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📍 Melbourne wasn’t the hottest market 18 months ago.
 
Now certain suburbs are outperforming expectations.

In this episode of The Mortgage Chat, Tony breaks down the Top 10 performing suburbs in Melbourne and what’s driving growth.

We cover:
📊 Why Melbourne rebounded
 🏘 Which suburbs are leading performance
💰 What’s driving price growth
📈 Investor activity trends
⚠️ What buyers should watch before entering

If you’re considering investing in Melbourne property, this episode helps you understand where momentum is building and how to assess opportunities properly.

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

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

📍 FIND US HERE
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YouTube: https://www.youtube.com/@themortgageagency8841/videos

📅 Book a quick call ⬇️
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Tony Xia | The Mortgage Agency
📞 0423 718 612
📩 [email protected]

00:00 – Intro: Melbourne Market Update
00:55 – Why Melbourne Was Slower 18 Months Ago
02:20 – What Changed in the Market
03:45 – Investor Activity Returning
05:10 – Suburb #10–#7 Breakdown
07:15 – Suburb #6–#4 Breakdown
09:20 – Suburb #3–#2 Breakdown
11:05 – #1 Performing Suburb
12:20 – What’s Driving Growth in These Areas
13:40 – Final Takeaways for Investors

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🏦 Thinking about using your SMSF to buy property?

 SMSF property investing can be a powerful wealth-building strategy, but the structure, lending rules, and compliance requirements are very different from standard investment loans.

 In this episode of The Mortgage Chat, Tony breaks down:

📘 How SMSFs purchase property

🏠 What you can and cannot buy

💰 How SMSF loans actually work

⚖️ Risk, liquidity, and compliance considerations

📊 When SMSF property makes sense and when it doesn’t

 If you're serious about building long-term property wealth through super, this episode gives you the clarity you need before making a move.

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

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

📍 FIND US HERE
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Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511

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

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

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📉📈 Asset prices move constantly, and property investors who ignore them usually pay the price.

In this episode of The Mortgage Chat, Tony breaks down how changes in asset prices influence property values, borrowing power, and long-term investment outcomes.

We unpack:
 🏠 What asset prices actually represent
 📊 How rising asset prices affect borrowing capacity
 💰 The flow-on effects to property markets
 ⚠️ Mistakes investors make when asset prices shift
 🧠 How smart investors adapt their strategy

If you want to make better property decisions during market changes, this episode helps you understand what’s really happening behind the scenes.

🎧 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]

00:00 – Intro: Why Asset Prices Matter
00:50 – What Asset Prices Actually Mean
02:15 – How Asset Prices Change Over Time
03:45 – Impact on Property Values
05:10 – Borrowing Power and Lending Impacts
06:45 – Investor Behaviour During Price Shifts
08:20 – Common Mistakes Investors Make
09:55 – Adjusting Strategy in Changing Markets
11:30 – Long-Term Thinking Around Asset Prices
13:05 – Key Takeaways

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🏦 SMSF property investing can be powerful, but only when structured correctly.

Get it wrong and the consequences can be costly.

 In this episode of The Mortgage Chat, Tony breaks down how SMSF property investing actually works in Australia, including the rules, risks, and lending structures banks assess.

 You’ll learn:

 📘 How SMSFs can buy property

 🏠 What type of properties SMSFs can and can’t purchase

 💰 SMSF loan structures explained simply

 ⚠️ Common SMSF property mistakes investors make

 📊 Who SMSF property investing suits (and who it doesn’t)

If you’re considering buying property through your SMSF, this episode gives you clarity before making big decisions.

🎧 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]

00:00 – Intro: SMSF Property Explained
00:45 – What an SMSF Can Invest In
02:10 – Why Investors Use SMSFs for Property
03:55 – SMSF Borrowing Rules Explained
05:40 – Limited Recourse Borrowing Arrangements
07:20 – What SMSFs Cannot Do
09:10 – Risks of SMSF Property Investing
10:45 – Cash Flow and Liquidity Considerations
12:20 – Who SMSF Property Investing Suits
13:55 – Final Thoughts and Key Takeaways

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📊 Property investment without a plan usually leads to mistakes.

Too many investors jump into deals without understanding how their loans, cash flow, and long-term goals connect.

In this episode of The Mortgage Chat, Tony breaks down how proper investment planning sets successful investors apart.

We cover:
 🧠 Why strategy matters more than chasing deals
 🏠 How to align your property choices with your goals
 💰 Planning loan structures before buying
 📈 Balancing growth, yield, and risk
 ⚠️ Common planning mistakes that stall portfolios

If you want to build property wealth with clarity and confidence, this episode helps you understand how to plan properly before making your next move.

🎧 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]

00:00 – Intro: Why Investment Planning Matters  
00:40 – Common Investor Planning Mistakes  
01:55 – Setting Clear Property Goals  
03:15 – Matching Strategy to Your Financial Position  
04:45 – Planning Loan Structures Early  
06:20 – Growth vs Yield in Your Plan  
08:05 – Risk Management for Investors  
09:40 – Planning Beyond the First Property  
11:15 – Long-Term Portfolio Thinking  
12:45 – Final Takeaways

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🏦 Trust lending has changed — and many investors are feeling it.

In this episode of The Mortgage Chat, Tony breaks down the recent changes to Macquarie Bank’s trust lending policies and why this is creating challenges for property investors using trust structures.

We cover:
 📉 What has changed with Mac Bank trust lending
 📄 Why trust structures are under more scrutiny
 💰 How serviceability is being assessed now
 🏠 What this means for property investors moving forward
 ⚠️ Common mistakes investors are making after the changes

If you’re using a trust structure or planning to invest through one, this episode will help you understand how lending rules are shifting and what strategies still work in 2025.

🎧 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]

00:00 – Intro: Trust Lending Changes Explained  
00:35 – What Happened With Macquarie Bank  
01:40 – Why Trust Lending Is Tightening  
03:05 – How Serviceability Is Being Assessed  
04:40 – Impact on Property Investors  
06:10 – What No Longer Works  
07:45 – Common Investor Mistakes  
09:20 – Alternative Lending Strategies  
11:00 – What Investors Should Do Next  
12:30 – Final Thoughts

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📈 Rental yield is one of the most misunderstood parts of property investing.

 Most Aussies focus only on capital growth, but yield can make or break your cash flow — especially in a high-rate environment. 

 In this episode of The Mortgage Chat, I break down:

🔥 Gross yield vs net yield

 🔥 How much yield you actually need in 2025

 🔥 What high-yield properties REALLY look like

 🔥 How yield helps balance a negatively geared portfolio

 🔥 Why some investors get stuck because they ignore rental income

 If you’re trying to build a strong, sustainable property portfolio, understanding yield is non-negotiable. I’ll walk you through the numbers in a simple, no-BS way so you can make smarter decisions and boost your cash flow.

💬 Have a question about yield? Comment “YIELD” below and I’ll reply personally.

 🎧 LISTEN TO THE PODCAST

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YouTube: YoutubeThe Mortgage Agency

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Tony Xia | The Mortgage Agency

 📞 0423 718 612

 📩 [email protected]

00:00 – Intro: Why yield matters in 2025

 00:24 – Gross yield explained

 01:10 – Net yield and real-world expenses

 02:05 – What’s considered a good yield in Australia

 03:00 – High-yield property examples

 04:15 – Using yield to balance negative gearing

 05:20 – Yield vs capital growth strategy

 06:30 – How yield affects borrowing power

 07:10 – Tips to boost rental yield

 08:05 – Final thoughts for investors

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⚠️ Did you just get a MASSIVE bonus or commission check? Don't let the ATO take 45% of it! 

This Aussie tax strategy could save you tens of thousands.

In this episode of The Mortgage Chat, I break down a powerful, but often misunderstood, strategy that helped my client reduce his tax liability by over $43,000 on a one-off commission. 

If you're a high-income earner, especially in sales or a commission-based role, and you've had an unexpectedly large payday this financial year (a 'first-world problem' we all wish we had!), this video is a must-watch.

The strategy? 

Using an Interest in Advance Loan on an investment property. 

This allows you to prepay the next financial year's tax-deductible interest this financial year. By paying $97,200 of 2026's interest in 2025, my client was able to significantly reduce his taxable income, pushing a large chunk of his one-off commission out of the 45% tax bracket. We dive into the specific numbers, showing you how $150,000 in income exposure was reduced to just $52,800, leading to a huge tax saving.

Important Caveats: 

This strategy is primarily for investors who expect a high-income year followed by a lower-income year. I also discuss the main downfall—the risk of paying a higher interest rate if rates drop in the following year. As always, this is not tax advice; you must consult with your Australian Accountant before proceeding.

Watch the video to understand how this advanced strategy works and determine if it's the right move for your investment portfolio in Australia. Don't leave money on the table for the tax man!

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

Chapters

0:00 Introduction & The $45,000 Tax-Saving Story
1:17 Who is at risk of the 45% tax bracket in Australia?
2:52 What is an Interest in Advance Loan?
3:56 How a $150,000 bonus created a tax killer
4:41 The Interest in Advance Loan Strategy: The Numbers
5:20 The 'Negative Gearing' Concept Explained
5:34 The Tax-Saving Result: How we saved over $43,000
6:58 The Biggest Downfall of an Interest in Advance Loan
7:36 Final Warning: Is this strategy right for you?

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

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Equity Explained: How to Use It to Build Wealth

In this episode of The Mortgage Chat, we unpack what equity really is and the smart ways to use it to achieve your property and financial goals.

We’ll cover:
🏡 How home equity works in Australia
📊 What banks look at when calculating usable equity
💰 Different ways to use equity (investment, renovations, debt consolidation)
⚠️ Mistakes to avoid when tapping into your equity
📈 How to turn equity into long-term financial growth

If you’ve been thinking about using equity to buy an investment property, renovate, or restructure your loans, this episode gives you the roadmap.

🎧 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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🌏 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)