Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we walk through the reality of property ownership in today's market. We discuss why mortgage means "life debt" in Latin and whether that's more accurate than ever. We cover getting pre-approvals, understanding what you can actually afford versus what banks will lend you, and strategies like rentvesting that never existed before. We explore government schemes, stamp duty concessions, and the debate around paying mortgage insurance now versus waiting to save a larger deposit. We also break down the practical steps: setting auction limits, getting building inspections, using buyer's advocates, and making sure you have money left over after settlement.

Thinking about taking the plunge into property? This episode gives you the framework to make the decision that's right for you.

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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• Is property ownership the right strategy for you?

• Pre-approvals: borrowing capacity vs actual affordability

• Government schemes and stamp duty concessions

• Paying mortgage insurance now vs saving for 20% deposit

• Rentvesting and alternative property strategies

• Setting auction limits and using buyer's advocates

• Building inspections, contract reviews, and insurance

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify

Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we dive deep into margin lending - a tool that lets you borrow money using your share portfolio as security. We break down how it works, comparing it to traditional property loans. We explore the benefits like magnifying your investment gains and tax deductibility, but we don't shy away from the serious risks. We also talk about margin calls - the scary scenario where lenders can force you to sell investments or add more money when your portfolio drops in value. We cover practical risk management strategies, from keeping conservative loan ratios to maintaining emergency funds and ensuring job security.

Tune in to understand whether margin lending could fit your investment strategy and learn the essential safeguards you need before considering this higher-risk approach to wealth building.

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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• What is margin lending and how it works

• Benefits of using debt to invest

• The risks and downsides of margin lending

• Margin calls - How lenders can force portfolio sales

• Risk mitigation strategies

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify

Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we share personal insights as we plan our own move to the Greek islands. We cover the essential financial considerations when living abroad while maintaining Australian assets. We discuss tax residency rules, currency exchange strategies, superannuation limitations, cross-border investing, and the importance of getting specialist advice. We explore how double taxation can catch people off guard and why your regular accountant might not have the expertise you need for international finances.

Tune in to discover what you need to know before making your overseas move.

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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• Tax residency rules and double taxation risks

• Currency exchange costs and multi-currency account strategies

• Superannuation preservation rules and contribution options

• Cross-border investing and asset structure considerations

• Insurance coverage and consumer protection differences

• Estate planning and inheritance tax implications

• Finding the right professional advice for international finances

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify