Send us a text In this listener-driven episode of TFS WealthCast, Pramu and financial planner Sonali unpack a scenario many homeowners face: a $750k mortgage on an $850k home (an LVR of about 85%) and a sudden $250k windfall. They start by explaining how loan‑to‑value ratio (LVR) affects your borrowing costs and why dropping below 80 % can remove Lenders Mortgage Insurance and unlock better rates. They also discuss exceptions such as LMI waivers for certain professionals like doctors, a...
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Send us a text In this listener-driven episode of TFS WealthCast, Pramu and financial planner Sonali unpack a scenario many homeowners face: a $750k mortgage on an $850k home (an LVR of about 85%) and a sudden $250k windfall. They start by explaining how loan‑to‑value ratio (LVR) affects your borrowing costs and why dropping below 80 % can remove Lenders Mortgage Insurance and unlock better rates. They also discuss exceptions such as LMI waivers for certain professionals like doctors, a...
In Episode 2, Pramu Rodrigo unpacks the “Champagne Taste on a Beer Budget” investor the dreamer who wants it all: the perfect block, the modern home, the prime suburb… all without adjusting to their actual borrowing capacity. Pramu explains why this unrealistic mindset often keeps investors on the sidelines, missing out on real opportunities that could have already generated tens of thousands in equity. The danger? Letting expectation override execution. But there’s a way forward. Pramu ...
TFS WealthCast
Send us a text In this listener-driven episode of TFS WealthCast, Pramu and financial planner Sonali unpack a scenario many homeowners face: a $750k mortgage on an $850k home (an LVR of about 85%) and a sudden $250k windfall. They start by explaining how loan‑to‑value ratio (LVR) affects your borrowing costs and why dropping below 80 % can remove Lenders Mortgage Insurance and unlock better rates. They also discuss exceptions such as LMI waivers for certain professionals like doctors, a...
