TFS WealthCast

Tomorrow Financial Solutions
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The TFS WealthCast brings clarity, depth, and strategy to finance, property, and wealth-building in Australia. This isn’t just another finance podcast it’s a space where serious investors, ambitious professionals, and wealth builders come to sharpen their edge.Each episode is unique, we sit down with industry leaders, top-performing brokers, property strategists, and seasoned investors who’ve built real portfolios and navigated shifting markets. We dive into advanced topics like: •Smarter lending structures to accelerate portfolio growth•How to leverage equity and refinance effectively•Risk management strategies in uncertain markets•Tax-efficient wealth-building and long-term planning•Identifying emerging hotspots and investment trends before the crowdWhether you’re expanding your property portfolio, restructuring your finances for maximum efficiency, or looking for high-level insights to stay ahead of market shifts, the TFS WealthCast delivers real conversations and actionable strategies that cut through the noise.This isn’t about theory it’s about practical frameworks, smart structures, and proven approaches that help you grow, protect, and future-proof your wealth. 

  1. Finance that pays YOU back: "How TFS is changing the Finance Game"

    NOV 21

    Finance that pays YOU back: "How TFS is changing the Finance Game"

    Send us a text The season finale of TFS WealthCast brings together CEO Pramu Rodrigo and Vishi for a deep dive into the TFS Loyalty Program a pioneering initiative set to redefine mortgage broking and wealth management in Australia. Unlike traditional loyalty schemes that expire or offer token gestures, the TFS program is built on reciprocity: clients earn 70 loyalty credits per $100,000 of new lending and 20 credits annually thereafter, with credits redeemable across a network of luxury villas and resorts operated by the Browns Hotel group and Reveal Collection in Sri Lanka.  Drawing on more than a decade of client relationships, Pramu explains that loyalty is a two way street; many early TFS customers remain with the firm today because TFS delivers more than just competitive rates. The loyalty program reflects that philosophy: members accumulate points based on outstanding loan balances, and those credits never expire, making the program one of the first of its kind in the Australian mortgage market. The conversation covers the program’s tiered structure, ranging from Green (for balances between $100k–$499k) through to Platinum (balances over $1.8 million). Higher tiers unlock perks such as global airport lounge access, complimentary concierge planning and the option to gift credits to friends or family. Listeners also hear how TFS’s strategic partnership with LOLC Holdings allows clients to gain preferential rates on deposits and loans in Sri Lanka, blending wealth creation with curated travel experiences. The episode highlights specific examples from earning enough points on a $1 million combined loan to pay for multiple resort stays, to redeeming credits for flights for relatives who aren’t interested in hotels. By the end of the discussion, it’s clear that TFS is creating a holistic ecosystem that aligns home financing, investment strategy and lifestyle rewards, positioning the firm as more than a broker but a long‑term wealth partner. TFS Loyalty Website: www.tfsloyalty.com.au TFS Loyalty Instagram: https://www.instagram.com/tfsloyalty?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== TFS Website: www.tomorrowfs.com.au Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    40 min
  2. The Business Funding Blueprint: What Every Owner Must Know

    NOV 14

    The Business Funding Blueprint: What Every Owner Must Know

    Send us a text In this episode of TFS WealthCast, Pramu sits down with our newest Mortgage Broker, Nathan Ruvinski, for a sharp and practical breakdown of the business-lending landscape. Nathan explains the key differences between secured and unsecured loans, how lenders assess risk and cash flow, and the strategies business owners can use to access capital efficiently. The conversation covers working-capital facilities, asset finance, loan structuring, and the importance of aligning funding with long-term business goals. If you’re a business owner, investor, or broker looking to strengthen your understanding of commercial lending, this episode delivers clear insights you can apply immediately. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    17 min
  3. The $250k Dilemma: "Pay Down the Mortgage or Power Up Your Portfolio?"

    OCT 16

    The $250k Dilemma: "Pay Down the Mortgage or Power Up Your Portfolio?"

    Send us a text In this listener-driven episode of TFS WealthCast, Pramu and financial planner Sonali unpack a scenario many homeowners face: a $750k mortgage on an $850k home (an LVR of about 85%) and a sudden $250k windfall.  They start by explaining how loan‑to‑value ratio (LVR) affects your borrowing costs and why dropping below 80 % can remove Lenders Mortgage Insurance and unlock better rates. They also discuss exceptions such as LMI waivers for certain professionals like doctors, accountants and lawyers, who can borrow up to 90% or more without paying LMI.  The discussion explores three strategies for the $250k: • Reduce the mortgage – paying down debt increases equity and stability. • Invest elsewhere – diverting funds into Shares, ETFs, Managed Funds or Property Investments need to beat a typical 6 % mortgage rate to be viable. • Debt recycling – using the $250k to pay down the mortgage, then re-borrowing that amount as a deductible investment loan to buy income‑producing assets. Sonali emphasises the difference between “good” (deductible) debt and “bad” (non‑deductible) debt, the importance of risk tolerance and the potential to leverage equity for property or share investments.  They also touch on advanced options like investing through trusts, buying businesses or using managed funds and why personal financial advice is essential. Whether you’re aiming to retire comfortably, accelerate your home loan repayment or build a robust portfolio, this episode offers some good insights, for the listeners to make informed decisions...  Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    37 min
  4. "Loyalty Reimagined: How TFS & LOLC Are Changing Mortgage Brokering Forever"

    OCT 7

    "Loyalty Reimagined: How TFS & LOLC Are Changing Mortgage Brokering Forever"

    Send us a text In this special edition of TFS WealthCast, Vishi hosts Sonali and Pramu to explore why the TFS Loyalty Program is a true game changer for both the mortgage industry and TFS. They discuss how the program turns your mortgage repayments into memorable experiences and celebrate the natural splendour of Sri Lanka from sun‑kissed beaches to lush tea plantations and a vibrant cultural heritage.  Through TFS’s partnership with LOLC Holdings, members gain exclusive cross‑border investment opportunities and can redeem rewards for luxury resort stays, flights and personalised travel concierge services.  The program encourages clients to reward themselves and their families for the hard work of paying off a home loan by turning loyalty into a passport to paradise. Whether you dream of unwinding on a pristine beach or exploring Sri Lanka’s rich history, this initiative shows how the right financial partnership can help you achieve it.  Tune in as Vishi, Sonali and Pramu explain why this approach sets a new benchmark for customer loyalty in mortgage brokering and visit tfsloyalty.com.au to learn more. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    38 min
  5. Can a SMSF Buy a Classic Car? Discover What’s Really Possible

    SEP 20

    Can a SMSF Buy a Classic Car? Discover What’s Really Possible

    Send us a text In this insightful TFS WealthCast episode, host Pramu Rodrigo sits down with financial planner Sonali Rodrigo to demystify Self‑Managed Super Funds (SMSFs). Together they explore what an SMSF is and who can set one up, highlighting key requirements such as membership limits (up to six people), residency rules and the two‑year temporary absence test. Sonali explains why SMSFs are not for everyone and stresses that trustees are responsible for strict compliance with ATO regulations. Listeners will learn about the investment universe available to SMSFs, from conventional assets like shares, ETFs, bonds and term deposits to more flexible options such as residential and commercial property, collectibles and even cryptocurrency. Sonali outlines the major advantage of leverage borrowing within the fund to amplify returns on property while emphasising the importance of meeting legal and auditing requirements. The conversation also covers restricted assets (classic cars, wine or whisky collections), business premises purchases, and the need for proper insurance and documentation. As the discussion moves toward retirement planning, Sonali details how to convert an SMSF into a pension, the tax benefits involved and strategic considerations when selling assets. She provides a practical checklist of factors to consider before setting up an SMSF: adequate account balance (typically $200k–$250k), cost versus scale, trustee responsibilities and the value of professional advice. Whether you’re an aspiring SMSF trustee or simply curious about alternative super strategies, this episode offers a balanced look at the opportunities and obligations of managing your own super.  Note: All information is general in nature and listeners should seek personal financial advice before making decisions. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    28 min
  6. Bridging the Gap Between Selling & Buying - Decoding Bridging Loans

    SEP 11

    Bridging the Gap Between Selling & Buying - Decoding Bridging Loans

    Send us a text Episode 10 – "Bridging the Gap Between Selling & Buying - Decoding Bridging Loans” In this 10th instalment of TFS WealthCast, Vishi and Pramu demystify bridging loans a topic many homeowners find confusing. They explain how a bridging loan provides short‑term finance to “bridge” the timing gap between selling your existing home and purchasing your next one.  The loan combines a regular mortgage on the new property with a temporary line of credit for the down payment and closing costs until your current house is sold, allowing you to move ahead without waiting for settlement. Pramu notes that bridging loans are typically interest‑only and run for a few months (often 3–6 months), with slightly higher rates but manageable overall cost. The pair discuss the critical role of valuations and why most lenders require that both the existing and new loans stay with the same bank to simplify underwriting.  The conversation also tackles common myths: some buyers try to fund deposits with personal loans or family help, but Pramu warns that such approaches can lead to chaos and risk delaying settlement. They also draw a distinction between bridging loans and deposit bonds, and explain why using a broker early in the process is vital for smooth approvals. For seasoned investors, bridging loans are framed as another tool alongside second mortgages and debt recycling to expand a property portfolio without missing out on opportunities.  The episode finishes with practical tips on structuring a bridge loan, budgeting for the higher temporary interest rate, and understanding when it’s worth paying a premium to avoid missing your dream home. Whether you’re upsizing, downsizing or juggling multiple transactions, this episode arms you with the knowledge you need to decide if a bridging loan is right for you. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    22 min
  7. First Home Buyers: Buy Now or Wait? Navigating the New Home Guarantee

    SEP 4

    First Home Buyers: Buy Now or Wait? Navigating the New Home Guarantee

    Send us a text Episode Title: First Home Buyers: Buy Now or Wait? Navigating the New Home Guarantee In this candid instalment of TFS WealthCast, Vishi grills CEO Pramu Rodrigo on the sweeping changes to Australia’s Home Guarantee Scheme (HGS) and how first‑home buyers can navigate a rapidly shifting market. Together they break down the October 2025 overhaul unlimited places and the abolition of income caps and unpack the new purchase price thresholds that better reflect real housing costs: up to $1.5 m in Sydney, $950 k in Melbourne, $1 m in Brisbane, $900 k in Adelaide, $850 k in Perth, and $700 k in Hobart.  Pramu explains why these higher caps, combined with the existing 5 % deposit requirement (2 % for single parents) and removal of lenders‑mortgage‑insurance costs, make the scheme more accessible than ever. Vishi pushes back on whether the scheme will inflate prices; Pramu argues that waiting for a crash is a losing strategy and urges buyers to budget wisely and act.  He shares his “20/80” rule save at least 20 % of income and keep mortgage payments within 40–45 % of expenses to avoid overstretching. They discuss how to assess affordability using a higher interest‑rate buffer (5.29–5.50 %) despite current rate cuts, and caution that bigger loans may mean losing the state’s first‑home‑owner grant above $750k. The conversation also tackles the importance of on‑the‑ground research (driving through target suburbs, checking recent sales data) and warns against comparing your situation to friends’ bigger homes. Looking forward, Pramu notes that easier access to finance could spur demand and push spring‑season prices higher—echoing concerns raised by market analysts. He emphasises that lenders will still apply strict serviceability checks despite the government guarantee, and encourages buyers to maintain strong savings habits, stable employment and good credit.  They close by outlining the paperwork needed for an HGS application—proof of citizenship or permanent residency, an ATO Notice of Assessment and a signed statutory declaration and urge listeners to get pre‑approved before the market heats up. This episode blends policy analysis, market commentary and real‑life budgeting advice to give first‑home buyers a roadmap for deciding whether to buy now or wait.  For more information on the Home Guarantee Scheme visit: Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    30 min
  8. “Rent vs Buy: From $60k Savings to a Multi Million‑Dollar Portfolio”

    AUG 28

    “Rent vs Buy: From $60k Savings to a Multi Million‑Dollar Portfolio”

    Send us a text Episode description: In this instalment of TFS WealthCast, host Vishi turns the spotlight on Pramu Rodrigo and Sonali Rodrigo to explore one of the biggest dilemmas facing aspiring homeowners: should you rent or should you buy?  With humour and hard-earned insights, the couple unpack the latest expansion of the Home Guarantee Scheme now offering unlimited places, no income caps and the ability to enter the market with as little as a 5 % deposit and avoid lenders mortgage insurance from 1 October 2025 housingaustralia.gov.au. They explain how higher property-price caps (up to $950 k in Victoria and $1.5 m in New South Wales) give first-time buyers more options. Pramu and Sonali break down the long-term financial impacts of renting versus buying, showing how a small increase in monthly repayments can translate to hundreds of thousands of dollars in equity over a decade. They share how they started with $60 k in savings, leveraged government grants (such as Queensland’s $30 k first-home owner grant qro.qld.gov.au) and stamp-duty concessions to buy their first home, and then steadily built a multi-property portfolio before turning forty. They emphasise treating your first home as an investment stepping stone using incentives, staying within market price ranges, and avoiding overcapitalisation to unlock the equity needed for future purchases. Throughout the episode, Sonali’s data-driven, risk‑managed approach complements Pramu’s entrepreneurial deal hunting. Together they illustrate how couples can harmonise different financial mindsets to build wealth while juggling career, family, and household duties. Whether you’re about to step onto the property ladder or weighing up rent versus buy, this candid conversation offers practical advice on finance, strategy and making the most of the Home Guarantee Scheme. Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product. Website https://www.tomorrowfs.com.au/ Facebook https://www.facebook.com/tomorrowfs.com.au?mibextid=wwXIfr&rdid=2XjnQHpmHV1wnR4r&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2F1CeyxmzE79%2F%3Fmibextid%3DwwXIfr# Instagram https://www.instagram.com/tomorrowfs.com.au/?igsh=aWUwaDZxcWM5amF6# YouTube https://www.youtube.com/@tomorrowfs TikTok https://www.tiktok.com/@tomorrowfs?_t=ZS-8z0BOYqsW7J&_r=1

    28 min
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About

The TFS WealthCast brings clarity, depth, and strategy to finance, property, and wealth-building in Australia. This isn’t just another finance podcast it’s a space where serious investors, ambitious professionals, and wealth builders come to sharpen their edge.Each episode is unique, we sit down with industry leaders, top-performing brokers, property strategists, and seasoned investors who’ve built real portfolios and navigated shifting markets. We dive into advanced topics like: •Smarter lending structures to accelerate portfolio growth•How to leverage equity and refinance effectively•Risk management strategies in uncertain markets•Tax-efficient wealth-building and long-term planning•Identifying emerging hotspots and investment trends before the crowdWhether you’re expanding your property portfolio, restructuring your finances for maximum efficiency, or looking for high-level insights to stay ahead of market shifts, the TFS WealthCast delivers real conversations and actionable strategies that cut through the noise.This isn’t about theory it’s about practical frameworks, smart structures, and proven approaches that help you grow, protect, and future-proof your wealth. 

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  • Creator
    Tomorrow Financial Solutions
  • Years Active
    2K
  • Episodes
    15
  • Rating
    Clean
  • Copyright
    © 2025 TFS WealthCast
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    TFS WealthCast