Shows
The Mortgage ChatWhat can you buy in Sydney for $1.1 million in 2024—and is it worth it?What can you buy in Sydney for $1.1 million in 2024—and is it worth it?In this episode of The Mortgage Chat, I’m breaking down exactly what I bought, where I bought it, why I bought it, and how I ran the numbers before committing.I'm Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s leading mortgage broker firms. We help Aussies buy smarter, invest wisely, and pay down debt faster.🏠 In this episode, you'll learn:✅ What kind of property I purchased for $1.1M✅ How I crunched th...2025-07-0613 minThe Mortgage ChatShould You Wait for a Rate Cut Before Buying a Home in Australia?Should you wait for interest rates to drop before buying property?In this episode of The Mortgage Chat, I’m breaking down a question many Aussies are asking right now—“Should I wait for a rate cut before buying my first home or investing in property?”I’m Tony Xia, the Founder and Director of The Mortgage Agency—one of Sydney’s top mortgage broker firms.With rising interest rates and the RBA’s next moves still uncertain, it’s important to know what waiting might really cost you. I’ll walk you through how...2025-06-2911 minThe Mortgage ChatFirst Home Guarantee Just Changed! What You Need to Know (2025)Do the new changes to the First Home Guarantee mean it’s easier to buy property in 2025?I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s leading mortgage broker firms.In this episode of The Mortgage Chat, I explain the proposed updates to the First Home Guarantee, and how they might help (or hurt) first-time buyers in Australia. From joint purchases with friends or family, to key risks you should watch for—this is a must-watch if you’re entering the property market.Here’s what you’ll learn...2025-06-0110 minThe Mortgage ChatHow to Pay Off Debt Faster Using Your Home Loan | Debt Consolidation AustraliaHow to Pay Off Debt Faster Using Your Home Loan | Debt Consolidation AustraliaCan you really use your home equity to pay off your debts?In this episode of The Mortgage Chat, I’ll walk you through a real-life example showing how to consolidate personal debts into your mortgage using your property's usable equity.I’m Tony Xia, the Founder and Director of The Mortgage Agency — one of Sydney’s top mortgage broker firms. We help Australians make smart decisions about property, finance, and debt management.In this video, you'll learn:✅ What usabl...2025-05-1806 minThe Mortgage ChatHow to Pay Off your Mortgage Faster | Tips from a Mortgage BrokerCan you actually pay off your home loan years earlier—and save thousands in interest?I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms. In this episode of The Mortgage Chat, I’ll break down clear and actionable strategies that can help you pay off your home loan faster in 2025 and beyond.🏡 What’s debt recycling and how does it work?💰 How can you use your income better to crush that mortgage?📈 Are you using offset accounts the right way?We’ll simplify all...2025-05-0406 minThe Mortgage ChatCan I Get a Home Loan with HECS Debt in Australia? | Pay Off Home Loan FasterCan I get a home loan even if I still have a HECS debt? 🤔I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms.In this episode of The Mortgage Chat, we’ll break down how second and third tier lenders can help Aussies with HECS debt or limited borrowing capacity to still get into the property market.You’ll learn:✅ How 2nd & 3rd tier lenders differ from big banks✅ How HECS debt impacts your borrowing power✅ Real benefits of using smaller...2025-04-2013 minThe Mortgage ChatHow To Buy Real Estate In Your Super - SMSF | Investment Property in Your Self Managed Super FundHow To Buy Real Estate In Your Super - SMSF? Can you use your super to invest in property? 🤔❓ Thinking about using an SMSF to buy property? Wondering how it works, the risks, and if it’s the right move for you?I’m Tony Xia, the Founder and Director of The Mortgage Agency—one of Sydney’s top mortgage broker firms.In this episode of The Mortgage Chat, we break down everything you need to know about Self-Managed Super Funds (SMSFs) and property investment. You’ll also hear a real case study on how one of o...2025-04-0611 minThe Mortgage ChatFastest Way to Save For A House Deposit - Tips for First Home BuyerWhat's the Fastest Way to Save For A House Deposit?I’m Tony Xia, Founder and Director of The Mortgage Agency – one of Sydney’s leading mortgage broker firms.🏡 In this video, you'll learn:✅ How long it takes to save for a house deposit✅ Ways to boost your savings while managing daily expenses✅ The impact of income increases on borrowing power✅ How lenders assess savings and financial readiness✅ Smart strategies to buy sooner without financial stressNeed expert guidance? Contact The Mortgage Agency today for a free consultation...2025-03-2312 minThe Mortgage ChatWhy High Income Earners Should Build WealthAre you a FIFO worker or miner looking to build wealth through property investments? I’m Tony Xia, Founder and Director of The Mortgage Agency – one of Sydney’s leading mortgage broker firms.In this episode of The Mortgage Chat, we dive into a real-life case study of a high income earner from the mining industry who transformed his financial future through smart property investments. You’ll learn how leveraging equity, structuring loans effectively, and maintaining sustainable debt levels can help you build wealth, even when you’re earning a high income.In this...2025-03-0912 minThe Mortgage ChatHECS Debt Australia Explained: Is Excluding It from Your Borrowing Power a Smart Move?HECS debt Australia: Should HECS Debts Be Excluded from Borrowing Power? 🤔Are you wondering if excluding HECS debt from your borrowing power calculations is responsible? I’m Tony Xia, the Founder and Director of The Mortgage Agency—one of Sydney’s top mortgage broker firms.In this episode of The Mortgage Chat, we’re diving into a hot topic: Should HECS debts be removed from borrowing power calculations? 🚨Recently, Treasurer Jim Chalmers proposed that lenders exclude HECS debts when calculating borrowing capacity, potentially allowing homebuyers to take out bigger loans. 2025-02-2310 minThe Mortgage ChatUse Tax Refund to Pay off your Home Loan - SECRETS OF THE RICH! Tips from a Mortgage BrokerCan You Use Your Tax Refund to Pay Off Your Mortgage?❓ Thinking of using your tax refund to pay down your home loan? You’ve probably seen ads from so-called “property gurus” promising quick ways to reduce your mortgage faster. But is it really that simple?I’m Tony Xia, Founder & Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms.In this episode of The Mortgage Chat, I’ll break down:✅ How tax refunds can help pay off your mortgage faster✅ What negative gearing actually means (and...2025-02-0910 minThe Mortgage ChatCross-Collateralisation Explained: Use Equity To Buy An Investment Property | Pros And ConsCross-Collateralisation | The Pros And Cons Of Cross Collateral Loans in AustraliaI’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms.What is Cross-Collateralisation?Cross-collateralisation happens when you use one property as security for multiple loans or when multiple properties secure a single loan. Essentially, your lender ties your assets together, creating a financial web.For example:If you own Property A and want to buy Property B, the lender may use both properties as coll...2025-01-2612 minThe Mortgage ChatHow to Buy a House with No Money: A Guide for First-Time HomebuyersHow to Buy a House with No Money: A Guide for First-Time HomebuyersHi, I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s leading mortgage broker firms.In this episode of The Mortgage Chat, I’ll walk you through the entire property-buying process in Australia, step by step. From understanding your borrowing capacity to negotiating contracts and securing your loan approval, I’ve got you covered!You’ll learn:✅ How the current property market affects your purchase✅ The importance of pre-approval and valuation✅ Key step...2025-01-1218 minThe Mortgage ChatHow to Invest in Australia While Living Abroad - Aussie Property Loans for ExpatsHow to Invest in Australia While Living AbroadHi, I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s leading mortgage broker firms.In this episode of The Mortgage Chat, we’re diving into expat lending—breaking down how Australian citizens and permanent residents working abroad can secure a loan for property investment or homeownership in Australia.Here’s what you’ll learn:✅ What is an expat✅ Who qualifies as an expat borrower✅ How different lenders handle expat loans✅ Which currencies are accepted by Australian banks2024-12-2906 minThe Mortgage ChatHow to Get a Home Loan as a Small Business Owner in Australia | Tips from a Mortgage BrokerCan self-employed people and business owners get loans in Australia?Hi, I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms. In this episode of The Mortgage Chat, I’ll guide you through the process of getting a loan as a self-employed individual or business owner.✅ What are Full Doc and Low Doc loans?✅ How can you qualify for each loan type?✅ What documents do lenders require for self-employed borrowers?✅ Tips to maximise your borrowing power.If you’re running a business or wo...2024-12-1510 minThe Mortgage ChatHome Equity - What It Is, How It Works, and How You Can Use It to Grow your Money - Broker TipsHome Equity - What It Is, How It Works, and How You Can Use It to Grow Your Money | Tips from a Mortgage BrokerI’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms.In this episode of The Mortgage Chat,Tony breaks down how you can leverage your home's equity for various purposes, from personal use to investment opportunities.What is equity?It’s the difference between the value of your property and what you owe on it. If your proper...2024-12-0111 minThe Mortgage ChatHow much can you actually borrow to start your property investment journey? Real Case StudyHow much can you actually borrow to start your property investment journey? In this episode of The Mortgage Chat, Tony Xia dives deep into a real-life case study to show you exactly how an Australian couple leveraged their income and deposit to build their investment portfolio.You'll learn: ✅ What borrowing power looks like with major lenders vs. second-tier lenders ✅ How much debt is sustainable without compromising your lifestyle ✅ The importance of cash flow management in maintaining your properties ✅ Why unrealistic promises from "wealth experts" can lead to financial strain ✅ This isn’t about...2024-11-1720 minThe Mortgage ChatDon't do this! The dangers of buying Off the Plan Properties | House and Land Deals ExplainedShould You Buy Off the Plan? House and Land Deals ExplainedI’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s leading mortgage broker firms.In this episode of The Mortgage Chat, we’ll explore the advantages and potential pitfalls of purchasing an off-the-plan house and land package.What's an Off-the-Plan House and Land Package?It’s a purchase where you sign one contract for both the land and the construction of the house, with payment made only when the property is ready to settle. This str...2024-09-2217 minThe Mortgage ChatPurchasing Property within a Trust - Trust Borrowing Explained in 12 minutesWhat Are Trust Structures and How Can They Help You Borrow More in Australia? Purchasing Property within a Trust - Trust Borrowing Explained in 12 minutesA trust can be a great way to borrow money and invest in assets.But it's important to understand how they work before you get started. Most people don't know much about trust, and that can lead to some serious problems down the road. If you want to learn more about trust and how it works when it comes to borrowing, make sure to stay tuned!2024-09-0813 minThe Mortgage ChatHow to Increase Borrowing Power in Australia | Loan More Money | Explained in 9 minutesHow can you increase your borrowing capacity with different lenders?In this episode of The Mortgage Chat, Tony Xia, Founder and Director of The Mortgage Agency, dives deep into the strategies to help you maximise your borrowing power using tier 1, 2, and 3 lenders. 🏡💰In this episode, you’ll learn:🔹 Why dealing directly with banks may limit your borrowing potential🔹 The difference between using a mortgage broker and a banker🔹 How to stretch your borrowing power across different lenders🔹 Real-life examples of how these strategies have significantly increased clients’ wealth🔹 The importance of not compari...2024-08-1010 minThe Mortgage ChatHow to Find the Best Buyer's Agent in Australia | Do You Really Need A Buyers Agent? Don't TRUST!How to Find the Best Buyer's Agent | Do You Really Need A Buyers Agent? Should you trust a Buyer's Agent?Welcome back to The Mortgage Chat! I'm Tony Xia, your host and Founder of The Mortgage Agency, one of Sydney’s top mortgage broker firms.In today’s episode, we’re joined by Joe Tucker, Director and Head of Research at Property Principles. Joe is an expert in residential and commercial property investing and manages one of Australia’s largest property Facebook groups. This group, with over 75,000 members provides expert insights, market updates, and a sup...2024-07-2753 minThe Mortgage ChatHow to use EQUITY to buy INVESTMENT PROPERTY in Australia Explained in 8 min | Real Estate InvestingHow to use Equity to buy investment Property in Australia?I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms.In this episode of The Mortgage Chat, we’ll look into how you can use the equity in your home for various purposes, including buying a car, renovating your house, or investing in more properties.What is equity?It’s the difference between the value of your property and what you owe on it. If your property’s value has increased since you...2024-07-1808 minThe Mortgage ChatHow to be an Auctioneer in Real Estate | Auction Caller in AustraliaIn this episode of The Mortgage Chat, Tony Xia, Founder and Director of The Mortgage Agency, interviews Michael Garofolo from Cooley Auctions, a seasoned professional in the real estate and finance industry.Are you aware that to become an auctioneer in Australia, you need more than just an "auctioneer license"? You must also be a fully licensed real estate agent. Michael shares his journey from hospitality to mortgage broking and discusses the qualifications necessary to excel as an auctioneer in Sydney's competitive market. Tune in to learn about the importance of experience, the dynamics of property demand...2024-06-281h 07The Mortgage ChatMistakes to Avoid When Buying a House and Land Package | Tips for first home buyersThinking of buying a house and land package to invest in? People sometimes say they're not a good investment, but is that true? Tony Xia from The Mortgage Chat explains what house and land packages are and whether they might be a good choice for you. This video will help you decide if a house and land package is a good fit, including how to find a good deal and ways to save money on taxes. In this video, you'll learn:👉 The benefits of buying early in a development👉 How to leverage land val...2024-05-2110 minThe Mortgage ChatApartment vs House Investments in Australia: Which is the right one for you?Buying your first property is exciting! But should you choose an apartment or a house?Join Tony Xia, host of The Mortgage Chat, with special guest Raza Khan, Principal of Raine & Horne Rouse Hill, as they tackle this common dilemma. Explore why apartments might not be the guaranteed path to house ownership many people think they are.In this episode, they uncover:👉 Why apartment prices might not grow as fast as houses: This could make it trickier to upgrade later.👉 Risks of buying off-the-plan apartments: Watch out for potential size changes and un...2024-05-0257 minThe Mortgage ChatApartment vs. House: Which is the Smarter Investment?Should you buy an apartment or a house?In this episode of The Mortgage Chat, Tony Xia from The Mortgage Agency talks about buying apartments. He explains why it might not always be the best idea, especially if you're planning to upgrade later. Tony breaks down why the value of apartments isn't growing as fast as houses, making it harder to move up the property ladder.He shares stories and examples to help you understand the risks and benefits. If you're new to buying property or have experience, Tony's advice can help you m...2024-04-2307 minThe Mortgage ChatWill Sydney's New Construction Rules Help Solve the Housing Crisis? New Building Regulations 2024In this episode of The Mortgage Chat, we have Charbel Simon, Founder and Director of Refined Group, a Sydney-based company specializing in designing and building homes, outdoor spaces, and pools.Charbel discusses the latest changes in the construction industry and their impact on builders like himself. Joining Tony Xia, Director of The Mortgage Agency, Charbel delves into the implications of the New South Wales Government's new regulations for medium, low, and high-rise buildings.Amidst the stabilization in the building market, Charbel shares insights into supplier and trade challenges, changes in building codes, and proposed legislation. 2024-04-0833 min
Unqualified ExpertsUnqualified Experts Ep 44 - Xia's Sister Did What!?Xia & Nick try to help the internet by answering its most comical and outlandish questions.On this episode: -Man leaves wife at the altar-Let my friend use my insurance-Coworker wants money-Friend is wrecking my clothes-My sister needs the talk-Cousin love💖 https://linktr.ee/xialand 💖2023-08-0458 minUnqualified ExpertsUnqualified Experts Ep 43 - Did Xia's Boobs Kill A Friendship?Xia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode: -Nick calls out his friend who is acting mysterious and secretive-Wife finds her husbands hidden album-Boyfriends hidden tattoo-Girlfriends big surprise on family boat trip-Mom finds defiled stuffed animals💖 https://linktr.ee/xialand 💖2023-07-201h 15Unqualified ExpertsUnqualified Experts Ep 42 - My Brother In Law Groped MeXia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode: -Ex girlfriend keeps bringing around her new dude in our friend group-My brother in law groped me... What do I do next?-Girl I went on a date with got offended by my Instagram bio-My coworker takes 2 hour breaks per shift to pump breastmilk-Boyfriends mom is too invested in our sex life😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch...2022-10-101h 02Unqualified ExpertsUnqualified Experts Ep 41 - Grandfather Steals My Sex ToysXia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode:-Nick talks about his ex-girlfriend being spied on-I can't no matter how hard I try, find women with hairy legs attractive-My boyfriend says that I am having an emotional affair-How do I stop my Grandfather from stealing my sex toys?-My girlfriend has an open relationship with someone else-Is it ok if I wear shoes with hidden height-boosting insoles on a date?😍 https://www.onlyfans.com/xialand...2022-09-251h 10Unqualified ExpertsUnqualified Experts Ep 40 - Triggered Man Wants Woman To Cover UpXia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode:-Nick reads Xia a message she received from a middle age man who is very upset at the photo's she posts on twitter.-Is the older guy I’m dating being manipulative or am I just immature?-Wife won’t eat my ass but she’s done it before with someone else-Feeling disgusted with myself after he called me too fat😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand2022-09-181h 18Unqualified ExpertsUnqualified Experts Ep 39 with JennaXia & Jenna try to help the internet by answering its most comical and outlandish questions. On this episode: -My girlfriend insulted my dad’s job, and I can’t look at her the same-He lied about his age… by 10-20 years-Was I groomed by my teacher?-My girlfriend has an issue with me bathing my daughter-Ex gf fu*ked three good friends of mine and I don’t know what to think-My husband has a very bad kink and idk what to do😍 https://www.onlyfans.com...2022-09-111h 11Unqualified ExpertsUnqualified Experts Ep 38 with Dave TempleComedian Dave Temple (No Need For Apologies) joins Xia to help the internet by answering its most comical and outlandish questions. On this episode:-My mother assaulted my wife while she was holding my one year old son, should I press charges?-Is it appropriate to approach my gym crush?-I lost my virginity and highly regret it-What is a good way to get back at my family friends?-My boyfriend is about to break up because of my black ex-boyfriend.... but I ampregnant😍 https://www.onlyfans.com...2022-09-041h 12Unqualified ExpertsUnqualified Experts Ep 37 - Sister’s Wife Wants My SpermXia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode: -My friends say my wife groomed me-My coworker told me he wanted to screw me in front of everyone-I really like a guy but he told me that education shouldn’t come first-My sister’s wife wants my sperm😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://ww...2022-08-281h 00Unqualified ExpertsUnqualified Experts Ep 36 - Nutty GF & Lunatic ParentsXia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode:-My girlfriend is saying that I can’t watch certain shows-Should I lend my boyfriend money to buy a car?-Parents won’t let me sleep alone in my own room-My girlfriend asks for money almost every time we have sex-I found my grandpas p*rn-My father touched me inappropriately thinking that I was my mom-Incest pictures on fiancés phone-My girlfriend tried to take my swi...2022-08-2150 minUnqualified ExpertsUnqualified Experts Ep 35 - Kink Shame & Weight GainXia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode:-I was dumped because I opened up about my kinks-My ex-girlfriend keeps sending me videos of her having s*x withother guys-I got fat while in university and I’m seeing my boyfriend for the first timesince I was skinny next week-My brother found my s*x toys and said something weird, or am I overreacting?-My dad wants money from a check I received... What should I d...2022-08-071h 09Unqualified ExpertsUnqualified Experts Ep 34 - No Underwear GF & The Parents MysteryXia & Nick try to help the internet by answering its most comical and outlandish questions. On this episode: -Girlfriend refuses to wear underwear and she doesn’t see a problem with sittingin positions that expose her to others in public-My best friend’s mom called me at 4am-My brother found my s*x toys and said something weird, or am I overreacting?-I’m supposed to go on a date tonight, when he tells me today, he’s herpespositive-My girlfriend is adamant on holding my penis whil...2022-07-311h 02Unqualified ExpertsUnqualified Experts Ep 33 with Mike CannonComedian Mike Cannon (Here's The Scenario & White Privilege Homeless) joins Xia to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-07-241h 08Unqualified ExpertsUnqualified Experts Ep 32 - Satan & The Rock Hard StoolXia & Nick try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-07-171h 07Unqualified ExpertsUnqualified Experts Ep 31 - Butt Dildo & Pecka SuckaXia & Nick try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-07-041h 02Unqualified ExpertsUnqualified Experts Ep 30 with JennaXia & Jenna try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-06-261h 06Unqualified ExpertsUnqualified Experts Ep 29 - Funeral Dookie & Killer BFXia & Nick try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-06-191h 02Unqualified ExpertsUnqualified Experts Ep 28 - Sister Sex & Dads ErectionXia & Nick try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-06-1251 minUnqualified ExpertsUnqualified Experts Ep 27 - Old Underwear & Husbands Gay PornXia & Nick try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-06-0551 minUnqualified ExpertsUnqualified Experts Ep 26 with Christian BladtXia & Christian (The Dennis Miller Option) try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-05-3056 minUnqualified ExpertsUnqualified Experts Ep 25 - Your Relationship SucksXia & Nick try to help the internet by answering its most comical and outlandish questions. 😍 https://www.onlyfans.com/xialand📼 YouTube: https://www.youtube.com/xialand🎮 Twitch: https://www.twitch.tv/xialand🐦 Twitter: https://twitter.com/xia_land📸 Instagram: https://www.instagram.com/xia_land/2022-05-221h 04