Matt Spears - Your Finance Broker

Matt Spears - Your Finance Broker Evoke Capital is a financial brokerage. We offer expert advice for all your lending needs.

08/09/2026

Small business CGT concessions get talked about like free money, but for a lot of smaller profits, the calculation work alone can run into thousands of dollars in fees, before you even find out if you're eligible.

Some tax agents don't fully know how to apply them either, because the rules are genuinely complicated. So you end up paying to find out you can't use it.

Compare that to the old flat CGT discount. People liked it because it saved them money, sure, but mostly because they could work it out themselves.

And that's the real test for good tax policy. Not just whether it helps you on paper, but whether an ordinary person can figure out where they stand without paying someone else first.

07/09/2026

Most property plans stop at strategy and structure. Strategy is what you buy and what you do with it. Structure is whose name it sits in, personal, company, trust, or SMSF. The piece that quietly wrecks portfolios is sequencing, the order you approach lenders in.

Apply for a non-bank pre-approval before you release equity through a major bank, and you can prejudice your own access to that cash. The structure was right, the strategy was sound, but the order broke it.

A plan only holds together when all three move as one sequence, not three separate decisions made at different times.

05/09/2026

Negative gearing on shares only holds up if the ATO can see a real link between the loan and the income it's meant to produce.

That means borrowing against your home to buy shares can work in your favour when those shares are actually generating dividends or some return over time. That income is what justifies the interest deduction in the first place. Without it, there's nothing connecting the expense to an income-producing purpose, and that's exactly what the ATO looks for.

Every situation is different, and the outcome usually depends on what the investment has actually returned.

04/09/2026

Bank valuations on the same property can swing 30 to 40% depending on the lender.

Ordering at least 5 valuations from banks whose policies suit how you earn your income is what can turn one property into the deposit for three more.

___
WATCH THE FULL EPISODE ON YOUTUBE & SPOTIFY

03/09/2026

One and two bedroom units in Melbourne are getting attention right now, and it's worth understanding why before you assume they're a shortcut to the same result as a house.

Units can work well as an entry point when your budget doesn't stretch to a house in a good area yet. The cashflow tends to be strong, and there's often room for solid equity growth in the short term.

What they don't typically offer is the same long-term capital growth story houses can deliver over ten or twenty years, mainly because there's less land underpinning the asset.

The middle ground worth knowing about is a block of units. You get the land component, the cashflow, and more control over the asset, which is a different proposition to a single unit in a large complex.

The strategy isn't right or wrong on its own. It depends on whether you're solving for entry, cashflow, or long-term growth at this stage of your portfolio.

02/09/2026

Structuring decisions rarely stop at companies, trusts, and SMSFs. There's another layer business owners overlook: whose name things actually sit in.

Your spouse's name might be the lower risk option, and lenders will often still assess borrowing capacity using the higher-earning spouse's income, even if the asset sits in the other person's name.

Worth a proper conversation with your adviser before you assume the obvious name is the right one.

01/09/2026

Most investors spend their energy watching things they can't move.

What actually shapes your outcome sits closer to home. Your loan structure. The order you purchase in. Your cash flow position. The team advising you when things get unclear.

These are the levers that stay in your hands no matter what the market does next. Sequencing your purchases, structuring your debt, and building the right team around you are decisions you make regardless of the cycle.

When the market feels uncertain, that's exactly when your own position needs to be clear.

31/08/2026

Waiting for the market to grow your property for you is a slower plan than it used to be. Rates are higher, holding costs are heavier, and patience alone doesn't cover a $2,000 monthly shortfall across a portfolio.

This is why manufacturing equity has become a bigger part of the conversation. Instead of relying purely on organic growth, you actively create it: a cosmetic renovation, a structural upgrade, a second dwelling, a small subdivision. Each one is a lever you control rather than a market condition you wait on.

The shift changes what you look for in a property. You're not just assessing location and long-term growth potential, you're assessing what value can be added and how quickly that value improves your cashflow position. A property that can be improved is a property that can start paying for itself sooner.

Buy and hold still works. It just rewards a more active investor now, one who thinks about what they can build into an asset, not only what the market might eventually give it.

29/08/2026

If your investment stays negative geared without significant upside, it’s worth asking what you’re really gaining. Tax perks shouldn’t be the main reason you invest.

Focus on assets that have the potential to grow and multiply in value. That’s how you create lasting financial progress, beyond just the short-term numbers.
----
WATCH THE FULL EPISODE ON YOUTUBE & SPOTIFY

27/08/2026

DROPPING MONDAY 31ST AUGUST • 10AM

The property market has flipped on it's head and we're here to talk about it.

Darren Venter from The Investors Agency joins the Game of Finance to unpack why some investors are chasing the bottom of the market while others got caught paying top dollar and now sit in negative equity.

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

Alerts

Be the first to know and let us send you an email when Matt Spears - Your Finance Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category