The Mortgage Chat

Hosted by Tony Xia

Business Investing

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Oct 2026

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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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October 16, 20265 min

How Healthcare Workers Can Borrow More for a Home

Send us Fan Mail 🏥 Did you know different banks can calculate your income differently when assessing your home loan? If you work in healthcare or an eligible not-for-profit organisation, your overtime, shift allowances and salary-sacrifice arrangements could make a difference to your borrowing power. In this episode of The Mortgage Chat, Tony explains how lender policies can affect essential workers and why comparing the right lenders could help you borrow more for your first home. We cover: 🏦 Why banks classify essential workers differently 💰 How overtime and shift allowances affect borrowing power 📊 Why some lenders may use 100% of eligible additional income while others use only 80% 👩‍⚕️ What nurses and other healthcare workers should know 🚑 How public-sector and private-sector employment may be assessed 💵 How salary sacrifice can affect your borrowing capacity 📈 A worked example comparing three hypothetical lenders 🏡 How the right lender selection could make a difference when buying your first home 💡 What about the numbers? Tony walks through an example involving a couple earning $100,000 each, plus $20,000 each in overtime or shift allowances. The example demonstrates how differences in lender assessment policies can produce different borrowing outcomes. Tony also explains how eligible salary-sacrifice arrangements may be treated differently between lenders. The central message? Your borrowing power isn't determined by your salary alone. How a lender assesses your income matters too. If you're a nurse, healthcare worker, carer, cleaner, or an employee in an eligible not-for-profit organisation, it's worth understanding how lenders assess your particular income and employment circumstances. 🎯 Before applying for a home loan, compare lenders carefully and check how their current policies apply to your situation. Eligibility and borrowing amounts vary between lenders. 🎧 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 00:00 – Healthcare Workers: A Borrowing Power Opportunity 00:16 – The Lender Policy Change Explained 00:34 – Why Essential Worker Classification Matters 00:48 – Overtime & Shift Allowances: 100% vs 80% 01:12 – How Income Assessment Can Affect Borrowing Power 01:28 – Which Healthcare Workers Could Benefit? 02:08 – Example: A Couple Earning $120K Each 02:42 – Comparing Borrowing Power Across Three Banks 03:18 – Salary Sacrifice and Its Impact on Borrowing 03:53 – How Salary Sacrifice Changes the Numbers 04:21 – Why Different Lender Policies Matter 04:34 – How a Broker Can Help Identify Suitable Lenders 04:51 – The Potential $60K–$100K Borrowing Difference 05:04 – Why This Lender Policy Could Be a Game Changer 05:20 – How to Get a Borrowing Power Assessment 05:38 – Final Takeaways

September 27, 202611 min

Why Trust Structures Could Trap Property Investors

Send us Fan Mail 🏘 Trust structures can help investors structure property ownership but what happens when you have multiple trusts and your lending strategy changes? In this episode of The Mortgage Chat, Tony breaks down the risks of investing through multiple trust structures, particularly when lenders change how they assess trust debt. The biggest issue discussed in this episode is future flexibility. Tony explains how lender changes can make it harder to: 🔄 Refinance existing loans 🏦 Restructure debt 📊 Maintain borrowing capacity 💰 Manage cash flow across multiple properties ⚠️ Sustain a large portfolio when tax benefits change 📋 Move between lenders when existing debts are already heavily leveraged The episode also looks at the additional costs involved in maintaining multiple trust entities and why being able to buy more properties doesn't necessarily mean you can sustainably hold them. Tony then walks through a real client scenario involving multiple trust structures, different lenders, an owner-occupied property and loans moving from interest-only to principal-and-interest repayments. The example illustrates how refinancing and cash-flow problems can develop when borrowing capacity becomes constrained. We cover: 🏛 Why investors use trust structures ⚠️ Why lender policies around trust lending matter 🔄 Refinancing and restructuring risks 💵 The ongoing cost of maintaining multiple entities 📉 What happens when interest-only loans convert to principal & interest 📊 Why sustainability matters more than simply accumulating properties 🏠 A real-world client scenario 💡 Questions investors should consider before expanding through multiple trusts This episode is especially relevant for investors considering multiple properties, multiple trusts and complex lending structures. 🎧 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 00:00 – The Risk Nobody Talks About With Trust Structures 00:29 – Why Investors Use Trust Structures 01:18 – Why Trust Structures Became More Attractive After the Budget 01:49 – How Lender Policies Have Changed 02:18 – The Problem With Multiple Trust Entities 03:02 – How Multiple Lenders Can Create a Lending Trap 03:37 – Why Refinancing Can Become More Difficult 04:18 – The Borrowing Capacity Problem 05:33 – Why Sustainability Matters More Than Property Count 06:00 – The Cost of Maintaining Multiple Trusts 07:26 – The Cash-Flow Risk of Multiple Properties 08:20 – Real Client Example: Three Trust Structures 09:21 – When Interest-Only Loans Become Principal & Interest 10:04 – Why Their Borrowing Power Became Maxed Out 10:24 – Refinancing & Cash-Flow Problems 11:05 – The Key Warning for Trust Investors 11:17 – Final Thoughts

September 13, 202613 min

Under $500K: The Property Market That Could Boom Post-Budget

Send us Fan Mail 🏡 Could properties under $500K become the next big opportunity for investors? Post-Budget changes have affected borrowing power for many investors, with Tony explaining that some lenders are no longer factoring negative gearing into their calculations. This can significantly reduce the amount investors are able to borrow. That creates an interesting shift in the market. Instead of competing for $700K–$800K properties, some investors may increasingly look towards $400K–$600K properties with stronger rental yields and manageable cash flow. In this episode of The Mortgage Chat , Tony breaks down why he believes the under-$500K segment could become increasingly attractive , particularly for first-time investors. We cover: 💰 Why borrowing power has changed post-Budget 📉 How reduced borrowing capacity can change investor behaviour 🏘 Why investors may move towards lower-priced properties 📈 The importance of rental yield and cash flow 💵 Why 4.5–5%+ rental yields could become more attractive 🌏 Why regional properties are being considered 🏠 Townhouses, villas and small unit complexes 🌱 Why the land component matters when buying property 📊 How investor borrowing power can influence future prices 🔥 Why buying before competition returns could create an opportunity 📍 How to analyse an area's income, affordability and purchase-price range Tony also explains why investors should look beyond simply finding a cheap property. The goal is to find an affordable asset with strong rental fundamentals, a good location and potential for future demand. 📌 The key idea: if more investors are forced into a lower price bracket, properties within that bracket could see increased competition when confidence returns to the market. 🎧 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 00:00 – Why Under $500K Could Be the Next Big Thing 00:19 – How the Budget Changed Investor Borrowing Power 01:53 – Why Lower-Priced Properties Could Benefit 02:15 – A Realistic First-Time Investor Example 02:37 – When Borrowing Power Falls to $500K 03:18 – Why Investors May Chase Higher Rental Yields 03:42 – The Appeal of $400K–$600K Properties 04:20 – Why First-Time Investors May Move Into This Price Range 04:52 – The Potential Six-Month Opportunity 05:05 – Why Buying When Confidence Is Low Can Matter 05:39 – Regional Properties Under $600K 05:57 – The Importance of 4.5–5%+ Rental Yield 06:16 – Regional Houses Around $500K 06:28 – Townhouses, Villas & Small Unit Complexes 06:54 – Why the Land Component Matters 07:08 – Understanding Land Ownership in Unit Complexes 07:40 – How to Assess Land Value 08:12 – Why Investors Are Waiting on Negative Gearing Changes 09:12 – Why Sub-$500K Assets Are Attractive Right Now 09:23 – Cash Flow at Higher Interest Rates 09:53 – Planning for a 7% Interest Rate Environment 10:24 – The Potential Transition: Lower Rates & Higher Yields 10:53 – How Properties Could Become Positively Geared 11:10 – Why the $500K–$550K Range Could Matter 11:47 – How Competition Can Push Prices Higher 12:06 – Townsville Example: How Prices Can Move 12:50 – What Investors Should Analyse Before Buying 13:21 – Why Certain $500K Properties Could Boom 13:36 – Final Takeaways

August 30, 20267 min

Pre vs Post Budget: How Much Borrowing Power Could You Lose?

Send us Fan Mail 🧭 The property investment strategy may be changing. With the proposed changes to negative gearing and capital gains tax, investors may need to think differently about borrowing power, rental yield and the real cost of holding an investment property. In this episode of The Mortgage Chat, Tony compares a client's pre-Budget and post-Budget scenarios to show how the numbers can change — and why some investors may need to focus more heavily on cash flow. We cover: 📉 How the changes could affect borrowing power 💰 A real pre-Budget vs post-Budget client comparison 🏦 Why borrowing power could fall significantly 🏘 Why higher-yield properties may become more attractive 📊 How rental income affects the cost of holding an investment 💵 The difference between gross and net rental yield 🧮 How cash flow changes when negative gearing benefits are removed 📈 Why investors may need to rethink capital growth vs rental yield ⚠️ Why affordability and cash flow matter more than ever Tony walks through an example where borrowing power changes from around $640,000 pre-Budget to $505,000 post-Budget, while showing how a higher-yield property could reduce the ongoing cash shortfall. The key takeaway? You can still invest — but the strategy may need to change. ⚠️ Note: This episode discusses proposed/policy-related changes and Tony's personal views and strategy. Always seek independent tax, legal and financial advice before making investment decisions. 🎧 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 00:00 – Intro: Negative Gearing Changes 00:20 – Why Investors Need a New Strategy 01:09 – Can You Still Invest in Existing Properties? 01:38 – Pre vs Post Budget: A Real Client Example 02:06 – Borrowing Power Before the Budget 02:38 – Borrowing Power After the Budget 03:04 – Why Borrowing Power Could Fall 03:27 – The Original Investment Property Scenario 03:45 – Why Rental Yields Matter More Now 04:14 – The Shift Towards Higher-Yield Properties 04:53 – Calculating the Real Cost of Holding the Property 05:20 – Pre vs Post Budget Cash Flow 05:47 – How Higher Rental Yield Reduces the Shortfall 06:18 – Why Investment Strategy Is Changing 06:50 – The Impact on Capital Growth Strategy 07:13 – The New Game Plan for Investors 07:36 – Final Advice: Watch Your Cash Flow

August 16, 202612 min

Negative Gearing Changes: What Should Investors Do Now?

Send us Fan Mail 🔄 The Budget has changed the game for property investors. With proposed changes around negative gearing and capital gains tax, investors may need to rethink how they structure and select their next investment property. In this episode of The Mortgage Chat, Tony breaks down the strategies his clients are considering after the Budget — particularly when cash flow becomes a bigger consideration. We cover: 📉 How changes to negative gearing could affect investors 💰 The potential impact of capital gains tax changes 📊 A real client scenario involving a $675K investment property 💵 Why cash flow becomes increasingly important 🏘 Why high-rental-yield properties could become more attractive 🏗 The potential role of off-the-plan properties, townhouses and house & land ⚠️ Why tax benefits shouldn't be the only reason you buy an investment property 📈 How investors may need to adapt their strategy depending on income and disposable cash flow Tony also walks through different approaches depending on an investor's financial position — from higher-income investors who can comfortably carry negative cash flow to investors who may need a more cash-flow-focused property strategy. ⚠️ Note: This episode discusses proposed/policy-related changes and Tony's personal views and strategy. Always seek independent tax, legal and financial advice before making investment decisions. 🎧 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 00:00 – Budget Changes: Why Investors Need to Pay Attention 00:16 – Negative Gearing Changes Explained 01:10 – The Grandfathering Rules & New Properties 01:35 – Proposed Capital Gains Tax Changes 02:00 – What the Changes Could Mean for Asset Owners 02:20 – Political Context Behind the Changes 03:35 – What Tony Is Doing for Clients Now 04:20 – Real Client Example: $675K Investment Property 05:15 – Rental Income, Expenses & Negative Gearing 06:00 – The Tax Refund & True Holding Cost 06:45 – Why Investors Need to Change Strategy 07:25 – Strategy #1: Higher Income + Long-Term Growth 08:35 – Strategy #2: Focus on High Rental Yield 09:05 – Example: 6.32% Rental Yield Property 09:55 – How Lower Rates Could Change Cash Flow 10:25 – Strategy #3: Off-the-Plan & New Properties 10:55 – House & Land Packages: The Trade-Off 11:40 – Final Strategies & What Investors Should Consider

August 11, 20267 min

House & Land After the Budget: What Buyers Need to Know (2026)

Send us Fan Mail 🏡 The Federal Budget has been announced—but what does it actually mean for house and land buyers? Many Australians are wondering whether now is the right time to build, buy, or wait. In this episode of The Mortgage Chat, Tony explains how the latest Budget measures may influence the house and land market, borrowing conditions, and opportunities for first-home buyers and investors. We cover: 🏘 How the Budget impacts house and land packages 💰 Government incentives and what they could mean 📈 Market conditions after the Budget announcement 🏦 Financing considerations for buyers ⚠️ Common mistakes to avoid before signing a contract Whether you're building your first home or planning your next investment, understanding how policy changes affect the market can help you make more informed decisions. 🎧 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 00:00 Budget changes explained 00:21 Introduction 00:29 What changed with negative gearing & CGT 00:50 Why investors are looking at new builds 01:22 Are house & land packages worth it? 01:42 Real investment examples 02:23 Why house & land can still make sense 02:44 Construction loans explained 03:19 Buying land before construction 04:32 Progress payments explained 06:07 Understanding your total loan 06:20 How long construction really takes 06:53 Cash flow during construction 07:23 Key takeaways before investing 07:43 Final thoughts

July 19, 20269 min

Can an SMSF Help You Build Wealth

Send us Fan Mail 🏘 Thinking about buying property through your Self-Managed Super Fund (SMSF)? Understanding the rules is one thing but seeing a real-world scenario makes the strategy much easier to understand. In this episode of The Mortgage Chat , Tony walks through a practical SMSF example, explaining how the numbers work, who the strategy may suit, and the important factors investors should consider before taking the next step. We cover: 📊 A practical SMSF investment scenario 💰 How property can be purchased through an SMSF 🏦 Borrowing and lending considerations 📈 Potential long-term wealth-building opportunities ⚠️ Risks, responsibilities, and common misconceptions An SMSF can be a powerful investment vehicle when it's structured correctly but it's important to understand both the opportunities and the obligations before making any decisions. If you're considering using your super to invest in property, this episode provides a practical framework to help you better understand the strategy. 🎧 LISTEN TO THE PODCAST Spotify: SpotifyThe Mortgage Chat YouTube: YoutubeThe Mortgage Agency 📍 FIND US HERE LinkedIn: Linkedinlinkedin.com/in/tony-xia-12a7b596 Facebook: Facebookfacebook.com/The-Mortgage-Agency-1032743... Instagram: Instagraminstagram.com/tonyxia_themortgageagency YouTube: Youtubeyoutube.com/@themortgageagency8841/video... 📅 Book a quick call ⬇️ ThemortgageagencyContact | Call The Expert Mortgage Brokers | The Mortgage Agency Tony Xia | The Mortgage Agency 📞 0423 718 612 📩 Tony@themortgageagency.com.au 00:00 – Intro: A Real SMSF Scenario 00:35 – Why This Example Matters 01:25 – Understanding the Investor's Situation 02:40 – How the SMSF Purchase Works 04:10 – Borrowing Through an SMSF 05:35 – Cash Flow & Contribution Considerations 07:00 – Potential Benefits Over Time 08:20 – Risks & Compliance Requirements 09:45 – Who This Strategy May Suit 11:00 – Key Lessons from the Scenario 12:10 – Final Takeaways

July 5, 20267 min

How Sydney Metro Could Affect Property Values

Send us Fan Mail 🚆 Sydney Metro is transforming the city but does that automatically mean property prices will rise? Many buyers assume that purchasing near a new Metro station guarantees strong capital growth. The reality can be much more complex. In this episode of The Mortgage Chat , Tony explains how the Sydney Metro could affect house prices, apartment values, and investment opportunities , while highlighting some common mistakes buyers should avoid. We cover: 🚆 How Sydney Metro changes local property markets 🏢 Why apartments and houses may perform differently 📈 What infrastructure projects can (and can't) do for prices ⚠️ Common sales tactics buyers should be aware of 💡 What to consider before buying near a Metro station Infrastructure can create opportunity but buying solely because a Metro line is nearby isn't always the best investment strategy. If you're considering purchasing around Sydney Metro developments, this episode will help you make a more informed decision. 🎧 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 00:00 – Intro: Sydney Metro – Watch Out! 00:18 – Why Everyone Is Talking About the Metro 01:10 – Does New Infrastructure Increase Property Prices? 02:35 – Houses vs Apartments Near Metro Stations 04:05 – The Sales Pitch Buyers Often Hear 05:30 – Why First-Home Buyers Should Be Careful 07:00 – The Supply Problem Around Metro Developments 08:30 – What Actually Drives Long-Term Growth 10:00 – Smarter Buying Strategies 11:20 – Final Takeaways

June 21, 202610 min

Why You Shouldn’t Always Use a Trust Structure

Send us Fan Mail 🏘 Many investors hear the same advice: "Just buy it in a trust." But is a trust structure always the best option? In this episode of The Mortgage Chat , Tony breaks down when trust structures may not be the right solution , the costs involved, and the trade-offs investors often overlook. We cover: 📊 What a trust structure actually does 💰 Potential tax and asset protection benefits ⚠️ The disadvantages many investors don't consider 🏘 How trusts can affect lending and borrowing capacity 📈 When personal ownership may be the better option Trusts can be powerful tools when used correctly — but they aren't a one-size-fits-all strategy. If you're considering buying property, building wealth, or restructuring your portfolio, this episode explains the key factors you should understand before making a decision. 🎧 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 00:00 – Intro: Are Trusts Always Better? 00:40 – What Is a Trust Structure? 01:35 – Why Investors Use Trusts 02:45 – Common Benefits Explained 04:00 – The Hidden Costs of Trusts 05:20 – Lending Challenges & Borrowing Capacity 06:40 – Tax Considerations Investors Miss 08:00 – When a Trust May Not Be Suitable 09:20 – Real Investor Examples 10:40 – Trust vs Personal Ownership 12:00 – Final Takeaways

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 now Understanding 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 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 00:00 – Why Today's Decisions Affect Tomorrow's Market 00:35 – What Is the Trickle Effect? 01:40 – The First Domino: Economic Change 02:55 – How Inflation Starts the Chain Reaction 04:15 – Interest Rates Enter the Picture 05:30 – Borrowing Power Begins to Shift 06:45 – Consumer Confidence Changes 08:00 – Property Markets Start Responding 09:25 – Why Some Effects Take Months to Appear 10:40 – What Investors Should Watch Next 12:00 – Final Takeaways

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