Details about The Finance Show With Joe, a podcast by It's Simple Finance

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How Trump's Tariffs Really Affect Australia

Season 2 · Episode 25

Wednesday, May 21, 2025 • Duration 33:29

Joe and Michael explore how Trump's tariffs are reshaping the Australian economy through currency devaluation, interest rate changes, and property market shifts, with surprising benefits for some and challenges for others.

Overall, these won't affect Australia too negatively, in fact, they might actually improve things for the Australian economy as we look to other markets, particularly China and Europe.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

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Are Government Policies Actually Going to Help You Buy a House?

Season 2 · Episode 24

Wednesday, May 7, 2025 • Duration 36:02

The boys discuss the government schemes that can actually help you get into the market and start building wealth.

Find out:

• Why someone earning $90,000 with HECS debt takes home approximately $5,200 less annually than someone without.
• What you can do if your HECS debt is stopping you from buying a property.
• Info on the federal government's investment of $182 million in NSW infrastructure to enable 25,000 new homes.
• Suburbs like Goulburn will benefit owner-occupiers priced out of Canberra.

If you need help with your home loans, refinancing, or purchasing your first home, visit us at www.itsimple.com.au.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

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The 2025 Australian Housing Election: Labor vs. Coalition Policies

Wednesday, April 23, 2025 • Duration 50:48

Australia's housing crisis has reached a breaking point, forcing all political parties to place housing policy at the forefront of their election platforms. In this episode, we dissect the competing visions for solving Australia's housing affordability crisis, exploring whether any party has realistic solutions to the mounting pressure.

Labor's ambitious promise of 1.2 million new homes by 2030 sounds impressive, but we examine whether this target is achievable given construction industry constraints and regulatory hurdles. We break down their policy framework including the Help to Buy scheme, stronger renter protections, and infrastructure funding designed to increase supply. But will these measures be enough when housing demand continues to outpace construction capacity?

The Coalition's alternative vision focuses on unlocking superannuation for first home buyers, implementing a two-year ban on foreign investors purchasing existing homes, and freezing the National Construction Code for a decade. We evaluate whether these market-oriented solutions address the fundamental challenges or simply shift the problem.

Most revealing is our discussion about the realities faced by everyday Australian landlords. As interest rates climbed, many small investors found themselves unable to cover their mortgage costs through rental income. The narrative of "greedy landlords" emerged only after these rate hikes, highlighting the complex relationship between monetary policy and housing affordability.

For first home buyers, the situation looks increasingly bleak. With the average age of first home purchase now 38 years old in Australia, we consider whether radical interventions are necessary or if incremental policy changes can restore balance to the market. Share your experiences with housing affordability and let us know which policies you believe could make a difference in solving Australia's housing crisis.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

Is There Still Money to be Made in Melbourne?

Season 2 · Episode 22

Tuesday, April 8, 2025 • Duration 33:52

Manny returns to discuss the latest shifts in Australia's property market. (Melbourne might be back in the game).

Join us for our upcoming event "Ready, Set, Buy" at Strathfield Golf Club on Thursday, April 10th, featuring expert insights from Manny, Joseph, and Peter Ishak on property investment fundamentals.

Live in Sydney? Get your free ticket on eventbrite: https://www.eventbrite.com.au/e/ready-set-buy-an-insiders-guide-to-property-investment-tickets-1278531635539?aff=FSWJ

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

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Interest Rate Cuts Don’t Matter If You’re Poor

Season 2 · Episode 21

Thursday, March 13, 2025 • Duration 40:23

The long-awaited 0.25% interest rate cut from the Reserve Bank of Australia has finally arrived, bringing welcome relief to homeowners after rates reached their highest point in 15 years. But beyond the modest monthly savings—about $180 for the average New South Wales mortgage holder—lies a much more significant opportunity that savvy Australians shouldn't overlook.

First-time buyers with median NSW salaries now have an additional $12,000-$14,000 in borrowing capacity, potentially bridging the gap that previously kept them from entering the market. Investors gain even more leverage, with borrowing power increasing by $15,000-$20,000. This expanded capacity coincides perfectly with the government's new residential housing scheme that has relaxed zoning laws across numerous NSW hotspots, creating a perfect storm of opportunity for those previously priced out of the market.

Unlike previous rate cuts, we're unlikely to see an immediate property price surge. The two-year ban on foreign investment in existing properties, combined with depleted savings across Australian households due to prolonged high interest rates and inflation, means the market response will likely be measured. The Northwest corridor of Sydney, with its significant infrastructure investments including the metro line that connects Barangaroo to Bella Vista in just 38 minutes, stands out as a particularly promising investment region.

Rather than putting small sums into Bitcoin or stocks, Joe advocates investing in yourself—developing marketable skills like video editing that could generate exponentially more income than the interest savings alone. This entrepreneurial mindset, combined with understanding Australia's business tax advantages (25% flat company tax versus up to 46% personal income tax), offers a pathway to true financial independence and wealth creation that goes far beyond the impact of a single rate cut.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

The Best Sydney Suburbs to Invest In and Interest Rate Predictions

Wednesday, February 5, 2025 • Duration 26:21

This week Joe and Michael explore the interest rate predictions from ANZ, CBA, and Westpac, while we unravel the political and economic factors shaping these forecasts. Discover how migration trends and government policies focusing on individual welfare create a challenging landscape for first-time homebuyers, as we spotlight the disconnect between policymakers and the realities of the housing market.

With interest rates likely to drop, they boys also take a look at the best Sydney suburbs to invest in and it may or may not shock you to find out that Western Sydney is taking the cake. Find out the top performing suburbs and more on the latest episode of the Finance Show with Joe.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

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How Bad Was Everyone's Christmas Debt?

Wednesday, January 22, 2025 • Duration 32:52

The boys kick off the new year with a recap on the financial activity we saw over Christmas. All we can say is don't make your settlement date during the holiday period!

Moving into the world of personal loans and debt consolidation, we dissect the growing trend of managing multiple debts post-holiday season.

The episode takes a deeper look at the changing travel landscape and the impact of gambling on financial decisions. With major airlines altering services and competition heating up, we examine how these changes affect consumer behavior. Meanwhile, the cultural impact of gambling in Australia and its influence on loan applications are analyzed through a hypothetical scenario. By spotlighting an individual's struggle with gambling and financial stability, we bring to life the intricate connection between personal habits and economic resilience. Join us for an in-depth exploration of these compelling financial themes and equip yourself with the knowledge to navigate the season with confidence.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

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Australia's Biggest Lender: The Bank of Mum & Dad

Wednesday, December 4, 2024 • Duration 25:38

Welcome It's Simple broker, Anthony Fontana, to the Finance Show with Joe!

Tackling today's challenging homeownership landscape, we explore how the "Bank of Mum and Dad" is reshaping the property market. Discover strategic financial solutions like guarantor loans and the First Home Guarantee that are helping families overcome housing affordability issues. With expert advice on navigating lending options from institutions like First Mac and Macquarie, we underscore the importance of diverse financial planning and consultation.

We wrap up with a focus on the benefits of starting early in property investment. Learn how time in the market can lead to significant growth and how regions like Newcastle and Adelaide offer promising opportunities. Anthony shares his advice for maximizing borrowing capacity through investment properties, while parents and young adults gain practical tips for leveraging support and building solid financial habits.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

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Where Australia's Property Debt Really Is & How Debt Can Be Good

Wednesday, November 20, 2024 • Duration 21:31

Damien joins us in this episode, the longest-standing member of It's Simple Finance, who stumbled into the world of brokering after an unexpected encounter at a wedding.

With Damien, we explore Sydney's wealthiest suburbs to uncover the concept of "good debt" and how strategic financial planning with accountants can maximize tax efficiency and bolster property portfolios.

Shifting our lens to the broader economic landscape, we ponder the Reserve Bank of Australia's potential interest rate decisions, particularly given the festive season's approach. Reflecting on the property boom of 2020-2021, we voice concerns about the current inflationary pressures and their impact on consumer spending. Tune in to hear our take on these pressing economic issues and the potential shifts in consumer behaviour as Australians navigate this complex financial terrain.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

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Navigating the Real Estate Market in Victoria and NSW, Interest Rate Cuts, and Key Investment Strategies

Season 2 · Episode 16

Wednesday, November 6, 2024 • Duration 35:13

What happens when a property investor decides to switch sides and become a mortgage broker? David shares his compelling journey on our latest episode of the Finance Show. Discover how a miscalculation by a lender nearly derailed his property purchase plans in Perth and how It's Simple saved the day. David's experience underscores the importance of motivated brokers and the art of matching clients with the right lender, illustrating how diverse bank offerings can meet specific customer needs.

Ever wonder where the real estate market is headed? With construction delays and tax changes, Victoria emerges as a hotspot for owner-occupiers, while Sydney's urban sprawl and developments near the new Badgerys Creek airport present unique opportunities. We examine how local council regulations and upcoming infrastructure projects can serve as key indicators for savvy property investors.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

Read moreCollapse

The Finance Show With Joe - Details, episodes & analysis

Podcast details

Recent rankings

Apple Podcasts

Spotify

Shared links between episodes and podcasts

RSS feed quality and score

Publication history

Latest published episodes

Related Shows Based on Content Similarities

Apple Podcasts

Spotify

Related Shows Based on Content Similarities

The Finance Show With Joe - Details, episodes & analysis

Podcast details

Recent rankings

Apple Podcasts

Spotify

Shared links between episodes and podcasts

Instagram15

LinkedIn16

Facebook9

RSS feed quality and score

Publication history

Latest published episodes

Similar podcasts and content

Related Shows Based on Content Similarities

Apple Podcasts

Spotify

Related Shows Based on Content Similarities

Instagram15

LinkedIn16

Facebook9