Episode 153: Dodgy Loans, Private Credit and Late-Cycle Signs

<p>Gold Coast broker Joel from Sunshine Finance joins Steve and Jacob to talk about the risks he sees on the lending front line, from property developments to private credit offers promising big returns.</p><p>Joel comes from a construction background and says no before he says yes. He explains why commercial and asset finance rates move differently to home loans, why property development is riskier than it looks, and why any promised return needs a hard look at where it actually comes from. He also covers inflated loan applications, dealer finance where the repayments don&#39;t match the advertised rate, and what brokers without the right accreditations can mean for clients.</p><p>We finish on what it all says about the cycle: rising fuel and living costs, stressed builders, and why cash flow and value matter more when markets get harder.</p><p>Find Joel on Instagram: Joel.sunshinefinancebrokers</p><p>This podcast is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642.</p>