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Gen W Podcast

Gen W Podcast

By: I'm Q - that home loan dude
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About this listen

The Gen W Podcast (W for Wealth) is hosted by Australia’s most followed TikTok mortgage broker, Q Huynh, and associate broker Grace. They dive deep into how migrants and first-gen Australians can build generational wealth through property, trauma-informed finance, and holistic lending. Real stories, real estate, and real talk. Gen Z, X, Y or A — we’re here to help you become Gen W.I'm Q - that home loan dude Economics Personal Finance
Episodes
  • SE1EP15 - New Zealand Property Crash Explained: What It Means for Australia’s Housing Market in 2025
    Aug 25 2025

    🚨 What can Australia learn from the New Zealand property crash? House prices in Auckland, Wellington, and across 70% of Kiwi suburbs have fallen hard—some over 30% from peak. Meanwhile, unsold listings have doubled, investors are panicking, and Kiwi buyers are flooding into Australia.
    In this video, we unpack:
    📉 NZ’s suburb-level crash – CoreLogic shows 175 suburbs down more than 2% in just 3 months. Auckland’s Northland suburb has dropped 30.6% since peak.
    ✈️ Why Kiwi investors are fleeing to Australia – Case studies of real buyers ditching Wellington & Auckland to buy in Brisbane, Perth, and Sydney.
    🇦🇺 How Australia dodged NZ’s mistakes – Canberra kept negative gearing, CGT discounts, migration, and demand-side policies alive.
    🛠️ My advice to NZ property owners – How to pivot portfolios, consolidate debt, chase yield, and diversify into stronger markets.
    🔥 The roast – Why pollies, banks, and property “gurus” won’t save you, and how they quietly profit from your losses.
    👉 If you’re a Kiwi investor stuck with dead assets or an Aussie wondering if the same crash is coming—this breakdown gives you the playbook.
    💡 Watch now to learn how to avoid NZ’s mistakes, protect your equity, and ride Australia’s next property wave.

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    14 mins
  • SE1EP14 - Offset vs Redraw Explained: The Smart Investor’s Guide to Saving Thousands
    Aug 21 2025

    Think offset and redraw are “basically the same”? That mistake is keeping thousands of Aussies broke.
    In this video, I break down:
    Why offset accounts slash years off your mortgage (tax-free).
    How redraw can destroy your tax deductions and even get frozen by the bank.
    Real client case studies – from $68k saved to $4,600 lost in one year.
    The elite strategy combo: offset + split loans + debt recycling.
    If you’ve ever made extra repayments into redraw thinking you were clever, you’ll want to watch this. The numbers don’t lie — and the ATO doesn’t care about your “good intentions.”
    👉 Watch now to see why offset is the weapon smart investors use — and why redraw is the trap banks hope you fall into.

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    18 mins
  • SE1EP13 - Property Equity Release Scam EXPLAINED – Don’t Let the Bank Trap You | 95% of Aussies Get This Wrong
    Aug 18 2025

    Using Equity to Buy Property – The Smart Way vs The Stupid Way (Most Aussies Get This Wrong)
    Most Australians think tapping into home equity is “free money.” It’s not — it’s leverage. And leverage can make you wealthy or wipe you out, depending on how you use it.
    In this video, I break down:
    What equity really is (and the difference between total equity vs usable equity).
    The wrong way Aussies burn equity — lifestyle spending, luxury upgrades, and the debt traps that follow.
    The rookie mistake of cross-collateralisation and why it puts your whole portfolio at risk.
    The investor-grade way to use equity — buying income-producing property, maximising tax deductions, and letting tenants and the market grow your wealth.
    The advanced “proactive equity harvesting” strategy that locks in your borrowing power before market downturns, so you can buy when others panic.
    If you own property, this is essential watching. The right equity strategy compounds your portfolio. The wrong one leaves you over-leveraged, exposed, and at the mercy of the banks.
    📺 Watch the full video now — learn how to protect your portfolio, grow your wealth, and play the game the smart way.

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    12 mins
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