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🌏 Is Tasmania Australia’s next big property hotspot?

In this episode of The Mortgage Chat, we dive into the Tasmanian property market and explore whether Tassie could be the next smart move for investors in 2024.

We’ll cover:
🏡 Current property trends in Tasmania
📊 Rental yields and cash flow potential
📍 Which Tassie locations are attracting investors
⚠️ Risks and challenges of investing in Tasmania
💡 Tips for making smart investment choices interstate

If you’ve been wondering if Tassie is the next big thing or just another passing trend, this episode breaks it down for you.

🎧 LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqG

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

📍 FIND US HERE
LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596

Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511

Instagram: https://www.instagram.com/tonyxia_themortgageagency/

YouTube: https://www.youtube.com/@themortgageagency8841/videos

📅 Book a quick call ⬇️
https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

🛡️ Tony Xia is a Credit Representative (477089) of Mortgage Specialists Pty Ltd ACN 050 601 093 (Australian Credit Licence 387025)

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First-Time Investor? Here’s How to Start Smart in 2026

In this episode of The Mortgage Chat, we walk you through Real Estate Investing For Beginners – Ultimate Guide 2024.

If you’re a first home buyer or first-time investor in Australia, this is your roadmap to buying smart, avoiding costly mistakes, and setting up your portfolio for long-term success.

We cover:
1️⃣ Understanding your borrowing capacity before making a move
2️⃣ Choosing the right strategy to match your goals
3️⃣ Researching suburbs like a pro
4️⃣ Structuring your loan for growth and flexibility
5️⃣ Avoiding rookie mistakes first home buyers often make

Plus:
📊 Insights for first home buyer tips Australia
💰 How to make the most of the first home buyer grant Australia and schemes available
📍 Location-specific guidance for first home buyer Sydney, Victoria, and Queensland
📈 Why now might be the right time to start your investment journey

If you’re searching for how to start real estate investing from scratch or want a first home buyer guide Australia, this episode is for you. 👇

🎧 LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqG
YouTube: https://www.youtube.com/@themortgageagency

📍 FIND US HERE

https://linktr.ee/themortgageagency
YouTube: https://www.youtube.com/@themortgageagency8841/videos

📅 Book a quick call ⬇️
https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

Free Calculators⬇️
https://themortgageagency.com.au/calculators/

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How to Buy Property Without Paying $20K to a Buyer’s Agent...

In this episode of The Mortgage Chat, Tony sits down with Sean Singh, founder of PropSpotter, to talk about a game-changing alternative for investors who want real research, suburb selection, and property guidance — without the 💰$15K–$20K price tag.

We cover:
🔍 What PropSpotter does (and what they don’t)
🧠 How they help time-poor and first-time investors
💡 Why $2K might be all you need to get started
📈 Real examples of clients finding success without a buyer’s agent
📊 How they find the “warm spots” before they boom
🏡 What yields they’re securing today (hint: 5.95%+ in metro Melbourne)

If you're looking to invest interstate or feel priced out of buyer’s agents — this episode’s for you. 👇

🎧 LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqG
YouTube: https://www.youtube.com/@themortgageagency

📍 FIND US HERE
LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511
Instagram: https://www.instagram.com/tonyxia_themortgageagency/
YouTube: https://www.youtube.com/@themortgageagency8841/videos

📅 Book a quick call ⬇️
https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

🛡️ Tony Xia is a Credit Representative (477089) of Mortgage Specialists Pty Ltd ACN 050 601 093 (Australian Credit Licence 387025)

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What can you buy in Sydney for $1.1 million in 2024—and is it worth it?

In this episode of The Mortgage Chat, I’m breaking down exactly what I bought, where I bought it, why I bought it, and how I ran the numbers before committing.

I'm Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s leading mortgage broker firms. We help Aussies buy smarter, invest wisely, and pay down debt faster.

🏠 In this episode, you'll learn:

✅ What kind of property I purchased for $1.1M
✅ How I crunched the cash flow before buying
✅ What mistakes to avoid when choosing an investment
✅ Why I’d buy it again (even in this market)
✅ Real talk on rental yield, loan repayments, and strategy

If you're a first-time buyer, property investor, or someone thinking about leveraging equity—this episode is for you.

🔍 Need help planning your next move?
Contact The Mortgage Agency for a free consult with one of our expert brokers:
📩 [email protected]

👍 Like, Subscribe & Share if this video helped you!
🎧 More episodes of The Mortgage Chat drop weekly.

🎧 LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/1jjFKsmhZaPYg25QPW9y17
Google Podcast: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8yMTk1NzEzLnJzcw==
YouTube: https://www.youtube.com/@themortgageagency 

📍 FIND US HERE

LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 
Instagram: https://www.instagram.com/tonyxia_themortgageagency/ 
YouTube: https://www.youtube.com/@themortgageagency8841/videos

Book a quick call⬇️

https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

Chapters
0:00 Introduction  
0:18 What kind of property did I buy?  
0:41 Location and property type revealed  
1:10 How much did the property cost?  
1:38 Why I chose this investment  
2:00 Crunching the numbers: cash flow example  
2:45 Loan details and interest rate  
3:10 Rental income and expenses breakdown  
4:00 Would I buy this again?  
4:40 Final thoughts  


Disclaimer:

This is not tax advice and all tax advice should be consulted with your accountant. All details on this video can be found on the ATO website

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Should you wait for interest rates to drop before buying property?

In this episode of The Mortgage Chat, I’m breaking down a question many Aussies are asking right now—“Should I wait for a rate cut before buying my first home or investing in property?”

I’m Tony Xia, the Founder and Director of The Mortgage Agency—one of Sydney’s top mortgage broker firms.

With rising interest rates and the RBA’s next moves still uncertain, it’s important to know what waiting might really cost you. 

I’ll walk you through how to think about property buying during this high-rate period, when it makes sense to act, and when it’s okay to hold off.

In this video, you'll learn:

👉  The reality behind rate cuts and property prices
👉  Why waiting can backfire for first home buyers
👉  How much interest rates would need to drop to make a difference
👉  A smart way to structure your loan while rates are still high

Want expert advice tailored to your situation?

Get in touch with us at The Mortgage Agency for a free consultation with one of our experienced mortgage brokers.

We’ll help you secure a great loan—whether you’re buying now or later.

Don’t forget to like, comment, and subscribe to The Mortgage Chat for more expert tips on navigating property, mortgages, and finance in Australia.

YouTube Chapters:
0:00 Introduction
0:15 Should you wait for a rate cut?
0:45 How rate cuts affect property prices
1:30 Example: waiting vs buying now
2:05 If rates drop, will you even feel the difference?
2:40 What if the market gets more competitive?
3:15 Real story of a buyer who waited too long
3:55 How to make a smart decision now
4:20 Structuring your loan for flexibility
4:50 Final thoughts

📞 Need personalised help? Contact The Mortgage Agency today for a free chat with our expert brokers. We’ll help you plan smarter and stay ahead in the Aussie property game.

👉 Like, share, and subscribe to The Mortgage Chat for more simple breakdowns of finance, mortgages, and property strategies!

🎧 LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/1jjFKsmhZaPYg25QPW9y17
Google Podcast: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8yMTk1NzEzLnJzcw==
YouTube: https://www.youtube.com/@themortgageagency 

📍 FIND US HERE

LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 
Instagram: https://www.instagram.com/tonyxia_themortgageagency/ 
YouTube: https://www.youtube.com/@themortgageagency8841/videos

Book a quick call⬇️

https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]


rate cut Australia, wait for interest rate cut, buying property in 2025, mortgage strategy Australia, home loan tips, should I wait to buy property, RBA interest rates 2025, buying vs waiting property Australia, mortgage broker Sydney, The Mortgage Chat

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Do the new changes to the First Home Guarantee mean it’s easier to buy property in 2025?

I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s leading mortgage broker firms.

In this episode of The Mortgage Chat, I explain the proposed updates to the First Home Guarantee, and how they might help (or hurt) first-time buyers in Australia. From joint purchases with friends or family, to key risks you should watch for—this is a must-watch if you’re entering the property market.

Here’s what you’ll learn in this episode:

✅ What’s changing in the First Home Guarantee
✅ Who can now buy with you (hint: not just partners)
✅ What the banks will look at in joint applications
✅ Key risks of buying with family or mates
✅ My honest take on these proposed updates

Thinking of buying your first home and need expert guidance?

👉 Contact The Mortgage Agency for a free consultation today.
Our experienced mortgage brokers are here to help you make smart, confident decisions.

👍 Like, share, and subscribe for more episodes packed with expert insights on property, loans, and smart money moves in Australia.

📍 FIND US HERE

LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 
Instagram: https://www.instagram.com/tonyxia_themortgageagency/ 
YouTube: https://www.youtube.com/@themortgageagency8841/videos

Book a quick call⬇️

https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

YouTube Chapters:

0:00 Introduction  
0:25 What is the First Home Guarantee?  
1:02 Why is the First Home Guarantee important?  
1:45 What’s changing in the First Home Guarantee scheme?  
2:27 Can friends or siblings now buy a home together under the scheme?  
3:06 Who benefits most from these changes?  
4:20 Does this help with housing affordability?  
5:18 Is the First Home Guarantee better than a 5% deposit home loan?  
6:12 Should you apply for the scheme before the changes take effect?  
7:03 Final thoughts


#mortgagebrokerpodcastaustralia #TonyXia #TheMortgageAgency #mortgagebroker #mortgageloan #mortgageadvice

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How to Pay Off Debt Faster Using Your Home Loan | Debt Consolidation Australia

Can you really use your home equity to pay off your debts?
In this episode of The Mortgage Chat, I’ll walk you through a real-life example showing how to consolidate personal debts into your mortgage using your property's usable equity.

I’m Tony Xia, the Founder and Director of The Mortgage Agency — one of Sydney’s top mortgage broker firms. We help Australians make smart decisions about property, finance, and debt management.

In this video, you'll learn:
✅ What usable equity is and how to calculate it
✅ How to consolidate car loans, personal loans and credit cards into your mortgage
✅ Pros and cons of debt consolidation
✅ Real savings you can make on repayments
✅ Key things to consider before refinancing

Want a free consultation to see if you qualify for debt consolidation through equity?
📞 Contact The Mortgage Agency today and we’ll help you explore your options.

👉 Like, comment, and subscribe for more practical advice from The Mortgage Chat.


📍 FIND US HERE

LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 
Instagram: https://www.instagram.com/tonyxia_themortgageagency/ 
YouTube: https://www.youtube.com/@themortgageagency8841/videos

Book a quick call⬇️

https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

YouTube Chapters:

0:00 Introduction  
0:12 Can you consolidate debt using your mortgage?  
0:33 What is usable equity?  
1:05 How to calculate usable equity  
1:33 Why equity matters before debt consolidation  
2:00 Real-life example: Home value vs loan balance  
2:30 How much debt can you actually consolidate?  
2:55 Consolidating car loans and personal loans  
3:24 Interest rates: credit card vs mortgage  
4:10 Total monthly repayments before consolidation  
4:40 Savings after consolidating debts  
5:15 Does this reduce your loan term?  
5:50 Risks of consolidating into your home loan  
6:30 Should you do it? Key things to consider  


💬 Like, share, and hit that subscribe button so you never miss an episode of The Mortgage Chat—your go-to podcast for all things mortgage, property, and finance in Australia.

#mortgagebrokerpodcastaustralia #TonyXia #TheMortgageAgency #mortgagebroker #mortgageloan #mortgageadvice 

Send us a text

Can you actually pay off your home loan years earlier—and save thousands in interest?

I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms. In this episode of The Mortgage Chat, I’ll break down clear and actionable strategies that can help you pay off your home loan faster in 2025 and beyond.

🏡 What’s debt recycling and how does it work?
💰 How can you use your income better to crush that mortgage?
📈 Are you using offset accounts the right way?

We’ll simplify all of that using real-life Aussie scenarios.

In this video, you'll learn:

✅ The power of extra repayments
✅ Why offset accounts are your best friend
✅ How debt recycling can turn your mortgage into a smart investment move
✅ Small daily changes that create big long-term wins
✅ Avoiding common traps when trying to pay off your loan early

👉 Want expert advice tailored to your situation?
Book a free consultation with us at The Mortgage Agency. We’ll help you build a strategy that fits your life and property goals.

📍 FIND US HERE

LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 
Instagram: https://www.instagram.com/tonyxia_themortgageagency/ 
YouTube: https://www.youtube.com/@themortgageagency8841/videos

Book a quick call⬇️

https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

YouTube Chapters:

00:00 Introduction  
00:48 Can you really pay off your home loan faster in 2025?  
01:36 What is debt recycling and how does it work in Australia?  
02:55 Why more Aussies are using offset accounts in 2025  
04:30 How small extra repayments make a big difference  
06:15 Paying weekly vs monthly – what’s better?  
07:30 Mistakes to avoid when accelerating your mortgage repayments  
09:10 Using your income to invest and reduce debt at the same time  
10:50 Final tips to stay motivated and debt-free faster  

💬 Like, share, and hit that subscribe button so you never miss an episode of The Mortgage Chat—your go-to podcast for all things mortgage, property, and finance in Australia.

Send us a text

Can I get a home loan even if I still have a HECS debt? 🤔

I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms.

In this episode of The Mortgage Chat, we’ll break down how second and third tier lenders can help Aussies with HECS debt or limited borrowing capacity to still get into the property market.

You’ll learn:

✅ How 2nd & 3rd tier lenders differ from big banks
✅ How HECS debt impacts your borrowing power
✅ Real benefits of using smaller lenders
✅ Rental income treatment and borrowing limits
✅ When alternative lending makes sense

📌 If you’ve hit a lending cap or feel stuck with your HECS debt, this episode is for you.

Contact The Mortgage Agency today to book a free chat and explore the right lending strategy for your situation.

👉 Like, share, and subscribe for more Aussie property tips and strategies!

📍 FIND US HERE

LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 
Instagram: https://www.instagram.com/tonyxia_themortgageagency/ 
YouTube: https://www.youtube.com/@themortgageagency8841/videos

Book a quick call⬇️

https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

YouTube Chapters:

0:00 Introduction  
0:35 What are second and third tier lenders?  
1:12 Why do people use 2nd & 3rd tier lenders?  
2:10 How do mainstream lenders treat your income and borrowing power?  
3:05 How do 2nd tier lenders assess rental income differently?  
4:22 What’s the impact of HECS debt on loan eligibility?  
5:18 How do smaller lenders treat HECS debt differently?  
6:25 What if you’re maxed out with a big bank—what are your options?  
7:40 Is using a second tier lender risky?  
8:58 Real example: How a 3rd tier lender helped a client buy  
10:15 What should you watch out for when choosing a lender?  
11:42 Final tips for Aussies with HECS debt  

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How To Buy Real Estate In Your Super - SMSF? Can you use your super to invest in property? 🤔

❓ Thinking about using an SMSF to buy property? Wondering how it works, the risks, and if it’s the right move for you?

I’m Tony Xia, the Founder and Director of The Mortgage Agency—one of Sydney’s top mortgage broker firms.

In this episode of The Mortgage Chat, we break down everything you need to know about Self-Managed Super Funds (SMSFs) and property investment. You’ll also hear a real case study on how one of our clients structured their SMSF to buy property.

✅ What is an SMSF?
✅ How can you use an SMSF to buy property?
✅ The borrowing rules and how much you can loan
✅ Why not all lenders offer SMSF loans
✅ The importance of working with the right financial team

Want to get the best possible outcome when buying or selling property? 

Contact The Mortgage Agency today for a free consultation with our experienced mortgage brokers. 

We can help you navigate the complexities of the Australian property market and secure the best loan for your needs.

Don't forget to like, share, and subscribe for more episodes packed with expert insights and industry updates!

📍 FIND US HERE

LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 
Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 
Instagram: https://www.instagram.com/tonyxia_themortgageagency/ 
YouTube: https://www.youtube.com/@themortgageagency8841/videos

Book a quick call⬇️

https://themortgageagency.com.au/contact/

Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

YouTube Chapters:

00:00 - Introduction & Welcome 🎙️
00:15 - What is an SMSF? 🤔
01:05 - How does an SMSF work?
02:20 - What can you invest in with an SMSF? 📈
03:45 - Important things to consider before setting up an SMSF
05:10 - Real-life SMSF property investment case study 🏡
06:50 - SMSF borrowing power & loan options 💰
08:30 - Why most major banks don’t offer SMSF loans anymore
09:45 - Which lenders still offer SMSF loans in 2024?
11:00 - Final thoughts & expert advice
11:45 - How to get started with an SMSF property investment 🚀
12:30 - Closing & Call to Action