Why do smart investors always pay principal & interest on their home loan…but interest only on their investment properties?In this episode, we break down the real difference between good debt and bad debt, how banks quietly penalise loyal customers through the lazy tax, and why your investment loan’s actual interest cost is far lower than the number you see on paper.We also share a real client example:A $1M home, a $500k mortgage, and how using good debt to invest — instead of just refinancing — became the key to paying off the home faster without squeezing his lifestyle.You’ll learn:✔️ Why your home loan is your most expensive debt✔️ Why investment debt becomes “easy debt” when structured correctly✔️ How tenants + tax benefits reduce your investment loan to near 1%✔️ Why winning $500k should pay off your home — NOT your investment✔️ How interest-only periods work (and why they quietly switch to P&I)✔️ How to avoid the hidden “lazy tax” banks hit you with✔️ Why property is one of the most tax-effective wealth tools in AustraliaIf you’ve ever wondered how to structure your loans to build wealth faster, this is the episode you don’t want to miss.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. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.Copyright © SmartMoney Wealth Management. All Rights Reserved.

Ver todos los episodios