In this episode of Talk Money To Me, Felicity Thomas sits down with Emma Stephens from Artemis Finance to unpack what is really happening in the Australian property and lending market in 2026.

From housing affordability and interest rates to wealth creation, financial empowerment and lending challenges, this conversation dives into the real financial pressures Australians are facing right now and the practical strategies helping people move forward with confidence.

Emma shares her insights from working directly with families, business owners, first home buyers and women navigating separation, lending pressures and long-term financial security in a high cost-of-living environment.

In this episode we discuss:

• The reality of the Australian property market in 2026
• Whether the “Australian Dream” is still achievable
• Housing affordability and cost-of-living pressures
• Property investing and investor sentiment following the May 2026 Budget
• Women, wealth creation and financial empowerment
• Lending challenges for single-income households and first home buyers
• Fixed vs variable rates in today’s market
• The habits financially successful people consistently have
• Practical tips for young Australians wanting to enter the property market
• Financial confidence, strategy and long-term wealth creation

Emma Stephens is a mortgage broker at Artemis Finance, specialising in residential and business lending, refinancing, property strategy and helping clients create long-term wealth through smart lending solutions. Emma is a proud Noosa local, former Bank Manager for Noosa and Tewantin, and passionate advocate for women building financial independence through education, connection and smarter money conversations.

If you enjoyed today’s conversation or would like assistance with lending, refinancing, property strategy or wealth creation, reach out to Emma Stephens and let her know you heard her on Talk Money To Me.

Emma Stephens Artemis Finance

📧 emma@artemisfinance.com.au

🌐 https://artemisfinance.com.au/

📍 Sydney & Noosa, Australia

Artemis Finance specialises in:

• Home loans
• Investment lending
• Refinancing
• Lending for self-employed borrowers
• Property strategy
• Wealth creation strategies
• Women’s financial empowerment

Follow Talk Money To Me for weekly conversations covering:

• Investing
• Property
• Wealth creation
• Markets & macro trends
• Financial literacy
• Business
• Women & money
• Portfolio strategy

Disclaimer

This podcast is presented by Felicity Thomas and Candice Bourke of Shaw and Partners Limited ABN 24 003 221 583, AFSL 236048.

The information discussed in this podcast is general information only and does not take into account your personal objectives, financial situation or needs. Before making any financial decision, you should consider the appropriateness of the information having regard to your own objectives, financial situation and needs, and seek independent financial, legal and taxation advice.

Any views, opinions or forecasts expressed are those of the speakers at the time of recording and are subject to change without notice. References to property, lending, investments or financial strategies are for educational and informational purposes only and do not constitute personal financial advice, lending advice or recommendations.

Past performance is not a reliable indicator of future performance. All investments and financial strategies carry risk.

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Felicity Thomas and Candice Bourke sit down with Armina Rosenberg, Co-Founder of Minotaur Capital, for a fascinating deep dive into the next wave of AI investing opportunities, global equity themes and the market trends sophisticated investors are watching closely right now.

The conversation explores why Minotaur Capital believes the biggest opportunities in AI may now sit beyond Nvidia particularly across AI infrastructure, memory semiconductors, power networks and the “picks and shovels” powering the AI revolution.

Armina shares:

• Why SK Hynix is Minotaur’s highest conviction global stock idea
• Why the memory super cycle could still be in its early stages
• Whether Nvidia is still attractive at current valuations
• Why Minotaur remains short Tesla
• The risks around overcrowded AI trades and hyperscaler spending
• Opportunities in defence, energy transition and AI infrastructure
• How Minotaur uses proprietary AI tools internally to analyse markets faster than traditional fund managers
• The growing disconnect between market headlines and underlying fundamentals
• What could trigger a meaningful AI-fuelled correction in markets

The discussion also unpacks some incredible real-world examples of how AI is already changing investing, including Minotaur’s internally developed AI research system Taurient, which helps the team analyse global companies, reporting seasons and thematic opportunities at extraordinary speed and scale.

Armina also explains why memory semiconductors particularly HBM memory may become one of the most important and profitable areas of the global technology ecosystem over the coming years, driven by explosive demand from AI models, hyperscalers and data centres.

If you’re interested in AI investing, Nvidia, semiconductors, SK Hynix, Tesla, global equities, thematic investing or the future of financial markets this episode is packed with institutional grade insights and investment ideas.

📩 If you would like to learn more about the fund using AI and proprietary technology to identify opportunities across global equities, you can learn more directly www.minotaurcapital.com

Or feel free to contact the teams directly:

📧 Minotaur Capital: invest@minotaurcapital.com

📧 Candice Bourke & Felicity Thomas: cftgroup@shawandpartners.com.au or info@cftgroup.com.au

⚠️ Disclaimer

This podcast is intended for educational and informational purposes only and does not constitute personal financial advice, investment advice or a recommendation to buy or sell any financial product or security. Any views, opinions or market commentary expressed are those of the speakers at the time of recording and may change without notice.

The information discussed is general in nature and has been prepared without taking into account your personal objectives, financial situation or needs. Before making any investment decision, you should consider the appropriateness of the information having regard to your own circumstances and seek independent financial, legal and tax advice where appropriate.

Past performance is not a reliable indicator of future performance. All investments involve risks, including the risk of loss of capital. References to specific companies, sectors or investment themes are provided for illustrative and educational purposes only and should not be relied upon as investment recommendations.

Felicity Thomas and Candice Bourke are Authorised Representatives of Shaw and Partners Pty Ltd ABN 24 003 221 583, AFSL No. 236048.

Minotaur Capital Global Opportunities Fund is currently only available to wholesale and sophisticated investors.

Hosted on Acast. See acast.com/privacy for more information.