Podcast
The Mortgage Maze
Hosted by Richard Ferguson · EN
Tips for both First Home Buyers and seasoned investors.
Richard Ferguson, a Sydney-based broker with more than 27 years experience in the broking industry discusses a wide range of topics designed to inform and empower.
7episodes
Episodes
Newest firstAll episodes
Debt Recycling - does it work?
Jan 1900:14:53Tap to summarizeDebt recycling is a sophisticated financial strategy used by Australian homeowners to transform non-deductible mortgage debt into tax-deductible investment debt. The process typically involves using home equity to fund the purchase of income-producing assets, such as shares or property, which then generate returns to accelerate mortgage repayments. By splitting loans into separate accounts, borrowers can maintain the clear records required by the ATO to claim interest deductions. This method aims to build long-term wealth and achieve a debt-free status sooner without necessarily increasing total liabilities You can contact us via our web page - here.You can find out more at https://www.mortgagechoice.com.au/richard.ferguson/
Transcribe →Negative Gearing.
Dec 100:17:59Tap to summarizeProposed changes to taxation laws announced on May 12th. 2026 may render this mechanism redundant. This episode will be updated once legislation has been confirmed.This podcast defines and explains the mechanism of negative gearing, an investment strategy where the expenses of owning a rental property, primarily loan interest, exceed the income it generates. This operational deficit results in a net rental loss, which the investor can claim as a deduction against their overall taxable income, such as salary or business earnings, thereby reducing their immediate tax liability. The podcast emphasises that this technique is most beneficial to higher-income earners who are willing to cover short-term cash flow gaps in anticipation of substantial future appreciation, known as capital gains. Finally, the podcast covers the additional complexities involved, including deductions for depreciation and the specific tax rules applied when the property is eventually sold. You can contact us via our web page - here.You can find out more at https://www.mortgagechoice.com.au/richard.ferguson/
Transcribe →Trust Borrowing - is this strategy beneficial?
Oct 1400:22:23Tap to summarizeThis episode provides a guide on how experienced Australian property investors utilise trust structures to significantly enhance their borrowing capacity, allowing them to expand beyond just one or two investment properties. You can contact us via our web page - here.You can find out more at https://www.mortgagechoice.com.au/richard.ferguson/
Transcribe →SMSF Borrowing - Part One
Aug 2500:17:00Tap to summarizeToday in this two part podcast, we’re lifting the lid on how borrowing works within an SMSF. We’ll take you behind the scenes to explore the real mechanics — the practical steps lenders take to assess your borrowing capacity. And we’re doing it through the lens of someone just starting out, trying to wrap their head around this unique financial setup. Just a quick note before we dive in: what you’ll hear is general financial advice." You can contact us via our web page - here.You can find out more at https://www.mortgagechoice.com.au/richard.ferguson/
Transcribe →SMSF Borrowing - Part Two
Aug 2500:17:32Tap to summarizeIn Part Two of our SMSF Podcast, we look at SMSF strategy. This is general advice only.You can find out more at https://www.mortgagechoice.com.au/richard.ferguson/
Transcribe →Construction Loans 101
Aug 1200:19:12Tap to summarizeThinking about building your dream home or starting a major renovation? In this episode, we break down the ins and outs of construction loans—how they work, what to expect, and tips to avoid costly pitfalls. Whether you’re a first-time builder or a seasoned investor, you’ll walk away knowing how to turn your plans into reality with the right financing in place. You can contact us via our web page - here.You can find out more at https://www.mortgagechoice.com.au/richard.ferguson/
Transcribe →Your Essential Guide to the Property Purchase Process
Aug 100:21:36Tap to summarizeOur mission in this deep dive is really to cut through all that complexity. We want to simplify what often feels like a really opaque process. You can contact us via our web page - here.You can find out more at https://www.mortgagechoice.com.au/richard.ferguson/
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