The Bank of Mum and Dad: Risks, Strategies, and Legal Traps

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Meet Colin Lewis: The financial strategist every Australian family needs to hear from

What happens when love, legacy, and property collide? In this episode, I sit down with Colin Lewis, one of the most respected financial commentators in Australia, for a conversation that every parent, aspiring homeowner, and self-employed business owner needs to hear.

Colin is known for cutting through the noise, and today, he unpacks the real implications of the "Bank of Mum and Dad," co-ownership with children, and the often-overlooked risks of guarantees and gifts. But this chat goes beyond just money, it’s about relationships, responsibilities, and the blind spots we don’t know we have.

We talk about strategic financial advice, asset protection, navigating Centrelink rules, and how to build a financial future without sacrificing your family dynamic.

Whether you're helping your kids buy their first home or planning your own retirement, this episode will change how you think about wealth, planning, and what it means to truly support the next generation.

Key Moments:

00:00 Who is Colin Lewis

03:30 The rise of the Bank of Mum and Dad

06:29 What can go wrong with guarantor loans

12:01 Strategic advice vs cookie-cutter solutions

16:07 Superannuation traps an

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

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https://www.linkedin.com/in/aaronchristiedavid/

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