How to Borrow MORE in 2025! 3 Live Callers Get Un-Stuck! – With Morgan Bushell
How to Borrow MORE in 2025! 3 Live Callers Get Un-Stuck!
In this engaging episode, Morgan Bushell, Mortgage Broker & Director of Full Circle Finance, explores the intricacies of lending with three callers—Steve, Mick, and Beck—each navigating their unique financial landscapes.
Steve, who works in construction, seeks to build a $100,000 passive income through property investment. Morgan provides expert advice on optimising his portfolio and loan structuring to enhance cash flow.
Mick, a mines worker, shares his ambition to transition into a full-time property flipping business. With a successful portfolio already in place, he discusses funding strategies and the importance of effective business structuring.
Lastly, Beck, a new mother on maternity leave, is eager to purchase her first investment property. While her segment is brief, it highlights the challenges faced by many first-time investors.
Click on this episode now for valuable insights and practical strategies that can help you on your own property investment journey!
Get in touch with our amazing episode contributors & sponsors:
Get in touch with Morgan Bushell and his expert team of mortgage brokers
👉👉👉 https://www.fullcirclefinance.com.au/
Talk with Dawn Fouhy and her team today:
https://futureproofpropertyadvisory.com.au/
InvestorKit:
https://www.investorkit.com.au/
Chat with Steve Ash today:
Come visit Suburbs Finder to use their wide range of tools:
CHAPTERS:
00:00 – Introduction
01:33 – Debt Structuring Insights
01:52 – Understanding Lending Options
03:23 – Steve’s Background and Goals
06:47 – Airbnb vs. Long-Term Rental
08:14 – Cash Flow and Property Management
09:24 – Future Property Plans
12:14 – Loan Structure and Cash Flow
13:40 – Restructuring Loans for Better Cash Flow
15:57 – Bank Preferences for Rental Income
17:24 – Business Income and Lending
19:26 – Timing and Financial Year Considerations
20:24 – Land Tax and Property Structuring
22:10 – Business Growth and Property Investment
23:20 – Tax Planning and Borrowing Power
24:16 – Long-Term Property Investment Strategy
25:29 – Approval Timelines and Financial Year Impact
26:21 – Summary of Steve’s Situation
27:02 – Introduction to Mick’s Goals
27:59 – Mick’s Flipping Business Goals
33:02 – Flipping Strategy and Funding
35:16 – Private Lending vs. Money Partners
39:10 – Opportunities for Mick’s Flipping Business
40:10 – Business Structure and Lending
41:04 – Accountant’s Letter for Lending
42:57 – Future Borrowing Power and Next Steps
44:49 – Buying a Principal Place of Residence (PPR) vs. Investment Property
53:24 – Introduction: Beck’s Situation
53:56 – Beck’s Maternity Leave and Investment Plans
55:01 – Using Home Equity for Investment
55:39 – Lending Challenges on Maternity Leave
59:03 – Comparing Maternity Leave and Return Income
01:01:49 – Full-Time Mum Scenario and Loan Impact
01:02:51 – Dependent’s Impact on Borrowing
01:03:27 – Final Thoughts
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