Discussing all things finance lending related in Australia. Specifically aimed at the 3rd Party Lending (broker) space. Mortgages, business, asset, development funding and a myriad of other associated topics will be discussed....over a coffee.
Finance & Coffee Talk with Dien
Claim This Podcastby Finance and Coffee
75 episodes
Updated Bi-weekly
Accepts GuestsHas SponsorsLocation 🇦🇺
14
Podcast Authority
BetaPoorBased on show quality, social media presence, reviews, charts, and more
Quality28
Social0
YouTube0
Engagement0
Podcast Overview
Discussing all things finance lending related in Australia. Specifically aimed at the 3rd Party Lending (broker) space. Mortgages, business, asset, development funding and a myriad of other associated topics will be discussed....over a coffee.
Language
🇺🇲
Publishing Since
1/22/2020
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14
Podcast Authority
BetaPoorBased on show quality, social media presence, reviews, charts, and more
Quality28
Social0
YouTube0
Engagement0
6
Excellent Areas
1
Good Performance
12
Growth Opportunities
excellent
Episode Length
42 minutes
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good
iTunes Tags
6.5/10
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needs improvement
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Every 28 days
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Recent Episodes
November 26, 2025
The Blue Sheep and Beyond: Unpacking AMP Bank's New Digital Platform
<p>In this episode, we sit down with <strong>Travis Hall</strong> and <strong>Melissa Christie</strong> from <strong>AMP Bank</strong> to discuss the bank's recent "reinvigoration" and significant digital transformation.</p><p>Melissa details the launch of AMP Bank's new digital platform, which focuses on providing a transformed service proposition to mortgage brokers. The platform validates and verifies key credit data upfront, aiming for greater efficiency. Despite some issues due to unexpected high volume, brokers are adopting the new system. Melissa emphased the importance of utilising <strong>digital income verification</strong> via Equifax or OCR payslip scanning for a smoother a quicker process.</p><p>The team also announced future plans, including the launch of <strong>90-second documents</strong> for quicker settlements! </p><p><br></p><p><strong>Key Policy Niches for Brokers:</strong></p><ul><li><p><strong>Self-Employed Policy:</strong> A True <strong>12-month policy</strong> (only requiring one year's tax returns) up to 90% LVR.</p></li><li><p><strong>Master Limit:</strong> A flexible line of credit designed for those planning for retirement and retirees.</p></li></ul><ul><li><strong>10-Year Interest Only:</strong> A 10 year interest only product that does not require a further assessment at the five year mark.</li></ul><p>Do you long to differentiate your business? Then you need to hear about AMP Bank's platform, and more importantly, their mascot: <strong>Sparky the Blue Sheep</strong>! Yes, that's right. While other banks might be handing out boring ballpoint pens, AMP is helping you stand out from the crowd with a fluffy, azure icon that represents doing things differently (and probably guarantees you the best lender merch at your next PD day).</p><p>Tune in to find out how a reinvigorated AMP Bank is achieving game-changing success with their new digital platform, and discover if the secret to your business efficiency is actually just embracing the spirit of the Blue Sheep.</p><p>Warning: Listening to this podcast may cause a spontaneous desire to try the funner Blue Bank!</p><p>Grab your finest mug and a comfy chair, because it's time for a finance chat that's anything but black and white!<br></p><p><br></p><p><br></p>
October 5, 2025
Rate Money's Growth, Specialisation, and Franchise Opportunities
<p>Finance and Coffee sat down with Ryan Gair, CEO from <a href="https://ratemoney.com.au/own-a-franchise?utm_source=Klaviyo&utm_medium=email&_kx=SA6Y4l-IwXlquQkZmhYNxWpk193sf2o2bqbbWN5n-4LnH6FesRFzGuQgH95xG6MY.Wu6LDd" target="_blank" rel="noopener noreferer">Rate Money</a>, discussing the lender's rapid growth and unique business model since its founding in 2019.</p><p>Rate Money has experienced exponential growth, escalating from approximately 15 franchises to 41 across the Eastern seaboard (Queensland, New South Wales, and Victoria). Their current goal is to reach 55 "high-performing" franchisees, with expansion planned for South Australia and other key locations. The company reports over <strong>$11 billion in total settlements</strong> since inception, with $9.7 billion settled on their own product, and $4.3 billion of funds under management.</p><p>The core of Rate Money's strategy is specialisation. They exclusively focus on <strong>AltDoc (Low Doc) and self-employed lending</strong>, differentiating themselves from competitors who offer a wider, less specialised product range. This niche focus helps streamline their marketing, messaging, and target clientele.</p><p>Rate Money operates as a mortgage manager, allowing them to offer bespoke products not available through third-party channels. Key examples include:</p><ul><li><p><strong>Alt Doc Loans for self-employed Australians</strong></p></li><li><p><strong>Construction Low Doc Product:</strong> They were one of the first to market with this highly sought-after product.</p></li><li><p><strong>One-Year Tax Return Product:</strong> Designed to compete with major lenders while catering specifically to the self-employed customer.</p></li><li><p><strong>Customer-Centric Fees:</strong> Their prime Low Doc products typically feature <strong>no application fee, no valuation fee, and no risk fee</strong>, providing a streamlined and predictable process for the customer.</p></li></ul><p>Significant Growth and FocusExclusive Products and Unique Value</p><p>📢 Immediate Opportunity: <a href="https://ratemoney.com.au/own-a-franchise?utm_source=Klaviyo&utm_medium=email&_kx=SA6Y4l-IwXlquQkZmhYNxWpk193sf2o2bqbbWN5n-4LnH6FesRFzGuQgH95xG6MY.Wu6LDd" target="_blank" rel="noopener noreferer">Rate Money</a> is Actively Seeking Brokers</p><p>A major takeaway from the interview is Rate Money's current recruitment drive. They are looking for <strong>experienced brokers (typically 2-5 years in the industry)</strong> who are ready to take the next step and grow their business into a high-performing franchise.</p><p>Rate Money Head Office is positioned purely to support its franchisees, offering comprehensive assistance in:</p><ul><li><p><strong>Infrastructure:</strong> Setting up the necessary systems and processes.</p></li><li><p><strong>Compliance:</strong> Providing full training and support to ensure all deals are processed correctly.</p></li><li><p><strong>Team Building:</strong> Assistance in building out sales and credit/admin support teams.</p></li><li><p><strong>Business Development:</strong> Extensive sales, marketing, and local area marketing training, including access to B2C leads from an upcoming major media push.</p></li></ul><p>The company views its relationship with franchisees as a true business partnership, providing the tools and products needed for brokers to stand out and build a sustainable business within the profitable AltDoc space. They even noted that several brokers who previously referred business to Rate Money have converted to become successful franchisees themselves.</p>
August 26, 2025
Unpacking LMI
<p>In this episode we <strong>Unpack LMI</strong>, the podcast that helps you navigate the world of Lenders Mortgage Insurance and its power to help your clients enter the property market sooner with a smaller deposit.</p><p>Today, we dive into an industry-shaping campaign from <a href="https://helia.com.au/" target="_blank" rel="noopener noreferer">Helia</a>. For the first time on the show, you'll hear from the minds behind this innovative marketing campaign.</p><p>We'll speak with <a href="https://www.linkedin.com/in/strachantaylor/" target="_blank" rel="noopener noreferer">Strachan</a> and <a href="https://www.linkedin.com/in/dimibartolillo/" target="_blank" rel="noopener noreferer">Dimi</a> about the evolution from "LMI Lets Me In" to "LMI Lets Me Invest”. We'll explore how they've shifted the conversation around LMI from a cost to a powerful tool for achieving home ownership and building equity. </p><p><br></p><p>You'll also hear from <a href="https://www.linkedin.com/in/tram-h-nguyen/" target="_blank" rel="noopener noreferer">Tram</a>, a broker featured in the national campaign about how it's changed their client conversations, the real-world stories behind the campaign's success, and how you can use LMI to help your clients stop renting and start investing for their future.</p><p><br></p><p>Helia’s helpful resources:</p><p>- <a href="https://www.helia.com.au/the-hub/calculators-estimators/home-deposit-estimator" target="_blank" rel="noopener noreferer"><strong>Home Deposit Estimator</strong></a>: insights into the potential deposit gap pathways available</p><p>- <a href="https://www.helia.com.au/letsmeinvest" target="_blank" rel="noopener noreferer"><strong>LMI Lets Me Invest</strong></a>: help your clients enter the property market sooner and get ahead</p><p>- <a href="https://helia.com.au/tools-resources/articles-blogs" target="_blank" rel="noopener noreferer"><strong>Investor case studies</strong></a>: LMI success stories.</p>
75 total episodes available
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- What is Finance & Coffee Talk with Dien?
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This podcast updates bi-weekly.
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This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
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