TFS WealthCast
The TFS WealthCast brings clarity, depth, and strategy to finance, property, and wealth-building in Australia. This isn’t just another finance podcast it’s a space where serious investors, ambitious professionals, and wealth builders come to sharpen their edge.
Each episode is unique, we sit down with industry leaders, top-performing brokers, property strategists, and seasoned investors who’ve built real portfolios and navigated shifting markets. We dive into advanced topics like:
•Smarter lending structures to accelerate portfolio growth
•How to leverage equity and refinance effectively
•Risk management strategies in uncertain markets
•Tax-efficient wealth-building and long-term planning
•Identifying emerging hotspots and investment trends before the crowd
Whether you’re expanding your property portfolio, restructuring your finances for maximum efficiency, or looking for high-level insights to stay ahead of market shifts, the TFS WealthCast delivers real conversations and actionable strategies that cut through the noise.
This isn’t about theory it’s about practical frameworks, smart structures, and proven approaches that help you grow, protect, and future-proof your wealth.
TFS WealthCast
The $250k Dilemma: "Pay Down the Mortgage or Power Up Your Portfolio?"
In this listener-driven episode of TFS WealthCast, Pramu and financial planner Sonali unpack a scenario many homeowners face: a $750k mortgage on an $850k home (an LVR of about 85%) and a sudden $250k windfall.
They start by explaining how loan‑to‑value ratio (LVR) affects your borrowing costs and why dropping below 80 % can remove Lenders Mortgage Insurance and unlock better rates. They also discuss exceptions such as LMI waivers for certain professionals like doctors, accountants and lawyers, who can borrow up to 90% or more without paying LMI.
The discussion explores three strategies for the $250k:
• Reduce the mortgage – paying down debt increases equity and stability.
• Invest elsewhere – diverting funds into Shares, ETFs, Managed Funds or Property Investments need to beat a typical 6 % mortgage rate to be viable.
• Debt recycling – using the $250k to pay down the mortgage, then re-borrowing that amount as a deductible investment loan to buy income‑producing assets.
Sonali emphasises the difference between “good” (deductible) debt and “bad” (non‑deductible) debt, the importance of risk tolerance and the potential to leverage equity for property or share investments.
They also touch on advanced options like investing through trusts, buying businesses or using managed funds and why personal financial advice is essential. Whether you’re aiming to retire comfortably, accelerate your home loan repayment or build a robust portfolio, this episode offers some good insights, for the listeners to make informed decisions...
Any information discussed or provided in this podcast is general advice and has been provided without taking account of your objectives, financial situation or needs, you should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.
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