The Simple Finance Show

Hosted by It's Simple Finance

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Latest episode

Oct 2026

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EN-AU

About the show

Why should finance be boring? Joseph and Michael cut through the jargon by talking property, money, and entrepreneurship with real stories, laughs, and special guests. New episodes released every fortnight! Follow us on our pages; www.itssimple.com.au Instagram: @itssimplefinance Instagram: @thefinanceshowwithjoe Linkedin: www.linkedin.com/company/itssimple

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55 recent

October 20, 202625 min

4 Ways to Free Up Cash Flow on Your Home Loan

Your repayments have gone up four times this year. Your pay probably hasn’t. That’s a cash flow problem, and there are more ways to fix it than most people realise. In this episode, Michael and Brian break down four ways to free up cash flow on your debt: getting a sharper rate on your home loan, debt consolidation, extending your loan term and going interest-only. Every one of them buys you breathing room each month. Only one of them doesn’t cost you more in the long run. They also cover what to do if things get tighter, from building a buffer and stress-testing your budget to speaking to your lender early about hardship options. Plus, the great debate: pay off the highest interest rate first, or the smallest balance? You can also call us at 1300 796 937 or book a FREE consultation to find out more: https://itssimple.com.au/book-consultation/ It's Simple Finance is a team of mortgage brokers in Australia tearing through the red tape and uncertainty around lending to make accessing finance the way it should be – simple. Visit our website at https://itssimple.com.au/ Follow us for more property news, insights and #SimpleTips: ▸Instagram: https://www.instagram.com/itssimplefinance/ ▸Facebook: https://www.facebook.com/itssimplefinance ▸LinkedIn: https://www.linkedin.com/company/itssimple/ #Australianpropertymarket #finance #realestate #homeloan #mortgage #RBA #homeloanuniversity 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.

June 24, 202629 min

This Is Why You Feel Poor in Australia

On paper the Australian economy is doing fine. Not good, not bad, just okay. Despite that, Brian and Michael are feeling the pinch of a stalling economy and wondered if everyone was feeling that way. The boys discuss per-capita recessions and what they mean. Once again, the boys discover that while on paper we are no longer in a per-capita recession, it certainly doesn’t feel that way. So why do we feel poorer in Australia? Because the world is experiencing an economic downturn whose effects are almost impossible to avoid as an individual. 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.

June 3, 2026Episode 4126 min

9-Step Guide to Buying Your First Home

You know what they never taught us in school? How to buy your first home. It’s not just about hidden fees, but the actual process from start to finish. What does that look like? Michael and Brian break it down in a 9-step guide that takes you through the typical process of buying your first home. The first step is speaking to a broker or your trusted financial professional to put your financial situation into context. How much can you borrow? How can we improve your chance of approval? From there the boys talk about actually ensuring the house you want, is the house you want via inspections and evaluations. When do you pay the deposit? Do I need a lawyer? All these questions and more are answered in this episode of the Finance Show With(out) 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.

May 11, 2026Episode 3920 min

Is Australian Property Entering a Buyer's Market?

Is Australia entering a buyer's market? Dwelling values in both Sydney and Melbourne are slowly beginning to dip and sellers are having to adjust their expectations. This does mean that buyer's are in a better spot than they have for years, but supply remains constrained. Typical buyer's markets have supply outstripping demand, but that simply isn't the case in Australia, placing the market in a weird spot that's probably more correction than recession. 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.

April 22, 2026Episode 3829 min

5 Moves to Recession-Proof Your Home Loan

The Australian economy is sending serious warning signs of an incoming recession. To prepare for this, Joe and Michael shared five home loan strategies that can help save you thousands of dollars each month. From stretching your home loan to utilising your offset account to its fullest, there’s something here for every homeowner and investor to help shield their assets. 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.

April 9, 202628 min

The R-Word: Breaking Down Recessions

What is a recession? With the globe continuing its nosedive into chaos, economies around the world are suffering and Australia is no exception. As such, it’s important to understand what a recession is and how it affects you. In this episode, Joe and Michael break down everything you need to know about recessions and provide some tips to help you protect yourself financially during tough times. Despite the panic a possible recession might cause, Joe and Michael explain why staying calm and seeking advice from your financial professional is key because the wrong move at the wrong time can cost you more than you think. 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.

March 26, 202645 min

Your Buyer's Agent Might Be Working Against You. Here's How to Know

The 5% deposit sounds like a win… until you realise a small mistake on suburb choice, timing, or holding costs can leave you owing more than the property is worth. We sit down with Nick Khzouz, a buyer’s agent (and former lawyer and banker) from B Money Property Group, to unpack the real-world risks behind low-deposit buying, refinancing, and trying to leapfrog into your next property. If you’ve been watching the Australian property market and wondering whether the First Home Guarantee is helping or hurting, this chat gets specific fast. We get practical on what to look for before you buy: stock on market trends, supply saturation, land constraints, and why days on market can be one of the simplest demand indicators to track. Nick also breaks down return on capital versus return on investment, why some investors grow faster with the same cash, and how strategies like interest-only lending and negative gearing (with proper accountant advice) fit into the bigger picture of serviceability and risk. Then we go straight into the messy stuff people whisper about: off the plan property deals, hidden incentives, “rebates”, and why conflict of interest is the line that separates an advocate from a salesperson. We share horror stories, talk transparency reforms like a conflict register, and run through how we assess a buyer’s budget, time horizon, goals, and when they want to extract equity. We also touch on areas we’re watching across Sydney, Newcastle, and parts of Victoria, plus why policy changes can push eager first home buyers into repayments they can’t comfortably carry. This episode is for informational purposes only and does not constitute financial, legal, or tax advice. Please consider your personal circumstances and consult a licensed professional before making any financial decisions. 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.

March 11, 202651 min

Most Small Business Owners Are Paying Too Much Tax

A single conversation at 15 changed everything. Davie Mach chose accounting to pull his family out of debt, started a firm at 26, and built it to 40 people by doing one thing most advisers avoid: telling small business owners the whole truth about money, structure, and risk. Davey breaks down the difference between reactive, textbook accounting and proactive, real-time advice powered by cloud tools and AI without losing the human touch. We map the structures that matter in Australia: when a company beats a trust, how a family trust can hold shares for asset protection, why SMSFs are for long-term assets, and where bucket companies and intercompany loans create tax efficiency without triggering Division 7A headaches. If you’ve ever wondered whether the CGT discount justifies holding assets in your own name, you’ll hear the long-game maths that many investors miss. With a wave of senior accountants retiring and government revenue pressure rising, small businesses face a tougher environment than ever. Enforcement is up, complexity is rising, and yet opportunities grow for owners who keep tight books, review quarterly, and structure for resilience. If you run a business, invest in property, or simply want to pay less for better decisions, this episode is for you. Follow and subscribe, share this with a mate who owns a business, and leave a review so more Australians find practical, plain-English finance advice. 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.

November 6, 2025Episode 3341 min

Australia’s Best Investment Suburbs For Every Budget In 2025

We map the best performing investment suburbs across Australia at three price points, from $500k to $1.5m, showing how leverage and tight supply can turn a modest deposit into meaningful equity. We provide three suburbs at each price point and measure their performance based on capital gain, rental yield, and potential future growth in the next 12 months. If you ever need any help with your mortgage or your property inquiries or anything along the lines of that, you can visit us at www.itsimple.com.au. If you are looking to invest in property, we also have a panel of buyers’ agents that we work with, and we can refer you several in the market that specialise in each particular location. 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.

October 15, 2025Episode 3242 min

What They Aren't Telling You About the First Home Guarantee

Prices are climbing, tempers are flaring, and a simple promise—“buy with just a 5% deposit”—isn’t as simple as it sounds. Joe and Michael unpack the new rules around Australia’s First Home Guarantee and why it might not be the slam dunk the federal government believes. We draw a clean line between the federal guarantee and state‑based grants and stamp duty concessions, then walk through what that means in New South Wales, Victoria, and Queensland. The boys don't just complain, Joe provides practical solutions that might improve supply and demand. 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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