SmartMoney Wealth Management

SmartMoney Wealth Management We help busy families take control of their money so they can own their home sooner and build their wealth safely.

15/06/2026

Everyone’s talking about negative gearing… but almost nobody is explaining it properly.

In this episode of Here Comes The Money, we break down:
• What negative gearing actually is
• Why supply & demand still controls the property market
• How the proposed changes may affect rents & prices
• What it could mean for first home buyers and investors

Sometimes the simplest explanation is the best one:
“If there’s less supply and more buyers… prices go up.”

Watch the full episode on YouTube:
https://youtu.be/2AyYrpzm8wM

Listen on Spotify:
https://open.spotify.com/episode/4h0ReKBdxYExAVlK9sE8CN?si=BS3NjjpNRtmizh4CnHnkYA

General Advice Warning:
All information discussed is general advice only and does not take into consideration your personal circumstances, objectives, or financial situation. Seek personal financial and taxation advice before acting on any information discussed.

29/05/2026

Most homeowners are paying their mortgage monthly without realising a fortnightly switch — same money, no extras — saves them 5 years and $133,000 in interest.

That's just the start of what Peter and Hobby unpack in Episode 15 of Here Comes the Money.

In this episode you'll learn:
✅ The repayment switch that saves 5 years and $133K — without paying more
✅ How an extra $100/week cuts nearly 7 years off your loan
✅ Why paying extra on your mortgage might actually be slowing you down
✅ The debt recycling strategy that turned a 30-year mortgage into 12
✅ The retirement gap most Australians don't see coming — until it's too late

🎧 Listen on Spotify → https://open.spotify.com/episode/3oUh8DCXPaV4Fyl0IGWtiZ?si=QZ7SFtVqSfe7wzshDUtWLQ

▶️ Watch on YouTube → https://youtu.be/muysWK4Op9Q

💬 Drop a comment below — are you paying monthly or fortnightly right now?

22/05/2026

Thinking about setting up an SMSF yourself to save a few dollars? That decision could end up costing you far more in the long run.

In this clip from Here Comes The Money, Peter and Hovig break down the hidden risks of DIY SMSFs, the compliance traps most Australians don’t see coming, and why “cheap” online setups often become expensive mistakes later.

From trustee structures and lending rules through to insurance gaps and setup errors, this is essential viewing before making any move with your super.

If you want to build real wealth with the right structure and strategy behind you, apply to work with the SmartMoney team below.

👉 Apply here: https://offers.smartmoneygroup.com.au/build-real-wealth

Or watch the full episode here:
🎥 https://youtu.be/8vghz6l-nqo?si=bfmqfU407-mGtMvt

18/05/2026

Thinking about a Self-Managed Super Fund? 👀

On paper, SMSFs can sound incredible… more control, property opportunities, leverage, tax advantages and potentially a bigger asset base. But there’s a side most people never hear about.

Get the setup wrong and what looked like a smart move can become a very expensive mistake.

In this clip from Episode 14 of Here Comes The Money, Hovig and Peter break down why SMSFs are becoming more popular — and why structure matters more than people think.

🎧 Full episode now live on Spotify & YouTube — links below.

https://open.spotify.com/episode/1DcXSLHVf0Ctmka1Egbq4T?si=F4Kp6lTESbS2A6JpMPGdpg

https://youtu.be/8vghz6l-nqo

11/05/2026

Why do people say:

🏠 Principal & Interest on your home loan
📈 Interest Only on investment properties?

Because not all debt is created equal.

Your home loan is generally considered “bad debt” — meaning it usually doesn’t provide tax benefits and comes directly out of your pocket.

Investment debt, on the other hand, can potentially provide tax deductions and income-producing benefits.

That’s why many people focus on aggressively reducing non-deductible debt first, while using strategy and cash flow to manage investment debt more effectively.

The key? Prioritising where your money works hardest. 💡

General Advice Warning: The information provided is general advice only and does not take into account your personal objectives, financial situation or needs.

07/05/2026

Why do savvy investors often pay Principal & Interest on their home loan… but Interest Only on investment properties? 🏡📈

It comes down to understanding the difference between good debt and bad debt.

✅ Home loans on your primary residence are generally considered non-deductible debt — so many people focus on reducing that first.

✅ Investment debt may provide tax-deductible interest benefits, which is why some investors prioritise cash flow and flexibility through Interest Only lending strategies.

The key is having a structured strategy around:
• Debt reduction
• Cash flow
• Tax efficiency
• Long-term wealth creation

Not all debt is equal — and the right structure can make a massive difference over time.

📩 Want to understand whether your current lending structure is working for or against you? Reach out to the SmartMoney team.

⚠️ General Advice Warning: All strategies and information provided are general advice only and do not take into consideration any of your personal circumstances. Please seek personal financial and taxation advice prior to acting on this information.

05/05/2026

Most people think you need more income to invest…

You don’t.

Banks only look at 2 things:
✔️ Serviceability
✔️ Equity

If you’ve got both — you might already have what you need to start.

The smart move isn’t always working harder…
It’s structuring what you already have.

General advice only. Does not consider your personal circumstances. Seek professional advice before acting.

30/04/2026

Most people think refinancing means starting their mortgage all over again.

It doesn’t.

That “30-year term” you see?
That’s just based on making the minimum repayment — exactly how the bank wants you to play the game.

And just like a credit card…
If you follow the system, you stay in debt longer — and they make more money.

The reality is:
You can refinance without resetting your timeline…
if you structure it properly.

The problem isn’t refinancing.
The problem is how most people are told to do it.

If you keep your repayments the same (or higher),
you can reduce interest, shorten your loan,
and take back control.

That’s the difference between:
👉 Playing the bank’s game
👉 Or building your own strategy

If you’ve ever been told to refinance and it didn’t feel right — you’re not wrong.

⸻

General Advice Warning:
All strategies and information provided are general advice only and do not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information.

27/04/2026

Is refinancing actually helping… or setting you back? 🤔

Most people focus on chasing a slightly lower interest rate…
But what they don’t realise is 👉 it can reset your loan back to 30 years.

That’s potentially more interest, more time, and more stress over the long run.

💡 The key isn’t just the rate… it’s how you structure your repayments.

If you refinance and keep your repayments the same,
you could actually pay your mortgage off faster — not slower.

This is where strategy matters more than rate.

If you’re not sure whether your current setup is working for you…
it might be time to look at the bigger picture 👇
Message or contact us today

All strategies and information provided are general advice only and do not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information.

24/04/2026

Most people wait.

Some people act.

Here’s what that difference looks like…

One of our clients, Sudip, increased his investment assets by $380,000 in 12 months.

Not his home.
Not luck.

Investment assets.

Now let’s be clear…

That doesn’t mean the next 12 months will look the same.

But that’s not the point.

The point is this:

By doing something — you give yourself the opportunity for growth.

By doing nothing — you lock in zero.

That’s the real risk.

Zoom out over time…

Even if results vary year to year,
It’s about giving yourself exposure to growth over the long term.

Because the biggest mistake we see?

People sitting on the sidelines… waiting.

Waiting for the “right time”
Waiting for certainty
Waiting for guarantees

Meanwhile, nothing changes.

Sudip made a move.

That’s why he got a result.

Send us a DM or email [email protected] if you want to understand what taking action could look like for you.

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information.

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