Owen Rask

speaker

43,804 appearances 137 recordings 3 series first heard Jun 2020 last heard yesterday

Owen Rask’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 48 in all, peaking in Jun 2026 with 13.

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Australian Finance Podcast · Young people and property - is it possible? · 24 Sep 2026 podcast

And that's the kind of trade-off that people make. voice-verified

Just to double click on this really quickly. voice-verified

It's not just like the headline rate. voice-verified

So some people will say, Well, I've got a six point five percent mortgage. voice-verified

I'm gonna compare that to some ETF or the stock market of Australia, which might return voice-verified

Six point five percent. voice-verified

Therefore it is breakeven. voice-verified

That's not how it works. voice-verified

It's not the purpose of it. voice-verified

Um the purpose is that um the six point five percent rate that you might pay on your mortgage, when you've got it as just equity in your home, your primary place of residence, it's not um tax efficient in any way. voice-verified

By turning voice-verified

it instead to an investment uh loan, which you need to speak to your accountant and mortgage broker about. voice-verified

By turning it into an investment loan, the interest could potentially be tax deductible if voice-verified

The thing that you're investing in, you also get taxed on, which is the investment for income and those types of things, which may or may not be, say, an ETF that pays distributions and earns income or a diversified portfolio that creates income that is taxed. voice-verified

And then what you're effectively doing is you're comparing voice-verified

The cost of capital, which is the the the loan that's linked to the property. voice-verified

after tax terms and you're comparing that against the after tax return from the investment portfolio as well. voice-verified

So it's not always as straightforward as, you know, one meets one, there's the other. voice-verified

But the interesting thing that I always come up against is voice-verified

People say things like interest rates high therefore using debt bad, interest rates low, therefore using debt not effective. voice-verified

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