In Episode 16 of Fat Profits, Corey and Ben explore whether the Australian Dream has changed and what home ownership looks like for Australians today.

With rising property prices, changing lifestyles and evolving investment strategies, is owning the family home still the ultimate goal, or are more Australians choosing a different path?

The conversation also covers proposed changes to negative gearing, whether those changes would actually encourage more new home builds, the growing popularity of rentvesting, and a headline-making story about a single mum purchasing property where the full story may not have been what it first appeared.

We cover:

• Has the Australian Dream changed?

• Will changes to negative gearing encourage more new home builds?

• The story behind a widely shared property headline

• What is rentvesting, and when could it be the right strategy?

• An investor success story

• Sponsor of the Week

00:00 Intro

01:06 Bold Prediction – Will Negative Gearing Changes Encourage New Builds?

04:23 Headlines – The Single Mum Property Story

12:05 Deep Dive – The Australian Dream

25:38 What If? – Rentvesting

29:54 Investor Story

33:21 Sponsor of the Week

Whether you're a first home buyer, property investor or simply interested in Australia's changing property market, this episode offers practical insights into the opportunities, challenges and strategies shaping today's housing landscape.

Work with Mortgage Brokers who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

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.

In this episode of Fat Profits, Corey and Ben take a deep dive into one of the most talked-about investment strategies in Australia – using a Self-Managed Super Fund (SMSF) to invest in property.

Whether you're considering purchasing property through your super or simply want to understand how SMSFs work, this episode breaks down the opportunities, risks, and common misconceptions surrounding this investment strategy.

We cover:

• What a Self-Managed Super Fund (SMSF) is • How property investing through an SMSF works • SMSF Success stories • Common mistakes people make when setting up an SMSF

• Who an SMSF property strategy may (and may not) be suitable for

• The importance of building the right professional team around you

00:00 Intro

00:54 Bold Predictions - 2026 FIFA World Cup

02:49 Headlines - Corey and Ben run for Prime Minister (Housing Reforms)

20:25 Deep Dive - Self Managed Super Fund (SMSF) 25:53 Investor Stories - Successful SMSF Stories 31:50 Sponsor Break

33:54 Punishment

If you've ever wondered whether property investing through your super could form part of your long-term wealth strategy, this episode provides a practical overview of the key concepts and considerations before taking the next step.

Work with Mortgage Brokers who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

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.

In this episode of Fat Profits, Corey and Ben take a deep dive into what aggressive property investing looks like in 2026.

With lending policies changing, borrowing power tightening, and many investors feeling uncertain, we unpack where the opportunities still exist and how smart investors can position themselves for growth.

We cover:

• The biggest changes happening in the lending market

• Why cashflow matters more than ever

• The mistakes investors are making right now

• First-home buyer opportunities and risks

• How to think about debt, growth, and risk in 2026

• The strategies we're seeing work in today's market

00:00 Intro

01:17 Bold Prediction

04:22 Coalition vs Labor

06:30 Headlines

08:05 Current Housing Policy

11:27 One Nation Housing Policy

12:00 Housing Decline

14:24 Property Investor Share of market

21:28 Deep Dive

23:21 Risk Appetite in 2026

27:00 Sacrifices for a property portfolio

33:52 What if?

39:40 Investor Story

If you're serious about building wealth through property, this episode will help you understand where the market is heading and how to stay ahead of the curve.

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

If you're self-employed and the bank keeps saying no — the problem isn't your income. It's how you're presenting it. And chances are, your business structure is either helping you or destroying you, and you don't even know which one it is 😬

This is one of the most common issues Corey and Ben see — self-employed people earning great money but getting knocked back by lenders because their tax is structured wrong, their income is reported wrong, or their business entity is working against them instead of for them 💰

In this episode, Corey Goldby and Ben Perren go deep on the self-employed lending game — what the banks actually look at, why your accountant's "great tax strategy" might be killing your borrowing power, and how to fix your structure so it becomes your superpower, not your anchor 🧠

Here's what we cover:

💼 Why most self-employed people get their income and tax completely wrong for lending 🏦 What banks actually look at when assessing self-employed borrowers

📊 Business structures explained — sole trader vs company vs trust and how each affects your borrowing

💰 How the right structure can unlock lending power you didn't know you had

🧾 Tax planning that keeps the ATO happy AND the banks happy (yes, you can do both)

📈 Property market predictions for the next 10 years — why Corey thinks prices will more than double

🏠 How to use your business income to build a property portfolio the smart way

⚖️ Capital Gains Tax and how it affects self-employed investors differently

🔮 The 10-year outlook — where property, rates, and policy are heading

💡 The conversation you need to have with your accountant BEFORE tax time

Ben drops a truth bomb — "Business structure can be a superpower in lending" — and most self-employed people have never even thought about it that way. Your structure isn't just a tax thing. It's a lending thing, a wealth thing, and a retirement thing. Get it right and everything else gets easier 👊

Whether you're a tradie, a freelancer, running an agency, or building a business from your garage — if you want to buy property, this episode is non-negotiable. The strategies in here could be the difference between getting knocked back and getting approved.

💬 Self-employed crew — what's been your biggest frustration dealing with banks? We know you've got stories. Drop them below 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts! 👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.

Chapters

00:00 Introduction to Self-Employment and Market Predictions

04:32 Understanding Self-Employment and Tax Implications

18:45 Navigating Property Investment as a Self-Employed Individual

This is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This Information is general information only and not personal advice. Please seek credit advice and tax advice or financial advice where appropriate.

Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit License 539456.

Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd (ACN 657 912 868). Australian Credit License 539456.

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

Most real estate agents tell you what you want to hear. Liam Cromarty tells you what you NEED to hear. And after 10+ years in Newcastle’s property market, what he has to say might change the way you buy, sell, and invest forever 🏠🔥 In this episode, Corey & Ben sits down with gun Newcastle real estate agent Liam Cromarty — the kind of agent the industry doesn’t produce enough of. No fluff, no sales pitch, just straight-up insights on what’s really happening in the market, where the value is hiding, and the mistakes he sees buyers and investors making every single day

📈 Whether you’re a first home buyer wondering how to get in, an investor hunting your next deal, or someone who’s been burned by bad advice before — Liam’s the guy you wish you’d spoken to first.

Here’s what we get into:

🔍 What Liam looks for in a property that most buyers completely miss

📈 Newcastle’s property market — why it’s doubled every decade and where it’s heading next 🏡 First home buyer strategies — how to get on the ladder smarter, not harder 🔨 Adding value through renovations — what’s worth it and what’s a money pit

🤝 How to present offers that actually get accepted — straight from the agent’s mouth

💰 When to use a buyers agent and when you’re wasting your money

🏗️ Future developments in Newcastle and what they mean for property values

🧠 How to choose the RIGHT agent — and the red flags that tell you to run

⏰ Market timing — when to sell, when to hold, and when to go again

📊 Capital gains tax and how it affects your strategy

📖 Liam’s personal investment journey — 10+ years of lessons in one conversation Liam drops a line in this episode that every buyer needs to tattoo on their arm — “Choose an agent who tells you what you NEED to hear, not what you WANT to hear.” That one sentence is the difference between building wealth and getting sold a dream

👊 Newcastle has been quietly making people rich while everyone’s fighting over Sydney and Melbourne. If you’ve been sleeping on this market, Liam’s about to wake you up.

💬 What’s the best (or worst) thing a real estate agent has ever told you? Drop it below 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts!

👉 Don’t forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we’d love to hear from you.

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #Newcastle #Renovation #AddingValue #FirstHomeBuyer #PropertyMarket #RealEstateTips #SweatEquity #RegionalProperty

This video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

This is not a normal episode. This is an emergency 🚨

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey This is not a normal episode. This is an emergency 🚨 The 2026 Australian Federal Budget just dropped and it's a game-changer for every single property investor in the country. Negative gearing changes, capital gains tax adjustments, family trust restructuring, lender policy shifts — it's all happening at once and most investors have no idea what to do next.

This is the episode you send to every investor you know. Seriously. Forward it now.

Here's what we break down:

🚨 The negative gearing changes — what's been scrapped, what's grandfathered, and who gets hit

💰 Capital gains tax adjustments — how this affects your selling strategy

🏦 Lender policy changes — borrowing capacity just shifted overnight

📉 Interest rates and the economic outlook — where the RBA goes from here

🏛️ Government policy vs investor reality — who these changes actually help

🔍 How assessment criteria are changing for sophisticated and high-net-worth investors

📊 LVR adjustments and how banks are managing risk right now 🇳🇿 Lessons from New Zealand — they did this already and here's what happened

🏡 Opportunities for owner-occupiers — why this could actually be YOUR window

💼 SMSF and commercial property — the doors that just opened while everyone's panicking 📐 What's happening to pre-approvals and investor borrowing power right now

🔮 Property price predictions for the next 12-24 months

Here's what most people won't tell you — yes, the landscape just changed. But every major policy shift in history has created a wave of opportunity for the people who move fast and think clearly. The investors who panicked during the GFC, during COVID, during every rate hike cycle — they lost. The ones who understood what was happening and repositioned? They built generational wealth 👊

Corey and Benny Boy cut through the hysteria, address the real risks, and lay out a clear plan for what to do whether you're holding existing properties, looking to buy, or wondering if you should pull the pin entirely. Spoiler — don't pull the pin.

This isn't the time to freeze. This is the time to get informed and get moving 🔥

💬 How are you feeling after the budget? Confident or concerned? Drop your honest reaction below 👇

🎧 New episodes every Wednesday at 6am — but emergency episodes drop whenever the market demands it.

👉 SUBSCRIBE and turn on notifications so you never miss a breaking update.

Chapters

00:00 Introduction to the Emergency Podcast

02:04 Current Economic Landscape

05:54 Government Policy Changes and Predictions

10:09 Opportunities in the Market

#AustralianBudget2026 #NegativeGearing #PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #CGT #SMSF #InterestRates #FederalBudget #PropertyMarket #EmergencyPodcast #FatProfitsPodcast #BudgetReaction

Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd ACN 657 912 868 ("Source Financial") Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

OR contact us on hello@sourcefinancial.com.au

This one's going to sting. But you need to hear it 🔥

You say you want to buy a house. You say you're "saving." But then you're spending $7 on coffee every morning, ordering UberEats three nights a week, and subscribing to six streaming services you don't even watch. Sound familiar? That's not saving. That's pretending to save while your deposit sits at the same number it was six months ago 😬

In this episode, Corey and Ben lay it all out — the real cost of your daily habits, why fuel alone is eating your deposit, and the uncomfortable truth about what it actually takes to save for a home in today's market. No sugarcoating, no "you're doing great sweetie" — just the reality check most people need but nobody wants to give them 💰

Here's what we get into:

⛽ Fuel price predictions — will it ever drop below $2 again? (Spoiler: no.)

💸 The discretionary spending that's silently killing your deposit

☕ How small daily costs add up to tens of thousands per year

💰 Strategies for actually saving — side hustles, cutting costs, and being honest with yourself 👫 Why you need to have the money conversation with your partner NOW

📊 How your expenses directly impact your borrowing capacity

🧠 Financial discipline vs financial excuses — which side are you on?

🏠 James and Hermione's real home buying journey — the wins and the wake-up calls

📉 Interest rates and what they mean for your buying timeline

Corey and Ben don't hold back on this one. They talk about parental support, the reality of saving without a head start, and why accountability is the missing piece for most people who "can't afford" a house. The truth is — most people CAN afford it. They just can't afford their lifestyle AND a house at the same time 👊

Whether you're saving for your first deposit, wondering why you're not getting ahead, or you know someone who needs this wake-up call — send them this episode. Seriously.

💬 What's the one expense you KNOW you should cut but won't? Be honest in the comments 👇

Chapters

00:00 Introduction and Predictions on Fuel Prices

03:07 Navigating Home Buying: Parental Support and Saving Strategies

05:53 The Reality of Saving for Property

08:55 Understanding Borrowing Capacity and Financial Discipline

12:02 Discretionary Spending: The Hidden Costs of Lifestyle Choices

14:59 The Importance of Accountability in Financial Decisions

17:57 Scenario Analysis: James and Hermione's Home Buying Journey

20:48 The Impact of Interest Rates on Home Buying

24:10 Final Thoughts and Call to Action

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #SavingForAHome #FinancialDiscipline #BorrowingCapacity #FuelPrices #FirstHomeBuyer #PersonalFinance #moneyhabits

This video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456 Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456

Work with MORTGAGE BROKERS who invest themselves & have a track record building portfolios for other investors. Book your Initial Discovery Session here: https://sites.ludicrous.cloud.sourcefinancial.com.au/investors-survey

Your property is growing in value right now. The question is — who's benefiting from it? Because if you're just sitting in your home making repayments and doing nothing with the equity building up inside it... someone else is winning from the growth you're sleeping on 😬

Most Australians own one property and stop there. They think they're "in the market" — but the truth is, they're barely scratching the surface of what their property could be doing for them. Meanwhile, the investors who understand equity release, valuations, and structure are using that same growth to buy their second, third, and fourth properties 💰

In this episode, Corey and Ben break it all down — where property prices are headed, why equity is the most misunderstood asset in Australia, and how the right investment structure can completely change your borrowing power and your future 🏠

Here's what we get into:

🏘️ Property market predictions — why prices are likely to keep climbing 💰 The equity sitting in your home and how to actually put it to work 📊 Why valuations matter more than you think and how they affect your next move 🏦 Investment structures — how the wrong setup is keeping you stuck 🔑 The journey from one property to a real portfolio — step by step 📖 Real investor stories — people who bought at the right time and what they did differently 🧠 Why "don't wait" isn't just a slogan — it's backed by decades of data ⚡ How to engage with the right professionals to fast-track your strategy

Corey says it best — "Don't wait, don't wait, don't wait." Property has historically rewarded the people who take action, not the ones who sit around waiting for the perfect conditions. The perfect conditions don't exist. But the right strategy does 👊

Whether you're an owner-occupier who's never thought about your equity, someone stuck on one investment property, or just getting started and wondering when to jump in — this episode lays out exactly what to do next.

Oh, and there might be something about bribing people with sausages. You'll have to listen for that one 😂

💬 Real talk — how many properties do you own? And what's stopping you from getting the next one? Drop it in the comments 👇

🎧 New episodes every Wednesday at 6am on YouTube, Spotify OR anywhere you listen to podcasts! 👉 Don't forget to SUBSCRIBE, hit the notification bell, and leave us a comment — we'd love to hear from you.

Chapters 00:00 Introduction to Property Finance 02:52 Market Predictions and Property Prices 05:56 Understanding Equity and Valuations 09:10 Investment Structures and Strategies 12:02 The Journey to Second Property Investment 14:57 Investor Stories: Buying at the Right Time 18:01 Navigating the Property Market 20:54 Conclusion and Future Insights

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #EquityRelease #PropertyValuations #InvestmentStructure #PropertyPortfolio #FinancialFreedom #PropertyGrowth

Corey Goldby is an Authorised Credit Representative (CRN 502276) of Source Finance Pty Ltd ACN 657 912 868 ("Source Financial") Australian Credit Licence 539456