inDebt : Recent Episodes
Ulrika Lobo
inDebt with Ulrika Lobo dives into all things business, economics, and private debt. If you're looking for critical insights and current news, look no further. We have it all. You won't want to miss the unbelievable deals, the surprising indicators, and the ever changing Australian economy. Join Ulrika Lobo from Sparrow Loans to hear more!
For private lenders looking to close an urgent deal, valuations can be a bottleneck. You need to find a valuer with the right insurance, the right experience, and who charges a competitive rate. That's where Propti comes in. Propti is a Swiss Army Knife for property reports and valuations. It uses its comparison and relationship superpowers to find you the best price and ensure you get the reports you need, when you need them. On this episode of inDebt with Ulrika Lobo I talk to Jake Isman, the founder and director of Propti, to understand more about this innovative new business. Lenders and brokers, you won't want to miss this.
The property market is rebounding but interest rates are at record highs. Computer says no. On this week's episode of inDebt with Ulrika Lobo I bring together my home grown consumer panic index, the RBA's pricing model, and my insights on who is qualifying for loans to understand where house prices are going and why.
With soaring interest rates and low consumer sentiment, we need new product development more than ever in private lending. Private lenders can only drive credit growth if they transform their approach to finance through new loan products and structures. By putting borrowers first and designing products that add value and make commercial sense, lenders can win new business and forge a new way forward in finance. My 5 Rs and 3 Ds of product development will give lenders the foundations for innovating loan options. Listen to this episode for our framework on product development in private lending.
While a good broker can get you approved for finance, a great broker can nail the exit. Having a great exit strategy in mind before you enter into a loan agreement can save your client money, energy, and time. You don't want your clients sitting on a mountain of debt that they can't climb 6 months into the facility. Listen to our sanity saving guide to loan exits for all the insights you need.
The government's $15 billion National Reconstruction Fund (NRF) is one of Australia's largest peacetime commitments ever. It is a game changer, hoping to turn our country into an innovation and production powerhouse. With broad industry support and an open government war chest there is incredible potential for investors and developers alike. But which industries should investors focus on and how can they make the NRF work for them? Listen on to find out.
On this week's episode of inDebt we chat with insolvency expert Luke Whiffen from Hilton Bradley Lawyers about serving DOCA's and Statutory demands. Luke brings a wealth of experience and knowledge into our chat as we uncover all of the hidden gems in insolvency. From unfair preference claims to judicial shortcuts, there is something for everyone.
SDA and affordable housing are hot topics in development right now, but what do they mean for brokers? We unpack the lucrative development incentives on offer and give you the tools to stay one step ahead of your clients.With yields of up to 16% for the right project, it is something your clients will want to hear about.
Knowing which suburb will be the next property hotspot is a superpower. Luckily, thanks to a recent UNSW model, we are one step closer to predicting the next boom areas. I unpack the surprising results and give you the inside scoop on which suburbs will be the next to gentrify and surge in values. Brokers looking to target areas or redirect their marketing - this one is for you.
What is a valuation worth?
We take you through the top five strategies that valuers use to appraise your property. Listen to find out if valuers are more like clairvoyants without the crystal ball, or bona fide property experts.
With a property market in flux and valuations more crucial than ever in loan approvals, you won't want to miss this. Listen to inDebt with Ulrika Lobo - new episodes every week.
The RBA has hiked the cash rate for a record 10th time in a row. It has Australian households in its sights and is out for blood. But are interest rate rises really the best way forward?
We discuss how interest rate rises might not be the best tool to use, but are the only one the RBA has access to. It has a limited arsenal.
With that in mind we look at the alternatives and weigh in on how they would affect Aussie families and the economy at large. Temporary tax, mandatory savings and corporate crackdowns are all on the table. You'll find that interest rate rises are pushing households under water while businesses use them as a floatie.
Interest rates are not the holy grail of lending.
A lender that promises low rates might not actually be able to deliver - it could be financial gaslighting to boost their lead generation. We look into the real factors driving borrower success: transparency, fast settlements, and flexibility. You'll come to learn that a lender's true strength can never be distilled into a single number.
If you're enjoying InDebt so far, please leave us a like and follow for more content every week!
Record high inflation, rising interest rates, and falling real wages have created the perfect storm of conditions for lenders in 2023. The threats are real and they're dialling up the pressure on a vulnerable economy.
But it isn't all doom and gloom.
On this week's episode of InDebt with Ulrika Lobo we give you an inside look into lending in 2023. We look at how the rise of institutional investors and the retreat of the banks are creating enormous growth opportunities for private lenders. This is an episode you will not want to miss.
Have you ever wondered what it takes to be a broker?
Ulrika Lobo is joined by Allcap Finance's Lincoln Frost to talk all things brokering! Nothing is off the table. They go through the supersized deals, the tight turnarounds, and the juggling act of working in finance with a family. You will see that brokering is about more than settling deals - it is about guiding borrowers on their journeys.
Brokers keep the gears turning and put the power into borrowers' hands. Listen to this week's episode for all our exclusive tips and tricks to make your funding work for you.
It is the question on everyone's lips, when will the rate rises stop?
The RBA has lifted the cash rate to fresh heights of 3.35% and is showing no sign of stopping. Mortgage holders and investors are feeling the repayment crunch and the economy has slowed dramatically. But there is more at play here than meets the eye. People are spending less and inflation is expected to fall this year. So why are more rate rises predicted on the horizon?
Tune in to this week's episode to find out why the RBA will keep lifting rates and the factors that need to budge to make it stop.
This is not a drill. Australia is in the midst of a potato shortage.
Failing supply chains and soaring demand have created the perfect storm of conditions. Potato growers can't supply enough, meaning we might have to miss out on the golden puffy carb in Maccas fries, mashed potatoes, and fish and chips. This is a tale of two worlds. Tune in to see how economics and environment can butt heads.
There is a potato sized hole in my heart and I don't know if I'll be able to plug it. Make sure to subscribe if you're enjoying the podcast!
Queensland has been crowned Australia's growth superstar. With its world class commodities sector, booming tourism industry, and active investment space, it has all the superstar parts.
It was only a matter of time until it came into its stride. But why are we only just turning our eyes to the sunshine state?
Listen to find out more about the curious case of the Queensland economy.
Property prices have plummeted since the RBA began lifting interest rates in May. Have we finally been dealt the nail in the coffin for the property market?
Hardly.
Australian property is as resilient and sturdy as ever, with safeguards in place to protect people's equity and wealth for generations to come. Find out how negative gearing, quantitative easing, migration, and government policy help soften the fall and keep property stable in a downturn.
We aren't in a freefall. The property market is about to deploy its parachute and ease safely to the ground.
What does it take to cut through with a business loan application and meet your lender's criteria? It is not as tough as you'd think. Join Ulrika Lobo on this week's episode of inDebt to get a lender's insight on all things business loans. Fast track your road to approval and learn the ropes of business loans today.
Have you been looking for the podcast that does it all? Punchy, current, and straight to the point? Well look no further. Listen to InDebt season 2 to hear a private lending spin on all things Australian finance, business, debt and economics. Tune in every week for spicy new content.
2022 has been a definitive turning point for the world economy, shifting us from a decade of stability and low rates to a volatile new arena. But it's not all doom and gloom. Tune in as we explore how to navigate this new normal and ace 2023.
Supply chain collapses and surging unit costs have put Christmas on the brink. 70 million kids stand to miss out if something doesn't budge and Santa is running out of time. Can he pull off the impossible and save Christmas?
Land registry and property law can be a confusing space at the best of times, but caveats are one of the most misunderstood parts. Join us this week on InDebt with Ulrika Lobo as we dive into caveats and explore what it means to be served one.
If you've been in the market for medium to high-value finance, you will certainly have come across a broker. They write almost $95 billion in home loans and have a staggering 70% market share of all loans written. In this week's episode we dive into brokers and their role in shaping the future of private lending.
With over 70,000 Australian businesses and directors on notice from the ATO for outstanding tax debt, it pays to know your options. Join Ulrika Lobo with guest Adam Preiner as we dive into the world of refinancing and restructuring to explore refinancing and restructuring.
The BNPL space has come under fire recently for its 'predatory' and unaffordable practices. But is it the wild west of the payments world? BNPL has offered us a new and innovative way to consume, profoundly changing our relationship with credit and debt. Join us as we explore how any BNPL regulation needs to be targeted and sensitive to the industry. We do not want to crush the consumer benefits of cheap and accessible credit; young people and the vulnerable could see more financial barriers when they need it most.
The crypto market is often called the Wild West of finance, with billions made and lost overnight. Overnight Sam Bankman-Fried's $40 billion FTX exchange imploded, evaporating the wealth of over 1 million customers. In this episode we look at the culprit of this crypto contagion: the dark triad of personality traits. We look at how decentralisation - the very selling point of cryptocurrency - is actually its greatest weakness.
The Reserve Bank's aggressive rate rises have drained the economy of stimulus, savings, and satisfaction. They have been increasing at breakneck speed and delivered a series of painful financial blows. It begs the question, when will the rate rises end? Join us this week to find out more.
With the annual CPI movement at 7.3%, all of Australia has its eyes on the inflation dragon. But when so many policy and budgeting decisions are based off the CPI, it is more important than ever to understand it. So how is the CPI calculated and is it an accurate cost of living measure?
It is budget time and the bells of fiscal austerity are chiming again. But what does it mean to rack up debt when you can print your own money? Join us for a deep dive into the 2022-23 budget and our thoughts on fiscal restraint.
An 1881 case was recently cited in a 2022 private lending trial, which raises the question, how can precedents set 150 years ago fit in with today's laws? Join us as we consider the power of sale and what it means for borrowers and lenders alike. The law is not so black and white; clauses and conditions matter more than ever.
Valuers keep the gears of our financial system in motion. Their judgments determine your borrowing power, council rates, and land tax. But how do they actually appraise property and what do they do about specialised assets?
We've all heard the phrase - 'it's not personal, it's just business.' Yet for relationship-based businesses, like those in financial services, the strength of your client relationships significantly alter your success. Join us as we unpack what it takes to manage expectations and keep customers satisfied.
If you've ever thought a bag of Doritos was more air than chips, you aren't alone.... Food manufacturers are reducing serving sizes without changing costs to manage rising inflation. We explore this sneaky phenomenon, known as 'shrinkflation,' in this week's episode.
Australia's rental ceiling has reached new heights, with our capital cities experiencing cost surges not seen in over a decade. This is a decisive moment for investors. An opportunity of epic proportions lies ahead, as landlords stand to reap the benefits of a market-wide supply crunch.
Australia's energy crisis is creating headaches for businesses already battered by supply chain blockages and rising costs. We look at strategies businesses should consider to manage price shocks and how this might impact private lending. Is this just a phase? Or is this something we'll be dealing with long term? Listen in to hear our insights, free of charge...
With interest rates rising at the fastest rate in 3 decades and the cash rate at a 7 year high, you'd expect the economy to respond by reducing their spending. This hasn't happened. It is business' bloated profits rather than high cost of inputs or excessive demand which is forcing inflation upwards. The RBA can't control this; aggressive rate rises will do more damage than good.
Join Ulrika Lobo on Ready Set Debt this week as we explore the three capstones of the Australian economy! With international pressures mounting and a sluggish economy dragging on growth, the truth about our 'lucky country' has been laid bare. It wasn't 'luck' which propelled our economic growth, but the swing of international markets. The behaviour of our banks, credit hungry households, and our plentiful natural resources have been the real drivers.
Ulrika Lobo brings tax and insolvency expert Adam Preiner onto the podcast to talk about the debt mammoth that is the ATO. Will it start ramping up insolvencies? How did job-keeper impact their work? Who is our second biggest creditor that's largely flown under the radar? Listen now to find out!
The RBA is locked in a game of chess with the Australian economy. Both players are fighting aggressively to protect their kings, with the RBA focused on inflation and the economy protecting growth. Who will stalemate the other? How will their fight affect you? Listen to find out.