460 | How To Navigate Cash Flow Challenges During Rate Rises: Real Life Case Studies

With today’s tightening rate cycle, it’s no surprise that many folks are refocusing and replanning their lending strategies to secure their cash flows. 

 That’s why, in this week’s episode we’re honouring those folks who are focusing on a “prevention rather than a cure” (and encouraging others to get on board!) by unpacking 4 REAL mortgage stories from our own brokers covering:  

👉 Refinancing before maternity leave when she’s the main breadwinner and there’s a history of health complications,  

👉 Navigating cash flow challenges as a single parent (The solution this parent decides to go with is downright inspirational and represents the choices MANY parents are facing!), 

👉 Relocating across states with jobs that CAN’T be done remotely, and… 

👉 Exactly why you need good lending advice from a qualified, experienced broker!  

If you can’t tell folks, this episode is packed full of evergreen wisdom that’ll reveal how to navigate cash flow challenges and optimise your lending strategy today.

Tune in now!  


Free Stuff Mentioned

  • Need help making your money last? Check out Moorr’s MoneySTRETCH to gain a clear line of sight into your finances! Watch Ben’s video to find out more here.  
  • Keen to talk to an experienced and investment savvy Mortgage Broker? Check out the Free Initial Consultation with our sister company, Empower Wealth here or fill in the form below:
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  • 0:00 – The Incoming Gold Today!  
  • 4:12 Mindset Minute: Spending can be a representation of… 
  • 9:54 – SUMMARY: Morgan Housel’s The Art of Spending  
  • 12:58 – Context for today’s episode  
  • 15:07 – Case Study #1: Maternity Leave & Health Complications  
  • 21:28 – The “a-ha” moment!  
  • 24:22 – Our Solution  
  • 29:55 – Case Study #2: Single Mother with a 12-Year-Old Son 
  • 35:27 – The 2 critical options they had!  
  • 37:03 – She was having THESE conversations over the dinner table… 
  • 40:07 – Is it really essential?  
  • 45:32 – Case Study #3: Married Couple with 2 Kids relocating to WA!  
  • 48:12 – THIS is always critical for Lending 😮  
  • 48:33 – The Perfect Blueprint: How they achieved their dream  
  • 53:19 Case Study #4: The Importance of Good Advice  
  • 56:09 – This happened during the GFC (+ why it’s like this cycle) 🙁  
  • 1:00:35 – Beware: Conflict of Interest!  
  • 1:03:05 – The Solution: Tiered Lending!  
  • 1:05:24 – Why the relationship should ALWAYS be the most important thing… 
  • 1:08:58 – What you should (and shouldn’t) be looking for in a broker!  
  • 1:12:50 – Need help making your money last? Check out MoneySTRETCH in Moorr!  


  • 1:16:27  Lifehack: How to BUY time?!  
  • 1:18:47 – Choose a brokerage that sharpens iron on iron. (Check out our awesome team if you need one!)  
  • 1:20:57 – What’s Making Property News: Thank you to all the folks who participated in the 9th PIPA survey! Interesting findings + what it means… 


RBA Cash Rate July 2023: The Close Rate Call


Note: If you’re a regular listener of Ben’s RBA releases, you may have noticed that this update is relatively concise. We’ve mentioned on the podcast that Ben won’t be providing a detailed economic breakdown for this release due to personal reasons. However, rest assured that we will resume our regular programming for the August 2023 release. 😊

Before delving into this month’s RBA Release, it is crucial to acknowledge the current climate of uncertainty, which has led some Australians to make rash decisions relating to their finances. We have seen some members of our community considering delaying their wedding plans, selling their cars, and even selling their properties.

While some of those decisions are well-considered, we are concerned that others might be jumping the gun a bit too soon.

There is no doubt that the stress level when it comes to money is at an all-time high, and we are seeing a similar trend of uncertainty, like at the start of COVID. Back then, to help our community better understand their cash flow, we built this tool called MoneySTRETCH, which lets you know how long your money will last if there’s a change in your circumstances. It really helped our community then.


What is MoneySTRETCH?

In a nutshell, this tool lets you know how long your money will last if there’s a change in your circumstances.

For example, if interest rates go 2% or 3% higher, you can enter the expected repayment value to see the impact on your current and future financial position – down to the exact cent and month! Can you last another 36 months at your current spending level if interest rates are at 9% as another example.

And yes, it can pretty much cater to other questions such as:

Can I even afford anything anymore? Should I take up a second job? Should I start a family this year? Maybe I should push back our wedding. Should I quit this job that I love and get a higher-paying job? Do I have to sell off my car? Should I sell off my property?

Now that we are facing another round of uncertainty, we thought we would share this tool with a wider community and hopefully help others in making better and more informed financial decisions.

If you would like to know more, click here to find out how Money Stretch can empower you to make more informed financial decisions.


Free Mortgage Review

Alternatively, if you would like to book a free and no-obligation consultation with us to review your finances and potentially, chase down a better deal and save more interest, simply fill in the form below to get in touch for a Free Mortgage Review.

Or Click here to learn more about our mortgage team.

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Now, let’s get into the RBA announcement.



Ben Kingsley here with an important message for all of us mortgage holders.

Today the RBA board met and they kept the cash rate on hold at 4.10%. Now that said, inflation is still a little bit of a problem so we may be still to see higher interest rates in the short term. Why am I bringing this up as a message? Well it’s really important because at the moment our mortgage costs have been higher than they have been for many many years.

It’s too often I see households which don’t take action. They just accept the current status quo and pay the higher interest rates and pay those higher repayments to their lenders.

Well, I’m here to tell you that if you do ask the question, there are potentially thousands of dollars in interest savings available to you. By way of example, just in the last 12 months alone, our award-winning mortgage broking team has saved over $3.5 million in interest costs.

So again, you’ve got to ask the question.

Now, what I am saying in terms of what’s happening from a competitive environment in the mortgage space is number one; there are still cashback offers available in the space. Now, what does that mean? Well, it means you could be reversing maybe one or two interest rate rises with several thousands of dollars in cash back.

In addition to that, we’re seeing super competitive interest rates. So we do know in the industry, we call it a loyalty tax. So if you’ve been with the land for, say, two or three years, you’re often paying higher interest rates than new customers pay for that exact same bank product. So it’s really important that you continue to keep shopping around.

And finally, one of the latest developments in this space is around refinancing – if you’re trapped in mortgage prison. So you may have gone back to your current lender and they said, look, there’s nothing we can do. And you’re thinking you can’t move because maybe six months ago you spoke to another lender and they said no. Well, there are recent developments around how servicing calculators can be worked around to allow you to refinance from your existing lender. We call that mortgage prison into a new, cheaper line. So even that is worth asking the question from your broker.


Now, if you don’t have a broker or if you’re not happy with your broker, we are definitely putting our hands up here at Empower Wealth, which is our award-winning mortgage brokerage team.

And we are saying to you, let us be that. Ask the question through us. Our services are completely free of charge to you. So what are you waiting for? You’ve got everything to gain and very little to lose. Let us do all the work for you in terms of hunting down a better deal. And if we can’t get a better deal, you haven’t lost anything other than just asking the question.

So if you’re interested in asking the question, all you need to do is fill in your details below and we’ll be in contact with you shortly.

Let’s go out there and chase down a better deal. That money is worth more to you than it is to the bank. Let’s go on and hunt, and find that money for you.

Free Mortgage Review

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436 | Warning! Don’t Fall For THESE Mortgage Myths

Last week we sat down with one of our Mortgage Brokers and well, they shared a client’s story which completely shattered our hearts and became the driver behind today’s show….

You see, this client had fallen for a common but sadly misguided lending myth which resulted in her losing THOUSANDS of dollars…😮🙁   

That’s why, in this episode, we’ve switched things up to become Ben and Bryce, your Mortgage MythBusters!!  

From debunking the 8 most common mortgage myths to unpacking where these misconceptions came from, we’ll be sorting fact from fiction as we determine which myths are tales of caution to heed, and which are just misinformed opinions.  

 And yes, we DO actually share the horror story which was the motivator of today’s show – tune in to 50:03 to hear what happens when bankers dish out the wrong advice  😞😭  

Seriously folks, avoid falling into the same lending mistakes and find out the truth in today’s episode.  

Tune in now or watch the episode below 😊  >>

Free Stuff Mentioned… 


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – What’s in store today 
  • 1:28 – One of us is 100% over the footy talk 😉  
  • 3:54 – The books Ben reckons will become classics!  
  • 4:36 – Mindset Minute: “Your results are largely a by-product of your….”  
  • 6:56 – Are you MoneyFIT? (aka. are you turning your flywheel?)  
  • 10:43 – Myth 1  
  • 11:00 – Ben’s Answer + why!  
  • 13:27 – And THIS is why it’s a myth in the first place.  
  • 16:33 – Myth 2 
  • 15:44 – The truth about businesses 🤯 
  • 20:17 – Consider these factors if you’re thinking of starting a small business…  
  • 24:09 – Myth 3  
  • 24:25 – This comes from an old legacy (and how it’s really done today!)  
  • 27:33 – Myth 4 
  • 27:44 – The Tough Reality (Ben gives you a demo of what brokers hear every day 😉)  
  • 32:46 – Myth 5 
  • 33:00 – Just 3 words folks: Lead. Generation. Tools!!!  
  • 36:39 – Content marketing, digital fingerprints and how to find reliable readings  40:12 – Myth 6 
  • 40:21 – The method traditional lenders use to conduct their assessments!  
  • 41:50 – Is there a way around this?  
  • 44:28 – Myth 7  
  • 45:01 – How a loan becomes polluted!  
  • 50:03 – A true and tragic case study🙁  
  • 54:52 – Myth 8 
  • 56:41 – Private Lenders: Would we recommend it?!  
  • 59:49 – Let’s Recap 



Get Moorr out of your money:
Log in or create your free account via the
Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 


431 | Paying Too Much Interest? 6 Ways To Avoid Overpaying

A mortgage is one the biggest loans most people will ever take out in their life. It’s a scary thought.  

Now here’s the only thing scarier than that…  

Being stuck in Mortgage Jail – and not realising it!  

This sad truth is unfortunately what too many folks are facing, especially with rising rates. That’s why in Episode 431, we’re shining a light on why EVERYONE needs an investment-savvy broker to help them break out of Mortgage Jail and stop overpaying on interest – for good.   

To help us do this, we’re sharing real client stories from our amazing team of investment-savvy brokers who work at the coal face of the lending game every single day.

(For the folks that don’t know – we’ve had the absolute privilege and honour of changing thousands of clients’ lives through Empower Wealth, our award-winning financial advisory.)

From refinancing to bridging, we’ll share 6 creative and clever ways that they’ve found the best solution for our clients and beaten the banks at their own game.  

 And of course, we’ll be dialling it up with tons more wisdom like…
👉 How to tell the difference between an average broker and an investment-savvy broker?
👉 What is Mortgage Prison (and why the banks DON’T want you to know about it)
👉 Why You Need to Fall In Love With The Finances (NOT the bank) and much, much more!  

Another episode with so much gold, listen in now!  


P.S. If you’d like to do beat the banks too and save thousands of dollars in interest like our clients already have, why not work with our team! Reach out today for a 100% free, no-obligation chat today >> 


P.P.S. Pheewww (That’s how we imagine a party horn sounds when written down) — It’s our 8th Birthday TODAY!! 🎂🍰🧁🥳 🙌🎈🎉🎊 To see our first 20 episodes grow to a collection of 431 episodes (with many more to come) makes our hearts glow with warmth and our faces beam with pride. Thank you to our amazing TPC tribe for tuning in each and every week ❤️ 


Free Stuff Mentioned… 


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – What’s in store today… 
  • 1:27 – Missed the PICA webinar? Become a member to watch the replay today!  
  • 2:36 – Mindset Minute: When the line between necessities & luxuries blur 😮  
  • 7:11 Our yardstick for helping clients (Yep. This is a REAL number)  
  • 10:43 – The set-up for today…  
  • 13:13 Folks, APRA is locking us up in mortgage prison! Here’s Why.  
  • 17:42 Story #1: They saved how much in interest?!?  
  • 19:16 – Year to Date: How we made it work in our favour.   
  • 21:29 – Story #2: We earned $0. But what we got was priceless.  
  • 23:46 – Refinancing: How To Negotiate Revert Rates  
  • 26:22 – THIS is what experience from an investment-savvy broker brings!!  
  • 28:43 – Bonus Story: This is what folks stand to gain… 
  • 29:40 – Story #3: The solution was simple; all that was needed was the leg work. 
  • 30:55 – Story #4: The loan was only of modest size. So how did we get them the best rate? 
  • 34:45 – There’s A LOT of competition right now; how can you make the most of it? 
  • 37:46 – Story #5: 2 hours work for a $12K incentive?! This is the deal we cut.  
  • 40:44 – This is why you shouldn’t be wedded to your banks!   
  • 42:24 – The Mechanics Behind A Bridging Loan 🌉  
  • 44:51 – Story #6: Their livelihoods were riding on this house. Here’s how they bought it – without the Bank of Mum & Dad!  
  • 47:10 – Why it’s not just about the tactics folks!  
  • 48:13 – This is why Credit Policy knowledge is critical! (Over $30K saved straight up!?!)  
  • 51:18 – The difference between a broker and an investment-savvy broker… 
  • 53:26 – The Key Takeaways (& Free Resources!)  
  • 55:08 – We’re gunning to save $3M+ of interest for our clients. Want to be part of this? Have a FREE, no-obligation chat with our award-winning investment-savvy Mortgage Broking team today. Click here to get started >>  



Get Moorr out of your money:
Log in or create your free account via the
Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 

406 | How to Beat the Banks at Their Own Game

Market sentiment is in a hairy place. 

Every day costs are rising, people are worried and purse strings are being pulled tighter.  

So how can you make sure you’re not leaving any money on the table?  

Well, from our experience, one of the biggest “money pits” people fall into is their mortgage loans. Specifically, folks don’t know how to find – and maintainthe best rate for them.  

Here’s the deal… 

When folks first start with their mortgages, all the banks are jumping with great offers. But it’s what happens after they’ve have been with a bank for a while that stumps them. 

How can they continue to stay on the best rates (and pay off your mortgage quicker) when banks are too busy offering their best deals only to new clients?!   

That’s why in today’s episode, Bryce & Ben are consolidating their insider’s knowledge and experience to give you the 7-lesson cheat sheet on… 

How to beat the banks at their own game.  

There’s tens of thousands of dollars on the line if you don’t play the mortgage game right, so tune in now! 😱😱😱 


Free Stuff Mentioned… 

  • Discover the TRUE cost calculator (How to Calculate Profit from Property Investment) here. 
  • Want to take the “Do it With Us” Approach? Check out our YouTube Channel for regular insiders gold on property investing and building wealth.  
  • Rather take the “Get it Done for You Approach”? Our team would love to have a free, no-obligation chat with you! Start a conversation with us today. 
  • Watch our short and sweet “Don’t Leave Money on the Table – Moorr Series” here.  
  • Free Money Management Platform – Want more out of your finances? Try moorr here.  
  • Listen to our latest episode (which reached #2 on the iTunes Chart!): Episode 405 | Why the Great Australian Renter’s Tax is Everyone’s Problem!? 


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – What’s in store…  
  • 2:20 – A kind review + could you do us a favour?  
  • 4:44 – Principles vs. Self-Interest  
  • 8:50 – The 4 ways banks make money off customers  
  • 13:45 – How “sticky” are you? 
  • 14:55 – #1: Lenders Go on Sale – Why do they do it?  
  • 16:08 – Folks, start to think of your mortgage as a c_m_ _d_ty!  
  • 19:30 – #2: Published Rates Are Negotiable  
  • 19:50 – What is a Highly Prized Client?  
  • 22:20 – How can you get the best deal?  
  • 23:00 – Why is property investing an insider’s game?! 
  • 25:51 – #3: Discount Rates can be Misleading 
  • 27:09 – Watch out for this common trick!!  
  • 29:25 – #4: Comparison Rates  
  • 30:14 – The real problem with these rates… 
  • 30:56 – How are comparison rates calculated??  
  • 32:47 – What the…The TRUE cost calculation!  
  • 37:04 – A quick disclaimer (This is a snapshot folks!)  
  • 39:48 – #5: The Loyalty Tax 
  • 40:48 – Why new borrowers get better deals 🙁  
  • 43:15 – Don’t overpay because of THESE money pits… 
  • 44:59 – Do these things and see how you benefit!  
  • 48:17 – #6: Bank’s Customer Service & Retention Teams – what do they do? 
  • 50:00 – You can expect this to happen when you decide to leave…  
  • 52:22 – This is how an investment-savvy Mortgage Broker will really benefit you… 
  • 54:00 – Don’t get mad – get even! (Don’t be this person)  
  • 56:01 – #7: Complexity is Real 
  • 57:17 – Why 72% of all lending today is handled through Mortgage Brokers…  
  • 1:02:50 – Having a Broker is like having a partner!  
  • 1:04:48 – What should you do next?  
  • 1:06:00 – Want to learn more? Check out our newest Moorr video series here.  


  • 1:06:50 – Here’s how you can take action today folks.  
  • 1:08:33 – If you’re keen to have our brokers do your review, select Finance and Loan Structure when booking your free, no-obligation consultation here.  
  • 1:09:49 – Why the Greedy Property Investor narrative is FALSE (1 man and 283 properties?!?)  
  • 1:12:58 – This is the worst outcome for tenants… 



Free Resources

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