Already house poor or worried you might be? Grab a copy of House Poor:

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Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com

Rates are already near 7% for many borrowers, and with core inflation stuck at 3.6%, the RBA may have no choice but to push higher. In this episode, Lloyd breaks down the numbers behind rising mortgage rates, why inflation refuses to fall, and how Australia’s trillion‑dollar debt is making the problem worse.

◼️ Why inflation is stuck

◼️ How rates could reach 7%

◼️ Australia’s trillion‑dollar debt problem

◼️ How to prepare your finances now

Timestamps:

00:00:00 - Introduction

00:01:40 - Net yield and costs

00:02:37 - Franking credits overview

00:03:54 - US shares outperform

00:04:36 - Shares vs property over 30 years

00:05:19 - Where property wins: leverage

00:06:26 - Why leverage only works in rising markets

00:07:27 - Where shares win: lower costs

00:08:10 - Diversification advantage

00:09:51 - Tax changes and negative gearing

00:10:45 - Shares inside superannuation

00:11:19 - Future uncertainty in super rules

00:12:17 - Why shares align with his lifestyle

00:13:23 - Scaling money without scaling problems

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DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Already house poor or worried you might be? Grab a copy of House Poor:

https://moneybuyshappinessbooks.com/housepoorbook

Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com

Rates are already near 7% for many borrowers, and with core inflation stuck at 3.6%, the RBA may have no choice but to push higher. In this episode, Lloyd breaks down the numbers behind rising mortgage rates, why inflation refuses to fall, and how Australia’s trillion‑dollar debt is making the problem worse.

◼️ Why inflation is stuck

◼️ How rates could reach 7%

◼️ Australia’s trillion‑dollar debt problem

◼️ How to prepare your finances now

Timestamps:

00:00:00 - Introduction

00:00:32 - Chain of Events Leading to 7% Mortgage Rates

00:01:04 - Recent Rate Hikes and Expectations

00:01:24 - Impact of Inflation on Interest Rates

00:01:56 - Core Inflation and Oil Prices

00:02:28 - Borrowers' Current Mortgage Rates

00:03:10 - Impact of Rate Hikes on Borrowers

00:03:54 - Five Fires Causing Australian Inflation

00:05:30 - Government Spending and Stagflation

00:06:46 - Comparison with Other Economies

00:07:29 - Australia's Growing National Debt

00:08:33 - Government Policies and Inflation

00:09:04 - Practical Steps to Manage Finances

00:10:07 - Preparing for Future Rate Rises

00:11:09 - Advice for Savers and Homeowners

Follow Lloyd:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-j-ross-26b7859/

https://www.facebook.com/lloyd.ross.7

https://www.tiktok.com/@lloydjross

https://x.com/lloydjamesross

DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.

Already house poor or worried you might be? Grab a copy of House Poor:

https://moneybuyshappinessbooks.com/housepoorbook

Want to achieve financial freedom and build lasting wealth? Get the strategies you need—grab your copy of Money Buys Happiness today: http://moneybuyshappinessbook.com

In this episode, Lloyd breaks down why Australia’s major banks are suddenly cutting rates, stretching loan terms, and offering 5% deposits, not out of generosity, but desperation. Mortgage applications have collapsed, lending margins are shrinking, and banks are quietly shifting risk onto borrowers.

◼️ Why mortgage applications are collapsing

◼️ The hidden traps in new loan offers

◼️ How banks protect themselves while borrowers suffer

◼️ Smart moves to protect your money now

Timestamps:

00:00:00 - Introduction

00:01:12 - NAB applications down 15%

00:02:13 - Early signs of a housing correction

00:02:35 - Why borrowing capacity has collapsed

00:03:17 - Retail rate cuts and margin compression

00:04:18 - 40‑year mortgages introduced

00:05:04 - Leverage risk and equity wipe‑outs

00:06:41 - Trap 1, 40‑year loan maths

00:07:03 - Trap 2, 15‑year interest‑only

00:07:22 - Trap 3, 5% deposit equity risk

00:08:52 - Negative equity and real borrower examples

00:09:57 - LMI costs and sunk expenses

00:10:15 - Australia’s $2.6T mortgage debt

00:11:07 - Existing customers paying higher rates

00:12:20 - How to find your real rate

00:12:39 - Avoiding stretch‑loan products

00:13:24 - Running investment deals on P&I

00:14:10 - Banks in your superannuation

Follow Lloyd:

https://www.instagram.com/lloydjamesross/?hl=en

https://www.linkedin.com/in/lloyd-j-ross-26b7859/

https://www.facebook.com/lloyd.ross.7

https://www.tiktok.com/@lloydjross

https://x.com/lloydjamesross

DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.