🔥 Top Quotes

🎙 Episode Synopsis

Happy New Year from the Finance on Tap crew! In this energetic first episode of 2026, Dan, Baxter, and Nathaniel crack open a blackberry sour and dive into everything from travel reflections in Asia to sharp debates on Australia's evolving home lending landscape. The trio unpacks major updates to trust lending from the big banks and goes head-to-head on the controversial new Help to Buy 2% deposit scheme. Full of laughs, personal growth, and practical insights, this episode blends finance with friendship in true Finance on Tap style.

⏱ Episode Breakdown

0:00 – Intro & Beer of the Week
Welcome back! The team toasts to 2026 with a tart blackberry sour and some can design appreciation.

2:30 – Travel Recap: Japan, Thailand, Shanghai & Philippines
Each host shares where they went over the break and what they learned, from working as a digital nomad to gaining perspective in the Philippines.

10:20 – 2026 Mindset & Goals
Discussion turns to goal-setting, inspired by a guest speaker who ran 50 marathons in 58 days. The group reflects on the importance of non-negotiables and daily wins.

15:10 – Trust Lending Tightens: What It Means for Investors
A major shake-up: the big banks are restricting trust lending. The hosts discuss the impacts, risks of misuse, and how savvy investors may adapt.

22:15 – DEBATE: Is the 2% Help to Buy Scheme a Trap or a Tool?
A fiery discussion erupts. Dan argues it limits long-term flexibility, while Nathaniel sees it as a last-resort path to ownership for those locked out. Math, nuance, and passion fly in this meaty segment.

28:10 – Closing Thoughts & 2026 Outlook
With broker market share growing, the team looks at how to stand out this year — and teases future finance topics to come.

Finance on Tap – Recap of Episodes 6, 7 & 8
Top Quotes

"We love beers, we love finance, and we love more beers together."

"Winners win — and the thing is, every week we either learn or we win. Or both."

"You think your parents love you? Put a dollar amount on it — that’s a family guarantor loan."

Episode Summary

In this fast-paced recap, the Finance on Tap crew highlights the best moments from Episodes 6, 7, and 8. From quirky beer reviews to valuable finance insights, the team shares listener feedback, personal growth wins, and a detailed breakdown of family guarantor loans. Whether you’re into property, finance, or just great banter between mates, this episode gives you a quick hit of everything that makes the show what it is.

Timestamps

00:00 – Intro
The crew resets the tone: finance, fun, and keeping it real.

01:30 – Brewing an Idea
A bold vision for a Finance on Tap brewery partnership.

04:00 – Honest Feedback
Young team member Lachlan shares thoughts on the show’s direction — and it's a turning point.

07:00 – Celebrating Wins
Why it’s important to reflect on weekly successes in finance and business.

10:45 – Flashback to 2021
Early career choices, tie-dye shirts, and trusting your gut.

14:20 – Family Guarantor Loans Explained
An informative segment on how family guarantees work, the risks, and who it’s best suited for.

19:00 – Full Circle Moment
A great client story where parents helped, and the kids stepped up to take control.

21:00 – Friendly Rivalries
Office competition, performance stats, and a little trash talk — all in good fun.

22:45 – Wrap-Up
Final thoughts on hard work, patience, and long-term wins in both life and finance.

Episode Duration: 23:00

In this episode, the boys dive into the gritty realities of becoming a mortgage broker — beyond the suits and glossy Instagram posts. From anti-money laundering risks to dodgy entry-level “training” programs, Baxter, Dan, and Nathaniel don’t hold back on what it actually takes to succeed in the industry. They share war stories, laugh through some honest truths, and stress the importance of mentorship, mindset, and staying above board. For anyone eyeing a career in finance, or wondering how brokers really operate behind the scenes, this one’s essential listening.

⏱️ Episode Breakdown

0:00 – 4:30 | Beers, Banter & Phone-Ins

• The crew kicks off with some light-hearted chaos and beer selections
• Surprise phone call from Forest Lake’s “top agent” Danny — unfiltered and hilarious

4:30 – 12:00 | The Serious Side: Anti-Money Laundering & Broker Liability

• How brokers (and clients) can accidentally break the law
• Real risks of forged pay slips, edited documents, and the career-ending consequences

12:00 – 22:00 | What It Takes to Be a Broker — No Filter

• Why the low entry barrier is dangerous for both clients and new brokers
• The myth of the “get rich quick” broker and what separates real professionals

22:00 – 30:00 | Mentorship, Mistakes & The Learning Curve

• The team reflects on their own starts in the industry
• Why associateships and admin roles are often better than diving in solo

30:00 – 36:00 | Competition & Culture in Broking

• Awards, egos, and the real meaning of healthy competition
• Glazed-up rivalry and what motivates top performers

36:00 – 43:43 | Final Advice for New-to-Industry Brokers

• Sacrifice, patience, and surrounding yourself with the right team
• “Don’t be afraid to ask questions — and don’t pretend to know everything.”

🔗 Connect with the Finance On Tap Team
💼 Want to work with Baxter, Dan, or Nathaniel?
📩 Reach out or book a chat via: www.woodrowfinance.com.au

📱 Follow the team on socials for behind-the-scenes content, finance tips, and more:
Instagram: @woodrowfinance
TikTok: @woodrowfinance
LinkedIn: Woodrow Finance
YouTube: Finance On Tap

🍻 Finance. Beers. Banter.