The broker’s perspective, unfiltered.
There’s a lot of noise out there and let’s be honest, in the last few years, the goal posts have moved.
The property market and lending landscape have become so complex that relying on financial advice from reels is no longer a viable option.
At Grow and Co Finance, we believe finance shouldn't be complicated. This podcast is our way of giving you direct access to our expertise and the tools you need to build your own financial power.
While our core focus is mortgage broking, we know that property doesn't exist in a vacuum. To give you a truly holistic approach to your wealth, we’ll be hosting special guests with specialised knowledge from every corner of the industry, from tax superstars and accounting legends to financial service pros.
We trade broker speak for the unfiltered truth.
By prioritising relationships and doing the heavy lifting, we clear the path for you to claim your seat at the table.
Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent professional lending or taxation advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
How to Become a Mortgage Broker in Australia: Tips, Clawbacks & Career Pathways
Thinking about a career in mortgage broking but not sure where to start, or if it's even the right move for you? Don't stress! Today we're pulling back the curtain on what it actually takes to make it as a mortgage broker in Australia.
We're lucky to be joined this week by two powerhouses with very different vantage points: Anne-Marie Deieso, Associate Director at Loan Market for VIC/TAS with over 15 years of industry experience, and Lot Gonzalez, Senior Mortgage Broker at Grow & Co Finance, who walked the exact path you might be considering and built a thriving broking career over the last five years.
In this episode, we unpack:Breaking Into Broking: The real and suggested pathways into the industry, from Cert IV qualifications to landing your first mentor, plus tips on how to get started.What It Actually Takes: What really matters, what to focus on early in your career, and the personality traits that may help you thrive as a mortgage broker day to day.Clawback Reality Check: What a clawback actually is, why it exists, the pitfalls to watch for, and the honest truths nobody tells you before you start.Whether you want the big picture strategy from a director or the hands on reality from an active broker, this episode has both sides covered.
If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.
Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
14 Sept 2026
The Property Landscape in Australia is shifting... here is your new map.
Government policy shifts, tax restructuring, and auction rule changes have fundamentally shifted the way Australians buy property. Staying on top of these changes is essential if you want to avoid expensive oversights, and we are handing you the updated roadmap to guide your journey.
In this episode, we unpack:
Unfiltered Budget Reactions and Strategy Pivots: Unpacking the federal budget changes, how tax shakeups affect borrowing capacities, and why clients are pivoting their buying strategies.
Negative Gearing, CGT, and Off the Plan Risks: The shift in tax benefits toward new builds, whether rushing into off the plan developments is a smart move or a trap, and potential supply droughts in established housing.
Auction Rules and Trust Structures: How mandatory pre auction reserve price disclosures affect buyers and vendors, and how high net worth investors are restructuring their trusts.
We firmly believe that with persistence, proper structure, and the right advocates in your corner, almost any buying roadblock can be navigated. In this episode, Preet Samra, founder and senior mortgage broker at Grow & Co Finance, is joined by special guest and expert buyer's agent Cate Bakos to lay out exactly why.
If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.
Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
31 Aug 2026
The Buyer's Blindspots: What to Know Before You Buy Your Home
While we all love hunting for our dream home on realestate.com.au, the Australian property market has a habit of throwing curveballs and hiding costly traps right beneath the surface. Falling into emotional traps or relying on basic online calculators is every buyer's worst nightmare, but we’re here to arm you with what to watch out for so you can stay one step ahead.
In this episode, we unpack:The Reality of Buyer Blindspots: The biggest mistakes home buyers make before consulting a broker, why online bank calculators fail, and how structural red flags, off the plan risks, and hidden zoning compromises turn cheap properties into financial liabilities.
The Value of a Buyer's Advocate: How professional advocates save you months of weekends, unlock off market networks, handle high stress negotiations, and shield you from expensive property mistakes.
We firmly believe that with persistence, proper structure, and the right advocates in your corner, almost any buying roadblock can be navigated. In this episode, Preet Samra, founder and senior mortgage broker at Grow + Co Finance, is joined by special guest and expert buyer's advocate Cate Bakos to lay out exactly why.
If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.
Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
17 Aug 2026
Behind Closed Doors: How We Reverse Engineer Bank Denials
Having a home loan application declined, especially when you have a strong income and a clean credit score, can feel like hitting an invisible brick wall. But an automated algorithm's refusal rarely tells the full story, and a "no" from a computer screen doesn't have to be the end of your property journey.
In this episode, we unpack:
The Hidden Servicing Killers: Why high incomes and solid credit scores can still trigger automated red flags, why major lenders struggle with complex income streams, and the subtle bank statement transactions that quiet-assassinate your borrowing power.
Reverse Engineering Bank Denials: How we strip back lender serviceability calculators to find where the numbers went wrong, rewrite the narrative of an application without altering a single financial fact, and force a human review when the algorithm says no.
Escalation Tactics: How we pitch complex deals directly to State Managers for policy exceptions, plus a real life case study where a client went from a Big Four rejection to a full loan approval somewhere else in under a week.
We firmly believe that with strategic presentation, proper structure, and the right advocate in your corner, almost any bank denial can be reverse engineered. In this episode, Preet Samra and Lot Gonzalez, senior mortgage brokers at Grow + Co Finance, are pulling back the curtain to show you exactly how.
If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.
Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
3 Aug 2026
Less than 8 Hours to Settlement: The Banks Said No. The Lawyers Said No. We Found a Way.
While we all love a smooth settlement, the Australian property market has a habit of throwing curveballs right when you think you're in the clear. Panicking at the eleventh hour is every buyer's worst nightmare, but we’re here to arm you with what to watch out for so you can stay one step ahead.In this episode, we unpack:The Reality of Settlement Delays: Common reasons deals can go sideways at the eleventh hour, real life client stories, and how we set you up for approval right from the start.Practical Steps When Things Go Wrong: Step by step guidance on handling settlement crises, featuring real case studies of unexpected hurdles and how they were resolved.Alternative Lending Channels: How non bank lenders, second tier institutions, and private funds can step in to save the day when the major banks pull out.We firmly believe that with persistence, proper structure, and the right advocate in your corner, almost any lending roadblock can be navigated. In this episode, Preet Samra and Lot Gonzalez, senior mortgage brokers at Grow + Co Finance, are laying out exactly why. If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
6 Jul 2026
Suddenly Single: The Financial Survival Guide.
No one teaches you what to do when you’re suddenly single.When the unexpected happens and your Plan A completely falls through, navigating the next steps can feel overwhelming.This week, financial advisor John Hicks joins us again to share his best, most compassionate advice for anyone navigating a separation or divorce.We tackle the common panic mistakes, the first three things you should do right now, and how to reframe this chapter for your own well-being.In this episode, we unpack:The Reality Check: The current divorce stats in Australia and why you’re far from alone.Ditching the Shame: John’s essential tips on self forgiveness and being kind to yourself as you rebuild.Redefining Retirement: How to pivot and successfully navigate your long term future.The Reframe: Moving past the misconceptions of where you should be and finding silver linings.Thank you for tuning into this episode. Please remember to reach out to professional services if you require extra personal support during this time.If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
22 Jun 2026
Adult Pocket Money, AI Advice & Starting Over from Zero with John Hicks
Everyone has a financial plan, whether it’s conscious or unconscious.This week, we sit down with financial advisor John Hicks for an empathy packed conversation about what should actually be driving our money habits.In this episode, we unpack:
Doomspending vs. The FIRE Movement: Why John validates both sides of the spectrum but why true financial balance, hyperpersonalised advice, and core goal setting must come first.
High Cost of Living or Overconsumption? What John really thinks is driving our current financial strain.
Adult Pocket Money: One budgeting system John uses to keep his own spending in check (that you can easily steal).
AI for Financial Advice: How AI can actually be a powerful resource for your money…as long as you back it up with your own critical thinking.
Ready for a judgment free money chat?Get comfy and press play to step into John's safe space.If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. Before relying on this information, you should seek independent advice appropriate to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
8 Jun 2026
The $500/Month Raise: Finding extra cash in your mortgage.
In this economy, how do you find an extra $500 a month without picking up a second job or a side hustle? We’re tired of hearing that advice, too. Instead, let's look at what you can do with what you already have, starting TODAY.This episode is all about the power of refinancing. Joined once again by the Grow + Co Finance property duo, Preet Samra and Lot Gonzalez, we’re breaking down how a simple mortgage shake up can put cash back in your pocket.In this episode, we unpack:Refinancing 101: What it actually means and how the process works.The Good & The Bad: The pros, the cons, and the hidden traps to watch out for.Unlocking Equity: How to use refinancing to draw equity out of your property for your next move.Remember, a great broker is in your corner to save you money every single month. If you have questions about your own mortgage, slide into our Instagram DMs, we’re here to help!If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent professional lending or taxation advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
25 May 2026
Investing in Property Isn't Dead: Better Ways to Win in Australia
While we’re all a bit sick of hearing about it, the recent Federal Budget has undeniably thrown a few spanners in the works for property investors.
Many younger Aussies are frustrated, worried that the major changes to Negative Gearing have ruined their chance of entering the market. But we’re here to tell you: that is absolutely not the case.
In this episode, we unpack:
The Reality of First Home Ownership: What the latest stats actually say about buying in Australia right now.
Rentvesting: Why this strategy has become the ultimate saving grace for the younger generation.
Debt Recycling: What it is, how to do it, and whether it’s the right move for your risk tolerance.
We firmly believe property is still an incredible vehicle for building wealth and securing your future. In this episode, Preet Samra and Lot Gonzalez, senior mortgage brokers at Grow & Co Finance, are laying out exactly why.If you enjoyed the discussion, please consider leaving a five star review and sharing the episode with a friend. As a small business, your word of mouth support helps us grow.
Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent professional lending or taxation advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
11 May 2026
The Broker’s unfiltered verdict on the 2026 Property Market
Cutting through the noise of the 2026 property market.
With three rate rises already under our belts this year and economists predicting more, the Australian property market feels tougher than ever. Between the rising cost of living and the housing gap, we know young Aussies are feeling the squeeze.
In our debut episode, our team of experienced brokers sit down for an unfiltered chat about what it actually takes to buy your first home right now.
In the episode, we tackle:
- How you can leverage your salary, savings and situation to buy your first home
- The blueprint to navigating first home owner initiatives and mapping out your next steps
-
We wrap things up with a round of REDDIT OR BINNIT, separating the real world facts from the wildest property myths on Reddit.
Join us in tackling the 2026 market together, one unfiltered conversation at a time.
Disclaimer: This podcast provides an overview or summary only and it should not be considered a comprehensive statement on any matter. You should before acting in reliance upon this information seek independent professional lending or taxation advice as appropriate specific to your objectives, financial circumstances or needs. We are not in any way responsible for nor provides any warranty express or implied as to its accuracy or relevance.
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
Spotify
5.0 / 5
4 ratings
Contact Finance Unfiltered
Guest appearances
Books guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Host of Finance Unfiltered?
Claim your podcast to manage its listing and keep your show details accurate.
Pod Engine is an independent podcast discovery and analytics service and is not affiliated with or endorsed by this podcast. Artwork and show content belong to their owners. Full legal notice.
Explore this show Podcast research with Pod Engine
