Friends With Money

From deposits and pre-approvals to offset accounts and paying off your loan, there's no shortage of misconceptions around mortgages.
On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Jack Elliott, mortgage broker and national first home buyer specialist at Alcove and First Home Unlocked, to bust some of the most common mortgage myths.
00:00 Introduction
01:48 Do you need a 20% deposit to buy a home?
06:38 Does mortgage pre-approval guarantee loan approval?
10:22 Is the lowest home loan rate always the best deal?
13:36 Are offset accounts always worth it?
17:29 Should you pay off your mortgage in full if you can?
19:31 Conclusion
#friendswithmoney #tomwatson #jackelliott #mortgagesPodcast Links:
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Email Us: podcast@moneymag.com.au

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From technology to fixed income, ETF investors have been putting their money to work in a range of different ways. But which ETFs have delivered the strongest returns?

On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Chris Brycki, founder and chief executive of Stockspot, to unpack the latest ETF trends and what they mean for Australian investors.

00:00 Introduction
01:55 The pull of AI and semiconductors
03:16 Resources, energy and emerging markets
04:20 Why investors are adding fixed income ETFs
06:00 The standout ETF performers of the last 12 months
10:00 Gold and cryptocurrency volatility
12:38 Outlook for ETFs in 2027
16:14 Conclusion
#friendswithmoney #tomwatson #chrisbrycki #investing #etfsPodcast Links:
Listen on Apple Podcasts
Listen on Spotify
Money Website
YouTube Podcast Playlist
Email Us: podcast@moneymag.com.au

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Investors spend plenty of time agonising over buying shares, but knowing when to sell can be just as crucial.
On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Dale Gillham, chief investment analyst at Wealth Within, to discuss the art of selling shares and the factors investors should consider before hitting the sell button.
00:00 Introduction
02:00 Why selling shares is harder than buying
08:00 The importance of having an exit strategy before you buy
13:00 Signs that it's time to sell up
16:00 Should you sell after big gains?
20:00 How tax should affect your selling decisions
22:40 Conclusion

#friendswithmoney #tomwatson #dalegillham #shares

Podcast Links:
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Listen on Spotify
Money Website
YouTube Podcast Playlist
Email Us: podcast@moneymag.com.au

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Planning an overseas holiday? Once you've booked your flights and accommodation, travel insurance should probably be next on your checklist.
On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Natalie Smith, travel insurance expert and head of marketing at Comparetravelinsurance.com.au, to run through what travel insurance really covers and the common mistakes travellers make.

00:00 Introduction
01:44 When should you buy travel insurance?
03:13 Basic vs comprehensive travel insurance
03:38 How much does travel insurance cost?
05:23 Does travel insurance cover adventure activities?
07:00 Can you rely on credit card travel insurance?
09:00 The most common travel insurance mistakes
10:20 Natalie’s top travel insurance tip
11:14 Conclusion

#friendswithmoney #tomwatson #nataliesmith #travelinsurance

Podcast Links:
Listen on Apple Podcasts
Listen on Spotify
Money Website
YouTube Podcast Playlist
Email Us: podcast@moneymag.com.au

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With interest rates at their highest level in years, could homeowners be doing more to keep their mortgage costs down?

On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Richard Whitten, money and home loans expert at Finder, to discuss the outlook for rates and the practical steps borrowers can take to cut their home loan costs.

00:00 Introduction
02:01 Are lenders passing on the latest rate rise?
03:08 What does the latest hike mean for borrowers?
04:22 Will there be another rate rise this year?
05:44 First steps to reduce your mortgage costs
08:00 How to negotiate a lower rate with your lender
10:00 When refinancing makes sense and what to watch for
12:00 Why refinancing may be harder right now
13:23 Richard's top tip for homeowners facing higher repayments
14:34 Conclusion

#friendswithmoney #tomwatson #richardwhitten #homeloans #rbaPodcast Links:
Listen on Apple Podcasts
Listen on Spotify
Money Website
YouTube Podcast Playlist
Email Us: podcast@moneymag.com.au

Get stories like this in our newsletter: https://bit.ly/4pKl3ai