What Property Investors Must Know Before Applying for a Loan
Listen to Wealth Coffee Chats Podcast Now
In today’s special Finance Friday episode of Wealth Coffee Chats, Cang is joined by members of Positive’s six-star team live from the Positive Money team, live from the Exit Plan. The team deep-dives into the real impacts of casual and contract income on your borrowing power, sharing real client scenarios, loan preparation tips, and lender insights. Whether you’re switching roles, adding a second job, or going from full-time to ABN-based contracting, this is essential viewing before applying for a loan. Learn how to proactively structure your income for long-term property investment success. Let’s Wealth Coffee Chat!
🎥Chapters:
00:00 – Intro
02:25 – Show Starts: Live from Exit Plan: Special Finance Friday Edition
03:08 – How Casual and Contract Income Affects Borrowing
04:45 – Real Client Scenario: Job Change Within the Same Industry
06:37 – Why Lenders Only Use 80% of Casual Income
08:09 – Contracting vs. Permanent Employment Explained
10:00 – Former Assessor Insights: What Banks Look for in Employment History
13:22 – Top Takeaway: Speak to Your Broker BEFORE Making Job Changes
16:25 – Mental Health, Career Happiness & Long-Term Wealth Success
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