Fat Profits Podcast - Property, Finance & More

Corey Goldby
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  • Investing

A straight talking Aussie podcast for investors, finance enthusiasts, and anyone keen to build real wealth (With Laughts) We dish out practical tips, investor stories, lending and tax hacks, expert strategies for growing your property portfolio. Whether you’re a first-timer or a seasoned investor, you’ll get honest Q&A, market updates, and the kind of advice your bank manager won’t tell you. Hosted by the crew at Source Financial, we keep it bold, cheeky, and always results focused because in property, it pays to think bigger. Tune in, get inspired, and start making your money work harder.

  1. 1d ago

    How to Get Your Home Loan Approved & Avoid Costly Mistakes | Fat Profits Podcast Ep. 33

    In Episode 33 of the Fat Profits Podcast, Corey Goldby and Ben Perren break down the risks of the 5% deposit scheme, what it really takes to get a home loan approved, and why borrowing money is becoming increasingly difficult for Australians! 🎙️ The boys also discuss falling property values, shrinking borrowing capacity, the importance of pre-approval, and how one business owner was able to avoid bankruptcy despite facing $1.8 million in debt. Timestamps: 00:18 Intro: What's coming up in Episode 33 02:05 Big Prediction: How long will the 5% deposit scheme last? 05:34 Headline of the Day: First-home buyers and negative equity 07:39 Is the Australian property market really crashing? 09:47 Why first-home buyers are being priced out 12:18 Likes and Dislikes: Getting to know Corey 13:40 The home loan application process explained 16:15 How brokers assess your borrowing capacity 17:40 Bank approval times and application delays 19:50 Best Interest Duty and responsible lending 22:20 How to speed up your home loan approval 25:40 What can delay or jeopardise your application? 29:49 Why home loan pre-approvals matter 31:35 Online lenders vs mortgage brokers 35:10 How interest rates are reducing borrowing capacity 42:15 Scenario of the Week: Debt consolidation and a $1.8M business debt rescue Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Visit our website: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey Follow: Instagram: @financewithcozza TikTok: @financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456. Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    How to Get Your Home Loan Approved & Avoid Costly Mistakes | Fat Profits Podcast Ep. 33

  2. 2d ago

    Interest Rates Could Hit 5.35% & Recession Risk Rises | Fat Profits Headlines Ep. 9

    This week on Fat Profits Headlines, Corey breaks down predictions that Australian interest rates could reach 5.35% as inflation pressures mount and economists warn of a possible recession. Meanwhile, property prices continue falling, mortgage repayments consume record levels of household income, and first home buyers face growing uncertainty. Plus, Sydney and Melbourne rents remain under pressure, while a controversial proposal to increase the GST to 15% sparks debate. Watch for the full rundown! Timestamps: 00:00 Intro 01:08 Inflation rises as the RBA faces pressure to increase interest rates 04:26 Economist warns interest rates could reach 5.35% 06:42 Housing downturn raises concerns over further property price falls 07:38 HSBC warns Australia faces a 50% chance of recession 09:14 Australian property prices record further declines 09:58 Mortgage repayments put Australian households under pressure 12:00 Coalition proposes scrapping the Help to Buy housing scheme 13:04 Sydney and Melbourne rental markets face growing pressure 14:33 Political pressure mounts over government spending and tax reform 16:06 Proposal to increase GST from 10% to 15% sparks debate Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://fatprofits.com.au/ Follow: Instagram: https://www.instagram.com/financewithcozza/ Facebook: https://www.facebook.com/financewithcozza/ TikTok: https://www.tiktok.com/@financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    Interest Rates Could Hit 5.35% & Recession Risk Rises | Fat Profits Headlines Ep. 9

  3. Oct 28

    How to Pay Off Your Mortgage Faster & Save $500K+ | Kat Marsalek | Fat Profits Podcast Ep. 32

    We recently sat down with Kat Marsalek from Finance Differently on the Fat Profits Podcast to talk about paying off your mortgage faster, saving hundreds of thousands in interest, and why getting a lower interest rate isn't always the whole answer! 🎙️ Joining co-hosts Corey Goldby and Ben Perren, Kat shares her journey into finance, the thinking behind her debt-free formula, and how small changes to your mortgage strategy could make a huge difference over time. Timestamps: 01:05 Introducing Kat Marsalek from Finance Differently 02:46 Headline of the Day: Negative gearing, CGT and rental caps 07:00 Kat's journey into finance and entrepreneurship 11:25 Buying her first investment property at 18 13:37 How Finance Differently came about 15:17 Why a lower interest rate isn't enough 16:10 Creating the debt-free formula 17:27 The 46 strategies to pay off your mortgage faster 20:25 Why Australians are stuck with 30-year mortgages 21:29 Good debt versus bad debt 22:54 The financial freedom of owning your home outright 23:49 Saving $550K in interest and an estimated 8-year mortgage payoff 25:40 What happens during a mortgage strategy consultation? 27:52 Big Prediction: Who will win The Block? 29:49 Sponsor of the Week: Australia's best theme parks Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey Follow: Instagram: /financewithcozza TikTok: /financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456. Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    How to Pay Off Your Mortgage Faster & Save $500K+ | Kat Marsalek | Fat Profits Podcast Ep. 32

  4. Oct 27

    NAB Cuts 2,500 Jobs & Australian Property Prices Fall | Fat Profits Headlines Ep. 8

    This week on Fat Profits Headlines, Corey breaks down the RBA’s growing concerns over government spending and inflation as another November rate hike looms, while ANZ forecasts further property price falls across Australia. Meanwhile, NAB announces 2,500 job cuts amid controversy over AI and offshoring, and small businesses face mounting costs, tax uncertainty and workforce shortages. Plus, could retirement villages help ease Australia's housing crisis? Watch for the full rundown! Timestamps: 00:00 Intro 01:00 RBA warns government spending is adding to inflation pressures 03:04 Deloitte warns Australia's economic growth is slowing 04:31 ANZ forecasts further property price falls across Australia 05:23 Developer sales collapse as housing demand weakens 07:52 NAB announces 2,500 job cuts amid economic pressures 10:47 NAB faces backlash over AI, offshoring and Australian jobs 15:11 Budget tax changes create uncertainty for Australian investors 16:53 R&D tax reforms spark backlash over business investment 18:50 Small businesses struggle with rising costs and skills shortages 24:11 Could retirement villages help solve Australia's housing crisis? Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey Follow: Instagram: https://www.instagram.com/financewithcozza Facebook: https://www.facebook.com/financewithcozza TikTok: https://www.tiktok.com/@financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    NAB Cuts 2,500 Jobs & Australian Property Prices Fall | Fat Profits Headlines Ep. 8

  5. Oct 21

    Australia's $2 Trillion Debt Problem: Who Pays the Price? | Round Table | Fat Profits Podcast Ep. 31

    We recently sat down for a special Round Table episode of the Fat Profits Podcast with Jack Fouracre, CEO of Fouracre Financial, Matt Spears from Evoke Capital, and Chris Raymond from Unconditional Finance! 🎙️ Joining co-hosts Corey Goldby and Ben Perren, these legends brought different perspectives, plenty of experience, and some great conversations to the table. Timestamps: 00:48 Introducing Jack Fouracre, Matt Spears and Chris Raymond 04:55 Headline of the Day: Banks changing lending policies 08:47 40-year loans and 95% LVR lending 09:52 When will the property market bounce back? 12:08 Government policy and the next election 14:26 Getting to know the guests 17:32 Government backflips on trust tax changes 21:02 Government spending, taxation and Australia's debt 25:39 Why investors shouldn't rely on the government 28:12 Opportunities to upsize in today's property market 30:48 Choosing the right mortgage broker and strategy 33:11 Where mortgage brokers are letting clients down 36:14 How the right property valuation can save thousands 37:53 Should you shop around mortgage brokers? 39:27 Why business ownership is a property investing superpower 41:34 Interest rate predictions for the next six months 44:02 Sponsors and choosing the next podcast band Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey Follow: Instagram: / financewithcozza TikTok: / financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456. Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    Australia's $2 Trillion Debt Problem: Who Pays the Price? | Round Table | Fat Profits Podcast Ep. 31

  6. Oct 20

    The Invisible Market Crash | Australia’s Unemployment Rises | Fat Profits Headlines Ep. 7

    This week on Fat Profits Headlines, Corey breaks down Australia’s weakening jobs market as unemployment rises to 4.7% and 39,000 jobs disappear, leaving economists divided over another Melbourne Cup Day rate hike. Meanwhile, 30 business groups accuse the government of creating its own budget mess, with rushed tax changes and stamp duty concerns leaving small businesses in the firing line. Watch for the full rundown! Timestamps: 00:00 Intro 00:47 Unemployment rises as economists debate another RBA rate hike 03:15 Michele Bullock’s $1.22 million pay package 03:46 Business groups blame government for budget fallout 04:54 Trust tax changes and NSW’s stamp duty election promise 06:02 The “invisible” market crash beneath the headline gains 07:10 AI stocks tumble as CoreWeave’s debt raises concerns 08:06 Firmus pulls its ASX listing: what the AI wobble means for Australians 09:05 Adrian Portelli opens a members-only discount supermarket 10:29 Why it could be time to review your mortgage rate 10:49 Source Financial and Fouracre Financial merger update Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey Follow: Instagram: https://www.instagram.com/financewithcozza Facebook: https://www.facebook.com/@financewithcozza TikTok: https://www.tiktok.com/@financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    The Invisible Market Crash | Australia’s Unemployment Rises | Fat Profits Headlines Ep. 7

  7. Oct 14

    Are Successful Business Owners Leaving Australia? | George Dib | Fat Profits Podcast Ep. 30

    George Dib is the founder of Copilot Finance and Insurance, helping business owners with asset finance and insurance. George joins Corey and Ben on the Fat Profits Podcast to share his journey, experience and insights from the industry. Timestamps: 00:00 Intro and welcome to George Dib of Copilot 03:44 Leaving a transactional model behind 05:31 ATO pressure 08:33 Why Copilot looks at the full picture before writing the deal 12:28 Is small business stuffed? 21:08 Owners versus the government 26:52 Headline of the Day: the instant asset write off extended 29:12 Are successful business owners leaving Australia? 32:20 Household incomes 34:11 First property at 21, first business at 32 36:46 Why George says don't rush to scale 38:25 Insurance for mortgage broker clients Follow: Instagram: https://www.instagram.com/financewithcozza TikTok: https://www.tiktok.com/@financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456. Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    Are Successful Business Owners Leaving Australia? | George Dib | Fat Profits Podcast Ep. 30

  8. Oct 13

    Credit Card Surcharge Ban | Steepest Housing Downturn in 40 Years | Fat Profits Headlines Ep. 6

    This week on Fat Profits Headlines, Corey breaks down Australia's housing downturn as property values head towards their steepest decline in 40 years. The RBA has delivered its fourth rate rise of the year, pushing the cash rate to 4.6%, while borrowing power has fallen by almost $100,000 for the average dual-income couple. Sydney property values are down more than $112,000 from their February peak, auction clearance rates have dropped below 50%, and banks are starting to bend their own lending rules to keep business moving. Meanwhile, rents are finally showing signs of slowing, but a looming construction supply shortage could change that. Corey also looks at the collapse of Bathla's rescue, the credit card surcharge ban that's sparked a fight over small business costs, and the lenders competing for a shrinking mortgage market. Plus, he finishes with a major personal announcement: Source Financial's seven-figure merger with Fouracre Financial and what it means for the future of the business. Timestamps: 00:00 Intro 00:59 RBA delivers its fourth rate hike as government spending comes under fire 04:37 Mortgage holders under pressure as borrowing power falls by almost $100,000 08:51 Australia's steepest housing downturn in 40 years 12:32 Auction clearance rates fall below 50% 14:01 Sydney rents fall for the first time in almost two years 17:29 Australia's looming housing construction shortage 19:15 Bathla's rescue collapses as construction sites shut down 20:22 Credit card surcharge ban sparks backlash from small businesses 22:38 Banks compete for borrowers as mortgage demand falls 24:43 Property investors find opportunities in a falling market 26:34 Major announcement: Source Financial merges with Fouracre Financial Work with mortgage brokers who invest themselves and have a proven track record of helping Australians build property portfolios. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey Follow: Instagram: https://www.instagram.com/financewithcozza Facebook: https://www.facebook.com/@financewithcozza TikTok: https://www.tiktok.com/@financewithcozza This podcast is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. The information discussed is general information only and does not constitute personal financial, taxation, credit or legal advice. Before making any financial decision, you should consider your own circumstances and seek advice from appropriately qualified professionals. Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit Licence 539456.

    Credit Card Surcharge Ban | Steepest Housing Downturn in 40 Years | Fat Profits Headlines Ep. 6
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About

A straight talking Aussie podcast for investors, finance enthusiasts, and anyone keen to build real wealth (With Laughts) We dish out practical tips, investor stories, lending and tax hacks, expert strategies for growing your property portfolio. Whether you’re a first-timer or a seasoned investor, you’ll get honest Q&A, market updates, and the kind of advice your bank manager won’t tell you. Hosted by the crew at Source Financial, we keep it bold, cheeky, and always results focused because in property, it pays to think bigger. Tune in, get inspired, and start making your money work harder.

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