The Mortgage Chat

Hosted by Tony Xia

Business Investing

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Latest episode

Jun 2026

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EN-US

About the show

Hey guys, my name is Tony Xia the host of The Mortgage Chat. In this podcast series, we tune in for expert advice, strategies, and tips to navigate property ownership with confidence. Thanks for watching our podcast!

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52 recent

June 7, 202612 min

Why Borrowers Need to Understand the Trickle Effect

Send us Fan Mail📉 Interest rates move.📈 Inflation changes.💰 Consumer spending shifts.🏡 Property markets react.But none of this happens overnight.In this episode of The Mortgage Chat, Tony explains the Trickle Effect — the chain reaction that occurs when economic changes gradually flow through households, businesses, lending, and property markets.We cover:🔄 How economic changes spread through the system 📊 Why property markets often lag behind major events 💰 The connection between inflation and borrowing costs 🏘 How buyer confidence affects market activity 📈 What investors should be watching right nowUnderstanding the trickle effect helps explain why today's economic decisions can impact tomorrow's property market.If you're trying to make smarter property or finance decisions, this episode will help you see the bigger picture.🎧 LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERELinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511Instagram: https://www.instagram.com/tonyxia_themortgageagency/YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency📞 0423 718 612📩 Tony@themortgageagency.com.au00:00 – Why Today's Decisions Affect Tomorrow's Market00:35 – What Is the Trickle Effect?01:40 – The First Domino: Economic Change02:55 – How Inflation Starts the Chain Reaction04:15 – Interest Rates Enter the Picture05:30 – Borrowing Power Begins to Shift06:45 – Consumer Confidence Changes08:00 – Property Markets Start Responding09:25 – Why Some Effects Take Months to Appear10:40 – What Investors Should Watch Next12:00 – Final Takeaways

May 24, 202612 min

SMSF Mistakes Australians Should Avoid

Send us Fan Mail🏘 Self-Managed Super Funds (SMSFs) are becoming more popular especially for Australians looking to invest in property.But an SMSF isn’t the right strategy for everyone.In this episode of The Mortgage Chat, Tony explains when setting up an SMSF may NOT make sense, the risks involved, and what investors should understand before making the move.We cover:📊 What an SMSF actually is ⚠️ Common misconceptions about SMSFs 💰 Costs and responsibilities investors overlook 🏘 When property inside super may not suit your goals 📈 Situations where other structures may work betterSMSFs can be powerful when structured correctly but they also come with rules, obligations, and long-term considerations many people underestimate.If you’re considering property investing through super, this episode helps you think through the strategy carefully before committing.🎧 LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERE LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️ https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au00:00 – Intro: SMSFs Are Growing Fast00:40 – What an SMSF Actually Is01:35 – Why Investors Use SMSFs02:30 – Common Misconceptions03:40 – The Costs People Forget About05:00 – Responsibilities & Compliance Risks06:10 – When an SMSF May NOT Be Suitable07:35 – Property Investing Through Super Explained08:50 – Alternative Strategies Investors Consider10:00 – Long-Term Planning Considerations11:15 – Final Takeaways

May 10, 20269 min

Why Fuel Prices Affect Property & Interest Rates

Send us Fan Mail⛽ Ever wondered why rising oil prices can eventually affect your mortgage repayments?In this episode of The Mortgage Chat, Tony explains the connection between oil prices, inflation, and interest rates and why global events can flow directly into the Australian property market.We cover:📊 How oil prices affect the economy 💰 Why inflation rises when costs increase 📈 How the RBA responds to inflation 🏘 What this means for borrowers and property owners ⚠️ Why interest rates don’t move randomlyUnderstanding these economic connections helps borrowers make more informed decisions especially in uncertain markets.If you’ve ever asked “Why are rates rising again?” this episode breaks it down in simple terms.🎧 LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERE LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️ https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au00:00 – Intro: Why Oil Prices Matter00:42 – How Oil Impacts Everyday Costs01:35 – What Inflation Actually Means02:40 – Why Central Banks Watch Inflation03:30 – How Interest Rates Respond04:45 – The Flow-On Effect to Property Markets06:00 – Borrowing Power & Mortgage Pressure07:10 – Global Events and Economic Reactions08:20 – Why Markets Become Uncertain09:35 – Key Lessons for Borrowers & Investors10:40 – Final Thoughts

April 26, 202614 min

How Australians Pay Off Home Loans With Property

Send us Fan Mail🏡 What if just one investment property could help you pay off your home loan faster?In this episode of The Mortgage Chat, Tony explains how a single well-structured investment can support your long-term plan to reduce or even eliminate your home loan.We cover:📊 How one investment property can support mortgage reduction 💰 The role of rental income and growth 📈 Why structure matters from the start ⚠️ Risks to watch when planning this strategy 💡 What makes an investment property work effectivelyMany homeowners assume they need multiple properties to make progress but sometimes one well-planned investment can make a meaningful difference.If you’re thinking about investing to strengthen your financial future, this episode explains how strategy matters more than quantity.🎧 LISTEN TO THE PODCAST Spotify: SpotifyThe Mortgage ChatYouTube: YoutubeThe Mortgage Agency📍 FIND US HERE LinkedIn: Linkedinlinkedin.com/in/tony-xia-12a7b596 Facebook: Facebookfacebook.com/The-Mortgage-Agency-103274301374511 Instagram: Instagraminstagram.com/tonyxia_themortgageagency YouTube: Youtubeyoutube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️ThemortgageagencyContact | Call The Expert Mortgage Brokers | The Mortgage AgencyTony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au00:00 – Intro: Can One Investment Really Help?00:32 – The Core Strategy Explained01:20 – Why Property Is Often Used as a Tool02:10 – How Rental Income Supports the Loan03:35 – The Role of Capital Growth04:50 – Structuring the Investment Correctly06:10 – Example Scenario Walkthrough07:45 – Risks to Consider09:05 – Common Mistakes Investors Make10:25 – Long-Term Payoff Planning11:40 – Final Takeaways

April 12, 202610 min

Why Smart Investors Avoid Cross Collateralisation

Send us Fan Mail🏘 Did you know some loan structures can quietly trap you with one lender and limit your ability to refinance?In this episode of The Mortgage Chat, Tony breaks down cross collateralisation, why it’s still being used, and how it can restrict your flexibility as a property investor.We cover:📊 What cross collateralisation actually means ⚠️ Why some lenders still structure loans this way 💰 How it limits your refinancing options 📈 How property valuations affect your equity 💡 Why separating securities gives you more controlIf you own multiple properties or plan to understanding how loans are structured can make a massive difference to your long-term strategy.This episode explains why proper loan structuring matters just as much as choosing the right property.🎧 LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERE LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️ https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au00:00 – Intro: The Loan Structuring Problem00:18 – What Cross Collateralisation Means00:50 – Why Some Brokers Still Do This01:12 – Why Cross Collateralisation Is Risky02:00 – Real Example: Bank A vs Bank B Valuations03:10 – How Equity Can Be Locked In04:20 – Why Refinancing Becomes Harder05:40 – Visual Walkthrough Example07:10 – Separating Securities Explained08:45 – Long-Term Risks for Investors10:05 – Smarter Loan Structuring Strategy11:30 – Final Takeaways

March 29, 202615 min

How CGT Changes Could Impact Property Investors

Send us Fan Mail💰 Capital Gains Tax (CGT) changes are being talked about again and investors are paying attention.In this episode of The Mortgage Chat, Tony breaks down the proposed CGT changes, what they could mean for property investors, and how to think about your strategy moving forward.We cover:📊 What CGT is (simple explanation) 🏘 What changes are being proposed ⚠️ Who could be affected most 💡 How investors are reacting 📈 Smart strategies to consider earlyWhether you’re already investing or planning your first purchase, understanding tax changes like this can make a big difference to your long-term outcome.🎧 LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERE LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️ https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au00:00 – Intro: Why CGT Is Back in Discussion00:45 – What Capital Gains Tax Actually Is02:10 – Why Governments Look at CGT Changes03:35 – What’s Being Proposed05:10 – Who This Impacts Most06:45 – Investor Reactions So Far08:10 – Property vs Other Assets (Tax Impact)09:30 – Strategy: What Smart Investors Are Doing11:00 – Risks to Watch Moving Forward12:15 – Final Thoughts & Key Takeaways

March 15, 20269 min

Why Investors Use Negative Gearing in Property

Send us Fan Mail💰 Negative gearing is one of the most talked-about strategies in Australian property investing but many investors misunderstand how it actually works.In this episode of The Mortgage Chat, Tony breaks down what negative gearing really means, how the tax benefits work, and why investors use it as part of a long-term property strategy. We cover:📊 What negative gearing actually is 🏘 How property expenses can exceed rental income 💰 How tax deductions work in real life 📈 Why investors use negative gearing for long-term growth ⚠️ Common mistakes people make when relying only on tax benefitsNegative gearing isn’t just about getting a tax refund — it’s about building long-term wealth through property while managing your tax position strategically.If you're considering buying an investment property in Australia, this episode will help you understand whether negative gearing fits your strategy.🎧 LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqG YouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERE LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️ https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au00:00 – The Simple Negative Gearing Example00:12 – Intro: The Mortgage Chat00:40 – Why Investors Talk About Reducing Tax01:05 – What Negative Gearing Actually Means01:45 – Example: Property Expenses vs Rental Income02:40 – Understanding the Tax Deduction03:30 – Example Using a $10,000 Loss04:10 – How Tax Refunds Are Calculated05:20 – Why Investors Use Negative Gearing06:20 – The Long-Term Property Strategy07:15 – Risks and Misunderstandings08:20 – Final Thoughts for Property Investors

March 1, 202630 min

Where Melbourne Property Is Outperforming

Send us Fan Mail📍 Melbourne wasn’t the hottest market 18 months ago. Now certain suburbs are outperforming expectations.In this episode of The Mortgage Chat, Tony breaks down the Top 10 performing suburbs in Melbourne and what’s driving growth.We cover:📊 Why Melbourne rebounded 🏘 Which suburbs are leading performance💰 What’s driving price growth📈 Investor activity trends⚠️ What buyers should watch before enteringIf you’re considering investing in Melbourne property, this episode helps you understand where momentum is building and how to assess opportunities properly.🎧 LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERELinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511Instagram: https://www.instagram.com/tonyxia_themortgageagency/YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency📞 0423 718 612📩 Tony@themortgageagency.com.au00:00 – Intro: Melbourne Market Update00:55 – Why Melbourne Was Slower 18 Months Ago02:20 – What Changed in the Market03:45 – Investor Activity Returning05:10 – Suburb #10–#7 Breakdown07:15 – Suburb #6–#4 Breakdown09:20 – Suburb #3–#2 Breakdown11:05 – #1 Performing Suburb12:20 – What’s Driving Growth in These Areas13:40 – Final Takeaways for Investors

February 15, 20267 min

How to Use Your SMSF to Buy Property

Send us Fan Mail🏦 Thinking about using your SMSF to buy property? SMSF property investing can be a powerful wealth-building strategy, but the structure, lending rules, and compliance requirements are very different from standard investment loans. In this episode of The Mortgage Chat, Tony breaks down:📘 How SMSFs purchase property🏠 What you can and cannot buy💰 How SMSF loans actually work⚖️ Risk, liquidity, and compliance considerations📊 When SMSF property makes sense and when it doesn’t If you're serious about building long-term property wealth through super, this episode gives you the clarity you need before making a move.🎧 LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqG YouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERE LinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️ https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au

February 1, 202611 min

Why Asset Prices Matter More Than Interest Rates

Send us Fan Mail📉📈 Asset prices move constantly, and property investors who ignore them usually pay the price.In this episode of The Mortgage Chat, Tony breaks down how changes in asset prices influence property values, borrowing power, and long-term investment outcomes.We unpack: 🏠 What asset prices actually represent 📊 How rising asset prices affect borrowing capacity 💰 The flow-on effects to property markets ⚠️ Mistakes investors make when asset prices shift 🧠 How smart investors adapt their strategyIf you want to make better property decisions during market changes, this episode helps you understand what’s really happening behind the scenes.🎧 LISTEN TO THE PODCASTSpotify: https://open.spotify.com/show/0ey99ngIhSFhO1TfRAMcqGYouTube: https://www.youtube.com/@themortgageagency📍 FIND US HERELinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511Instagram: https://www.instagram.com/tonyxia_themortgageagency/YouTube: https://www.youtube.com/@themortgageagency8841/videos📅 Book a quick call ⬇️https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au00:00 – Intro: Why Asset Prices Matter00:50 – What Asset Prices Actually Mean02:15 – How Asset Prices Change Over Time03:45 – Impact on Property Values05:10 – Borrowing Power and Lending Impacts06:45 – Investor Behaviour During Price Shifts08:20 – Common Mistakes Investors Make09:55 – Adjusting Strategy in Changing Markets11:30 – Long-Term Thinking Around Asset Prices13:05 – Key Takeaways