Episodes

  • SE1EP21 - The Bedroom Tax EXPLAINED: How Canberra Wants to Raid Your Spare Room
    Sep 29 2025

    💥 The Bedroom Tax – How Canberra Wants to Raid Your Spare Room 💥
    First they taxed your income, then your savings, then your super… now the mobs in Canberra are coming for your spare bedroom. Yep — if you’ve worked hard to own a home, suddenly you’re guilty of having “too much space.”
    In this video, I break down the truth behind the so-called bedroom tax and what it could mean for everyday Aussies:
    🏠 Why economists are targeting “underutilised housing stock.”
    📉 The real financial fallout if a levy ever lands (spoiler: it’s brutal).
    ⚡ Hacks homeowners are already using to legally protect themselves.
    💡 Client stories on rentvesting, smart loan structuring, and debt strategies that actually work.
    This isn’t just theory — I’ll show you how smart investors are flipping the system, turning potential punishments into opportunities, and stacking equity while everyone else panics.
    👉 If you’re a first-home buyer, rentvestor, or investor who wants to stay ahead of the curve, you don’t want to miss this one.

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    16 mins
  • SE1EP20 - How to Track Your Property Portfolio Like a Boss | Excel Walkthrough EXPLAINED for New Investors
    Sep 25 2025

    Think you’re building wealth with your property portfolio? Or are you actually stumbling blind into financial chaos?
    In this video, I roast the brutally overlooked basics of portfolio management that most investors ignore until it’s too late. From cash flow nightmares to hidden tax traps, dodgy loan structures, and critical dates that can cost you thousands — I’ll walk you through how to track your portfolio like a business, not a hobby.
    I’ll even show you step-by-step how to set up an Excel spreadsheet to manage:
    ✔️ Cash flow (so you stop bleeding money)
    ✔️ Tax impacts (before they ambush you)
    ✔️ Loan splits (the difference between deductible vs dead debt)
    ✔️ Critical reminders (rent reviews, inspections, renewals)
    And yeah — I’ll be calling out the gurus who say “set and forget.” Because property doesn’t run itself… into profit anyway.
    👉 Watch now if you want to turn your portfolio from a financial dumpster fire into a wealth-building machine.
    Free tracker here: https://thathomeloandude.com/pages/freebies

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    18 mins
  • SE1EP19 - 4 Legal Tax Hacks the Wealthy Use - No One Teaches You EXPLAINED | The 2025 Tax Playbook for Aussies
    Sep 22 2025

    💸 Why do the rich pay less tax than you — even when you earn less? It’s not luck, it’s structure. While most Aussies are stuck hoping for a small refund, wealthy families use four simple strategies to flip the tax system in their favour.
    In this video, I break down the 4 legal tax hacks the rich don’t want you to know — from the structures they use to park assets, to how they turn “bad debt” into wealth-building debt, to the secret refund streams that flow straight back into their pockets.
    If you’ve ever wondered why your tax bill hurts while others seem to win every year, this will show you exactly where the game is rigged — and how you can start playing smarter.
    👉 Watch until the end to see how real investors are setting themselves up to retire richer — not by working harder, but by using the rules better.

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    22 mins
  • SE1EP18 - How to Win a Sydney Auction in 2025 EXPLAINED | How to Survive Auction Day & Hacks - Hurstville NSW
    Sep 15 2025

    🔑 Hurstville Auction Breakdown – Watch Before You Bid!
    I’m taking you behind the scenes of a real auction in Hurstville, South Sydney — where a house with a $1.5m guide ended up selling for $1.778m.
    In this video, you’ll see:
    ✔️ How to do proper due diligence before bidding (land size, zoning, inspections).
    ✔️ What the floor plan & aerial shots reveal about hidden potential (granny flat, duplex, or long-term land bank).
    ✔️ The live auction theatre — who played it smart, who crashed and burned, and the tactics that could’ve flipped the result.
    ✔️ The real numbers behind the hammer price: deposits, stamp duty, repayments at 80% vs 90% LVR, and rental shortfalls.
    ✔️ Whether this block is actually a good buy, or just a cash-draining trap.
    👉 Auctions are where people either win big or lose everything in front of a crowd. Don’t bid blind. Learn the strategy, the finance, and the psychology before you play this game.

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    23 mins
  • SE1EP17 - Land Tax 2025 Explained: Every State & Territory Thresholds in Australia | he Investor’s 2025 Guide
    Sep 1 2025

    💀 You thought the ATO was scary? Meet his silent cousin: the Land Tax Reaper. No warning. No mercy. Just an annual bill for daring to own dirt.
    In this video, I explain the brutal truth about NSW land tax in 2025 — and why so many Aussies are walking straight into a financial landmine without realising.
    Here’s what we’ll unpack (without the boring jargon):
    ⚡ Why 2025 land tax thresholds could cost you $16k+ every year for doing nothing.
    ⚡ The real difference between stamp duty & transfer duty (and the sneaky 3-month deadline that ruins budgets).
    ⚡ Why trusts, companies & joint names DON’T protect you the way you think.
    ⚡ How dual occupancy homes sit in a legal grey zone that could kill your exemption.
    ⚡ The traps hiding inside First Home Buyer schemes that look like help but are actually red tape.
    By the end, you’ll see why the property game isn’t just tough — it’s rigged against everyday investors.
    👉 If you don’t want to get blindsided by land tax bills, transfer duty traps, or dodgy structuring advice, you need to watch this before buying your next property.
    📞 Want to stop being the one who gets the surprise bill? Book a 15-minute discovery call or a full 60-minute property game plan with me and my team. But be quick — I’m nearly booked out this week.

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    15 mins
  • SE1EP16 - CGT & Land Tax EXPLAINED: How the Wrong Structure Destroys Aussie Property Wealth in 2025
    Aug 28 2025

    Why Buying Property in a Trust Could Destroy You (Hidden $16k Land Tax Trap in NSW)
    Think buying property in a trust protects your wealth? In NSW, it could cost you $16,000 every year — just for holding land. No flips, no fancy developments — literally for doing nothing.
    In this video, I break down:
    ⚠️ The “special trust” land tax rule that wipes out your tax-free threshold.
    ⚠️ How the wrong structure can add $80k+ to your costs in just 5 years.
    ⚠️ Why timing your CGT exit wrong could bankrupt you.
    ⚠️ The brutal truth about companies, SMSFs, and refinancing strategies the gurus don’t tell you.
    ⚠️ And why half of TikTok’s “trust hacks” will leave you in audit hell.
    Politicians won’t warn you. Your accountant might gloss over it. And online property gurus? They’ll happily sell you into a land tax nightmare.
    👉 If you’re a Millennial or Gen Z investor thinking trusts are the “smart move,” you need to see this before you buy your next property.
    Watch now before you get stung by the $16k/year land tax trap.

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    15 mins
  • 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