PODCAST · education
The First Home Buyers Program
by Maryanne Elliott
If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work and how you can save yourself thousands. Either way this podcast is for you. I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.
Episodes
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Episode 131 - Could Building Your First Home Unlock More Government Help? 🏡
What if buying a brand-new home could give you access to more government assistance than buying an established property? In this episode of The First Home Buyers Program Podcast, Maryanne breaks down a strategy that many first-home buyers may not have considered: combining the Australian…
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Episode 130 - Help to Buy Scheme: Buy Now or Wait 10 Years to Buy Your First Home?
Would you rather own 70% of a home today and work towards owning 100%, or wait another 10 years until you can afford to buy without government assistance? In this episode of The First Home Buyers Program Podcast, Maryanne Elliott breaks down Australia's Help to Buy Scheme using two hypothetical...
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Episode 129 - Help to Buy Scheme: Been Told You're Not Ready to Buy? Watch This First
Have you been told you need to save a bigger deposit before you can buy a home? 🏡Before you assume you need to wait another 6 or 12 months, there's something you need to know.Australia's Help to Buy Scheme could provide another pathway into home ownership for eligible buyers.But here's the...
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Episode 128 - Do You Really Need a 20% Deposit to Buy Your First Home? Think you need a
Think you need a 20% deposit before you can buy your first home? Think again. With property prices where they are today, saving a 20% deposit can feel almost impossible. On a $1 million property, that's $200,000 before you even factor in the other costs of buying! In this episode of The First…
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Episode 127 - First Home Buyer Property Investment: Why You Should Understand Commercial Property
Buying your first home is an exciting milestone, but it's also the start of your long-term property journey. In this episode of the First Home Buyers Program Podcast, Maryanne explores why every first home buyer should understand commercial property even if buying commercial real estate isn't...
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Episode 126 - First Home Buyer Pre Approval: The Biggest Mistake Buyers Make Before House Hunting
Description Should you start scrolling through realestate.com.au before speaking to a mortgage broker? In this episode of the First Home Buyer Program Podcast, Maryanne Elliott explains why getting a First Home Buyer Pre Approval should be your very first step before attending open homes or…
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Episode 125 - Family Guarantee or Buying Together? How Family Support Could Help You Buy Your First Home
What if the biggest thing standing between you and your first home isn't your income... it's simply not knowing your options? In this episode, Maryanne shares two of the most common ways families are helping first home buyers enter the property market sooner. Whether it's using a Family…
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Episode 124 - Why a Fully Assessed Pre Approval Matters More Than Ever 26 June 26
Why a Fully Assessed Pre Approval Could Help You Secure Your Dream Home . Are you planning to buy your first home this year? Before you spend your weekends at open homes, there is one thing that could make your offer stand out from the competition. In this episode, Maryanne Elliott from 360...
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Episode 123 - What Does “Finance Approved” Really Mean? Pre Approval vs Conditional Approval vs Formal Approval
What Does “Finance Approved” Really Mean? Pre Approval vs Conditional Approval vs Formal ApprovalBuying your first home can feel like learning a whole new language. One of the most confusing parts of the home buying journey is understanding exactly where you stand with your finance approval.Have...
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Episode 122 -3 Things Every First Home Buyer Should Focus on Right Now
Feeling overwhelmed about buying your first home? You’re not alone. With rising property prices, changing lending rules, and so much conflicting advice online, it’s easy to feel stuck before you even begin.In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, Director of 360...
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Episode 121 : Is the Market Scary Right Now? Here’s What First Home Buyers Need to Know
Episode Summary If you’re a first home buyer right now and feeling unsure about the market… you’re not alone. With rising interest rates, high property prices, and constant media noise, it’s easy to feel like you’ve either missed your chance or you’re about to make the wrong decision. In this...
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Episode 120 : The “I’ll Buy Later” Trap: Why Waiting Could Cost You Your First Home
In today’s episode, Maryanne Elliott from 360 Mortgage Solutions dives into one of the most common mistakes first home buyers make - waiting too long to enter the property market. With constant headlines about interest rates, global uncertainty, and property trends, it’s easy to fall into the…
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Episode 119 : The 3 Biggest Mistakes First Home Buyers Make (And How to Avoid Them)
The First Home Buyers Program Podcast - The 3 Biggest Mistakes First Home Buyers Make (And How to Avoid Them) Episode Description Buying your first home is exciting, but it’s also easy to make mistakes that can cost you time, money, and confidence. In this episode of The First Home Buyers Program...
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Episode 118: Help to Buy Scheme Australia Explained | Can It Help First Home Buyers Enter the Property Market?
Buying your first home can feel overwhelming, especially when saving a deposit feels like the hardest part. In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott from 360 Mortgage Solutions explains the Help to Buy Scheme in Australia and how it may help first...
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Episode 117: First Home Buyer Mistakes That Could Cost You Thousands (And How to Avoid Them)
First Home Buyer Mistakes That Could Cost You Thousands (And How to Avoid Them) Buying your first home should feel exciting… not overwhelming, confusing, or financially risky. In this episode, I break down the most common first home buyer mistakes I’m seeing right now – from relying on the wrong...
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Episode 116: The Truth About Buying Your First Home (And the Mistakes No One Warns You About)
Buying your first home can feel overwhelming — confusing advice, bank jargon, and fear of making the wrong decision often stop first home buyers from taking action. In this episode of The First Home Buyers Program Podcast, we break down the most common mistakes first home buyers make and explain...
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Episode 115 - Refinancing for First Home Buyers – What You Need to Know in 2026
Just bought your first home and wondering if refinancing is worth it? In this episode, we break down what first home buyers need to know about refinancing in 2026. 🏡 Episode Summary: You’ve got your first home loan—amazing! But now you’re hearing about refinancing, interest rate changes, and...
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Episode 114 - 3 Real Client Scenarios: How We Helped Buyers Get Approved With Low Borrowing Capacity
In today’s episode, Maryanne shares three real-life stories from the last few weeks where clients were struggling with low borrowing capacity — and how strategic planning, smart restructuring, and thinking outside the box helped them move from “I don’t think I can buy yet” to “We’re officially...
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Episode 113 - What Really Happens on Settlement Day: A First Home Buyer’s Guide
📄 Show Notes: Settlement day can be one of the most exciting—and nerve-wracking—parts of the home buying journey, especially for first home buyers who have no idea what to expect. In this episode, Marianne Elliott from 360 Mortgage Solutions breaks down what actually happens on settlement day,...
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Episode 112 - Post-Settlement Mortgage Checklist: What to Do After Your Home Loan Settles
🎉 Settlement's done—congrats! Now what? In this video, I walk you through your post-settlement mortgage checklist so your loan is set up correctly from day one. We’ll cover how to check your repayments, structure your banking, and make sure your offset account is working for you—not against you....
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Episode 111 - Choose Your Hard - and Start Preparing Now
🏡 Episode Description Feeling like buying your first home is just too hard? You’re not alone. In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, mortgage broker and educator, breaks down the biggest barrier most first-time buyers face — their mindset. Maryanne explains…
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Episode 110 - Why More First Home Buyers Are Teaming Up with Parents
Buying your first home has never been more challenging. With house prices climbing and supply tight, more First Home Buyers are turning to co-borrowing with their parents as a way to finally get into the market. In this episode of The First Home Buyers Program Podcast, I cover: Why families are...
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Episode 109 - Fixed vs Variable Home Loans in 2025: Which One’s Right for You?
Episode Description: When it comes to choosing between a fixed or variable home loan, first home buyers in 2025 have a big decision to make. In this episode, I simplify the confusion and walk you through what you really need to know about fixed vs variable home loans in 2025. You’ll discover: The...
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Episode 108 - BNPL is the Sneaky Culprit Keeping You Behind Your Paycheque
In this episode, we dive into the hidden dangers of buy now pay later accounts. They may seem like an easy way to spread out payments, but the reality is they can trap you in a cycle of debt, reduce your savings power, and even limit your borrowing capacity when it comes to applying for a…
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Episode 107 - October 1 Changes to the First Home Guarantee: Unlimited Places, No Income Caps & Higher Price Limits!
📘 Episode Description (SEO Optimized): Big changes are coming to the First Home Guarantee Scheme from 1 October 2025 — and they’re set to reshape the playing field for first home buyers across Australia. In this episode of The First Home Buyers Program Podcast, we break down everything you need…
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Episode 106 - Money & Relationships 3 Conversations Every Couple Needs Before Buying Their First Home
Buying your first home isn’t just about securing a loan — it’s about navigating money and relationships as a team. In this episode, [Your Name] shares the top 3 money conversations for first home buyers that every couple should have before signing on the dotted line. You’ll discover: ✅ Why...
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Episode 105 - 3 Ways to Get Ahead This Spring Season
The spring season in Brisbane South is one of the busiest times in the property market with more homes for sale, more buyers at open homes, and more competition for the perfect property. In this episode of The First Home Buyers Program Podcast, Maryanne Elliott from 360 Mortgage Solutions shares...
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Episode 104 - My Top 5 Tips for Catching Up as a First Home Buyer
Episode Title: Feeling Left Behind? Here’s How to Catch Up (Even If You’re Starting from Scratch) Summary: If you're feeling like everyone else is ahead in the property game, you're not alone — and you're not too late. In this episode, Maryanne shares the five most practical ways to “catch up” as…
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Episode 103 - HECS Slashed + More Borrowing Power: Why First Home Buyers Are Winning Right Now
🎧 Episode Summary: In this episode of the First Home Buyers Program Podcast, we’re breaking down one of the biggest wins for first home buyers in years. You’ll learn: ✅ Why the government’s 20% HECS indexation reduction could put thousands back in your pocket ✅ How banks are changing the way…
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Episode 102 - Feel Like You’re Falling Behind? Here’s How to Start Your Home Buying Journey
Podcast: The First Home Buyers Program Host: Maryanne Elliott Episode Length: 5 minutes 🔑 Episode Summary: Do you feel like everyone around you is buying homes… and you’re stuck wondering if you’ve missed your chance? You’re not alone—and you’re not behind. In this episode, Maryanne breaks down...
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Episode 101 - What You Need to Know About Building & Pest Inspections Guest: Les from Resi Inspections
📄 Show Notes: In this episode, I sit down with Les from Resi Inspections to unpack everything you need to know about building and pest inspections—why they’re essential, what to look out for, and how they can save you thousands in the long run. If you’re in the process of buying a home (or even...
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Episode 100 - Is a Valuation Important? What Types of Valuations Are There?
📄 Show Notes: In this episode, we’re diving into the world of property valuations—why they matter, what types there are, and how they can directly impact your home loan approval. Whether you're buying your first home, refinancing, or investing, understanding valuations is a key part of the...
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Episode 99 - The Hidden Costs of Buying: What No One Tells You
Description: In this eye-opening episode of The First Home Owners Program Podcast, host Maryanne Elliott reveals the often-overlooked costs of buying your first property. Learn why your deposit is just the beginning and how working with a mortgage broker can help you budget accurately for your...
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Episode 98 - Conquering Property Market Fear
Overcoming First Home Buyer Fear: Your Guide to Taking the Property PlungeDescription: In this episode of The First Home Buyers Program, host Maryanne Elliott tackles the biggest obstacle preventing potential homeowners from entering the market – fear. Drawing on her 20+ years of experience in…
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Episode 97 - Building & Pest with Les from Resi Inspections
In this episode of The First Home Buyers Program Podcast, we sit down with Les from Resi Inspections to unpack one of the most important—but often overlooked—steps in the home buying journey: the building and pest inspection. You'll learn: What a building and pest inspection actually includes Why...
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Episode 96 - Rentvesting with Janet from Capstone Property Solutions
📝 Show Notes – Episode 2: Rentvesting with Janet from Capstone Property Solutions In this episode, I sit down with Janet from Capstone Property Solutions, who shares her knowledge around one of the most flexible and creative strategies for first home buyers—rentvesting. We cover: What…
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Episode 95 - What Every First Home Buyer Needs to Know
In this episode, I walk you through the essentials every first home buyer should understand before they jump into the market. Whether you're months away from buying or just getting started with saving a deposit, this is your foundation. You'll learn: What the home buying journey really looks like...
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Episode 94 - All Things Property with Chris Liu – Part 2
We’re back with Part 2 of our conversation with Chris Liu from Chris Liu Real Estate, and this episode is all about strategy for first home buyers. In this follow-up chat, we go deeper into the practical side of buying your first home—from making a strong offer to dealing with real estate agents...
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Episode 93 - All Things Property with Chris Liu – Part 1
In this episode of The First Home Buyer Program Podcast, we sit down with Chris Liu from Chris Liu Real Estate to talk all things property—specifically through the lens of first home buyers. Chris shares his expert insights into the current Australian property market, what first home buyers…
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Episode 92 - The Money Mindset Shift That Will Help You Save Faster
Description: What if the biggest thing holding you back from saving for your first home… wasn’t your income or your expenses, but your mindset? In this episode, Maryanne dives into the powerful connection between your thoughts and your bank account. You’ll learn how the way you think about money...
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Episode 91 - How to actually stick to a budget (Even When Life Gets in the Way)
You’ve finally created a budget that makes sense… and then life throws you a curveball. A birthday dinner, a surprise bill, a weekend away—sound familiar? In this episode, Maryanne dives into why sticking to a budget is one of the trickiest parts of saving for a home, and how you can stay on…
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Episode 90: The Secret to Creating a Budget That Works (Without Hating It)
Description: Let’s be honest—budgeting has a bit of a bad reputation. But what if it didn’t have to feel restrictive, overwhelming, or just plain boring? In this episode, Maryanne shares a practical and super simple way to create a budget that actually works for your life (and doesn’t make you…
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Episode 89 - Why saving feels so hard (and how to change that)
🎙 Episode 1: Why Saving Feels So Hard (And How to Change That) The First Home Buyers Program Podcast – with Maryanne Elliott Description: Saving for your first home deposit can feel impossible—especially when life keeps throwing expenses your way and your social feed is filled with everyone…
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Episode 88 - First Home Buyer Secrets: Refinancing Without the Hidden Trap
This week we cover off on something that wont seem important now but trust me when I say, future you will be so glad you listen to this.... 👉 Not sure how much you should be repaying? No problem! Jump onto the Loan Repayment Calculator at 360 Mortgage Solutions. It’ll show you what your…
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Episode 87 - Part two A First Home Buyer’s Guide with Fern Walcott
Buying your first home is one of the biggest financial decisions you’ll ever make. With so much information (and misinformation) out there, it’s easy to feel overwhelmed. That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down…
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Episode 86 - Part one A First Home Buyer’s Guide with Fern Walcott
Buying your first home is one of the biggest financial decisions you’ll ever make. With so much information (and misinformation) out there, it’s easy to feel overwhelmed. That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down…
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Episode 85 - Buying Your First Home When You’re Self-Employed – Part 2
🎙 Episode Summary: Welcome back to Part 2 of our conversation with Phillip Knowles, where we continue unpacking everything self-employed first home buyers need to know!In this episode, we go beyond the basics and dive into the practical strategies that can make your home loan application…
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Episode 84 - Buying Your First Home When You’re Self-Employed – Part 1
🎙 Episode Summary: Are you self-employed and wondering if buying your first home is even possible? In this special two-part episode of The First Home Buyer Program Podcast, I sit down with [Guest’s Name], a finance broker who specializes in commercial lending for self-employed clients.We dive…
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Episode 83 - How Much Deposit Do You Actually Need?
📌 Episode Summary: Buying your first home? You might be wondering how much deposit you actually need to get started. In this episode, we break down the deposit requirements, how lenders assess your savings, and the different government schemes that can help you buy with as little as 5%. Key...
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Episode 82 - How to Navigate Valentine’s Day on a Budget While Saving for a Home
Celebrate love this Valentine’s Day without breaking the bank! Discover budget-friendly ideas to enjoy the day while staying on track to buy your first home. Links: Join the First Home Buyer Mini Course:...
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ABOUT THIS SHOW
If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work and how you can save yourself thousands. Either way this podcast is for you. I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.
HOSTED BY
Maryanne Elliott
CATEGORIES
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Frequently Asked Questions
How many episodes does The First Home Buyers Program have?
The First Home Buyers Program currently has 131 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The First Home Buyers Program about?
If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work and how you can save yourself thousands. Either way this podcast is for you. I will be sharing all things Home loans and Finance to educate you so...
How often does The First Home Buyers Program release new episodes?
The First Home Buyers Program publishes regularly with 131 episodes available. Check the episode list for the typical release schedule.
Where can I listen to The First Home Buyers Program?
You can listen to The First Home Buyers Program on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The First Home Buyers Program?
The First Home Buyers Program is created and hosted by Maryanne Elliott.
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