Wealth Coffee Chats

Jason Whitton
  • 4.7 (23)
  • INVESTING
  • UPDATED DAILY

Looking for a daily update on creating the wealth of your dreams? Do you want property investment explained in a simple language? Do you want to learn it whilst sipping on your coffee? Then you’re in the right place! Join me for a daily coffee and chat about all things wealth. With a strong focus on real estate wealth, you’ll cut through the confusion and overwhelm that stops most people in their investment tracks. For the live edition of the episode, where I can answer your questions live, join me on Facebook

  1. 56 MINS AGO

    Rates Are Up - But DTI Rules Are the Bigger Game Changer for Borrowers

    Welcome to this week’s Friday Wealth Coffee Chats with Sarah Shome from the lending and finance team. While most borrowers are focused on the recent 0.25% rate rise from the Reserve Bank of Australia, there’s another major shift happening behind the scenes — and it could have an even bigger impact on your borrowing power. This month, APRA activated a 20% cap on high debt-to-income (DTI) lending for deposit-taking institutions. In simple terms, banks can now only allocate one in five loans to borrowers whose total debt exceeds six times their income. In this episode, we break down: What the recent rate rise actually means in real dollar termsWhy investor rates are now comfortably in the sixesHow banks assess serviceability using higher stress-test buffersWhat DTI (Debt-to-Income ratio) really is — and how to calculate yoursWhy property investors and multi-property owners may feel the biggest impactHow borrowing is now being “rationed” across lenders We also explore alternative lending pathways, including non-bank lenders like Pepper Money, Liberty Financial, and Firstmac, which are not subject to the same DTI caps — though they may come at a premium. Plus, we discuss: Why new construction builds are exempt from the DTI cap How unused credit cards and small debts can significantly hurt your borrowing power Why refinancing may now be more complex The key questions you should be asking your broker right now With persistent inflation still a concern, these lending rules may be here for a while. That means strategy matters more than ever. It’s no longer just about finding the best investment — it’s about structuring your lending correctly so you can continue to grow within the new limits. If you're planning to refinance, invest, or expand your portfolio, this is a must-listen episode to stay ahead of the changing lending landscape. Enjoy the episode — and have a great weekend.

    10 min

  2. 1 DAY AGO

    ASX Reporting Season Explained Winners, Losers & Market Reactions

    Welcome to this Thursday Financial Planning session, where we break down one of the most important times in the investing calendar — ASX reporting season. With February marking half-year results (and August covering full-year results), listed companies provide updates on earnings, dividends, business performance, and forward guidance. These updates can significantly impact share prices — sometimes in ways that surprise even experienced investors. In this episode, we unpack: What reporting season is and why it mattersHow earnings and dividends influence share pricesWhy markets don’t always react logically to “good” resultsThe strongest performing sectors so far — including banksWhy some healthcare and retail stocks have struggledHow expectations, not just results, drive market reactions We also look at real examples from this reporting season, including: BHP – Up strongly after pivoting toward copper and benefiting from the clean energy theme, alongside increased dividends. Commonwealth Bank – Posting strong results as higher interest rates continue to support bank profitability. Pro Medicus – Delivering solid growth in revenue and profit, yet seeing a sharp share price decline after missing high market expectations. We also touch on the performance of NAB, Temple & Webster, ANZ, CSL, and Cochlear, highlighting how sectors like banking, mining, healthcare, retail, and tech are navigating current market conditions. Most importantly, we discuss what investors should actually focus on during reporting season — CEO commentary, forward guidance, sector trends, diversification, and long-term positioning. If you hold individual shares (not just ETFs), this is one of the most critical periods of the year. Expect volatility. Expect double-digit moves. And most importantly, understand why they’re happening. Tune in to stay informed, stay strategic, and stay ahead of the market conversation.

    20 min

  3. 2 DAYS AGO

    Rents Still Rising in 2026: Property Investing & Rental Market Outlook

    Rental markets are tightening again in 2026 — and rents are still rising across Australia’s capital cities. This episode breaks down what’s driving rental growth, how vacancy rates are shaping supply and demand, and why unit rents have been outperforming houses in many locations. You’ll also learn the biggest mistake landlords make during annual rent reviews and how to avoid leaving money on the table. Practical insights for property investing, cash flow, and smart wealth strategy.

    17 min

  4. 4 DAYS AGO

    Using Home Equity Without Risking Your Home Smart Structuring Explained

    On this Monday education session of Wealth Coffee Chats, we tackle one of the biggest fears in property investing: “What if I lose my home?” For many homeowners, the idea of using equity to invest feels risky. More debt. More interest. Longer loan terms. Rising rates. It can feel like you’re moving backwards instead of building wealth. But what if the issue isn’t using equity — it’s how you structure it? In this episode, we break down: Why fear stops people from accessing their home equityThe common mistakes that make investing feel unsafeWhat cross-collateralisation is — and why it can put your home at riskHow the “all-monies clause” can limit your flexibilityWhy using one bank for everything isn’t always the safest optionHow to structure loans across separate lenders to protect your assetsHow equity is calculated (80% LVR explained simply)A real-world scenario showing how growth can help recycle equityHow to create flexibility and control while protecting your home We walk through a practical example of releasing equity correctly, building a “brick wall” between properties, and setting up a structure that allows growth to eventually pay down non-deductible debt. The key takeaway?It’s not about taking on reckless risk. It’s about structuring smartly, protecting your home, and creating flexibility for the future. If you’ve ever worried that using equity means gambling your family home, this episode will help demystify the strategy and show you how it can be done safely and effectively. As always, if you’d like to explore how this applies to your own situation, reach out to the advisory team for a personalised discussion. Have a great week ahead!

    19 min

  5. 13 FEB

    Interest-Only vs P&I Loans: Smart Property Investing Strategy

    Should you choose interest-only or principal & interest when building a property portfolio? This episode breaks down when each loan type makes sense, how it impacts cash flow and borrowing power, and why your lender’s servicing rules matter more than ever. Learn how smart finance structure can support long-term wealth strategy—especially during the acquisition phase. If you’re focused on property investing, finance, and staying ahead of interest rate and lending policy changes, this is a must-watch.

    10 min

  6. 12 FEB

    Div 296 Super Tax Explained: What Investors Must Know

    Division 296 is set to introduce major changes to how large superannuation balances are taxed in Australia. This episode breaks down the proposed super tax thresholds, what happens to balances above $3 million, and how death benefits may be impacted from 1 July 2026 onwards. If you’re building long-term wealth through property investing, inheritances, or strategic super contributions, this reform could significantly affect your wealth strategy. Understanding the tax implications now is critical for future financial planning and estate structuring.

    17 min

  7. 10 FEB

    AML Reforms 2026: What Property Investors Must Know

    Australia is rolling out major AML/CTF Tranche 2 reforms that will significantly impact property investing, finance, and wealth strategy. From 2026, real estate agents, accountants, lawyers, and finance professionals will face mandatory reporting obligations for property transactions and fund transfers. This episode breaks down what these changes mean for investors, complex ownership structures, offshore transfers, and compliance risks. If you're building wealth through property, understanding these finance regulations is now essential.

    16 min

  8. 9 FEB

    The Value of Bus Tours and Education

    In this episode, we unpack why education is one of the most powerful tools in property investing—especially when it’s hands-on and in-person. You’ll learn how town planning and bus tours can help you understand real-world opportunities, compare property types, and make smarter wealth strategy decisions with more certainty. We also cover why buyer’s remorse is normal and how ongoing learning and community support can reduce fear and improve outcomes. If you want to invest with confidence, this is your reminder to stay proactive and keep learning.

    12 min
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4.7
out of 5
23 Ratings

About

Looking for a daily update on creating the wealth of your dreams? Do you want property investment explained in a simple language? Do you want to learn it whilst sipping on your coffee? Then you’re in the right place! Join me for a daily coffee and chat about all things wealth. With a strong focus on real estate wealth, you’ll cut through the confusion and overwhelm that stops most people in their investment tracks. For the live edition of the episode, where I can answer your questions live, join me on Facebook

Information

  • Creator
    Jason Whitton
  • Years Active
    2020 - 2026
  • Episodes
    983
  • Rating
    Clean
  • Copyright
    © Jason Whitton
  • Show Website
    Wealth Coffee Chats

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