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...

Send us a text In this special edition of TFS WealthCast, Vishi hosts Sonali and Pramu to explore why the TFS Loyalty Program is a true game changer for both the mortgage industry and TFS. They discuss how the program turns your mortgage repayments into memorable experiences and celebrate the natural splendour of Sri Lanka from sun‑kissed beaches to lush tea plantations and a vibrant cultural heritage. Through TFS’s partnership with LOLC Holdings, members gain exclusive cross‑border inv...

Send us a text In this insightful TFS WealthCast episode, host Pramu Rodrigo sits down with financial planner Sonali Rodrigo to demystify Self‑Managed Super Funds (SMSFs). Together they explore what an SMSF is and who can set one up, highlighting key requirements such as membership limits (up to six people), residency rules and the two‑year temporary absence test. Sonali explains why SMSFs are not for everyone and stresses that trustees are responsible for strict compliance with ATO regulatio...

Send us a text Episode 10 – "Bridging the Gap Between Selling & Buying - Decoding Bridging Loans” In this 10th instalment of TFS WealthCast, Vishi and Pramu demystify bridging loans a topic many homeowners find confusing. They explain how a bridging loan provides short‑term finance to “bridge” the timing gap between selling your existing home and purchasing your next one. The loan combines a regular mortgage on the new property with a temporary line of credit for the down payment an...

Send us a text Episode Title: First Home Buyers: Buy Now or Wait? Navigating the New Home Guarantee In this candid instalment of TFS WealthCast, Vishi grills CEO Pramu Rodrigo on the sweeping changes to Australia’s Home Guarantee Scheme (HGS) and how first‑home buyers can navigate a rapidly shifting market. Together they break down the October 2025 overhaul unlimited places and the abolition of income caps and unpack the new purchase price thresholds that better reflect real housing costs: up...

Send us a text Episode description: In this instalment of TFS WealthCast, host Vishi turns the spotlight on Pramu Rodrigo and Sonali Rodrigo to explore one of the biggest dilemmas facing aspiring homeowners: should you rent or should you buy? With humour and hard-earned insights, the couple unpack the latest expansion of the Home Guarantee Scheme now offering unlimited places, no income caps and the ability to enter the market with as little as a 5 % deposit and avoid lenders mortgage i...

Episode 7 – “Leveraging Equity: First Investment Strategies with Melissa from TFS” This week, TFS CEO Pramu Rodrigo sits down with Melissa, a senior broker with two decades of experience in tax and lending, to demystify the path from owning a home to building a property portfolio. Melissa shares her professional journey, from preparing income‑tax returns for clients and advising them on tax‑efficient investment strategies, to purchasing her first home at age 21 under the guidance of a financi...

Episode 6 – “Balancing Instinct and Analysis: Property, Super & Diversification” In this lively and candid conversation, Pramu Rodrigo, CEO of TFS, and Sonali Rodrigo, COO, take listeners inside their own investing debates and decision making. As a seasoned property investor, Pramu stresses that every deal must stack up financially and have strong future potential before he acts. Sonali, with her wealth of financial planning expertise, reinforces the importance of rigorous analysis, risk ...

In Episode 5 of the Investor Types series, Pramu Rodrigo dissects the mindset of the “I Want to Buy Near Me” investor the person who insists on purchasing property in their own suburb, simply because it feels familiar or convenient. Pramu explains why this comfort-driven strategy often leads to missed opportunities. Limiting yourself to a single postcode especially one that may already have peaked means ignoring better yields, tax benefits, and growth prospects elsewhere. While the desire to ...

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 ...

In Episode 4 of the Investor Types series, Pramu Rodrigo examines the “Capital Growth and Rental Yield Focused Investor” the individual who sees property success purely through the lens of price appreciation and cash flow returns. Pramu highlights why this narrow focus, while important, often leaves money on the table. By chasing yield and growth alone, these investors can miss critical wealth levers such as tax benefits, debt structuring, depreciation strategies, and even long-term exit...

In Episode 3 of the Investor Types series, Pramu Rodrigo unpacks the mindset of the “Set & Forget Investor.” These investors research thoroughly, choose their expert carefully, and then step back with full confidence trusting the process rather than micromanaging. Pramu highlights the strengths of this approach logical decision-making, efficiency, and a focus on long-term returns while also pointing out the risks of moving too quickly or assuming strategy is just about speed. Most im...

In Episode 1 of the Investor Types series, Pramu Rodrigo explores the “Do-It-Yourself” investor the type who thrives on research, collects advice, and dives into webinars and PDFs, but stops short of leveraging professional expertise. Pramu reveals how this mindset, while ambitious and curious, can lead to costly mistakes: missed opportunities, poor structuring, and years of lost growth. He explains why relying on data without experience is like watching a karate movie and declaring your...