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The Structuring Podcast

Terryw

A podcast about the legal, taxation and lending aspects of structuring - how you own assets, how those assets are funded and the transactions associated with this. Your host, Terry Waugh, aka Terryw, is a solicitor, Chartered Tax Adviser, mortgage broker and former financial planner. Terry runs a law firm and a mortgage broking company. www.structuring.com.au

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  • 26 episodes
  • fortnightly
  • Avg 6 min
  • English

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Episodes 26

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  • January 26 · 5 min

    169. Should I Use a Trust to Hold Shares?

    Fan Mail - Send us a Text Message Terry Waugh is a solicitor, mortgage broker and tax adviser. Today’s topic is should I use a trust to hold shares? — If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions. Support the show www.structuring.com.au

  • January 12 · 6 min

    168. Should I Use a Trust to Buy Property?

    Fan Mail - Send us a Text Message Terry Waugh is a solicitor, mortgage broker and tax adviser. Today’s topic is should I be using a trust to buy property? — If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions. Our Brokers: Loan Structuring Pty Ltd We recommend listeners use our mortgage brokers who are Loan Structuring Pty Ltd Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show www.structuring.com.au

  • Dec 29, 2025 · 5 min

    167. Ownership, Borrowings and Deductibility of Interest

    Fan Mail - Send us a Text Message Terry Waugh is a solicitor, mortgage broker and tax adviser. Today I’m talking about ownership, borrowings and deductibility of interest. — If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions. Support the show www.structuring.com.au

  • Dec 15, 2025 · 3 min

    166. Moving Into an Investment Property vs Moving Out of a Main Residence

    Fan Mail - Send us a Text Message Terry Waugh is a solicitor, mortgage broker and tax adviser. Today’s topic is moving into an investment property compared to moving out of a main residence. — If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions. Support the show www.structuring.com.au

  • Dec 1, 2025 · 36 min

    165. Debt Recycling, Super Strategies & Smart Structures - with Nick Block from ID Advice

    Fan Mail - Send us a Text Message Terry Waugh is a solicitor, mortgage broker and tax adviser. -- In this episode we welcome special guest Nick Block, founder and financial advisor at ID Advice, one of Australia’s very few hourly-only advice firms. Nick breaks down the mechanics and myths of debt recycling, explores tax-efficient investment choices, and uncovers the pitfalls of trust structures, pooled super funds, and investment bonds. Whether you're building wealth, planning for your children’s financial future, or curious about superannuation strategies, this episode is packed with practical, no-fluff insights you can apply immediately. In this episode we discuss: 00:38 – About Nick Block and ID Advice 01:26 – What debt recycling is and how it works 02:27 – Choosing between high-yield and low-yield ETFs 03:59 – Interest-only vs principal-and-interest loans 04:45 – When an investment becomes positively geared 05:27 – Harvesting capital gains as part of a recycling strategy 06:36 – The tax implications that must be considered 07:08 – Using superannuation alongside debt recycling 08:14 – Why trusts often don’t work for debt recycling 09:18 – Issues with pooled super funds and capital gains 12:10 – When an SMSF is appropriate 13:46 – Property inside super 15:48 – A strategy for dollar-cost-averaging debt recycling 21:43 – Investing for children and avoiding minor-tax traps 28:12 – Investment bonds and their real tax treatment 34:29 – Bucket companies and retained earnings -- If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions. Support the show www.structuring.com.au

  • Nov 17, 2025 · 7 min

    164. Interest Only Loans

    Fan Mail - Send us a Text Message Terry Waugh is a solicitor, mortgage broker and tax adviser. Today’s topic is interest only loans. — If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions. Support the show www.structuring.com.au

Showing 21–26 of 26 episodes