Wealth Coffee Chats

The $10M Super Trap: New 40% Tax Rates and the Middle East Oil Shock

12 Mar 2026

Contributed by Lukas

In this episode of Wealth Coffee Chats, we dive into two major shifts hitting the Australian financial landscape this week. First, we break down the l...

The Breakup Applicant: How to Handle a Last-Minute Tenant Application

11 Mar 2026

Contributed by Lukas

In this episode of Wealth Coffee Chats, property management expert Cat Schultz breaks down a strangely common phenomenon in the industry: The Breakup ...

ATO Audit Alert 2026: 7 High-Risk Areas for Investors and Family Trusts

10 Mar 2026

Contributed by Lukas

In this episode of Wealth Coffee Chats, Anthony Wolfenden from Positive Tax Solutions provides a critical update following the latest deputy commissio...

The Loyalty Tax: How a 5-Minute Call Saved Me $3,000 in Property Insurance

08 Mar 2026

Contributed by Lukas

In this episode of Wealth Coffee Chats, property investment coach Rosie Basson dives into the "investment muscles" every property owner need...

QLD Break-Lease Laws: What Landlords Need to Know in 2026

04 Mar 2026

Contributed by Lukas

In this episode of Wealth Coffee Chats, Cat Schultz from the Positive Property Management group dives into the critical legislation changes that hit Q...

Claiming Interest on Construction Loans: Maximizing Cash Flow During Your Build

03 Mar 2026

Contributed by Lukas

Are you building an investment property or have you recently completed a project? You might be sitting on a goldmine of tax deductions that many inves...

3 Smart Property Strategies for 2026: Navigating Real-World Lending

02 Mar 2026

Contributed by Lukas

It’s March 2nd, 2026, and as we step into autumn, the property market is throwing more than a few curveballs. In this episode of Wealth Coffee Chats...

How Banks See You Risk-Based Pricing & The Lending Ecosystem Explained

27 Feb 2026

Contributed by Lukas

Why do interest rates change? It isn't just to keep our lives "interesting and stressful." In this Finance Friday edition of Wealth Coff...

RBA Rate Predictions, SA’s New $2M Stamp Duty Rule & Tax Hacks for 2026

26 Feb 2026

Contributed by Lukas

In this episode of Wealth Coffee Chats, Alex dives into a rapid-fire update on the Australian economic landscape and two significant opportunities for...

Tenant Selection Done Right: How to Avoid Costly Mistakes in 2026’s Rental Market

25 Feb 2026

Contributed by Lukas

Today’s conversation dives into a critical — and often underestimated — part of property investing: tenant selection.After 15 years in property ...

Div 296 Explained: The New $3M Super Tax & What You Must Do Before 30 June 2026

24 Feb 2026

Contributed by Lukas

Welcome to Tax Tuesday with Anthony Wolfenden from Positive Tax Solutions.This week, we unpack the latest version of Div 296 — the proposed new supe...

Not Ready to Invest? Understanding the 3 Phases of a Smart Property Journey

23 Feb 2026

Contributed by Lukas

This week, we’re diving into something that doesn’t get talked about enough in property investing: what to do when you’re excited to invest… b...

Rates Are Up - But DTI Rules Are the Bigger Game Changer for Borrowers

20 Feb 2026

Contributed by Lukas

Welcome to this week’s Friday Wealth Coffee Chats with Sarah Shome from the lending and finance team.While most borrowers are focused on the recent ...

ASX Reporting Season Explained Winners, Losers & Market Reactions

19 Feb 2026

Contributed by Lukas

Welcome to this Thursday Financial Planning session, where we break down one of the most important times in the investing calendar — ASX reporting s...

Rents Are Rising in 2026: What Every Landlord Needs to Know Now

18 Feb 2026

Contributed by Lukas

In this week’s Property Management edition of Wealth Coffee Chats, Kat is back with a market update every landlord should be paying attention to.The...

Using Home Equity Without Risking Your Home Smart Structuring Explained

16 Feb 2026

Contributed by Lukas

On this Monday education session of Wealth Coffee Chats, we tackle one of the biggest fears in property investing: “What if I lose my home?”For ma...

Interest-Only vs Principal & Interest: The Strategy That Could Shape Your Portfolio

13 Feb 2026

Contributed by Lukas

Interest-only or principal and interest — which one should you choose, and when does it actually make sense?In this episode of Wealth Coffee Chats, ...

Division 296 Explained: The Super Tax Change That Could Cost You More Than You Think

12 Feb 2026

Contributed by Lukas

On this episode of Wealth Coffee Chats, we break down Division 296 - the proposed superannuation tax reform that could significantly impact high-balan...

The New AML Laws That Will Change How You Invest, Transact, and Build Wealth

10 Feb 2026

Contributed by Lukas

In this Tax Tuesday episode of Wealth Coffee Chats, we unpack one of the most significant-and least talked about-regulatory changes Australia has seen...

Why Education Is the Ultimate Advantage in Property Investing

09 Feb 2026

Contributed by Lukas

In this Monday edition of Wealth Coffee Chats, we dive into one of the most overlooked-but most powerful-tools in property investing: education. Fresh...

Interest rate rises: What does it mean for you?

06 Feb 2026

Contributed by Lukas

It’s been a big week in the finance world, with the Reserve Bank of Australia announcing a 0.25% interest rate rise after two years of stability. In...

AMLCTF Tranche 2! What is that and do I have to worry

05 Feb 2026

Contributed by Lukas

In this episode of Wealth Coffee Chats, we break down the Reserve Bank of Australia’s latest 25 basis point interest rate hike and what’s really d...

Car Tax Deductions What the ATO Will and Won’t Let You Claim

03 Feb 2026

Contributed by Lukas

Car deductions are one of the most overclaimed—and most audited—tax items in Australia, and in this Tax Tuesday Wealth Coffee Chat, Daniel McPhers...

Why Brisbane Looks Unstoppable The Six Forces Shaping Property Wealth in 2026

02 Feb 2026

Contributed by Lukas

What truly drives property markets—and why does one Australian city look almost unstoppable right now? In this Wealth Coffee Chat, we kick off 2026 ...

Fixed vs Variable Rates 2026: Smart Home Loan Strategy

30 Jan 2026

Contributed by Lukas

With the RBA expected to move rates higher, many investors are asking whether fixed rates belong in their property investing strategy. This episode br...

2026 Market Reset: Inflation, Rate Rises, and Your Financial Game Plan for the Year Ahead

29 Jan 2026

Contributed by Lukas

2026 is officially underway, and the financial landscape is already moving fast. In this episode, Alex breaks down what’s happened in the markets si...

Navigating the rental market in 2026 - Don't get left behind!

28 Jan 2026

Contributed by Lukas

What does 2026 really have in store for landlords, tenants, and investors? In this Wealth Coffee Chat, we take a deep dive into the rental market as i...

ATO Audits Explained: What Property Investors Must Prove (and How to Stay Protected)

27 Jan 2026

Contributed by Lukas

ATO audits are no longer random—and property investors are firmly in the spotlight. In this episode, we break down how the ATO uses data-matching te...

From Starting Over to the 1% Club: How Patrick Rebuilt His Wealth Against the Odds

26 Jan 2026

Contributed by Lukas

What would you do if life forced you to start again—with no assets, no margin for error, and no time to waste? In this powerful episode of Wealth Co...

If I Were Starting My Property Portfolio Again, This Is Where I’d Begin

23 Jan 2026

Contributed by Lukas

What if you could rewind the clock and start your property journey again, without the costly mistakes? In this New Year episode of Wealth Coffee Chats...

The Importance of Being Ready and Flexible When it Comes to Property Investing

19 Jan 2026

Contributed by Lukas

In this episode, we explore why readiness is one of the most powerful tools in building wealth through property. Using a real client case study, this ...

Finance Fridays Interest Rates, Inflation & Smart Property Goals for 2026

16 Jan 2026

Contributed by Lukas

Interest rates may not be coming down anytime soon—and that changes how smart investors should approach 2026. In this Finance Friday edition of Wolf...

Why Work With a Property Investment Coach From Trial & Error to Strategic Wealth

12 Jan 2026

Contributed by Lukas

Why do some property investors seem to build wealth faster, safer, and with less stress? In this episode of Wealth Coffee Chats, property investment c...

Hot Cross Buns, Dopamine & The Psychology of Investing

05 Jan 2026

Contributed by Lukas

Why are hot cross buns on supermarket shelves in January? And more importantly, what does that have to do with your property portfolio? In this epis...

Fear and the cost of waiting

15 Dec 2025

Contributed by Lukas

So many people dream of financial freedom, security, and a better future for their family — yet stay stuck waiting for the “right time” to start...

RBA Holds, 2026 Risks & Smart Money Moves for the Holidays

12 Dec 2025

Contributed by Lukas

In the final Wealth Coffee Chat of 2025, mortgage broker Sarah Shome breaks down the RBA’s latest decision to hold interest rates—and why the tone...

2025 Market Recap & What’s Ahead for Aussie Investors in 2026

11 Dec 2025

Contributed by Lukas

In this final Wealth Coffee Chats episode for 2025, we take stock of the year that was—from RBA rate decisions to ATO warnings for self-employed pro...

How to Avoid Tax-Time Chaos: Property Investor Record-Keeping Essentials

09 Dec 2025

Contributed by Lukas

In this Tax Tuesday edition of Wealth Coffee Chats, Kim Wolfenden from Positive Tax Solutions walks property investors through the essential record-ke...

How to Build a $2.9M Property Portfolio in 7 Years

08 Dec 2025

Contributed by Lukas

Is it possible to build a multi-million dollar property portfolio starting with 100% debt? In this episode of Wealth Coffee Chats, Property Coach Me...

Your 2025 Finance Wrap-Up: Property Trends, Rate Cuts & the Rise of Mortgage Brokers

05 Dec 2025

Contributed by Lukas

In this special episode of Wealth Coffee Chats, Sarah from the Positive Money team delivers your 2025 Finance Year in Review — a clear snapshot of h...

What Really Happens When You Work With a Financial Advisor: Inside the Full Process

04 Dec 2025

Contributed by Lukas

In today’s Wealth Coffee Chats Financial Planning Edition, Alex breaks down one of the most common questions investors ask: “What actually happens...

5 Must-Know Tips to Protect Your Investment Property: Landlord Insurance Explained

03 Dec 2025

Contributed by Lukas

In this Property Management Edition of Wealth Coffee Chats, Kash dives into one of the most overlooked—but absolutely essential—parts of being a s...

House & Land Tax Rules Explained: What Property Investors Can (and Can’t) Claim

02 Dec 2025

Contributed by Lukas

In this Tax Edition of Wealth Coffee Chats, Kim Wolfenden breaks down one of the most confusing areas for property investors: what you can claim as ta...

Property Lessons from the World’s Greatest Game: What Monopoly Teaches Us About Real Investing

01 Dec 2025

Contributed by Lukas

In this fun and insightful Wealth Coffee Chats episode, James explores one of the most unexpected—but powerful—teachers of property investing: Mon...

DTI Caps, Trust Lending Shifts & Bank Strategy: Your 2026 Lending Update

28 Nov 2025

Contributed by Lukas

In this episode, Sarah from the Positive Money team unpacks the latest updates in the lending world as banks and lenders outline what to expect headin...

Inflation Heats Up: What 3.8% Means for Rates, Mortgages, and 2026 Planning

27 Nov 2025

Contributed by Lukas

In today’s Wealth Coffee Chats, Alex breaks down the latest inflation numbers released for October—showing a sharp rise to 3.8%, along with a slig...

Rental Affordability Crunch: Signal or Noise for Landlords?

26 Nov 2025

Contributed by Lukas

In this Property Management Wednesday edition of Wealth Coffee Chats, Kasey brings a timely update on the tightening rental market across Australia an...

Div 296 Super Tax Update: What’s Changing, What’s Not, and What It Means for You

25 Nov 2025

Contributed by Lukas

In this Tax Tuesday edition of Wealth Coffee Chats, tax and financial adviser Anthony Warford breaks down the latest updates on the Div 296 Super Tax—...

Why Your Brain Sabotages Investing Decisions: A Deep Dive into Prospect Theory

24 Nov 2025

Contributed by Lukas

In this episode of Wealth Coffee Chats, host Emily Miller breaks down the behavioral psychology that quietly shapes every property investor’s decisi...

Rate Cuts, Christmas Deadlines & How to Get Finance Fast

21 Nov 2025

Contributed by Lukas

In this Finance Friday edition of Wealth Coffee Chats, we dive into the latest interest rate movements, lender behaviour, and what the lead-up to Chri...

Markets Retreat, AI Volatility & The Rise of SMSFs

20 Nov 2025

Contributed by Lukas

In this episode of Wealth Coffee Chats, Alex breaks down a busy week across markets, AI stocks, crypto, and gold. He unpacks Nvidia’s fresh earnings...

The First 100 Days: How Smart Landlords Avoid Stress and Set Their Investment Up for Success

19 Nov 2025

Contributed by Lukas

In this practical and insight-packed Wednesday episode of Wealth Coffee Chats, Cash Shosthen from the Property Management Group breaks down what he ca...

Payday Super Is Coming: What Every Australian Business Must Prepare For Before July 2026

18 Nov 2025

Contributed by Lukas

In this important episode of Wealth Coffee Chats, Daniel McPherson from Positive Tax breaks down the newly passed payday super legislation- a major ch...

Positive Cash Flow vs Capital Growth: Which Property Builds Wealth Faster?

17 Nov 2025

Contributed by Lukas

When it comes to building a long-term property portfolio, one of the biggest questions investors face is whether to buy a positively geared property o...

Master Limits 101: The Smart Debt Structure Every Property Investor Should Understand

14 Nov 2025

Contributed by Lukas

In this episode of Wealth Coffee Chats, guest host Sarah Shome breaks down one of the most powerful — yet often misunderstood — tools used by soph...

Pay Yourself First: The Simple Budgeting Habit That Builds Real Wealth

13 Nov 2025

Contributed by Lukas

In this week’s Financial Planning Thursday on Wealth Coffee Chats, Alex dives into one of the most overlooked yet powerful habits for financial succ...

The $10,000 Mistake Landlords Keep Making: Why Skipping Rent Reviews Costs You Big

12 Nov 2025

Contributed by Lukas

In this Property Management Wednesday edition of Wealth Coffee Chats, Kat Schoster from the Six Star Property Management team breaks down one of the m...

The Hidden CGT Exemption You Probably Don’t Know About: How Your Home Could Be Tax-Free Even After You’re Gone

11 Nov 2025

Contributed by Lukas

In this Tax Time edition of Wealth Coffee Chats, Anthony Wolfenden, Tax Financial Advisor at Positive Tax Solutions, uncovers a little-known capital g...

The $3 Million Difference: How Two Families with the Same Opportunity Ended Up Worlds Apart

09 Nov 2025

Contributed by Lukas

In this inspiring and eye-opening episode of Wealth Coffee Chats, property coach Caroline Bounds shares the true story of two couples who started with...

5 Must-Do Steps Before Bidding at Auction (Plus the Latest RBA & Lending Updates)

07 Nov 2025

Contributed by Lukas

In this Finance Friday episode of Wealth Coffee Chats, We delivers a fast-paced rundown of the latest money news before diving into practical tips for...

RBA Holds Rates: What It Means for Inflation, Housing, and Your Investment Strategy

06 Nov 2025

Contributed by Lukas

In this episode of Wealth Coffee Chats, Alex from the financial planning team breaks down the Reserve Bank of Australia’s latest rate hold announcem...

Which City Is Undervalued? Deep Dive Into Australian Property Market Stats

02 Nov 2025

Contributed by Lukas

In this data-driven episode of Wealth Coffee Chats, we explore the latest ABS statistics and compare house and unit prices across Australia’s capita...

Macquarie Bank Pulls Out of Trust & Company Loans - What It Means for Investors

31 Oct 2025

Contributed by Lukas

In this Friday edition of Wealth Coffee Chats, we dives into two major updates shaking up the lending world. First, the ongoing speculation around int...

Inflation Rises Again: What It Means for Property, Shares & Cash in 2025

30 Oct 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, Alex breaks down the latest inflation update—3.2% headline and 3% trimmed mean—and what it means for your investm...

New Victorian Rental Laws What Every Property Investor Must Know Now

29 Oct 2025

Contributed by Lukas

In this episode of Wealth Coffee Chats, we break down the latest rental reform laws in Victoria and what they mean for property investors. From bannin...

Selling Your Home? This Capital Gains Tax Trap Could Cost You $290K

28 Oct 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, tax expert Anthony Wolfenden unpacks the hidden tax traps around selling your principal place of residence—es...

How This Couple Built $257K in 12 Months on Average Incomes

26 Oct 2025

Contributed by Lukas

In today’s inspiring Wealth Coffee Chat, Bob shares the real story of Dave and Jess—an Aussie couple in their early 30s who transformed their fina...

APRA Just Leveled the Playing Field: What It Means for Your Mortgage Rate

24 Oct 2025

Contributed by Lukas

In this episode of Wealth Coffee Chats, Sarah reveals a quiet yet powerful regulatory shift that could reshape Australia’s mortgage market. APRA is ...

Unlock Your First Home with Just 5%: The Strategy Most First-Time Buyers Miss

23 Oct 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, Alex breaks down a powerful yet underutilised strategy for first home buyers—combining the 5% deposit scheme with t...

Victoria’s New Rental Bond Law: What Landlords Need to Know Right Now

22 Oct 2025

Contributed by Lukas

In this episode of Wealth Coffee Chats, Cass unpacks Victoria’s brand-new Portable Rental Bond Scheme and what it really means for landlords and inv...

How to Slash Your Interest Rate in 15 Minutes: Real Scripts That Work

20 Oct 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, Jared shares the exact scripts and strategies he's used to negotiate better interest rates—saving thousands with ju...

Are You Losing Money? The Offset Account Mistake 57% of Aussies Are Making

17 Oct 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, we unpack a costly oversight affecting more than half of Australian mortgage holders—offset accounts not properly l...

Rent Arrears Alarm: 4 Ways Smart Investors Stay Ahead of Late Payments

15 Oct 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, Cass breaks down how smart investors and proactive property managers deal with rent arrears before they become major ...

Australia’s Wealth Tax on Superannuation: What’s Changing & Why It Matters

13 Oct 2025

Contributed by Lukas

The proposed Wealth Tax on Superannuation has been revised—and it could have major implications for your long-term wealth planning. In this episode ...

Should You Live in Your Home or Rent It Out? The Numbers Might Surprise You

13 Oct 2025

Contributed by Lukas

Would you be better off renting your own home? In today’s Wealth Coffee Chat, property coach Karen dives into a powerful real-life example of how re...

Unlocking Borrowing Power in 2025: LMI Waivers, 95% Loans & Serviceability Secrets

10 Oct 2025

Contributed by Lukas

Want to buy a property faster—even without a full deposit? In this special Finance Friday edition of Wealth Coffee Chats, Cang is joined by Senior B...

Are We in a Market Bubble? Bitcoin, Gold & Property at Record Highs Explained

09 Oct 2025

Contributed by Lukas

In today’s episode, Alex dives deep into the question on everyone’s mind — are we in a market bubble? With Bitcoin, gold, and global equities hi...

How This Landlord Lost $100K+ in Property Value (And How You Can Avoid It)

08 Oct 2025

Contributed by Lukas

Want to destroy your property value? Here's how to do it… In today's Wealth Coffee Chat, property management expert Cass lifts the lid on a real-lif...

Real Client Stories: 4 Powerful Property Lessons from Everyday Investors

05 Oct 2025

Contributed by Lukas

What can you learn from real property investors just like you? In this episode of Wealth Coffee Chats, Fadi from the coaching team shares four powerfu...

New 5% Deposit Scheme Explained: How to Get Into Property Sooner

03 Oct 2025

Contributed by Lukas

In this Finance Friday edition of Wealth Coffee Chats, we unpack the newly renamed Australian Government 5% Deposit Scheme and how it can help first h...

Rates on Hold: What the Latest RBA Data Tells Property Investors

02 Oct 2025

Contributed by Lukas

In this Finance Thursday episode of Wealth Coffee Chats, Alex takes you through the RBA’s latest interest rate decision and explains what it means f...

3 Must-Do Tasks Before Renting Out Your New Investment Property

01 Oct 2025

Contributed by Lukas

Settling on a brand new investment property in the next 30–60 days? Don’t hand it over to tenants just yet. In this Property Management Wednesday ...

How to Outperform the Property Market (Using These Micro Metrics)

28 Sep 2025

Contributed by Lukas

Want to beat the market—not just ride it? In this episode of Wealth Coffee Chats, James Venton dives into the micro metrics that can give savvy inve...

100% Home Loans Are Back: A Game-Changer or a Risky Move?

26 Sep 2025

Contributed by Lukas

Yes, you heard right—100% (and even 105%) home loans are making a comeback. In today’s Finance Friday episode of Wealth Coffee Chats, we break dow...

Your Super Returns Aren’t Just “Good” or “Bad”—Here’s What Actually Matters

25 Sep 2025

Contributed by Lukas

“My super did well this year!” But did it really? In today’s Financial Planning Thursday, Alex breaks down one of the most misunderstood areas i...

How One Landlord Lost $5.5K Chasing Cheap Property Management Fees

24 Sep 2025

Contributed by Lukas

Think choosing the cheapest property manager is a smart move? Think again. In this eye-opening Wealth Coffee Chat, Cass Charleston shares a real story...

GST and Property: The Hidden Costs That Could Kill Your Deal

23 Sep 2025

Contributed by Lukas

GST isn't just a business owner's problem—if you're developing, subdividing, or buying commercial property, it could hit your bottom line hard. In t...

From Debt to Property Investor: How This Couple Turned It All Around in 8 Months

22 Sep 2025

Contributed by Lukas

Meet “Jane and John,” a real couple in their 40s who were drowning in credit card debt, stuck in financial stress, and fearful of investing—unti...

Why Your Borrowing Power Hasn’t Increased (Even After Rate Cuts)

19 Sep 2025

Contributed by Lukas

Interest rates have dropped—but your borrowing power hasn’t budged? In this Finance Friday edition of Wealth Coffee Chats, we unpack why. The answ...

Which Super Fund Is Right for You? SMSF vs Retail vs Industry Explained

18 Sep 2025

Contributed by Lukas

Not all super funds are created equal. In today’s Wealth Coffee Chat, we break down the major types of superannuation structures—Industry, Retail,...

The Hidden Cost of ‘Free Marketing’: What Landlords Must Know Before Leasing

17 Sep 2025

Contributed by Lukas

"Free marketing" might sound like a sweet deal from your property manager—but is it actually costing you thousands? In today’s Wealth Coffee Chat,...

The Psychology of Property: Why Happiness Fades After Buying Real Estate

15 Sep 2025

Contributed by Lukas

Ever felt the buzz of buying a property, only to crash a few months later? You're not alone—and it’s not a property problem, it’s psychology. In...

Low Deposit Lending Hacks: How to Compete with First Home Buyers in 2025

11 Sep 2025

Contributed by Lukas

With major changes to first home buyer rules coming into effect from October 1, investor competition is heating up in the $900K–$1M market. In today...

Should You Approve Tenants With Pets? Property Managers Weigh In

10 Sep 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, we unpack a hot topic in property management—should landlords approve tenants with pets? You’ll learn the key leg...

Main Residence Exemption: Are You Risking a Six-Figure Tax Bill?

09 Sep 2025

Contributed by Lukas

In today’s Wealth Coffee Chat, Daniel MacPherson dives deep into the main residence exemption—one of the most powerful yet misunderstood tax break...

You can't out save the speed of the market

08 Sep 2025

Contributed by Lukas

What is the cost of sitting on your hands "Waiting for the right time"

The Long Game: Why Persistence Pays in Lending

04 Sep 2025

Contributed by Lukas

Vacate Day Disasters: How Smart Investors Protect Their Property and Cash Flow

03 Sep 2025

Contributed by Lukas

What happens when your tenant vacates and leaves behind unpaid rent, property damage, and a big mess? In today’s Wealth Coffee Chat, Cass shares a r...

From Fear to First Investment: How This Couple Transformed Their Financial Future

01 Sep 2025

Contributed by Lukas

In this inspiring Wealth Coffee Chat, we share a powerful client success story about a couple who overcame fear of debt and got serious about building...

Massive Changes to First Home Buyer Scheme: What You Need to Know Before October

28 Aug 2025

Contributed by Lukas

Big news for first home buyers! In this Friday Finance edition of Wealth Coffee Chats, we break down the major changes to the 5% Deposit Scheme—effe...