In today’s Wealth Coffee Chat, we break down major changes to lenders mortgage insurance (LMI) waivers that could fast-track your property journey—especially if you’re in the medical, legal, or emergency services fields. Learn how new LMI policies from CBA and NAB could help you or someone you know borrow up to 90% without the costly insurance premium. Plus, we unpack how mortgage insurance really works behind the scenes and explore strategic ways to structure your loan to save more and invest smarter. Grab your coffee and let's dive in! Let's Wealth Coffee Chat!

Big changes are coming to superannuation in 2025—are you ready? In today’s Wealth Coffee Chat, Alex from Positive Real Estate’s financial planning team breaks down the upcoming increases to the Super Guarantee and Total Super Balance cap. Discover what these updates mean for your salary, your retirement planning, and your tax strategy. Whether you're a young professional or approaching retirement, understanding how to maximise your super could save you thousands and boost your long-term wealth. Let's Wealth Coffee Chat!

Are you facing issues with your new build investment property? In this Property Management Wednesday episode of Wealth Coffee Chats, Kat Shostan breaks down the most common types of building defects and what every property investor needs to do when they arise. From roller door failures to paintwork imperfections, learn why defects are inevitable, how to handle them like a pro, and the role of your property manager and building inspector in protecting your asset. Tune in to find out how to avoid costly mistakes and stay calm through the process! Let's Wealth Coffee Chat!

In this Tax Tuesday episode, Anthony Wolfenden uncovers the often-overlooked Div 293 tax—a sneaky surcharge from the ATO that can sting high-income earners after a property sale. If you’ve made a capital gain and contributed to super, this hidden tax could cost you up to $4,500 without warning. Learn how Div 293 is triggered, how it’s calculated, and why even smart investors can get caught out. Don't be surprised at tax time—be prepared. Let's Wealth Coffee Chat!

Big news for first home buyers! In today’s episode, Jason dives into the game-changing government grants and stamp duty exemptions across Australia—some states are offering up to $60,000 in combined savings. From Queensland’s $30K grant to zero stamp duty in Victoria, Jason breaks down how savvy buyers can leverage these incentives to get into the market with minimal cash. Plus, discover how strategies like the Bank of Mum and Dad and family guarantee loans can fast-track home ownership. If you’re a first-time buyer (or know someone who is), don’t miss this one! Let's Wealth Coffee Chat!

Self-Managed Super Funds (SMSFs) are powerful tools in your property investing journey—but they don’t work without the right team. In today’s episode of Wealth Coffee Chats, we dive into the crucial professionals you need to set up an SMSF and unlock borrowing potential. Discover how the wealthy use a “family office” approach to align accountants, brokers, financial planners, and solicitors toward one goal: financial freedom. Plus, learn how to protect and preserve your wealth long after you’ve acquired it. Let's Wealth Coffee Chat!

In today’s Wealth Coffee Chat, Jason unpacks the top three risk management essentials every property investor needs to safeguard their portfolio. From tenant troubles to natural disasters, discover how a great property manager, the right insurance, and a well-funded buffer account can protect you when things go wrong. Learn why proactive planning beats reactive stress, and how to future-proof your investing journey for long-term success. Whether you're just starting or scaling your portfolio, these tips are absolute musts. Let's Wealth Coffee Chat!

What if you could get the benefits of a high-net-worth family office—without the seven-figure price tag? In today’s Wealth Coffee Chat, Daniel McPherson from Positive Tax breaks down how everyday Aussies can replicate the power of a cohesive professional team. Learn why aligning your planner, broker, accountant and strategist can unlock smarter wealth creation, reduce costly mistakes, and fast-track your property investing goals. Tune in for real-world examples, practical tips, and the mindset shift that could change your financial future.

In today’s special Finance Friday episode of Wealth Coffee Chats, Cang is joined by members of Positive’s six-star team live from the Positive Money team, live from the Exit Plan. The team deep-dives into the real impacts of casual and contract income on your borrowing power, sharing real client scenarios, loan preparation tips, and lender insights. Whether you're switching roles, adding a second job, or going from full-time to ABN-based contracting, this is essential viewing before applying for a loan. Learn how to proactively structure your income for long-term property investment success.

In this episode of Wealth Coffee Chat, Cass Sjostedt from R&W Plus discusses the critical differences between wear and tear and tenant damage in property management. Cass walks us through the importance of understanding these concepts for landlords to effectively manage their properties and maintain good relationships with tenants. Cass covers best practices for property management, including regular inspections and documentation, budgeting for maintenance and setting clear expectations with tenants. Do you want to know more? Let’s Wealth Coffee Chat!