Your Finance Lounge

Starting the year with your finances doesn’t need to feel overwhelming.In this episode of Your Finance Lounge, Teressa shares a calm and practical reset to help you approach your money with more clarity and confidence. We cover three simple financial foundations worth revisiting, a brief and grounded market update, and how preparation — not perfection — leads to better outcomes.You’ll also hear how Your Finance Lounge can support you through education, resources, and finance consultations, plus what’s coming this year across workshops, courses, and future podcast episodes.If you’re looking for a clear, no-jargon way to reset your finances and feel more in control this year, this episode is a great place to start.Key Takeaways✔ Clarity beats avoidance when it comes to money✔ Flexibility matters more than perfection✔ The right structure can make a long-term difference✔ Preparation creates confidenceExplore free guides, courses, and finance support at:👉 yourfinancelounge.com.au If you’d like help reviewing your current loan or planning your next step, you can also book a finance consultation through the website.If you enjoyed this episode:Follow or subscribe to Your Finance LoungeShare it with someone who might benefitSend through topic suggestions for future episodesHelpful ResourcesStay Connected

Ever wondered how to cut years off your mortgage and save thousands in interest? In this episode, Teressa breaks down the practical steps you can take to reduce the total cost of your loan, without drastically changing your lifestyle.From making the most of your offset account and redraw facility to adjusting your repayment frequency and scheduling regular loan reviews, these simple strategies can make a huge difference over time.Whether you’re just starting out or already a few years into your home loan, this episode will give you clear, easy to action tips to help you get ahead financially, and own your home sooner.✨ Tune in and learn how small changes can lead to big savings.If you would like to have your loan reviewed reach out to us at yourfinancebroker.co

🎙️ Episode: First Home Buyer Boost — Schemes, Grants & Government SupportBuying your first home is one of the biggest financial steps you’ll ever take — but it doesn’t have to feel out of reach. In this episode, I unpack the government schemes, grants and concessions that are designed to give first-home buyers a helping hand.From 1 October, the First Home Buyer Scheme is expanding, allowing more Australians to purchase with just a 5% deposit and no lenders’ mortgage insurance. I’ll break down exactly what’s changing, plus explore other key benefits like the First Home Owner Grant, Stamp Duty concessions, and the First Home Super Saver Scheme.We’ll also bust some of the biggest myths that often hold buyers back — like needing a full 20% deposit or missing out because you earn “too much.”Whether you’re actively house hunting or just starting to dream about your first home, this episode will give you the clarity and confidence to understand what support is available — and how it could save you thousands.✨ Ready to explore your options? Let’s dive in.Reach out if you are ready to chat further about your options.Yourfinancebroker.co

In this episode of Your Finance Lounge, I’m joined by the incredible Kerry Sainsbury — Director of Credit Success and a passionate advocate for financial education.With over 20 years in the banking and credit industry, Kerry brings deep knowledge and lived experience to this conversation. We dive into what your credit report really means, common myths (like whether you need a credit card to build your score), and the biggest mistakes people unknowingly make when it comes to their credit.Kerry also shares practical steps to protect your credit, rebuild after financial setbacks, and why education — especially for young people — is key to long-term financial wellbeing.Whether you're new to the world of credit or looking to improve your score, this episode is full of simple, empowering insights.Listen in and take your first step toward credit confidence.Don't forget to check out Kerry's website and her Ebook on how to get a healthier credit report. CreditSuccess.com.au

In this episode, I break down why pre-approvals are one of the most important steps in the home buying journey. From giving you confidence and clarity around your budget, to helping you stand out in a competitive market — we’ll chat about how a simple pre-approval can put you ahead of other buyers.I’ll also explain how that first conversation with a broker can uncover potential grants, schemes, or stamp duty savings you didn’t even know you were eligible for.Whether you’re a first home buyer or just getting back into the market — this episode is for you.

In this episode of Your Finance Lounge, Teressa chats with Dione Payn, founder of High Impact Property Investments and author of E.T.H.I.C.A.L Property Investing. Dione shares her journey from finance to social impact, how she’s helping more women into safe and inclusive homes, and why ethical investing doesn’t mean sacrificing returns.They unpack: • What makes a property investment truly ethical • How Dione’s E.T.H.I.C.A.L. framework works • The biggest challenges in the affordable housing market • How everyday investors can be part of the solution • Why women need to be leading the charge in values-based investingThis episode is for anyone who wants to do good and build wealth.Connect with Dione:https://www.linkedin.com/in/dionnepayn/women4homes.com

Today we’re diving into some important updates and helpful insights if you’re considering building a modular home in 2025.We’re seeing exciting shifts in how policies, lenders, and construction processes are aligning to make modular living more accessible—and way less confusing.In this episode, I’m going to break down:What’s changed with progressive payment policies,What lender options you now have for modular builds, • • And how our own process supports you from pre-approval to the final handover. to organise a chat.#modularhomes #modularbuild #modularAustralia

In this episode we cover off on the current rates and what strategies you may like to put in place to leverage yourself in the current climate.Whether you are looking at buying, selling or refinancing, listen for some practical tips to help give you a head start on your finances.Find more resources at yourfinancebroker.co

Christmas is usually the busiest time of the year. Not only are our weekends booked up with celebrations, but our wallets are open with funds seemingly flying out. Although we may have left it a little too late for some of these tips, I wanted to get in to help you start preparing for next years silly season. From giving gifts to thrifting, I hope you find a tip or two in this episode to turn your Christmas into a Thriftmas!

Variable rates can be great if flexibility is key for your goals. But did you know there are a couple of different variable products your lender may offer? Today's episode is a run through of a couple of different variable options on offer and their pros and cons, to help you find one that suits your needs. If you would like to chat about your individual circumstances, please feel free to book in a chat. https://calendly.com/yourfinancebroker/finance-consultation yourfinancebroker.co

This episode I share with you some tips to help increase your borrowing capacity. I also note some of the free guides that we have on our website. You can discover a guide that suits you at Home - Your Finance Broker Please feel free to reach out if you would like some guidance or like to share your finance story.

Today's guest is Money Coach and Finance Educator, Gemma Mitchell from Bent Not Broke. Gemma helps her clients through the transition stages of their finance journey and has taken a particular interest in helping clients through separation due to her own personal experiences. We cover off on the important topic of navigating finances through separation. Some key points- * Who is the right specialist to talk to? * Having financial independent and what that may look like for you. * Creating a safety net of people around you who can help you achieve your finance goals. * What a Money Coach is and how Gemma can assist at Bent Not Broke. If you have any questions about today's episode or you would like to find out more about resources available, please reach out. Teressa Senior Finance Broker Your Finance Broker

This episode we cover off on some of the pros and cons of fixed and variable type loans. Find out when and why you might choose these types of rates and the inside tips on how to choose. You can also find out more about the loan types Different Loan Types - Your Finance Broker If you would like to find out more, please feel free to reach out to us yourfinancebroker.co.

Navigating through separation can be overwhelming. We wanted to share this episode to help guide you to first steps and get an understanding on what the process may look like. Our podcast is based on our opinions only and it is always recommended you seek legal and specialist advice.

This week we chat about a topic I'm very passionate about. Modular home finance. I have been lucky enough to work with some great modular builders and lenders over the last two years, to help clients fund their dream homes. As modular finance can be a little involved, I wanted to put together this episode with some tips to help you along your modular journey. Please feel free to reach out at any time if you would like any guidance. Yourfinancebroker.co

This one's for our business listeners. This week we are joined by the Managing Director of Imperium Corporate Service, Christine Genocchio. Christine is experienced in bookkeeping, HR, BAS and compliance for your business. as we are approaching tax time, I thought it would be great to cover off on some items to help you get tax ready and learn tips to manage your finances better. We chat about - - Why keeping your books up to date will save you time and money at tax time - The things you need to know when changing from sole trader to a company - What to look for when seeking an accountant You can head to Bookkeeping, Human Resources - Imperium Corporate Services (imperiumcs.com.au) to find out more about Christine and her amazing team.

This week we chat about the hot topic of refinancing. Is it for you? What are the benefits and costs? Please note that everyone's personal circumstances are different and its always best to have a one-on-one discussion to see what options are available to you. Yourfinancebroker.co Music credit Audrey Rossie

This week we are joined by the amazing Keeta Gibson from Ocean Buyers Agency. Keeta shares with us how a Buyer's Agent can help you get your dream property. She also shares with us a bit of a market update for the Sunshine Coast, and some great tips of what to look for when relocating or trying to find the best suburb for you and your family. You can connect with Keeta at Ocean Buyers Agency Sunshine Coast - Trusted Independent Agent We hope you enjoyed today's episode.

On today's episode we cover off on one of most frequently asked questions.... How do brokers get paid. We cover off on how we get paid and also a little more about our consultation process, so you know what to expect.

Todays episode we are joined by Clair Styles from⁠ C Legal and Co⁠ who is a highly experience Lawyer in estate planning, asset protection and litigation for real-estate as we chat about how to protect your interest when purchasing a property with a friend or family, protecting your assets long term and also when you should be thinking about estate planning. If you would like to find out more about Claire and her business head to C Legal and Co⁠ . ** We had a little tech issue today and some parts of the interview glitch out on my end, but the content was too good not to share** Loving this episode? Make sure you hit subscribe to get all of our episodes hot off the press.

Today's episode is filled with tips on how to save money on your everyday banking to help put more money in your pocket. For some extra guidance on budgeting and planning, reach out ⁠Budgeting and Savings Planning - Your Finance Broker