Welcome to Sugar Mama's Fireplay

The Long Game Mortgage Broker Rebrand

The Risks of Borrowing Through a Trust

The Mechanics of Trust Borrowing

The Dangers of Over-Extension

Ethical Considerations for Brokers

The Changing Landscape of Trust Lending

Navigating the Risks of Trust Borrowing

Alternative Strategies for Wealth Creation

Closing Thoughts and Contact Information

The Mortgage Borrowing Trap That Could Leave You Stuck

Property investors are constantly looking for ways to grow their portfolios, improve borrowing capacity and structure their investments more effectively.

But what happens when a strategy designed to help you borrow more ends up leaving you with more debt than you can comfortably manage — and fewer lenders willing to refinance you?

In this special episode of SugarMamma’s Fireplay, I sit down with mortgage broker Adam McCabe from Long Game Financial to unpack a lending strategy he has been increasingly concerned about.

It involves purchasing and borrowing through separate trust structures — an approach that, depending on the structure and lender assessment, may affect how existing debts are treated when applying for further finance.

On paper, this can potentially allow an investor to continue expanding their property portfolio.

But Adam explains why this can become problematic when the structure starts driving the borrowing decision rather than the borrower’s genuine ability to comfortably service and manage the debt.

And there is another important risk: lending policies can change.

As lenders reassess these structures and their exposure to them, some may tighten their policies or stop offering particular types of finance altogether. That can potentially leave borrowers with a much smaller pool of lenders available when they eventually need to refinance, restructure or obtain their next loan.

Should you wish to speak with Adam, you can contact him directly on 0423 685 133 or Adam.McCabe@bluelantern.com.au 

In this episode, Adam explains:


How borrowing through individual trusts can work


Why some investors have been encouraged to use this strategy


How it may increase apparent borrowing capacity


Why borrowing capacity and affordability are two very different things


The danger of accumulating more debt than your household can realistically support


Why lender policy changes matter


How a shrinking pool of lenders can affect your ability to refinance


The importance of considering your exit strategy before taking out the loan


Why good mortgage advice should consider your long-term financial position — not simply how much money you can borrow today

The key takeaway

Just because a lending structure may allow you to borrow more doesn't necessarily mean you should.

Debt needs to work within your broader financial life — your income, cash flow, buffers, goals and ability to withstand changing interest rates and circumstances.

And when you're considering a more complicated lending or ownership structure, make sure you understand not only how you get into it, but how you eventually get out of it.

Because the best loan isn't necessarily the one that allows you to borrow the most.

It's the one that still works for you when life — and lending policies — change.

Important: Trust structures can have significant lending, legal and taxation implications. This episode is general information only and isn't personal financial, credit, legal or tax advice. Seek appropriately qualified professional advice before establishing a trust or entering into a lending arrangement.

💡 If you want my help with your Budget or Money Mindset

Want more support on your financial journey? Here’s how we can work together:
The SugarMamma Budget & Cashflow Academy
Sick of living paycheque to paycheque or feeling overwhelmed by your money?
This course includes aone-on-one appointment with me so I can personally help you.
👉 Enrol here
Money Mindset & Manifestation Mentorship
Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books, including our new one:
Twelve Months To Financial Freedom: https://link.amazon/B0hPdGjCm
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
Substack Quiet Wealth: https://substack.com/@sugarmammaquietwealth
Keynote speaking book via canna@sugarmamma.tv
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.

📜 Financial Planning License Details

The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.

Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

 

The Mortgage Borrowing Trap That Could Leave You Stuck
Property investors are constantly looking for ways to grow their portfolios, improve borrowing capacity and structure their investments more effectively.
But what happens when a strategy designed to help you borrow more ends up leaving you with more debt than you can comfortably manage &mdash; and fewer lenders willing to refinance you?
In this special episode of SugarMamma&rsquo;s Fireplay, I sit down with mortgage broker Adam McCabe from Long Game Financial&nbsp;to unpack a lending strategy he has been increasingly concerned about.
It involves purchasing and borrowing through separate trust structures &mdash; an approach that, depending on the structure and lender assessment, may affect how existing debts are treated when applying for further finance.
On paper, this can potentially allow an investor to continue expanding their property portfolio.
But Adam explains why this can become problematic when the structure starts driving the borrowing decision rather than the borrower&rsquo;s genuine ability to comfortably service and manage the debt.
And there is another important risk: lending policies can change.
As lenders reassess these structures and their exposure to them, some may tighten their policies or stop offering particular types of finance altogether. That can potentially leave borrowers with a much smaller pool of lenders available when they eventually need to refinance, restructure or obtain their next loan.
Should you wish to speak with Adam, you can contact him directly on 0423 685 133 or <a href="mailto:Adam.McCabe@bluelantern.com.au">Adam.McCabe@bluelantern.com.au</a>&nbsp;
In this episode, Adam explains:
<ul>
<li>
How borrowing through individual trusts can work
</li>
<li>
Why some investors have been encouraged to use this strategy
</li>
<li>
How it may increase apparent borrowing capacity
</li>
<li>
Why borrowing capacity and affordability are two very different things
</li>
<li>
The danger of accumulating more debt than your household can realistically support
</li>
<li>
Why lender policy changes matter
</li>
<li>
How a shrinking pool of lenders can affect your ability to refinance
</li>
<li>
The importance of considering your exit strategy before taking out the loan
</li>
<li>
Why good mortgage advice should consider your long-term financial position &mdash; not simply how much money you can borrow today
</li>
</ul>
The key takeaway
Just because a lending structure may allow you to borrow more doesn't necessarily mean you should.
Debt needs to work within your broader financial life &mdash; your income, cash flow, buffers, goals and ability to withstand changing interest rates and circumstances.
And when you're considering a more complicated lending or ownership structure, make sure you understand not only how you get into it, but how you eventually get out of it.
Because the best loan isn't necessarily the one that allows you to borrow the most.
It's the one that still works for you when life &mdash; and lending policies &mdash; change.
Important: Trust structures can have significant lending, legal and taxation implications. This episode is general information only and isn't personal financial, credit, legal or tax advice. Seek appropriately qualified professional advice before establishing a trust or entering into a lending arrangement.
💡 If you want my help with your Budget or Money Mindset
Want more support on your financial journey? Here&rsquo;s how we can work together:
<ol>
<li><a href="https://courses.sugarmamma.tv/Signup">The SugarMamma Budget &amp; Cashflow Academy</a> Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me&nbsp;so I can personally help you. 👉&nbsp;<a href="https://courses.sugarmamma.tv/Signup">Enrol here</a></li>
</ol>
<ol>
<li><a href="https://www.sugarmamma.tv/online-courses/">Money Mindset &amp; Manifestation Mentorship</a> Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. <a href="https://www.sugarmamma.tv/online-courses/">Get started here</a>.</li>
</ol>
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books, including our new one:
<ul>
<li> Twelve Months To Financial Freedom: <a href="https://link.amazon/B0hPdGjCm">https://link.amazon/B0hPdGjCm</a></li>
<li>Best Seller:<a href="https://amzn.to/3RV0Bnq">The $1000 Project</a></li>
<li>**Mindful Money](<a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>)</li>
<li>Motivated Money by Peter Thornhill(a huge inspiration for me):&nbsp;<a href="https://amzn.to/40rn2Vr">Read it here</a></li>
</ul>
(These are Amazon affiliate links to my own books.)
🌟 Stay Connected &amp; Inspired
<ul>
<li>Instagram:<a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a>&nbsp;&mdash; money, budgeting, cashflow &amp; motivation</li>
<li>Instagram:<a href="https://www.instagram.com/cannacampbellofficial">@CannaCampbellofficial</a>&nbsp;&mdash; lifestyle, capsule wardrobe fashion, motherhood</li>
<li>Substack Quiet Wealth: <a href="https://substack.com/@sugarmammaquietwealth">https://substack.com/@sugarmammaquietwealth</a></li>
<li>Keynote speaking book via canna@sugarmamma.tv</li>
<li>TikTok:<a href="https://www.tiktok.com/@sugarmammatv">@SugarMammaTV</a></li>
<li>YouTube:<a href="https://www.youtube.com/c/SugarMamma">SugarMammaTV</a>&nbsp;&mdash; over 500 bite-sized videos with more than 12 million views!</li>
<li>Website:<a href="http://www.sugarmammatv.com/">SugarMammaTV.com</a></li>
<li>Don&rsquo;t forget my other podcast:How Do They Afford That?&nbsp;👉&nbsp;<a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">Listen here</a></li>
</ul>
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is&nbsp;general information only&nbsp;&mdash; never personal, product, or investment advice. Always:
<ul>
<li>Do your own research.</li>
<li>Weigh up the pros, cons, fees, caps, taxes, and risks.</li>
<li>Seek professional advice before making financial decisions.</li>
</ul>
📜 Financial Planning License Details
The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.
Canna Campbell is an&nbsp;Authorised Representative and Financial Adviser&nbsp;of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).
&nbsp;

Having been a Financial Planner for over 15 years, I have seen first hand how money problems can breed stress. Often, people make wrong money decisions because the world of finance can be intimidating and confusing. This podcast cuts through the jargon and provides practical, accessible financial education and empowerment - so you can build sustainable wealth and help achieve financial freedom. You will also hear real-life success stories from people who have transformed their finances and be empowered by valuable advice from industry experts. So join me for the start of a bold and brilliant financial future and growing community. For immediate access to all my content follow @SugarMammaTV@CannaCampbellofficial xCC

SugarMamma’s Fireplay

The Dangerous Mortgage Borrowing Strategy That Could Leave You Stuck & Exposed

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f8f949d3-8754-450b-b2cf-b4af003afb6b/transcript