Money on the Mic

Fundd
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Welcome to Money on the Mic - the finance podcast where we talk through the real conversations Australians are having about their mortgages, finances, and the economy. We give you clear, practical insights from experienced brokers. Listen as we break down what’s happening in the Australian property market, explain key lending concepts, and walk through real scenarios so you can see how it all works in practice. Because when you understand this stuff, you can use it to your advantage. From first home buyers and refinancing strategies to property investing and borrowing power, our goal is to help you feel more confident, informed, and in control of your financial future. We cover everything from: - Home loans in Australia - Mortgage broker insights - First home buyer tips - Property investment strategies - Refinancing and interest rates - Borrowing capacity and lending rules 📣 Want to get support in your home buying journey? Visit https://moneyonthemic.com/ to get in touch.

  1. Aug 11

    Victoria's Biggest Economic Turning Point In A Generation

    Got a question? Drop it in the comments below or reach out to the team via our website https://moneyonthemic.com/contact/ Follow us on Socials: @moneyonthemicpodcast on Instagram and TikTok Welcome back to Money on the Mic. This week Brodie and Darren break down Victoria. State debt sits at approximately $170 billion, roughly 50% higher than New South Wales. The state election is in November. The question we're answering is whether Victoria is a "catching a falling knife" market or a genuine contrarian investment opportunity. THE BREAKDOWN Victoria is carrying roughly $170 billion in state debt, which as a share of state economic output (Gross State Product) is the highest of any Australian state by a wide margin. The debt has accumulated over more than a decade of Labor state government under Dan Andrews and then Jacinta Allan. The state has introduced approximately 33 different state taxes, several of them added in the past few years. The cumulative effect has been to drive investor sentiment out of the state and accelerate internal migration to other states. The Coalition have committed to cutting at least 7,000 public sector jobs (which they estimate will save $22 billion), applying a 10-year hiring freeze on back-office public sector roles, and reversing several of the tax reforms of the past few years. Brodie and Darren then work through the investment case. Melbourne is currently priced at material discounts to Sydney, Brisbane, and Perth. Two-bedroom fringe-Melbourne units around $420,000 are returning $500 to $600 a week, which is a yield profile that doesn't exist in Perth or Brisbane at that entry point. The verdict is a considered "get ready to buy" rather than "buy now." The strongest window is likely the December-to-February listing spike as sellers who missed the spring campaign discount. Regional Victoria also gets a mention as a market that has performed better than metro Melbourne over the same period. In this episode, we chat about: Why Victoria is carrying the highest state debt in Australia at approximately $170 billion.The 33 state taxes and which ones matter most for investors.The Coalition's plan for 7,000 public sector job cuts and a 10-year hiring freeze.The Windfall Gains Tax and why it's the most extreme rezoning tax in the country.Why internal migration is accelerating out of Victoria.The contrarian investment case: is Melbourne a bargain?The RBA prediction: hold for the rest of the year, cuts in 2027. CHAPTERS 00:00 Intro: Victoria is broke 01:30 Why Victoria Is Australia's Most Indebted State 04:00 Something Needs To Change 07:00 The Coalition's Job Cuts And Hiring Freeze 10:30 The 33 State Taxes Killing Investor Sentiment 16:00 Why Victorians Are Leaving The State 19:00 The Case Against Melbourne Right Now 23:00 The Contrarian Case: Is This The Buying Window? 29:00 Regional Victoria Vs Metro Melbourne 38:00 The RBA Prediction: Hold Now, Cuts In 2027 40:00 Wrap This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming.

    Victoria's Biggest Economic Turning Point In A Generation

  2. Aug 4

    The CBD Is No Longer the Safe Property Investment Bet

    Got a question? Drop it in the comments below or reach out to the team via our website https://moneyonthemic.com/contact Follow us on Socials: @moneyonthemicpodcast on Instagram and TikTok Welcome back to Money on the Mic. This week, Brodie sits down with Julia for a first-interview conversation on why the "buy within 5 to 10 kilometres of the CBD" rule most Australian property investors have followed for decades is no longer good advice. THE BREAKDOWN Three structural forces are reshaping the case for Australian investment property. The first is the tax settings. The 2026 federal budget restricted negative gearing to new-build investments, removing the deductibility benefit for established property. Most inner-city investment stock is established. That change alone materially shifts the after-tax return on CBD investment property. The second is that working from home is structural. According to ABS data, approximately 36% of employed Australians usually work from home in some capacity. That number is still trending upward. Businesses are downsizing their CBD floor space. The old logic of "buy where the workers are" assumed workers had to be in the CBD. That assumption no longer holds. The shift is not a COVID hangover, it's a durable change in how Australian work is structured. The third is yield. Cotality's most recent data shows regional dwelling values up 9.7% versus capital city dwelling values up 8.2% over the same calendar year. Regional growth is now outpacing capital growth in the current cycle. The yield math is even more striking. A $1.2 million property in a regional hub returning $750 a week produces a materially better rental yield than a $2 million CBD property returning $1,000 a week. When interest rates sit at 5 to 6%, the yield gap matters. When negative gearing is no longer available to offset shortfalls, the yield gap becomes the whole return equation. Brodie also unpacks what to look for in a regional investment, what to avoid, and why mining-town yields are misleading despite looking attractive on paper. CHAPTERS 00:00 Intro 00:40 Welcome To The First Interview Episode 01:50 How The 2026 Tax Changes Reshaped Investment 03:35 Why Working From Home Is Structural 18:50 The Cotality Data: Regional Growth 9.7% vs Capitals 8.2% 12:00 The Yield Math That Changes The Case 20:20 What To Look For In A Regional Investment 25:00 Wrap SOURCES Cotality Article: https://discover.cotality.com/hubfs/Article-Reports/COTALITY%20HVI%20Jan%202026%20FINAL.pdf ABS WFH Statistic: https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/working-arrangements/latest-release This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming.

    The CBD Is No Longer the Safe Property Investment Bet

  3. Jul 27

    The home loan assumptions that cost you more than money.

    Got a question? Drop it in the comments below or reach out to the team via our website https://moneyonthemic.com/contact/ Follow us on Socials: @moneyonthemicpodcast on Instagram and Tik Tok Mortgage assumptions, redraw vs offset, fixed rate break fees, the loyalty tax - Brodie walks through five things Australian borrowers assume that end up costing them more. The BreakdownBranch access: most bank branches do not have home lending specialists in them. The appeal of a branch is really an appeal to a personal relationship and a familiar face. A mortgage broker delivers exactly that, with access to every lender, not just one. Redraw versus offset: both save the same amount of interest, dollar for dollar. The difference is ownership. Redraw funds have technically been applied to the loan - the lender controls access. During COVID, at least one bank froze redraws under its own terms and conditions. Offset funds are the borrower's, held in a transaction account the lender cannot freeze. Fixing the rate: certainty at a cost. Additional repayments are capped (typically $10,000 to $15,000 per year). Breaking a fixed rate can trigger fees up to $50,000, depending on rate movements and time remaining. No offset on fixed rates. Split loan structures offer a middle ground. The loyalty tax: banks do not proactively call long-term customers to offer better rates. They respond to the threat of departure. Brokers do rate reviews every six to twelve months and will take the file to market if the lender does not reprice competitively. Pre-approvals: an online pre-approval from a bank portal is not a fully assessed pre-approval. No payslips, no credit officer, no verification - just self-reported inputs. A fully assessed pre-approval is a different and significantly stronger product. Closing line: "Safe choice and the smart choice aren't always necessarily the same thing. That's the gap I spend most of my working life sitting in." Chapters00:00 Five Mortgage Assumptions That Cost Australian Borrowers More: What Brodie Hears From Clients01:45 Bank Branch Access: Why Having a Friendly Face is Important.04:10 Redraw vs Offset: Why Extra Repayments Are Not as Simple as They Sound07:28 Fixed Rate Break Fees: What Certainty Actually Costs10:42 The Loyalty Tax: Why Banks Do Not Reward Long-Term Customers14:46 Pre-Approvals: Generic vs Fully Assessed, and Why the Difference Matters This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming.

    The home loan assumptions that cost you more than money.

  4. Jul 21

    Is Australia's Housing Market Really About to Crash?

    Got a question? Drop it in the comments below or reach out to the team via our website https://moneyonthemic.com/#contactfundd Follow us on Socials: @moneyonthemicpodcast on Instagram and TikTok Welcome back to Money on the Mic. In this episode, Darren and Brodie respond directly to Christopher Joye's "Australia facing mother of all house price corrections" article, published off Joye's interview with Mark Bouris. THE BREAKDOWN Joye's core argument is that sticky inflation will force the Reserve Bank of Australia to raise the cash rate to 4.75% then 5% across the next two meetings, and that the resulting pressure on property will produce the largest correction Australia has experienced. Darren and Brodie agree with parts of the argument, disagree with the inflation call, and provide the missing data point on what "the largest correction" actually looks like in historical terms. In this episode, we chat about: - What the "mother of all house price corrections" article actually claims. - Why the largest correction on record is only 11%. - The 2.9% / 8 months / 32% recovery framework. - Why sticky inflation is not as sticky as the article suggests. - What the 21.4% housing weighting in CPI actually covers. - Why the RBA is unlikely to raise rates three more times. - Why investors are not getting paid enough at current rates and yields. - What happens when investors leave the property market. - Why immigration policy is still the dominant force in Australian housing. - Why first home buyers should consider positioning through the current uncertainty. CHAPTERS 00:00 Intro: The Mother Of All Corrections? 01:00 Who Christopher Joye Is And What He Predicts 03:30 The 8.2% Reality Check On 40-Year Data 06:00 The Average Correction Is Only 2.9% Over 8 Months 09:00 The 32% Recovery Pattern 12:00 Why Sticky Inflation Isn't As Sticky 16:00 What The 21.4% Housing Weighting Actually Covers 19:00 Why The RBA Won't Raise Rates Three More Times 22:00 Investors Aren't Getting Paid Enough 26:00 What Happens When Investors Leave The Market 30:00 The Immigration Force That Still Runs The Market 33:00 Why First Home Buyers Should Consider Buying Now 36:00 Why A Correction Is Healthy Within Reason 38:00 Wrap SOURCES: Straight Talk Podcast Episode: https://youtu.be/-pAlf3HjJGA?si=9I1gHt6CeTdQKfS7 News.com Article: https://www.news.com.au/finance/real-estate/australia-facing-mother-of-all-house-price-corrections-top-economist-warns/news-story/2422d905e8a9c923467d4268b86e3545  Domain Article: https://www.domain.com.au/news/australia-housing-downturn-2026-price-fall-cycles-buyers-risk-missing-bottom-1530176/  This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming.

    Is Australia's Housing Market Really About to Crash?

  5. Jul 16 ·  Bonus

    Why Couples Accidentally Double Their Mortgage Risk.

    Got a question? Drop it in the comments below or reach out to the team via our website https://moneyonthemic.com/contact/ Follow us on Socials: @moneyonthemicpodcast on Instagram and Tik Tok THIS EPISODE Joint home loan, joint and several liability, adding your spouse to a mortgage in Australia - Brodie explains what the maths actually looks like. THE BREAKDOWN When both names go on a home loan in Australia, the default arrangement is joint and several liability. This means each borrower is liable for the full amount of the debt, not their share. On a $1 million loan, each party is liable for $1 million - not $500,000 each. Brodie explains why this becomes significant when one person already owns a property and later adds a partner to both the title and the loan. Before: one owner holds 100% of the asset and 100% of the liability. After: each holds 50% of the asset and 100% of the liability. The family unit has not halved its risk. It has doubled its total liability. The reasons people do this are understandable: wanting to share the asset formally, protecting a financial contribution, making both names reflect the shared household. But the financial outcome is not what most couples expect. Brodie also covers the alternative: a solicitor can structure a private loan arrangement between partners that protects a financial contribution without requiring both names on the bank loan. Whether to go on the title and whether to go on the loan are two separate decisions, and they don't have to be made together. CHAPTERS 00:00 The Title and the Loan: Why They Are Two Different Decisions 00:55 Joint and Several Liability: What Both Names on the Loan Actually Means 01:40 Why This Happens This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming. CREDITS Glitch Element 14.wav by Glitchedtones -- https://freesound.org/s/223316/ -- License: Attribution 4.0 Quick Mouse Clicks by Cpfcfan10 -- https://freesound.org/s/635074/ -- License: Attribution 4.0 UI_POP_UP.mp3 by Marevnik -- https://freesound.org/s/708605/ -- License: Attribution 4.0 Hole Punching a Paper.wav by ryanharding95 -- https://freesound.org/s/272449/ -- License: Creative Commons 0

    Why Couples Accidentally Double Their Mortgage Risk.

  6. Jul 12

    Near zero interest rates are closer than you think.

    Got a question? Reach out to the team via our website https://moneyonthemic.com/#contactfundd Follow us on Socials: @moneyonthemicpodcast on Instagram and TikTok In this episode, Darren and Brodie unpack a recent Australian Financial Review piece arguing that near-zero interest rates may be closer than most Australian commentary acknowledges. The argument sits across four structural forces: inflation was temporary rather than structural, the real economy is slowing, AI is deflationary at scale, and governments carrying record debt cannot sustain high rates. Read the article here: https://www.afr.com/chanticleer/near-zero-interest-rates-are-closer-than-you-think-20260629-p60aub THE BREAKDOWN The inflation surge of 2022 to 2024 was caused by an unusual combination of one-off events. COVID supply chain disruption, unprecedented government stimulus, labour shortages, the war in Ukraine, and the more recent conflict in Iran all pushed prices higher through supply-side and cost-push channels. None of those forces are structural. As each fades, the underlying inflation dynamic reverts closer to trend. The real Australian economy is already slowing. GDP growth over the most recent quarter registered below 1%, well under headline inflation. On an inflation-adjusted basis, the economy is contracting. Aging population dynamics compound the effect. AI is structurally deflationary. Rather than replacing entire jobs, AI is replacing tasks within jobs. That reduces wage growth, lowers business costs, and increases competition on price across most service sectors. The current inflationary drag from AI comes from energy demand, but that constraint is likely to resolve as energy generation catches up. Governments across the developed world are drowning in debt. The Australian federal debt trajectory is forecast to continue expanding through the next five years. High interest rates make the debt service cost unsustainable. Governments that cannot pay their debt-service bill will not tolerate rates at current levels for long. The episode lands on a specific forecast: the Australian cash rate is likely to sit somewhere between 2 and 3% by 2030, down from the current 4.35%. Mortgage rates would follow, implying a return to the 4 to 5% range for owner-occupier home loans. 00:00 Intro: Near Zero Interest Rates 01:00 Why The AFR Article Is Worth Taking Seriously 03:00 Why Inflation Was Temporary Rather Than Structural 08:00 The Real Australian Economy Is Slowing 14:00 Why AI Is Structurally Deflationary 19:00 Why Governments Can't Sustain High Rates 23:00 The 2030 Cash Rate Prediction 27:00 What This Means For Australian Property 30:00 Wrap This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming. CREDITS Quick Mouse Clicks by Cpfcfan10 https://freesound.org/s/635074/ Attribution 4.0 Hole Punching a Paper.wav by ryanharding95 https://freesound.org/s/272449/ Creative Commons 0 The story you're about to hear... (music) by xkeril https://freesound.org/s/639585/ Attribution 4.0 Rapid Laptop Keyboard Typing Click by brktkrgll https://freesound.org/s/856166/ Creative Commons 0

    Near zero interest rates are closer than you think.

  7. Jul 1

    THE BETTER BUDGET: How to ACTUALLY Fix the Aussie Housing Crisis

    In this episode, Darren and Brodie walk through five alternative property and lending reforms the federal government could have implemented instead of the 2026 budget package. Cap negative gearing rather than abolishing it. Tax empty homes and land banking. Reward councils for hitting housing supply targets. Remove stamp duty for downsizers. Increase the tax-free threshold for young families. THE BREAKDOWN In this episode, we chat about: - Why a dollar-amount cap on negative gearing would have been more equitable than abolishing it. - The ATO data showing the average negative gearing claim is only $8,702 a year. - Why Australia's 1.04 million empty dwellings should attract a vacancy levy. - The "develop or sell" rule for urban land banking. - Why councils should be paid bonuses for hitting housing approval targets. - How removing stamp duty for downsizers unlocks family housing for the next generation. - The Nordic-style tax-free threshold framework for young families. - Why Australian economic policy is structured around sugar hits rather than long-term planning. CHAPTERS 00:00 Intro: Five Alternatives To The 2026 Budget 01:00 Cap Negative Gearing Instead Of Abolishing It 06:00 Why The Average Negative Gearing Claim Is Only $8,702 09:00 Tax Empty Homes And Land Banking 12:00 Why Margaret River Has Empty Houses And No Rentals 15:00 The Develop-Or-Sell Rule For Urban Land 20:00 Supercharge Housing Supply Through Council Incentives 24:00 Remove Stamp Duty For Downsizers 27:00 Increase Tax-Free Thresholds For Young Families 32:00 The Australian Economy Runs On Sugar Hits 35:00 Wrap CONNECT WITH A FINANCE BROKER AT FUNDD Got a question? Drop it in the comments below or reach out to the team via our website https://moneyonthemic.com/#contactfundd Follow us on Socials: @moneyonthemicpodcast on Instagram and TikTok This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming. CREDITS Images Albanese and Hanson: Wikipedia SLIDE WHISTLE - 1 by SamuelGremaud -- https://freesound.org/s/517633/ -- License: Creative Commons 0 Boat Horn by PearceWilsonKing -- https://freesound.org/s/346108/ -- License: Creative Commons 0 jackhammer vehicles and gennies.wav by thfc140491 -- https://freesound.org/s/90013/ -- License: Attribution 4.0 Tropical Cruise by code_box -- https://freesound.org/s/573973/ -- License: Creative Commons 0 Dialing 'freesound' (373376863).wav by CGEffex -- https://freesound.org/s/95112/ -- License: Attribution 4.0 dial_tone2 by Anonio82 -- https://freesound.org/s/800659/ -- License: Creative Commons 0 UI_POP_UP.mp3 by Marevnik -- https://freesound.org/s/708605/ -- License: Attribution 4.0 Party Whistle being Blown by Janosch-JR -- https://freesound.org/s/477174/ -- License: Creative Commons 0 Antique Clock Ticking then Strikes Once by iainmccurdy -- https://freesound.org/s/646411/ -- License: Attribution 4.0 Quick Mouse Clicks by Cpfcfan10 -- https://freesound.org/s/635074/ -- License: Attribution 4.0

    THE BETTER BUDGET: How to ACTUALLY Fix the Aussie Housing Crisis

  8. Jun 25 ·  Bonus

    The Greens Just Killed SMSF Property Lending

    The Greens have secured a commitment to ban Limited Recourse Borrowing Arrangements for residential property inside self-managed super funds, with a 45-day transition period. No industry consultation took place. LRBAs allowed SMSF trustees to borrow against residential property with limited liability - the fund's exposure was capped to the purchased asset only. Around 17.5% (from the information we have) of Australia's 653,000 SMSFs currently hold mortgage debt inside the fund. The structure had become increasingly attractive post-budget, as changes to capital gains tax treatment and negative gearing made personal-name investing comparatively less appealing. Inside an SMSF, CGT runs at 15% in accumulation, dropping to 10% after 12 months. That compares to up to 47% personally. Borrowing capacity is assessed entirely separately from personal debt. For investors whose individual borrowing was capped, the SMSF was the next logical step. The ban applies to residential property only. Commercial property inside SMSFs is untouched. If you have the cash to purchase residential property outright, nothing in the announcement prevents that. The most pressing concern is off-the-plan buyers. Contracts may be protected by the transition period, but if lenders pull the product before settlement, protection on paper doesn't guarantee funding in practice. Brodie and Darren were blunt about who this hits hardest: not the ultra-wealthy, who can buy without borrowing. It's the investors with one or two properties, mortgaged across their portfolio, who were using the SMSF as a legitimate next step. Nobody consulted them. Nobody warned them. Chapters00:00 Breaking: The Greens Just Banned SMSF Residential Property Lending01:10 What LRBAs Are and Why They Mattered for Property Investors05:15 Commercial is Safe - Residential Borrowing Inside Super is Gone09:05 The Off-the-Plan Risk: What Happens If Lenders Pull the Product14:35 Who Really Loses From This - and Why Nobody Asked ThemConnectCONNECT WITH A FINANCE BROKER AT FUNDD Got a question? Drop it in the comments below or reach out to the team via our website https://fundd.com.au/contact/ https://moneyonthemic.com/#contactfundd Follow us on Socials: @moneyonthemicpodcast on Instagram and Tik Tok This podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. All information is correct at the time of filming. Antique Clock Ticking then Strikes Once by iainmccurdy https://freesound.org/s/646411/ License: Attribution 4.0 Light Metal Gate Close by qubodup https://freesound.org/s/219587/ -- License: Attribution 4.0 Glitch Element 14.wav by Glitchedtones https://freesound.org/s/223316/ -- License: Attribution 4.0 Article from SMSF Adviser - https://www.smsfadviser.com/govt-does-deal-with-greens-to-close-off-lrbas/

    The Greens Just Killed SMSF Property Lending
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About

Welcome to Money on the Mic - the finance podcast where we talk through the real conversations Australians are having about their mortgages, finances, and the economy. We give you clear, practical insights from experienced brokers. Listen as we break down what’s happening in the Australian property market, explain key lending concepts, and walk through real scenarios so you can see how it all works in practice. Because when you understand this stuff, you can use it to your advantage. From first home buyers and refinancing strategies to property investing and borrowing power, our goal is to help you feel more confident, informed, and in control of your financial future. We cover everything from: - Home loans in Australia - Mortgage broker insights - First home buyer tips - Property investment strategies - Refinancing and interest rates - Borrowing capacity and lending rules 📣 Want to get support in your home buying journey? Visit https://moneyonthemic.com/ to get in touch.

Information

  • Creator
    Fundd
  • Years Active
    2026
  • Episodes
    21
  • Rating
    Explicit
  • Copyright
    © 2026 Fundd
  • Show Website
    Money on the Mic