The Lat Chat

Latitude Accountants

Hey small business heroes, we’re John Saade & Jacob Fahmy from Latitude Accountants and we are the hosts of The Lat Chat, your go-to podcast for insightful discussions on the world of small business. Join us as we dive deep into the intricacies, challenges, and triumphs of entrepreneurship, offering practical advice and invaluable insights for aspiring and seasoned business owners alike. Each episode, we bring to the table a wealth of experience and expertise along with special guests ranging from successful entrepreneurs to industry leaders. Together, we explore a wide range of topics

  1. 1d ago

    Sydney and Melbourne Property Has Frozen Up. What Happened?

    Australia’s property market is under increasing pressure. In this episode of The CEO Breakdown, John Saade looks at rising mortgage arrears, falling property prices, negative equity, slowing listings and the growing pressure facing Australian households. Some outer suburban areas are now recording mortgage arrears well above the national average, while buyers who entered the market with small deposits are facing the possibility of seeing their equity disappear as prices fall. John also looks at the growing recession risk, what another potential interest rate rise could mean, why Australia’s serviceability buffer matters, and the impact falling property transactions are already having on mortgage brokers, real estate agents, builders and other businesses connected to the property market. Need an accountant? GET A FREE CONSULTATION FOR ALL ABN HOLDERS https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw OUR SERVICES https://latitudeaccountants.com.au/accounting-services/ Info@latitudeaccountants.com.au TikTok https://www.tiktok.com/@latitudeaccountants Instagram https://www.instagram.com/latitudeaccountants/ YouTube https://www.youtube.com/@LatitudeAccountants LinkedIn https://www.linkedin.com/company/latitude-accountants/ Facebook https://www.facebook.com/latitudeaccountants/ Website https://latitudeaccountants.com.au/ This content is general information only and does not constitute financial, tax, accounting, legal, property or business advice. Speak with a qualified adviser about your own circumstances. #AustralianProperty #MortgageStress #HousePrices #InterestRates #RBA #AustralianEconomy #Recession #LatitudeAccountants Chapters 00:00 Property, Rates and Business Pressure 03:24 Mortgage Stress Hotspots 05:14 The Refinance Trap 08:44 Sydney and Melbourne Property Freeze 13:48 First Home Buyers Underwater 18:12 Banks, Investors and the 3% Buffer 21:49 What Will the RBA Do Next? 25:27 Australia’s Recession Risk 29:03 The Credit Card Surcharge Mess 36:01 Property Industry Pain 38:51 Is It Time to Leave Australia?

  2. 2d ago

    What Will Australia Look Like in 40 Years?

    Australia’s latest intergenerational report looks decades into the future, but what will life actually look like for everyday Australians?In this episode, John Saade and Catarina Santini go through the major forces expected to shape Australia over the next 40 years and give their reaction from the perspective of people working closely with Australian businesses, families and investors.They discuss AI and data centre investment, geopolitical fragmentation, the energy transition, Australia’s ageing population, declining fertility, housing affordability, manufacturing, productivity, workforce participation and the growing divide between generations. Need an accountant?GET A FREE CONSULTATION FOR ALL ABN HOLDERShttps://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwOUR SERVICEShttps://latitudeaccountants.com.au/accounting-services/Info@latitudeaccountants.com.auTikTokhttps://www.tiktok.com/@latitudeaccountantsInstagramhttps://www.instagram.com/latitudeaccountants/YouTubehttps://www.youtube.com/@LatitudeAccountantsLinkedInhttps://www.linkedin.com/company/latitude-accountants/Facebookhttps://www.facebook.com/latitudeaccountants/Websitehttps://latitudeaccountants.com.au/Disclaimer:This content is general information only and does not constitute financial, tax, accounting, legal, property or business advice. Speak with a qualified adviser about your own circumstances.Chapters00:00 Australia’s Next 40 Years01:32 The AI Revolution04:17 Geopolitics and Global Trade06:12 Australia’s Energy Future08:29 Ageing, Families and Fertility11:06 Australia’s Industrial Decline12:40 Housing and Generational Inequality17:30 Working Longer Into Retirement19:03 AI and Productivity19:51 Australia’s Debt Problem#Australia #AustralianEconomy #Housing #AI #CostOfLiving #Property #IntergenerationalReport #LatitudeAccountants

  3. 3d ago

    5 ATO Red Flags That Put You on Their Radar

    There are certain things that can put you on the ATO’s radar, and some of them have nothing to do with deliberately doing the wrong thing. In this video, Jacob Fahmy breaks down five major red flags that can attract ATO attention, including lifestyle assets that do not appear to match your reported income, information from banks and other third parties that does not line up with your tax return, poor lodgement history, unusually large refunds and tip offs from members of the public. The ATO can receive information from employers, banks, investment providers, rental agents, insurance companies and other sources, which means they may already have a picture of your financial position before your tax return is lodged. Jacob also explains why keeping good records matters, what can happen when your reported information does not make sense, and why ignoring outstanding tax returns can make the problem worse. The key takeaway is simple: if the ATO ever asks questions, you want to be able to explain where the numbers came from and back them up with proper documentation. Need an accountant? GET A FREE CONSULTATION FOR ALL ABN HOLDERS https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw OUR SERVICES https://latitudeaccountants.com.au/accounting-services/ Info@latitudeaccountants.com.au https://latitudeaccountants.com.au/ This content is general information only and does not constitute financial, tax, accounting, legal, property or business advice. Speak with a qualified adviser about your own circumstances. #ATO #TaxAudit #AustralianTax #TaxTips #Accountant #LatitudeAccountants

  4. 4d ago

    Why Everyone Is Suddenly Running Marathons

    Former NRL player Keegan Hipgrave is attempting something ridiculous, running all 7 World Marathon Majors in a single year.In this episode of The Account Rant, Jacob Fahmy sits down with Keegan to talk about how life changed after professional rugby league, why he became obsessed with running, and what keeps pushing him towards harder challenges.Keegan shares how he went from swearing he would never run again after footy to taking on ultra marathons, Ironmans and the World Marathon Majors.They also get into:• Running 7 World Majors in one year • Boston and London just days apart • Training while becoming a new dad • Building a business after professional sport • Why consistency matters more than perfect sessions • The confidence that comes from doing hard things • Life after the NRL • Running, community and mental health • Keegan’s work with Movember • Losing his friend Regan and how that shaped his path • His goal of becoming a clinical psychologist • Why your marathon time really does not matter as much as people thinkNEED AN ACCOUNTANT?GET A FREE CONSULTATION FOR ALL ABN HOLDERS https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwOUR SERVICES https://latitudeaccountants.com.au/accounting-services/Info@latitudeaccountants.com.auhttps://latitudeaccountants.com.au/Keegan is also using the challenge to raise money and awareness for Movember and men’s mental health.🎙️ CONNECT WITH KEEGAN HIPGRAVEInstagram https://www.instagram.com/keeganhipgrave/LinkedIn https://www.linkedin.com/in/keegan-hipgrave-9a36b8230/Keegan and Company on Instagram https://www.instagram.com/keeganandcompanypod/Keegan and Company on YouTube https://www.youtube.com/@keeganandcompany━━━━━━━━━━━━━━━━━━DISCLAIMERThis content is general information only and does not constitute financial, tax, accounting, legal, property or business advice. Speak with a qualified adviser about your own circumstances.#KeeganHipgrave #NRL #Marathon #WorldMarathonMajors #MentalHealth #Movember #TheAccountRant

  5. Oct 2

    House Prices Are Falling Fast! 20% Or More?

    Welcome back to CEO Breakdown. Australia’s housing downturn is accelerating. National dwelling values fell another 1.1% in September, marking six consecutive months of declines, while 97% of capital city suburbs recorded falls over the September quarter. Sydney is now 8.6% below its February peak, with weakness spreading into Brisbane, Adelaide and Perth. Cotality And the pressure just increased again. The RBA has lifted the cash rate another 25 basis points to 4.60%, citing elevated inflation, higher global energy prices and ongoing domestic capacity pressures. Reserve Bank of Australia Need an accountant? GET A FREE CONSULTATION FOR ALL ABN HOLDERS https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw In this episode, John Saade breaks down why the housing correction appears to be gaining momentum and whether forecasts of a much larger peak to trough decline are becoming increasingly plausible. Chapters 00:00 Australia’s Property Downturn Accelerates 08:03 Is Mortgage Pain Worse Than 1990? 12:15 Sydney Suburbs Losing Up To $1 Million 15:27 Chris Minns Takes Aim At Government Spending 19:56 Australia’s Mortgage Stress Hotspots 24:40 Westpac Doubles Its Housing Forecast 27:44 ATO Credit Card Changes Hit Small Business 32:29 Government Debt vs Private Debt 35:30 Does Borrowing To Buy A Boat Save Tax? OUR SERVICES https://latitudeaccountants.com.au/accounting-services/ Info@latitudeaccountants.com.au TikTok https://www.tiktok.com/@latitudeaccountants Instagram https://www.instagram.com/latitudeaccountants/ YouTube https://www.youtube.com/@LatitudeAccountants LinkedIn https://www.linkedin.com/company/latitude-accountants/ Facebook https://www.facebook.com/latitudeaccountants/ Website https://latitudeaccountants.com.au/ This content is general information and commentary only and does not constitute financial, tax, property, investment or legal advice. Speak with a qualified adviser about your own circumstances.

  6. Sep 30

    Australia’s Final Budget: $971 Billion In Debt. Who Pays?

    Welcome back to The Account Rant. In this episode, John Saade sits down with Catarina Santini to unpack Australia’s latest budget outcome, government debt, taxes and where the economy could be heading. The discussion starts with the final 2025–26 budget numbers and Australia’s government debt sitting close to $1 trillion. John and Catarina ask whether a better than expected budget result should actually be celebrated when households are still under pressure, interest rates are rising and Australians are paying more tax. They also discuss the sharp fall in tobacco excise revenue and whether pushing taxes too high can simply drive consumers toward illegal markets. The federal budget documents have previously noted significant downward revisions to tobacco excise receipts linked to weaker collections and illicit tobacco. Budget Archive This episode covers: Australia’s government debt The final budget outcome Where extra tax revenue came from Government spending Whether Australians are overtaxed Tax cuts for lower income earners Household income tax Tobacco excise The illegal cigarette market Government accountability Interest rates The RBA cash rate Mortgage pressure Property prices First home buyers Government property stimulus Intergenerational wealth Whether younger Australians are being left with the bill Australia’s economic outlook through 2030 John and Catarina also debate whether the government should prioritise balancing the budget or leave more money in the pockets of working Australians. And with the RBA lifting the cash rate to 4.60%, they discuss whether high rates, government spending and persistent inflation could keep pressure on households and property for years to come. Reserve Bank of Australia The episode ends with a bigger question: What kind of economy are we leaving the next generation? Need an accountant? GET A FREE CONSULTATION FOR ALL ABN HOLDERS https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw OUR SERVICES https://latitudeaccountants.com.au/accounting-services/ Info@latitudeaccountants.com.au TikTok https://www.tiktok.com/@latitudeaccountants Instagram https://www.instagram.com/latitudeaccountants/ YouTube https://www.youtube.com/@LatitudeAccountants LinkedIn https://www.linkedin.com/company/latitude-accountants/ Facebook https://www.facebook.com/latitudeaccountants/ Website https://latitudeaccountants.com.au/ This content is general information and commentary only and does not constitute financial, tax, investment or political advice. Speak with a qualified adviser about your own circumstances.

  7. Sep 29

    The RBA Just Hiked Again. How Much More Can Mortgage Holders Take?

    Welcome back to The Account Rant. In this episode, John Saade sits down with Catarina Santini to break down the latest RBA rate hike and what it could mean for mortgage holders, property prices and the broader economy. The discussion starts with the cash rate moving to 4.6% and the growing pressure on Australian households. John and Catarina talk through what higher repayments actually mean in dollar terms, why some borrowers may look to extend their loan terms just to get some cashflow relief, and whether more homeowners could be forced to sell if rates stay higher for longer. Pasted text They also debate whether the current system is fair. Inflation affects everyone, but John argues that mortgage holders are carrying a disproportionate amount of the pain when the RBA raises rates. That leads into a bigger discussion around government spending, whether fiscal policy is working against the RBA, and whether taxpayer money is being spent productively enough. Need an accountant? GET A FREE CONSULTATION FOR ALL ABN HOLDERS https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw OUR SERVICES https://latitudeaccountants.com.au/accounting-services/ Info@latitudeaccountants.com.au TikTok https://www.tiktok.com/@latitudeaccountants Instagram https://www.instagram.com/latitudeaccountants/ YouTube https://www.youtube.com/@LatitudeAccountants LinkedIn https://www.linkedin.com/company/latitude-accountants/ Facebook https://www.facebook.com/latitudeaccountants/ Website https://latitudeaccountants.com.au/ This episode covers: RBA interest rate rises The cash rate at 4.6% Mortgage repayment pressure Extending home loan terms Cashflow relief for homeowners Why more properties could hit the market Falling property prices Whether rate hikes are fair on mortgage holders Inflation and the RBA mandate Government spending Government accountability Productive vs unproductive spending NDIS and public spending Infrastructure investment Why Australia’s productivity matters Housing market weakness Whether the RBA should have held rates Why John would still vote to raise rates Why Catarina would have held rates steady John and Catarina also discuss one of the biggest tensions in Australian economic policy: The RBA is trying to slow inflation by tightening financial conditions, while government spending can add demand back into the economy. So who should be doing more? The RBA? Or the government? Watch the full episode of The Account Rant now. This content is general information and commentary only and does not constitute financial, tax, property, investment or business advice. Speak with a qualified adviser about your own circumstances.

  8. Sep 28

    Rentvesting vs Buying: Which Is Better Right Now?

    Welcome back to The Account Rant. In this episode, John Saade sits down with Leigh Morris from SFP Financial to talk about rentvesting, property investing and what has changed for Australian investors. Leigh has rentvested for years. He rents where he wants to live while owning investment properties elsewhere, giving his family flexibility while allowing him to invest, develop property and build equity. But after recent changes to the investment landscape, Leigh says he is now sitting on his hands and reconsidering what comes next. John and Leigh discuss whether rentvesting still makes sense, whether buying your own home is now the better option, and why many property investors are questioning the traditional Australian property strategy. They also get into property sentiment, falling prices, first home buyers, superannuation, overseas property, negative gearing, capital gains tax, and the controversial 18.6 year property cycle. This episode covers: Rentvesting vs buying your own home Why Leigh rentvests Lifestyle flexibility Investment property cashflow Capital growth Negative gearing Capital gains tax The main residence exemption The six year CGT rule Land tax Why Leigh is reconsidering his strategy Property growth expectations First home buyers sitting on the sidelines Whether property still stacks up as an investment Investing in overseas property Using super to buy a home Why John keeps his super invested in shares Financial literacy and retirement Property market sentiment Falling Australian property prices The risk facing highly leveraged buyers Buying off the plan in a falling market The 18.6 year property cycle Whether a bigger property correction could still be coming John and Leigh also discuss why falling prices do not automatically mean first home buyers will rush into the market. For many buyers, falling prices can actually create more fear, particularly when they are highly leveraged and worried about buying before the market bottoms. And finally, they put the tinfoil hats on and debate the infamous 18.6 year property cycle and whether 2027 or 2028 could bring another major turning point. Connect with Leigh Morris and SFP Financial SFP Financial Website https://www.sfpfinancial.com.au/ Leigh Morris LinkedIn https://au.linkedin.com/in/leighjmorris Leigh Morris Instagram https://www.instagram.com/leighmorris.mortgagebroker/ Leigh is currently listed as Senior Mortgage Broker and Director at SFP Financial. LinkedIn Need an accountant? GET A FREE CONSULTATION FOR ALL ABN HOLDERS https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw OUR SERVICES https://latitudeaccountants.com.au/accounting-services/ Info@latitudeaccountants.com.au TikTok https://www.tiktok.com/@latitudeaccountants Instagram https://www.instagram.com/latitudeaccountants/ YouTube https://www.youtube.com/@LatitudeAccountants LinkedIn https://www.linkedin.com/company/latitude-accountants/ Facebook https://www.facebook.com/latitudeaccountants/ Website https://latitudeaccountants.com.au/ This content is general information only and does not constitute financial, tax, property, investment or business advice. Speak with a qualified adviser about your own circumstances.

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About

Hey small business heroes, we’re John Saade & Jacob Fahmy from Latitude Accountants and we are the hosts of The Lat Chat, your go-to podcast for insightful discussions on the world of small business. Join us as we dive deep into the intricacies, challenges, and triumphs of entrepreneurship, offering practical advice and invaluable insights for aspiring and seasoned business owners alike. Each episode, we bring to the table a wealth of experience and expertise along with special guests ranging from successful entrepreneurs to industry leaders. Together, we explore a wide range of topics

Information

  • Creator
    Latitude Accountants
  • Years Active
    2025 - 2026
  • Episodes
    132
  • Rating
    Explicit
  • Copyright
    © Latitude Accountants
  • Show Website
    The Lat Chat

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