Ever felt like your house just doesn't fit your life anymore? In this episode of So You Know, Vincent Turner chats with UNO mortgage broker Nathalie Pelissier about what "upgrading" really means, and it's not always about buying bigger. They dig into the life changes that push people to reconsider their home, the overwhelm that comes with it, and how to avoid the common traps like relying on online calculators or jumping straight into open homes without knowing your numbers. Nathalie also breaks down bridging finance in plain English, shares what the smoothest upgraders do differently, and explains why a buyer's agent, financial planner, and good solicitor might be just as important as your broker. If you're weighing up a move, a reno, or just wondering "can I get more," this one's for you.

Reverse mortgages used to have a reputation problem. Vincent Turner sits down with veteran mortgage broker Tim, who's spent 38 years in the industry, to explain why that reputation no longer matches reality, and how the product actually works for Australians 55 and over today.

They break down how much you can actually borrow, why the loan doesn't require a single repayment, what happens to the balance over time, and the built in safeguards that mean you can never be evicted or end up owing more than your home is worth.

In this episode:

• What a reverse mortgage actually is, in plain English
• How lenders calculate your maximum borrowing limit based on age
• Why interest capitalizes instead of being repaid, and what that means long term
• What triggers repayment, whether that's selling, aged care, or passing away
• The most popular ways people use the funds, from renovations to a living inheritance
• The one mistake almost everyone needs to avoid

If you're 55 or over, helping a parent plan their retirement, or just curious how this product really works today, this episode gives you the full picture before you talk to anyone about a loan.

Book a call with a Reverse Mortgage Specialist UNO broker Tim Lesina → https://www.unohomeloans.com.au/tim-lesina---reverse-mortgages/reverse-mortgages

Australia just overhauled the rules for property investors, and if you're a Kiwi thinking about buying a home across the ditch, you need to know what actually applies to you. In this episode, Vincent Turner sits down with mortgage broker Paul Davey, who holds a degree in economics and specializes in helping New Zealanders navigate the Australian property market, to unpack the government's latest budget changes.

They break down the removal of negative gearing on existing homes, the tightening of capital gains tax concessions for investors, and the new ban on self managed super funds borrowing to buy residential property. More importantly, they explain why these changes target investors, not owner occupiers, and what that means if you're simply looking for a place to live.

You'll also hear why the media may be overstating how far the property slowdown has actually gone, what lessons New Zealand's own post COVID market correction offers Kiwis watching Australia right now, and how the NZD to AUD exchange rate should, and shouldn't, factor into your decision to move.

Whether you're actively house hunting in Australia or still weighing up the move, this episode gives you the context to make a considered decision instead of a rushed one.

Topics covered:

• What Australia's negative gearing and capital gains tax changes actually mean
• Why these changes affect investors, not everyday home buyers
• Whether Australia is heading toward its own New Zealand style correction
• How to think about timing, exchange rates, and risk as a Kiwi buyer