considered personal financial advice. Candice Bourke and Felicity Thomas are Authorised Representatives of Shaw and Partners Limited (ABN 24 003 221 583, AFSL 236048). The information discussed in this podcast is current at the time of recording but may change without notice. Any opinions expressed are those of the hosts and may not necessarily reflect the views of Shaw and Partners Limited. Before making any investment decision, you should consider whether the information is appropriate for you and seek advice from a licensed financial adviser. Past performance is not a reliable indicator of future performance. Investing involves risk and the value of investments can rise or fall. This podcast is produced for informational and educational purposes only. Everything is based on facts known at the time of recording 3rd March 2026.

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Everyone’s talking about Nvidia. But what if the biggest opportunity in artificial intelligence isn’t in chips… it’s in the infrastructure powering the entire ecosystem?

In this Order Pad episode, Candice breaks down why she is buying Vertiv (VRT.NYS) and why she believes the next phase of the AI investment cycle will be driven by power, cooling and data centre infrastructure.

Artificial intelligence is creating one of the largest global infrastructure build-outs in decades. As demand for computing power accelerates, so does the need for energy, advanced cooling systems and mission-critical data centre solutions. This is where Vertiv sits at the centre of the opportunity.

This episode includes:

• What Vertiv actually does and why most investors misunderstand the business
• Why AI workloads are significantly more energy and infrastructure intensive
• The key numbers from the latest result, including strong order growth and backlog visibility
• Why the share price has been volatile despite strong fundamentals
• The long-duration AI infrastructure cycle and why we believe it is still early
• What the market will be watching over the next 12 months
• Why we believe this is a compelling long-term investment opportunity

If you want to understand where the second wave of AI investing may come from, this episode is for you.

If you would like to discuss your portfolio or explore opportunities aligned with your long-term strategy, you can reach out to us directly:

Candice Bourke and Felicity Thomas - [email protected]

Disclaimer

This podcast is general information only and does not take into account your personal objectives, financial situation or needs. It should not be considered personal financial advice. Before making any investment decision, you should consider whether the information is appropriate for you and seek advice from a licensed financial adviser. Shaw and Partners Limited ABN 24 003 221 583 AFSL 236048.

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In this episode of Talk Money To Me, Candice Bourke and Felicity Thomas unpack one of the most misunderstood wealth strategies in Australia borrowing to invest through margin lending.

Many Australians are comfortable using debt to build wealth through property, but far fewer understand how leverage can be used in a diversified global portfolio. When structured correctly, margin lending can accelerate long-term wealth. However, when used poorly, it can magnify risk and volatility.

In this episode, we break down the strategy in a simple and practical way, including real client scenarios and the key considerations sophisticated investors need to understand.

We cover:

✔️ What margin lending is and how it works

✔️ Loan-to-value ratios (LVR) and how lenders assess risk

✔️ What actually happens in a margin call

✔️ Why diversification and investment selection matter more than leverage

✔️ A 10-year real-world scenario leveraging the S&P 500, including realistic Australian borrowing costs

✔️ Behavioural mistakes investors make during market volatility

✔️ Margin lending versus property gearing

✔️ Who this strategy may be suitable for – and who should avoid it

This episode is designed for high-income professionals, long-term investors and anyone looking to build wealth through disciplined, strategic investing.

📩 Contact Candice & Felicity

If you’d like to learn more or discuss your personal financial strategy, you can reach out to us directly:

📧 [email protected]

🌐 www.cftgroup.com.au

Or connect with us on LinkedIn:

Candice Bourke & Felicity Thomas

⚠️ Disclaimer

This podcast is hosted by Candice Bourke and Felicity Thomas both Financial Advisers at Shaw and Partners AFSL 236048. The information discussed is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice and seek professional advice tailored to your circumstances.

Any views expressed are those of the hosts at the time of recording and may change. Past performance is not a reliable indicator of future performance. Investing involves risk, including the loss of capital. Borrowing to invest, including margin lending, can magnify gains and losses and may not be suitable for all investors.

Hosted on Acast. See acast.com/privacy for more information.

IMPORTANT: WTC.ASX at the time of recording 10th February 2026 is trading between $47 and $50

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What does 2026 really look like for investors?

In this first episode back for 2026, Talk Money To Me hosts Felicity Thomas and Candice Bourke break down what’s actually driving markets beneath the surface using institutional insights from global strategy teams across equities, credit, derivatives and China.

Markets may be broadening, but risks are shifting and in this episode we unpack what that means for portfolios.

• Why markets feel calmer but may actually be more fragile in 2026
• The rotation away from the US and why China and Europe are back in focus
• The next phase of the AI trade — and why it’s moved beyond mega-cap tech
• How to think about copper, infrastructure and electrification as AI enablers
• Why private credit and high yield could be the hidden risk this year
• Why Europe, particularly banks and credit, is quietly well positioned
• The key 2026 market catalysts to watch — from China’s NPC to US midterms
• How UBS’s “10 Surprises” framework is already playing out in markets
• What Felicity and Candice are actually doing in portfolios as a result

2025 was about chasing what worked.

2026 is about positioning for what’s coming next.

This podcast is for general information only and does not take into account your personal objectives, financial situation or needs.

While Felicity Thomas and Candice Bourke are Authorised Representatives of Shaw and Partners Limited (AFSL 236048), the information discussed in this podcast does not constitute personal financial advice or a recommendation to buy or sell any financial product.

You should consider whether the information is appropriate for you and seek independent professional advice before making any financial decisions.

Information is current as at the time of recording: 4th February 2026

If you’d like to discuss any of the themes covered in this episode or understand how they may apply to your portfolio:

• Visit: www.cftgroup.com.au
• Or get in touch with Felicity Thomas or Candice Bourke [email protected]

Follow Talk Money To Me on Spotify or Apple Podcasts, and share this episode with someone who loves their markets, macros and long-term investing conversations.

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It’s the most wonderful time of the year, and our favourite annual tradition! Candice & Felicity are joined once again by Shaw and Partners CIO, Martin Crabb, to unpack the Top 10 Investment Themes for 2026 in this festive, market-moving Christmas special.

This year, we’ve wrapped each theme in a Christmas-themed jingle, while Martin delivers deep insights on the macro landscape, AI acceleration, geopolitics, EM vs China divergences, private markets, and the big question: where should investors be positioned for 2026?

We also look back at Martin’s 2025 predictions including nuclear’s standout performance with a candid “Crystal Ball Review”, covering PDN, TLX and IDP’s 12-month results.

Finally, Martin reveals his #1 high-conviction pick for 2026, tied directly to one of his top themes for the year ahead.

This episode is packed with insights, laughter, Christmas spirit… and a few questionable vocal performances from your favourite financial advisers.

IN THIS EPISODE 

 The 10 themes shaping global markets in 2026

 Bond markets: why they’re still “shark-infested waters”

 How Trump’s “3 Ds” (DOGE, Deregulation & Drugs) shape US opportunities

 AI infrastructure: the second-derivative winners

 Europe’s surprising revival

 EM vs China: where the winds are actually turning

 Private markets unlocking liquidity

 IPO & M&A activity making a comeback

 Martin’s 2025 “crystal ball review” — PDN, TLX, IDP

 Martin’s top investment pick for 2026

This episode is for informational purposes only and does not constitute financial advice. Candice Bourke and Felicity Thomas are authorised financial advisers with Shaw and Partners Limited (AFSL 236 048). The views expressed are general in nature and do not take into account individual circumstances. Always seek professional advice before making investment decisions. Information is current as of the recording date (10 December 2025).

📧 Contact us:

[email protected]

[email protected]

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Black Friday panic, Christmas chaos… and a derivatives-led global equity sell-off. In this episode of Talk Money To Me, Candice and Felicity zoom out from the noise and share six major investment themes set to shape portfolios in 2026 plus the ETFs, sectors and stocks they’re watching right now.

Recorded on 25 November 2025 following a sharp but non-fundamental global equity pullback driven by CTAs, futures activity and a VIX spike, the pair break down why retail investors have been buying the dip, not selling it and why the medium-term setup for equities remains constructive.

They then reveal their 2026 Playbook, covering:

⭐ Theme 1 – Mid-Duration Fixed Income & Floating Rates

Why the 3–5 year part of the curve, senior bank notes, floating-rate notes and diversified bond ETFs (like MQSD) are compelling defensive anchors heading into an uncertain rate environment.

🔌 Theme 2 – The Great Energy Upgrade

AI power demand, electricity grid strain and the resurgence of LNG and nuclear. Featuring WDS, uranium via URNM/ATOM, BOE, PDN and enrichment play SLX.

🤖 Theme 3 – The Critical AI Value Chain

The backbone of AI: semis, cooling, power, data centres and transmission. With names including NVDA, AVGO, VRT, SMCI, ASML, TSMC, EQIX, DLR, NXT and ETFs GXAI and NDQ.

🧬 Theme 4 – Disruptive Science & Healthcare Re-Rating

GLP-1s, radiopharmaceuticals and gene editing. Opportunities across CSL, TLX, Novo Nordisk, Eli Lilly and ETFs DRUG, CURE, ARKG and IXJ.

⚙️ Theme 5 – Critical Minerals & Strategic Commodities

Copper shortages, rare earth dominance and long lead-time supply constraints. Ideas include ACDC, COPX, BHP, LYC and ILU.

🌍 Theme 6 – Global SMID & Quality Rotation

One of the most compelling under-the-radar opportunities of 2026. Exploring valuation gaps, historical outperformance and quality SMID exposures.

If you’re planning your 2026 portfolio strategy, this episode is your end-of-year roadmap across bonds, AI, energy, commodities, healthcare and global SMIDs.

⚠️ Disclaimer

This content is for informational and educational purposes only and does not constitute financial advice. Candice Bourke and Felicity Thomas are authorised financial advisers with Shaw and Partners Limited (AFSL 236 048). The views expressed are general in nature and have not considered your personal circumstances. Please seek independent professional advice before making any financial decisions. Information is current as of the recording date (25 November 2025).

📧 Contact us:

[email protected]

[email protected]

Hosted on Acast. See acast.com/privacy for more information.

In this episode of Talk Money To Me, Candice Bourke and Felicity Thomas take you through the biggest forces shaping markets right now — from renewed AI scrutiny, sticky inflation, and shifting interest-rate expectations, to Australia’s new era of resource reinvention. We break down the key macro trends, the sector winners and losers, and the commodities powering the next decade of global growth.

What we cover in this episode:

Market Pulse: AI Growing Pains & Macro Cross-Currents

• Why “beats not rewarded” is back this earnings season
• AI infrastructure’s funding tension: $13B revenues vs $1.4T spend commitments
• Labour softness vs strong corporate earnings
• Fed & RBA rate-cut expectations into late-2025/2026
• Why investors are shifting to quality, income and pricing power

The Big Commodity Themes to Watch

• Copper: AI, EVs and renewables doubling demand by 2035
• Uranium: the fuel behind decarbonisation and AI-driven energy demand
• Rare Earths: the strategic backbone of defence, EVs and wind
• Gold: outperforming the S&P 500 as a “store of trust”

⚠️ Disclaimer:

This content is for informational and educational purposes only and does not constitute financial advice. Candice Bourke and Felicity Thomas are authorised financial advisers with Shaw and Partners Limited (AFSL 236 048). The views expressed are general in nature and have not considered your personal circumstances. Please seek independent professional advice before making any financial decisions. Information is current as of the recording date (11 November 2025).

📧 Contact us: [email protected] or [email protected] for our latest research monitor

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