Wealth Coffee Chats

This hidden tax could cost property investors thousands

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!

How first home buyers can save $60k and get a free house

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’...

What is an SMSF and how can you successfully use them?

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 ...

Protecting your portfolio: 3 risk mitigation tools

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, th...

What is a Family Office and Why It Works

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 s...

What Property Investors Must Know Before Applying for a Loan

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...

Wear & Tear vs. Tenant Damage: What Landlords Must Know

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...

How do you pay less capital gains tax?

In this episode of Wealth Coffee Chats, Anthony Wolfenden from Positive Tax Solutions discusses the intricacies of capital gains tax (CGT) and its implications for property investors in Australia. Anthony walks us through the importance of understanding CGT as an income tax rather than a capital gains tax and outlines strategies to mitigate its impact, including holding properties for over 12 months, offsetting gains with losses and utilising superannuation contributions. Do you want to know mor...

Here’s How Much Income You Need for a Comfortable Retirement

In this episode of Wealth Coffee Chats, Positive Real Estate founder Jason Whitton discusses the importance of real estate investing and retirement planning. Jason walks us through the need for a substantial income during retirement, arguing that the average figures provided by the government are nowhere near enough! 70k a year for retirement? No way. Do you think this is enough to retire on? Let’s Wealth Coffee Chat.

What do you do when you get a low property valuation?

In this episode of Wealth Coffee Chats, Cang Dang from Positive Money walks us through the recent developments in the mortgage and property market, including rate drops, stamp duty concessions for first home buyers in Queensland and the challenges of low property valuations. You need to prepare yourself, financially and mentally for property purchases, particularly in managing potential low valuations and understanding deposit bonds for off-the-plan purchases. Are you prepared for a low property...

Having the Wrong Property Manager Could Send You to Court. A True Story

In this episode of Wealth Coffee Chats, Cass Sjostedt from R&W Plus discusses the critical role of property managers in real estate investment and the potential legal pitfalls that can arise from poor management. Cass shares with us a cautionary tale about a landlord facing legal action due to the negligence of their property manager, emphasising the importance of understanding legal processes and choosing the right management team. Do you think you have the RIGHT property manager for your i...

What is Capital Gains Tax and when do I pay it?

In this episode of Wealth Coffee Chats, Anthony Wolfenden from Positive Tax Solutions discusses the intricacies of capital gains tax, particularly focusing on its implications for property investors in Australia. Anthony walks us through how capital gains tax functions as an income tax, the importance of planning for tax consequences when selling asset and strategies for managing and minimising tax liabilities. Do you want to pay less Capital Gains Tax? Let’s Wealth Coffee Chat!

There are 9 keys pieces to the ultimate Wealth System

How the RBA’s interest rate reduction will affect your mortgage repayments

In this episode of Wealth Coffee Chats, Damien Hauser discusses the recent reduction in interest rates and its implications for personal finances. Damien walks us through the importance of understanding how this change can affect mortgage repayments, refinancing options and overall financial planning. How important is it to communicate with your broker to stay ahead of interest rate cuts? Very! Let’s Wealth Coffee Chat!

Here’s How Australia’s Housing Supply Issues Will Affect Real Estate

In this episode of Wealth Coffee Chats, Brennan Latimer, the Director of R&W Plus walks us through the rapid changes in the local real estate market that are set to come our way over the next 5 years. By the end of 2025, Australia’s population will grow by over 1 million; will this affect the housing market? What are governments doing to help the problem? And how will this affect the investment community? Let’s Wealth Coffee Chat!

Repairs vs Improvements: What can landlords claim with the ATO?

In this Tax Tuesday edition of Wealth Coffee Chats, Daniel Macpherson from Positive Tax Solutions discusses the critical distinctions between repairs and improvements in property investment, emphasising their implications for tax deductions. In the eyes of the ATO are repairs and improvements the same? Or do they each have their own unique and complex methodologies? Let’s Wealth Coffee Chat!

The Major Banks Have Dropped Fixed Rates. Now What Do We Do?

In this Finance Friday edition of Wealth Coffee Chats, Cang Dang from Positive Money discusses the implications of interest rate changes on loans, the importance of understanding loan repayments and the potential pitfalls of financial hardship agreements with lenders. You need vigilance when dealing with banks and always consult with brokers to navigate the complexities of the mortgage market. Want to know more? Let’s Wealth Coffee Chat!

How to Generate Wealth From the Property Cycle - With Sam Saggers

In this episode of Wealth Coffee Chat, Sam Saggers from Positive Real Estate discusses the current state of the real estate market, focusing on the property cycle, economic indicators, and the dynamics of belief versus value in property investment. Sam walks us through the importance of understanding employment rates, inflation, and supply issues in the housing market, while also exploring future trends and potential price increases in real estate. How much do you know about the property cycle? ...

This 1 Thing Could Negatively Affect Your Property’s Rent

Welcome to Property Management Wednesday’s! In this episode of Wealth Coffee Chats, Cass Sjostedt from R&W Plus discusses the importance of understanding tenant demand and how floor plans can significantly influence rental success. Cass walks us through some tips on how to secure tenants faster by avoiding common pitfalls related to property presentation and layout. Is there a direct connection between presentation, floor plans and expected rent in 2025? Let’s Wealth Coffee Chat!

Unlocking the Power of Trusts in Property Investing

In this episode of Wealth Coffee Chats, Daniel McPherson from the Positive Tax Solutions team discusses the intricacies of trusts, particularly discretionary trusts and their relevance in property investing. What are the benefits they offer? Asset protection, tax minimisation, and increased borrowing capacity. Do you want to know more? Let’s Wealth Coffee Chat!

What Do You Do When You Hit a Wall Trying to Buy Property?

In this episode of Wealth Coffee Chats, Tabitha Bright from Positive Real Estate’s adviser team discusses the critical phase of consolidation in property investment, emphasising the challenges investors face, such as financial barriers and market fears. Tab shares some personal experiences and insights on navigating these challenges, highlighting the importance of having a solid plan and being proactive in overcoming obstacles. Are you in the consolidation phase of your journey? Let’s Wealth Cof...

When Is the Right Time to Refinance Your Home Loan?

In this episode of Wealth Coffee Chats, Cang Dang from Positive Money discusses the importance of refinancing home loans, especially in the context of changing interest rates and personal financial situations. What are the key signs that indicate it may be time to refinance? It all depends on financial circumstances, the length of time since the loan was taken out, and the potential to leverage equity for investments. But when is the right time for YOU? Let’s Wealth Coffee Chat!

Do Discounts Exist in the Australian Property Market?

Can you create INSTANT equity from your property investment purchases? Absolutely you can. In this video Positive Real Estate’s Jason Whitton breaks down the step-by-step blueprint to generating instant equity from property discounts, as well as walking us through the multitude of ways that investors can find great discounts on their purchases. How? Let’s Wealth Coffee Chat!

Can You Earn $200K a Year and Pay Zero Income Tax? Yes You Can.

In Australia you’re constantly playing the game of tax; what’s that? It’s the back and forth between you and the ATO, the push and shove as you attempt to legally keep the money you earned in your own pocket. In this video, Jason Whitton from Positive Real Estate walks us through ‘The Rule of 30’, that is, the ways that everyday Australians can adjust their personal tax, super and business tax to find significant legal tax cuts and boost their wealth generation. Want to know more? Let’s Wealth C...

Will the Rba Cut Interest Rates in 2025? With Dr Andrew Wilson

Join Jason Whitton and Dr. Andrew Wilson in this episode of Wealth Coffee Chats as they delve into the latest developments in the Australian property market. They'll cover key topics including interest rates, housing trends and the economic forces shaping real estate investments. Discover the effects of declining inflation, possible interest rate reductions and how different housing markets across Australia are responding. Let’s Wealth Coffee Chat!

Interest Rate Cuts Seem Almost Certain. What Do Investors Do Now?

In this episode of Wealth Coffee Chats, Cang Dang from Positive Money walks us through the almost sure-fire signs of a potential rate cut and how to prepare for them. The big banks sure believe it’s about to happen, so as a property investor what do you need to do to prepare your financial planning, your budgets, and when should you start talking with lenders and accountants about your borrowing capacity? Let’s Wealth Coffee Chat!

The Ultimate Renting Guide for Property Owners in 2025

In this episode of Wealth Coffee Chats, R&W Plus’ Cass Sjostedt discusses the current state of the rental market, focusing on rent growth, vacancy rates and strategies that property managers can employ in 2025. We’ll talk about the challenges faced by property managers and investors, including rising interest rates and compliance issues, while also providing insights into the latest data from CoreLogic. Are you ready for the ultimate guide for renting in 2025? Let’s Wealth Coffee Chat!...

Where Is Australia’s Property Market Headed in 2025?

Welcome back to Wealth Coffee Chats for 2025! In this video Jason Whitton walks us through what investors can expect out of Australia’s property market in 2025; with an interest rate cut looming on the horizon, rising property values and no end in sight for Australia’s housing supply issues, will it be boom or bust for Aussie investors? Let’s Wealth Coffee Chat!

Real Estate Resolutions: Pay off Your Home in Under 10 Years and Save $400K in Interest

In this video Jason Whitton explains how with some simple, and FREE, changes to your mortgage strategy, you can pay off your home loan faster and start using equity to boost your borrowing power for your next property purchase. With the right tweaks you could pay off your home in only 10 years and save over $400k in interest. How? Let’s Wealth Coffee Chat!

Real Estate Resolutions: How Do I Continue Buying Investment Properties? (Turning One Property Into Many)

How do I keep buying investment properties? It’s simple, increase a bit of this and reduce a bit of that. In this video Jason Whitton explains how being proactive with your ability to borrow and save drastically increases your ability to purchase your next investment property, ensuring that you can continue buying into the future to reach your investment goals. How does that work? Let’s Wealth Coffee Chat!