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Matt Spears - Your Finance Broker

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Bondi Junction, NSW
Matt Spears - Your Finance Broker

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Evoke Capital is a financial brokerage. We offer expert advice for all your lending needs.

27/10/2026

Here's why we're such big fans of property: leverage. It's not liquid like shares, so you're not watching the value bounce around every day. That stability matters a lot once you've got debt sitting on it.

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WATCH THE FULL EPISODE ON YOUTUBE & SPOTIFY

22/10/2026

Same debt, same income, wrong priority.

Paying P&I on an investment loan while your non-deductible home loan sits there is costing you the trifecta: cash flow, tax efficiency, and years off your mortgage.

Structure it as interest-only and redirect the freed-up repayments toward your home debt instead.

21/10/2026

Before you buy that first home, stop and ask: what am I giving up to do this? Jumping in too fast can eat your cash flow and kill any chance of investing elsewhere for years. Sometimes renting a little longer and building a portfolio first just gets you further ahead.

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WATCH THE FULL EPISODE ON YOUTUBE & SPOTIFY

20/10/2026

THE GAME OF FINANCE • WITH ALEX MCMILLAN
Watch the full episode on Youtube & Spotify NOW
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Asset rich, cash flow poor is not a retirement plan, it's a trap. Counting the family home as an investment asset hides the real problem: a mortgage that eats your cash flow for decades and leaves no room to build anything else.

Tax changes make this harder, not easier. With less relief on capital gains, the growth you were counting on shrinks, and the window to build 30 years of retirement income from a 10-year runway gets even tighter.

The real question isn't whether you own a home. It's whether your investment strategy was ever given room to work.

19/10/2026

Since 1980 Australia's population is up almost 88%. But new home completions are up just 29%.

That gap is the whole story on prices, and it is why the supply and demand math still favours property, no matter what the doom headlines say.
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DATA SOURCES:
- ABS Historical Population, 2021
- ABS National, State and Territory Population, December 2025
- ABS Building Activity, Australia, Table 39
- National Housing Supply and Affordability Council, State of the Housing System 2025

15/10/2026

Predicting where a suburb will sit in four years isn't guesswork when you're running 20 years of transactional data across every one of Australia's 15,000 suburbs.

That's the model behind Crystal AI - layering economic, financial and population data down to state, region and suburb level to forecast growth in both value and rent, for houses and units.

The real advantage isn't just knowing where to buy today. It's knowing when the equity in that property will be ready to fund the next one.

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WATCH THE FULL EPISODE ON YOUTUBE & SPOTIFY

13/10/2026

Maroubra used to be the suburb no one wanted. Now you can't buy in under two million.

The money isn't made chasing neighborhoods everyone already loves, it's made spotting the ones that will get there, provided the jobs are there to push wages and demand up with it.

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WATCH THE FULL EPISODE ON YOUTUBE OR SPOTIFY

12/10/2026

Settlement day is a big win, but it's really just the start. 🔑

Here's your post-settlement checklists to protect your home, cut your interest, and make sure your loan keeps up with your life.

12/10/2026

The pay rise hits and suddenly there's a new car, a renovated kitchen, a fancier gym membership.

Meanwhile the person quietly building real wealth is often the one who never let their spending catch up to their income.

Address

Bondi
Bondi Junction, NSW

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61418462196

Website

https://www.evokecapital.com.au/contact-us

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