Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

OR contact us on hello@sourcefinancial.com.au

This one's going to sting. But you need to hear it 🔥

You say you want to buy a house. You say you're "saving." But then you're spending $7 on coffee every morning, ordering UberEats three nights a week, and subscribing to six streaming services you don't even watch. Sound familiar? That's not saving. That's pretending to save while your deposit sits at the same number it was six months ago 😬

In this episode, Corey and Ben lay it all out — the real cost of your daily habits, why fuel alone is eating your deposit, and the uncomfortable truth about what it actually takes to save for a home in today's market. No sugarcoating, no "you're doing great sweetie" — just the reality check most people need but nobody wants to give them 💰

Here's what we get into:

⛽ Fuel price predictions — will it ever drop below $2 again? (Spoiler: no.)

💸 The discretionary spending that's silently killing your deposit

☕ How small daily costs add up to tens of thousands per year

💰 Strategies for actually saving — side hustles, cutting costs, and being honest with yourself 👫 Why you need to have the money conversation with your partner NOW

📊 How your expenses directly impact your borrowing capacity

🧠 Financial discipline vs financial excuses — which side are you on?

🏠 James and Hermione's real home buying journey — the wins and the wake-up calls

📉 Interest rates and what they mean for your buying timeline

Corey and Ben don't hold back on this one. They talk about parental support, the reality of saving without a head start, and why accountability is the missing piece for most people who "can't afford" a house. The truth is — most people CAN afford it. They just can't afford their lifestyle AND a house at the same time 👊

Whether you're saving for your first deposit, wondering why you're not getting ahead, or you know someone who needs this wake-up call — send them this episode. Seriously.

💬 What's the one expense you KNOW you should cut but won't? Be honest in the comments 👇

Chapters

00:00 Introduction and Predictions on Fuel Prices

03:07 Navigating Home Buying: Parental Support and Saving Strategies

05:53 The Reality of Saving for Property

08:55 Understanding Borrowing Capacity and Financial Discipline

12:02 Discretionary Spending: The Hidden Costs of Lifestyle Choices

14:59 The Importance of Accountability in Financial Decisions

17:57 Scenario Analysis: James and Hermione's Home Buying Journey

20:48 The Impact of Interest Rates on Home Buying

24:10 Final Thoughts and Call to Action

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #SavingForAHome #FinancialDiscipline #BorrowingCapacity #FuelPrices #FirstHomeBuyer #PersonalFinance #moneyhabits

This video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456 Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

Your property is growing in value right now. The question is — who's benefiting from it? Because if you're just sitting in your home making repayments and doing nothing with the equity building up inside it... someone else is winning from the growth you're sleeping on 😬

Most Australians own one property and stop there. They think they're "in the market" — but the truth is, they're barely scratching the surface of what their property could be doing for them. Meanwhile, the investors who understand equity release, valuations, and structure are using that same growth to buy their second, third, and fourth properties 💰

In this episode, Corey and Ben break it all down — where property prices are headed, why equity is the most misunderstood asset in Australia, and how the right investment structure can completely change your borrowing power and your future 🏠

Here's what we get into:

🏘️ Property market predictions — why prices are likely to keep climbing 💰 The equity sitting in your home and how to actually put it to work 📊 Why valuations matter more than you think and how they affect your next move 🏦 Investment structures — how the wrong setup is keeping you stuck 🔑 The journey from one property to a real portfolio — step by step 📖 Real investor stories — people who bought at the right time and what they did differently 🧠 Why "don't wait" isn't just a slogan — it's backed by decades of data ⚡ How to engage with the right professionals to fast-track your strategy

Corey says it best — "Don't wait, don't wait, don't wait." Property has historically rewarded the people who take action, not the ones who sit around waiting for the perfect conditions. The perfect conditions don't exist. But the right strategy does 👊

Whether you're an owner-occupier who's never thought about your equity, someone stuck on one investment property, or just getting started and wondering when to jump in — this episode lays out exactly what to do next.

Oh, and there might be something about bribing people with sausages. You'll have to listen for that one 😂

💬 Real talk — how many properties do you own? And what's stopping you from getting the next one? Drop it in the comments 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts! 👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.

Chapters 00:00 Introduction to Property Finance 02:52 Market Predictions and Property Prices 05:56 Understanding Equity and Valuations 09:10 Investment Structures and Strategies 12:02 The Journey to Second Property Investment 14:57 Investor Stories: Buying at the Right Time 18:01 Navigating the Property Market 20:54 Conclusion and Future Insights

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #EquityRelease #PropertyValuations #InvestmentStructure #PropertyPortfolio #FinancialFreedom #PropertyGrowth

Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd ACN 657 912 868 ("Source Financial") Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

What if one conversation could unlock $200K in borrowing power you didn't even know you had? Sounds too good to be true — but it's not. Most people never ask. And that's exactly why they stay stuck 💰

In this episode, Corey and Ben unpack the strategies that actually move the needle on your borrowing capacity — from the simple stuff like asking for a pay rise (seriously, just ask) to the things nobody talks about, like how your relationship status, your kids, and your spending habits are quietly destroying your ability to borrow 🏠

We also get into some wild real-life investor stories, including one that'll make you rethink what's possible when you stop playing it safe and start playing it smart 🔥

Here's what we cover:

💰 The $200K borrowing hack — how one simple ask changed everything

📈 Why a pay rise is the fastest way to boost your borrowing power

💳 The types of debt that are secretly tanking your capacity

👫 How your partner (and your kids) affect what the banks will lend you

🏡 Rent vesting — why living where you want and investing where the money is actually works 📊 How to decrease expenses on paper and in reality to unlock more lending

🤯 Extreme investor success story — this one's going to blow your mind

📐 Scenario of the week: high-value equity growth breakdown

Corey drops a truth bomb in this one — "you can't get rid of a kid" — but you CAN restructure everything around your life to maximise what the banks will give you. It's not about earning more, it's about positioning smarter 🧠

Whether you're trying to crack into the market, looking to add to your portfolio, or just wondering why the bank keeps saying no — this episode shows you the levers you didn't know you could pull 👊

💬 Have you ever asked for a pay rise specifically to boost your borrowing power? Drop your story below 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify, Apple OR anywhere you listen to podcasts!

Chapters

00:00 Introduction and Podcast Purpose

01:21 Predictions for the 2027 Federal Election

04:38 Key Strategies to Make Property Investment Easier

08:29 How to Increase Income for Borrowing Power

12:45 Decreasing Debt and Managing Expenses

17:10 Scenario of the Week: High-Value Equity Growth

23:03 Coffee Sponsorship and Future Plans

24:44 Extreme Investor Success Story

29:31 Lessons on Building Wealth and Portfolio Growth

30:48 Closing Remarks and Next Steps

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #BorrowingPower #MortgageHack #RentVesting #PropertyFinance #FinancialFreedom #InvestorStories

This video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://calendly.com/coreygoldby/disoverycall

Contact us here: fatprofits@sourcefinancial.com.au

Everyone says "wait for the right time." Corey and Ben sat down and actually ran the numbers on what waiting costs you...and it's ugly. Really ugly 😬

Here's the reality, banks are opening up, deposits are dropping to as low as 2%, and property in key markets has been doubling within five to ten years. Meanwhile, the people sitting on the fence watching are getting further behind every single month. We're not saying this to scare you. We're saying it because we've done the math and the numbers don't lie 📊💰

In this episode, Corey and Ben break down exactly where the market is heading, why getting in NOW matters more than getting in perfect, and the real strategies that are turning everyday Aussies into property millionaires 🏠

Here's what we get into:

🔥 Why waiting to buy is the most expensive decision you'll ever make

🏦 Banks are loosening up — 2% deposits and new lending policies explained

📈 How a $500K property today could change your life in 10 years

💰 The couple who built $1.2M in equity in just one year — how they did it

🔨 Sweat equity and renovations — adding value the smart way

🎯 Setting real goals with real timelines (not just "one day I'll invest")

🏖️ Cash flow strategies that lead to actual freedom, not just more debt

🧠 Why the first purchase is the hardest — and why that's exactly the point

Corey shares his own journey from first property to financial freedom, and Ben brings the sharp questions that every buyer should be asking right now. Together they prove that the best time to buy was yesterday — but the second best time is today 👊

Whether you're 25 and saving your first deposit, a homeowner who's never touched their equity, or an investor wondering if there's still room to grow — this conversation is the kick you didn't know you needed 🔥

💬 Be real with us — are you in the market right now or still waiting? Drop your situation in the comments, we read every single one 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts!

👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.

Chapters

00:00 Introduction to Property Finance and Positive Outlook

01:23 Predictions for Buyers in the Property Market 03:12 Best Case Scenarios for Property Investment

06:03 The Importance of Setting Goals in Property Investment

09:18 Finding Freedom Through Wealth and Purpose

11:08 Scenarios of the Week: Refinancing and Equity Release

17:23 Investor Stories: Personal Experiences and Lessons Learned

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #BuyNow #FirstHomeBuyer #EquityRelease #PropertyGrowth #CashFlow #FinancialFreedom

This video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

Let's be real — if you haven't stress tested your mortgage in the last 6 months, you're flying blind. Rates are moving, inflation isn't slowing down the way they promised, and building costs are about to jump 25-30%. That's not fear-mongering — that's what the data is saying 📊

Most people won't prepare until it's too late. This episode is for the ones who'd rather be early than sorry 🧠 Corey breaks down the economic signals you should actually be paying attention to right now, what the RBA is doing behind the scenes, and the moves smart Australians are making while everyone else is doom-scrolling the news 💰

Here's the rundown:

⚡Rate hikes — what's coming next and how it hits your repayments 🛒 The real cost of living crisis — why it feels worse than the CPI says

🏗️ Building costs about to spike — what this means for property values 🏦 Banks are cracking down on mortgage fraud — are you exposed?

🤖 AI is replacing jobs faster than you think — how to stay relevant

📉 Recession talk — is it actually coming and how do you profit if it does?

🔐 The step-by-step to recession-proofing your finances starting today

This isn't doom and gloom. Yeah, things are shifting — but every economic shake-up creates opportunities for the people who are actually paying attention. Corey shows you where to look and what to do next 🔥 💬

Real talk — are you feeling the squeeze right now? Drop a comment and tell us what's hitting your household the hardest 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify, Apple OR anywhere you listen to podcasts! 👉 Don't forget to FOLLOW, and leave us a comment — we'd love to hear from you.

Chapters 00:00 Economic Signals and Interest Rates 03:12 Cost of Living Crisis and Inflation 05:58 Mortgage Fraud and Banking Scrutiny 08:49 Preparing for Economic Changes

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #InterestRates #Inflation #MortgageStress #RBA #CostOfLiving #Recession #BuildingCosts

Fat Profits Podcast https://www.instagram.com/fatprofitspod/

Corey Goldby https://www.instagram.com/financewithcozza/

Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd ACN 657 912 868 ("Source Financial") Australian Credit Licence 539456

Work with MORTGAGE BROKERS who investment themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

The government's eyeing your profits. CGT changes, immigration shifts, interest rate moves — there's a lot happening right now and most investors are either ignoring it or panicking. Neither is the move 🚨

In this solo episode, Corey breaks down what's actually going on in the Australian property market, cuts through the media noise, and lays out what smart investors should be doing right now to protect and grow their portfolios 💰🏠

Here's what we get into:

🔴 Will the Capital Gains Discount actually get scrapped? What it means for you if it does

📉 Interest rates — where they're headed and how to position yourself

🛬 Immigration pullbacks and why property prices are STILL climbing 🏛️ Government housing policies — who they're really helping (spoiler: probably not you)

⚔️ How to stay competitive when everyone's sitting on the sidelines

🧠 Why now is the time to review your portfolio, not hide from it Property prices continue to grow even when the headlines say otherwise. The investors who win aren't the ones who wait for certainty — they're the ones who move while everyone else is frozen

👊 Whether you're holding, buying, or thinking about your first investment — this episode gives you the real picture so you can make moves with confidence.

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listed to podcasts!

Chapters

00:00 Introduction to Property Finance and Current Headlines 02:51 Capital Gains Tax and Its Implications 05:45 Immigration's Role in Housing Market Dynamics 07:10 Interest Rates and Economic Outlook 09:32 Market Competition and Investment Strategies #PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property

Source Financial

https://sourcefinancial.com.au/

hello@sourcefinancial.com.au

https://www.instagram.com/sourcefinancialau/

https://www.facebook.com/source.financial/

TGM Accounting

https://tgma.com.au/

hello@tgma.com.au

https://www.instagram.com/tgm_accounting/?hl=en

https://www.facebook.com/tgmaccounting/

This video is provided by Source Finance (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who investment themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

Your property team can make or break your investment journey. In this episode we break down how to pick the right people, the red flags to watch for, and why trust matters more than anything 🏠💰

Think about it — you could find the best deal on the market, but if your broker's asleep or your accountant doesn't get your strategy, it can all fall apart. We've seen it happen and we're not letting it happen to you 👊

What we cover:

🧠 Why the right team is just as important as the right property

📊 How the current market demands a team that's actually switched on

❓ The key questions to ask your broker, accountant & buyers agent BEFORE you commit

🚩 Red flags that should have you running the other way

🤝 Why trust and honest communication set you up for long-term wins

📈 How a good team helps you adapt when the market shifts

🎯 The difference between a team that sells you a deal vs one that builds you a portfolio

We get real about the mistakes we've seen investors make — not because they picked the wrong property, but because they had the wrong people advising them.

Your team should be challenging you, planning ahead for you, and picking up the phone when it matters 📱

Whether you're just getting started or you've already got a few properties and you're wondering if your current team is cutting it — this one's for you 🏡 💬

Drop a comment — what's the best (or worst) advice you've ever gotten from someone on your team? We wanna hear the stories 👇

🎧 New episodes every Wednesday at 6am on YouTube OR anywhere you listed to podcasts!

👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.

Chapters

00:00 Introduction and Sponsorship Call

01:05 Predictions for the 2026 NRL Final Series

03:51 The Importance of the Right Team in Property Investment

05:00 Questions to Ask When Building Your Investment Team

07:17 Trust and Integrity in Property and Finance Professionals

09:33 The Value of Having Options and a Flexible Strategy

11:14 The Role of Accountants and Financial Advice in Property

13:23 The Power of Good Conversations with Your Team

14:19 A Current Horror Story: COVID-Related Property Development Challenges

17:00 Lessons from a Property Development Nightmare

18:50 The Future of Property Development and Government Policy

19:20 Call for Local Sponsors in Port Macquarie

Corey Goldby

https://www.instagram.com/financewithcozza/

https://www.tiktok.com/@financewithcozza

Source Financial

hello@sourcefinancial.com.au

https://tgma.com.au/

TGM Accounting

hello@tgma.com.au

https://sourcefinancial.com.au/

Work with MORTGAGE BROKERS who investment themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

Property investing sounds simple — buy a house, watch it grow, retire rich. But the reality in 2026? It's a different game.

In this episode, we sit down with Ben to break down his property investment Journey and with Corey what's actually happening in the property market right now, how the lending environment has shifted, and what you need to do BEFORE you even think about buying. Whether you're a first-timer trying to crack into the market or you've already got a couple of properties under your belt, this one's packed with stuff you can actually use.

We get into:

🏠 What the 2026 property market actually looks like (not the headline version)

💰 How to figure out your real borrowing capacity

🏦 Why your choice of bank matters more than you think

📈 The 6.8% growth rate — what it means and what it doesn't

🔨 Flipping properties — when it works and when it burns you

🧠 Building an investment mindset (not just an investment portfolio)

💬 Drop a comment and tell us — are you team "buy and hold" or team "flip it"?

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listed to podcasts!

👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.

Corey Goldby

https://www.instagram.com/financewithcozza/

https://www.tiktok.com/@financewithcozza

Source Financial

hello@sourcefinancial.com.au

TGM Accounting

hello@tgma.com.au

This video is provided by Source Finance (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456