Advertise on podcast: Your First Home Buyer Guide Podcast

If you're buying solo later in life, you might be wondering whether you'll have enough time to upgrade, whether a 30-year home loan makes sense, or how much you should compromise on the property you really want. In this episode, Veronica and Meighan tackle three common questions about buying solo later in life. They explore why the traditional starter-home-to-upgrade approach may not always work, how to think about your home loan and repayment strategy, and why choosing the right property means looking beyond what you can afford. You'll also learn why location, community and long-term liveability deserve serious consideration, how to distinguish a reasonable compromise from a genuine property red flag, and why a home doesn't always need renovation potential to be the right choice. The conversation also covers the value of having the right professionals and support around you when making major decisions. Buying solo later in life doesn't mean you're too late. It's about understanding your options, planning for your future and choosing a home that works for the life you want to live. Episode Highlights00:00 – Buying Solo Later in Life: What You Need to Know 04:05 – Choose a Home That Works for Your Future 07:10 – Why Buying a Starter Home May Not Make Sense 10:21 – Should You Take a 30-Year Home Loan at 50? 13:29 – How Much Should Lifestyle Matter When Choosing a Home? 16:25 – Property Red Flags vs Fixable Flaws 20:44 – Why You Don’t Have to Make Every Decision Alone 25:55 – Key Takeaways and Resources for Solo Buyers 28:23 – Join the Home Buyer Academy Community Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Property prices are falling in some markets, so why are so many first home buyers still sitting on the sidelines? Waiting for a better price might seem like the obvious move, but falling prices don’t necessarily mean better affordability when interest rates are rising and borrowing capacity is shrinking. In this episode of Home Buyer Academy, Veronica and Meighan unpack what’s really keeping buyers from moving forward, from changing borrowing power and rising rents to negative equity concerns and the temptation to wait for the market bottom. They also look at how buyers can approach a falling market more strategically, including reassessing their borrowing capacity, setting a comfortable budget, focusing on quality property, negotiating from a stronger position and thinking long term. If you’re financially close to buying but wondering whether you should wait for prices to fall further, this episode will help you look beyond the headline price and consider what actually makes a property affordable. Episode Highlights00:00 - Why Waiting for Property Prices to Fall Can Backfire 01:33 - Are Falling Property Prices Really Good News? 04:49 - What Makes It a Buyer's Market? 08:38 - Why Your Home Buying Budget May Have Shrunk 10:25 - How Interest Rates Reduce Your Borrowing Power 14:36 - What Happens When Your Property Loses Value? 20:57 - The Three Hidden Costs of Waiting to Buy 25:01 - Property Supply and the Risks of Buying Off the Plan 29:43 - What First Home Buyers Should Check Before Buying 34:43 - How to Decide Whether to Buy or Keep Waiting Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

You’ve found the right suburb, the right school catchment and a house with a good floor plan. There’s just one problem: it’s dated, needs some work, and you really don’t want to renovate. So, is it still worth buying? In this episode, Meighan and Veronica unpack this exact scenario using their Three P's framework: Position, Property and Price. They explain what you can change, what you can’t, and why a property being under your budget doesn’t automatically make it good value. They also break down the difference between a dated home and a poorly maintained one, what to look for when assessing renovation potential, and why things like layout, orientation, natural light, maintenance and long-term appeal matter. You’ll also learn why comparable sales, renovation costs, contingencies and your financial buffer all need to be considered before deciding whether a property really stacks up. If you’re weighing up a property that isn’t perfect, this episode will help you look beyond the fresh paint and shiny finishes, understand the compromises that actually matter, and make a more confident decision about whether the property is right for you. Episode Highlights01:16 – The Three P's: Position, Property and Price 03:52 – What Can and Can’t Change in a Property 05:24 – Renovation vs Refurbishment: What’s Really Needed? 08:46 – Why Under Budget Doesn’t Mean Good Value 13:48 – Dated vs Poorly Maintained: Know the Difference 16:05 – Why a Dated Home Can Beat a Fresh Renovation 17:02 – 5 Questions to Ask Before Buying a Dated Home 20:02 – The Framework Behind Confident Property Decisions 22:35 – Finding the Perfectly Imperfect Property Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Buying your first home can involve a lot of research, questions and second-guessing. But how do you know when that research is actually helping you move forward, and when it’s keeping you stuck? In this 300th episode, Veronica and Meighan look back at memorable moments from Campfire, where real buyers bring their properties, decisions and challenges to work through. They share the lessons behind some of those moments, including recognising red flags, challenging assumptions, knowing when to walk away and understanding what you actually want from your first home. Most importantly, the episode explores how buyers can move from uncertainty to confidence by understanding their decisions rather than simply hoping they’re making the right choice. It’s a look at what happens when buyers learn to trust their own decision-making and take ownership of the buying process. Episode Highlights00:00 – Celebrating 300 Episodes of Your First Home Buyer Guide 03:22 – When Research Feels Like Progress 04:05 – How Kate Went From Guessing to Understanding 09:05 – When Research Keeps You Stuck: Joel’s Story 11:25 – When Walking Away Is the Right Decision 15:16 – How to Find Uniqueness in a Crowded Market 18:24 – Using Evidence to Stay Patient 19:56 – Why Your First Buying Plan May Need to Change 26:55 – Challenging the Beliefs Behind Your Property Search 28:36 – Whose Property Advice Should You Listen To? 33:07 – Lessons From Real Buyers in Campfire 34:55 – The Lessons Behind 300 Episodes 36:52 – From Campfire Ideas to 300 Episodes Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

What happens when you realise you may be able to buy your first home years earlier than you thought? For Katya, the journey started with an assumption that she needed a 20% deposit. After looking more closely at her finances and learning about the 5% deposit scheme, she and her partner realised buying could be possible sooner than expected. In this episode, Katya shares her journey from having no idea how to buy a property to purchasing an apartment in Ryde, Sydney. We talk about saving, borrowing capacity, learning through the the First Home Buyer Course and Campfire sessions, and how her initial ideas about buying an investment property quickly changed once she understood the numbers. Katya also explains how she assessed apartments in a suburb with plenty of competing stock, why outlook, natural light, privacy and scarcity became important factors, and how she used research to identify an apartment with characteristics that were difficult to replicate. We also follow the buying process, from inspecting a tenanted property to working out what to offer and negotiating a private treaty sale. If you’re wondering whether buying your first home is possible, or you’re not sure how to turn your savings into a clear buying strategy, Katya’s story offers a practical look at what can happen when you stop guessing and start learning the process. Episode Highlights01:05 – From Wild Property Ideas to Buying a First Home 07:05 – From Podcast Listening to a Clear Buying Process 10:19 – How Katya Spotted a Rare Apartment Worth Buying 13:21 – How One Partner Took the Lead on Property Research 15:37 – Why Some Properties Look Better Online Than In Person 20:49 – Why You Should Never Buy an Apartment From a Floor Plan 25:37 – Buying the Home Today With a Bigger Plan for Tomorrow 27:34 – Katya’s Advice for Anyone Thinking About Buying 30:36 – A First Home, New Floors and What Comes Next Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

You find a property listed at $700,000 to $750,000, stretch your budget to make it work, do your due diligence and turn up to auction ready to bid. Then it sells for $850,000. So what happened? And can you actually trust the price guide? In this episode, Veronica and Meighan unpack the complicated world of property underquoting, why lower price guides attract more buyers, and the psychological effect those numbers can have on your expectations. They also explore why underquoting continues despite being illegal, how different states approach price guides, and the role of agents, owners and buyers in the process. Most importantly, they explain what buyers can do about it. Rather than relying on an advertised guide, you need to understand what the property is actually worth, what you’re prepared to pay and how the auction method of sale works. If you’re buying at auction, this episode will help you understand the game you’re stepping into, ask better questions and prepare properly before you ever raise your hand to bid. Episode Highlights01:37 – Underquoting: How the Property Pricing Game Works 04:14 – The Psychology Behind Low Price Guides 09:55 – Forget the Guide: Learn to Price the Property Yourself 17:19 – Buying at Auction? Learn the Rules Before You Bid 20:12 – How Price Guide Loopholes Can Be Used 23:08 – Don’t Trust the Guide: Work Out Your Own Price 25:45 – Preparation: The One Thing No Law Can Do for You Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

What happens if your builder goes broke halfway through building your first home? It’s a scenario no buyer expects, but one that can leave you with an unfinished house, money already paid, and a loan that still needs to be repaid. In this episode, we break down what can happen when a builder collapses, why even large and well-established builders aren't immune, and how rising construction costs, labour shortages and fixed-price contracts can put pressure on building companies. We also explain why a cheap quote isn't always a bargain, and what buyers should look for before signing a building contract. You'll learn how construction loans, progress payments and building insurance can protect you — and where those protections have limits. We also cover the warning signs to watch for during your build, including unexplained delays, unpaid trades, requests for early payments and communication becoming difficult. Most importantly, you'll learn what you can do before signing and what steps to take if something starts going wrong, from checking licences, insurance and company records to keeping detailed paperwork and getting independent legal, financial and building advice. Building your first home comes with enough uncertainty already. This episode will help you understand the risks, prepare for what could go wrong, and put better protections in place from day one. Episode Highlights01:49 – Why Builders Are Going Broke 03:34 – Why Builders Are Under Pressure 06:18 – What Happens When Your Build Stops? 08:36 – Why Building Insurance May Not Be Enough 11:36 – Warning Signs Your Builder Is in Trouble 15:15 – How to Check Your Builder Before Signing 19:01 – Your Builder Collapsed: What Should You Do? 23:29 – How to Protect Yourself From Builder Failure Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Your first impression of a property can be powerful — but should it really influence your decision to buy? For first home buyers, a beautifully styled home can create excitement before you've had a chance to properly assess whether the property actually works. In this episode, Veronica and Meighan explain why experienced buyers agents don't rely on first impressions alone. They take you through the process of assessing a property beyond the presentation, from researching it before the inspection and doing drive-bys to looking closely at the location, block, surrounding properties, privacy, noise and other fundamentals. You'll learn how to separate the emotional response you have when you walk through a home from the evidence you need to make a smart buying decision. Because a property can look fantastic online or feel amazing when you walk through the front door — but that doesn't necessarily make it the right property for you. If you're buying your first home and want to feel more confident at open homes, this episode will help you understand what to look for before letting yourself fall in love with a property. Episode Highlights01:35 — Verify Before You Trust Your First Impression 06:08 — When Styling Starts Influencing Your Decision 10:53 — Why the Outside Matters Before You Go Inside 14:45 — Veronica's Off-the-Plan Buying Lesson 20:41 — Why Good Buyers Dig Deeper 27:14 — Don't Mentally Move In Too Soon 35:52 — A Framework for Better Property Due Diligence 38:48 — How to Earn Confidence Before You Buy Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Most first home buyers have heard about offset accounts and redraw facilities, but very few understand how they actually work—or how choosing the wrong one could cost them thousands over the life of their home loan. In this episode, Veronica and Meighan are joined by first home buyer specialist mortgage broker Jack Elliott to break down the difference between offset accounts and redraw facilities in plain English. You'll learn how both features reduce the interest you pay, why an offset account can help you pay off your mortgage sooner without increasing your repayments, and the practical differences that matter once you're living in your home. The conversation also explores one of the most overlooked topics for first home buyers: the long-term tax implications if your home later becomes an investment property. Jack explains why the way your money is structured today could affect your options years down the track, why fixed-rate loans change how these features work, and why the "best" option isn't always the same for every buyer. If you've ever wondered where your savings should sit after settlement, or you've nodded along when someone mentioned an offset account without really knowing what it does, this episode will give you the clarity you need to make smarter decisions with your mortgage from day one. Episode Highlights02:41 – Offset Accounts Explained: How They Save You Interest 05:46 – Why Fixed Loans Change Your Offset Options 10:23 – Offset vs Redraw: The Tax Difference That Matters 14:29 – Offset or Redraw? Choose What Fits Your Money Habits 19:23 – Why Setting Up Your Loan Correctly Matters 21:37 – Need Mortgage Help? How to Connect with Jack 23:49 – Key Takeaways for Smarter Mortgage Decisions Connect with JackBook a Get To Know You Chat with Jack Website | First Home Unlocked Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Property prices are falling in some areas, and if you're a first home buyer with a 5% deposit, it can be tempting to sit back and wait for prices to fall further. But how will you know when the market has actually reached the bottom? And what happens if the right property becomes available before then? In this episode, Veronica and Meighan unpack the reality of buying your first home in a falling property market. They explain why trying to time the market is more of a bet than a strategy, and why financial readiness, property quality and your ability to hold the property long term matter more than predicting what prices will do next. They also take a closer look at the risks of buying with a 5% deposit, including negative equity, holding power, valuation risk and the dangers of buying off the plan in a slowing market. You'll also learn why established properties can provide stronger price anchors, how to use comparable sales to assess value, and why buffers and due diligence become even more important when markets are uncertain. If you're wondering whether you should buy now or wait for property prices to fall further, this episode will help you think through the decision with more clarity and less noise. Episode Highlights01:35 – Can You Actually Pick the Bottom of the Market? 06:06 – What a 5% Deposit Really Means in a Falling Market 08:15 – The Hidden Risk of Buying Off-The-Plan 11:38 – A Smarter Way to Buy in a Falling Market 17:10 – How to Make Confident Decisions in Uncertain Markets 19:28 – The Question to Ask Before You Decide to Buy 22:17 – Join the First Home Buyer Community Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Are you thinking about buying a brand-new property? It can seem like a straightforward process, but there's a lot more to buying new than choosing a floorplan, selecting your finishes, and waiting for the keys. Before you sign a contract, it's important to understand the different pathways to buying new—and the contracts, finance considerations, and risks that come with each one. In this episode, Veronica and Meighan unpack the differences between a new build vs established home, explain why buying new follows a different set of rules, and walk through the questions every first home buyer should ask before signing a contract. From choosing the right location and researching developers to understanding finance timelines, valuations, contracts, and pre-settlement inspections, you'll learn how to approach the process with confidence instead of relying on marketing alone. Whether you're considering buying a brand new home, buying off the plan, or buying from a developer, this episode will help you understand what really matters before you sign a contract. You'll learn how to avoid common mistakes, ask the right questions, and why taking the time to make an informed decision could save you thousands. Episode Highlights01:22 - Why Buying New Is a Different Process 02:09 - The Three Ways to Buy Brand New 02:58 - Why Property Fundamentals Still Matter 05:49 - Supply, Demand and Future Resale 07:47 - Buying Off the Plan: Do Your Due Diligence 10:03 - Finance, Pre-Approval and Settlement Risks 12:49 - Contracts, Variations and Legal Advice 16:16 - The Hidden Costs of Buying New 19:36 - Construction Delays and Managing the Wait 22:52 - Pre-Settlement Inspections and Defects 24:55 - Questions to Ask Before You Sign 27:31 - Final Tips for Buying Brand New Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Buying your first home is exciting, but understanding your mortgage is just as important as getting approved for one. In this episode, Jack Elliott breaks down the fundamentals of home loans, explaining how mortgage repayments work, how interest is calculated, and the differences between fixed, variable and split loans. You'll also learn why small changes to the way you manage your mortgage can make a significant difference over time. Whether you're preparing to buy your first home or you've recently settled, this episode will help you better understand one of the biggest financial commitments you'll ever make so you can make more informed decisions with confidence. Episode Highlights01:46 – Understanding How Mortgages Really Work 04:09 – Why Your Mortgage Balance Hardly Changes at First 07:16 – The Truth About Fortnightly Mortgage Repayments 10:15 – Choosing the Right Mortgage Term 14:00 – Who Controls Mortgage Interest Rates? 18:52 – Fixed, Variable or Split: Which Is Right for You? 25:03 – How to Make Your Mortgage Work for You Connect with JackBook a Get To Know You Chat with Jack Website | First Home Unlocked Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Many first home buyers have been told rentvesting is one of the smartest ways to get into the property market. But with the Federal Government proposing major changes to negative gearing and capital gains tax, does that strategy still stack up? In this episode, Veronica and Meighan unpack what the proposed tax reforms could mean for first home buyers, whether rentvesting is still worth considering, and why buying the right property matters more than ever. They explain why tax benefits should never be the main reason to invest, the risks of chasing new builds purely for incentives, and how to identify investment-grade properties that can support long-term wealth. Whether you're planning to buy your first home, considering rentvesting, or trying to understand how the changing tax landscape could affect your decisions, this episode will help you separate headlines from practical strategy. Episode Highlights01:33 – The Tax Changes Reshaping Property Investment 02:31 – Rentvesting Explained: Does It Still Work? 06:28 – What Losing the CGT Discount Means for Investors 08:42 – Is Rentvesting Still a Smart Strategy? 10:51 – The Hidden Risks of Buying New Builds 16:42 – How to Adapt Your Property Strategy 20:24 – Build the Right Team Before You Invest 25:14 – Who Wins and Loses Under the New Rules? 27:21 – Your Next Steps After the Tax Changes Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

You've done the maths. You know your income, you've been saving, and you have a rough idea of what you can borrow. Then the bank gives you a completely different number. In this episode, mortgage broker Jack Elliott returns to explain how lenders really assess borrowing capacity. From income, genuine savings and credit cards to HECS, Afterpay, bank statements and even the property you're buying, you'll learn why two lenders can reach very different outcomes for the same borrower. Whether you're planning to buy your first home soon or simply want to understand how banks make lending decisions, this episode will help you prepare with confidence and make smarter choices before you apply for a home loan. Episode Highlights03:25 – How Banks Assess Your Income 09:38 – What Banks Look For in Your Savings 12:19 – How Debts Affect Your Borrowing Capacity 17:16 – How Banks Assess Your Spending Habits 21:08 – What Banks See in Your Credit History 25:26 – Why the Property Matters to Your Home Loan 30:12 – Just Because You Can Borrow More Doesn't Mean You Should 33:30 – When to Speak to a Mortgage Broker Connect with JackBook a Get To Know You Chat with Jack Website | First Home Unlocked Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Buying your first home rarely goes exactly to plan. You might have your deposit saved, your dream suburb picked out, and a clear picture of the property you want—only to discover the market has other ideas. In this episode, Home Buyer Academy graduate Tim shares the real story behind his first home purchase. From saving his deposit and researching the market to being priced out of his preferred property type, Tim explains how staying flexible and trusting a structured buying process helped him achieve his goal. Together with Veronica and Meighan, they unpack the lessons learned along the way, including dealing with underquoting, adapting to changing market conditions, navigating auctions, and making confident decisions without letting emotions take over. If you're preparing to buy your first home, this episode offers practical insights into what the journey really looks like—and why having the right knowledge and mindset can make all the difference. Episode Highlights 01:03 – Meet Tim and His First Home Buying Journey 03:46 – The Saving Habits That Fast-Tracked Tim's Deposit 07:03 – Why Investing in Education Paid Off 10:42 – The Market Reality Every First Home Buyer Faces 16:44 – What Every Property Inspection Taught Tim 20:39 – How Flexibility Helped Tim Find the Right Home 27:41 – The Budget Twist That Changed Everything 33:04 – Life After Buying: What's Next for Tim? 37:01 – Tim's Biggest Advice for First Home Buyers 39:50 – Why Community Makes the Journey Easier 42:33 – Final Thoughts and Episode Wrap-Up Course Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f