My First Home Buyer Mentor

First Home: Adding Value through Renovation      Thinking about buying your first home but unsure whether to go for a new build or take on a fixer-upper?   Join hosts Nicola and John Kefalianos in this insightful episode as they explore the world of home renovation for first-time buyers. They discuss the potential of buying an older property, adding value through renovations, and the financial benefits that come with it.   John shares his extensive experience in property development, offering practical tips on how to identify renovation opportunities and navigate the financing process.   Whether you're considering your first home or looking to build equity, this episode is packed with valuable advice on how to make smart property decisions.   Tune in to learn how to turn a run-down house into your dream home while maximising your investment potential!     Check out the FinanceLab calculator here: https://www.financelab.com.au/calculators-extra-repayments/   Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/     Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Your First Home in Adelaide   Are you curious about the best suburbs for first home buyers in Adelaide? In this episode of their podcast, hosts Nicola and John Kefalianos explore the top locations where buyers on a budget can get their foot in the property market. With a deposit as low as $42,000, they uncover three affordable suburbs that could help make homeownership a reality in 2025.   From the charming suburb of Kurralta Park to the up-and-coming area of Keswick, and the more spacious options in Munno Para, they provide valuable insights into what potential buyers can expect in terms of pricing and income requirements.   Join Nicola and John as they guide first home buyers through the possibilities of owning a home in Adelaide, making the dream of homeownership more achievable than ever.   Don't miss out on their expert tips and advice, and tune in to this episode!       Check out the FinanceLab calculator here: https://www.financelab.com.au/calculators-extra-repayments/   Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Buying Your First Home in Melbourne   Where in Melbourne can you buy your first home with a deposit as low as $21,000?   In this episode, Nicola and John Kefalianos explore three suburbs that could be the unexpected key to cracking the property market in 2025 — including one just 4km from the CBD. If you're a first home buyer who thought property was out of reach, this could change your perspective.   They break down real listings — comparing apartment versus house options — and explain the exact deposit, income and loan amounts needed to get started. From the impact of Victoria’s government guarantee scheme to bait pricing strategies, they walk you through all the essentials.   With clear insights, practical examples, and a positive outlook for first home buyers, Nicola and John prove it's still very possible to get on the property ladder — even in Melbourne. If you're earning over $60,000 and have saved even a modest deposit, this is a must-watch.       Check out the FinanceLab calculator here: https://www.financelab.com.au/calculators-extra-repayments/     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.  See omnystudio.com/listener for privacy information.

Top 3 First Home in Brisbane with a $23,000 Deposit     Where in Brisbane can you buy your first home with a deposit as low as $23,000?   In this episode, Nicola and John Kefalianos uncover three budget-friendly suburbs where first home buyers can break into the market without breaking the bank. They explore real property examples that are well-located, move-in ready, and full of future potential.   They break down the key numbers: purchase prices, deposit amounts, income requirements, and how to maximise the benefits of Queensland’s no stamp duty policy for first home buyers. Whether you're buying solo or as a couple, they show how achievable homeownership can be with the right planning and approach.   If you're looking to make your move in 2025, this episode is packed with timely advice, clear insights, and encouragement to help you take that first step. Don’t miss it!     Check out the FinanceLab calculator here: https://www.financelab.com.au/calculators-extra-repayments/     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

The One Trick That Could Halve Your Mortgage Term    Looking for ways to pay off your mortgage faster and save thousands in interest? In this episode, Nicola and John Kefalianos explore simple yet effective strategies that can dramatically reduce your home loan term. They challenge the idea that you need major lifestyle changes to make a difference—sometimes, just an extra $50 a week can shave years off your mortgage.   John, a property investor and mortgage broker, explains how small, consistent additional repayments can lead to big financial wins over time. He walks through real-life scenarios, such as how a first home buyer with a $475,000 loan can significantly cut down both interest paid and loan duration by contributing an extra $50 to $265 weekly.   The duo also highlights why keeping repayments high when interest rates drop can be a smart move. They offer practical tips on generating extra cash, like renting out a spare room or trimming back on non-essential expenses, that can be redirected into your mortgage.   Ready to fast-track your journey to financial freedom? Tune in now to hear Nicola and John’s expert tips and learn how small sacrifices today can lead to big rewards tomorrow.   Check out the FinanceLab calculator here:  https://www.financelab.com.au/calculators-extra-repayments/   Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.  See omnystudio.com/listener for privacy information.

Breaking Down the First Home Guarantee Scheme   Are you holding off on buying your first home because you think you need a 20% deposit? In this enlightening episode, Nicola and John Kefalianos bust that myth and reveal how you could get into the property market with as little as a 5% deposit—thanks to the First Home Buyers Guarantee Scheme and other government incentives.   They break down the varying property purchase thresholds across Australia, discuss the implications of stamp duty, and provide real-life examples to illustrate how close you might be to owning your first home. Nicola shares her personal savings journey, revealing how she is just a step away from her goal.   Ready to take your first step toward owning a home? Tune in now and discover how acting sooner could save you money and help you get ahead in the property market.   Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Best First Home Opportunity in Australia Looking to buy your first home? Join Nicola and John Kefalianos in this insightful episode as they uncover the surprising real estate opportunities emerging in Melbourne—making it an ideal time for first-time buyers to enter the market.   The hosts share three compelling examples of affordable properties, including a $260,000 apartment in the heart of the CBD, a stylish $400,000 loft, and a modern townhouse for $440,000. With low deposits and income requirements, Nicola and John highlight how young Australians can achieve their dream of homeownership.   Tune in to discover why 2025 could be the perfect year to buy a property in Melbourne—and take the first step towards securing your future today!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How Renting a Room Can Boost Your Home Loan Capacity     Thinking about buying your first home but not sure how recent changes might affect you?   In this episode of their podcast, Nicola and John Kefalianos discuss exciting new policies from the Commonwealth Bank aimed at helping first home buyers enter the property market.   They explain how renting out a spare room can significantly increase borrowing capacity, allowing individuals to borrow an additional $50,000 by simply renting a room for $150 a week.   John elaborates on the benefits of HECS debt management and how to reduce the buffer rate from 3% to 1%, leading to a substantial increase in borrowing potential. They also touch on the recent government promise to reduce HECS debts by 20%, further aiding first home buyers.   Watch this episode for practical advice and the latest financial strategies to help you succeed in today’s property market.     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How to Find Properties Below $500k     Are there still properties under $500k? How can you easily find them?   Nicola and John Kefalianos guide listeners through the often-daunting process of finding properties under $500,000 in Australia. They reveal effective search techniques on realestate.com, encouraging viewers to expand their search beyond specific suburbs to uncover hidden opportunities.   With practical tips for filtering properties by state, price, and type, John demonstrates how to utilise map views to identify potential homes in desirable areas. The episode features searches in South Australia, Victoria, and New South Wales, showcasing how to navigate the platform with ease.   Listeners will discover how to save their favourite properties and set up notifications for new listings, making their property search more efficient and focused. Whether you're a first-time homebuyer or just exploring the market, this episode is packed with valuable insights to help you on your journey to homeownership.   Click on this episode now and learn how to transform your property search!     Chat with John about how much you can borrow: [email protected] Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Open Home Checklist: Inspection Tips     What are the things that you should look out for when going through an open home to minimise future liabilities?   Join Nicola and John Kefalianos in this informative episode, where they unveil a straightforward, open home checklist for first-time buyers. Discover essential tips on what to inspect during an open home, from checking for structural integrity to ensuring appliances are in working order.   John shares valuable insights on how to identify potential issues and the importance of asking the right questions to real estate agents. These empower listeners to approach their next open home with confidence.   Don't miss out on these simple yet effective steps to safeguard against unexpected expenses when buying your first home—click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How To Make An Offer      How do you actually make an offer to buy a property, and what are the essential tips that you need to know before doing so?   In this insightful episode, Nicola and John Kefalianos break down the often daunting process of making an offer on a property. With John's expertise as a mortgage broker and developer, they explore the key components of a letter of offer, including how to fill it out correctly, the significance of a reasonable offer amount, and the importance of a solid deposit.   Listeners will discover tips on how to communicate effectively with real estate agents and understand the implications of settlement dates.   Whether you're a first-time buyer or just looking to refresh your knowledge, this episode is packed with practical advice to help you navigate the property market with confidence. Don't miss out-click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

City Unit vs Suburb House: Which One Should You Buy?   What are the pros and cons of buying a house in the suburbs versus buying an apartment unit in the city?   Join Nicola and John Kefalianos in this insightful episode as they explore the crucial decision facing first home buyers: Should they invest in a unit in the city or a house in the suburbs?   In this episode, John shares the pros and cons of both options, discussing the affordability and lifestyle benefits of city units, as well as the spaciousness and potential for capital growth that comes with suburban houses. They also highlight important factors like strata fees, parking limitations, and the impact of lifestyle choices on this decision.   Whether you're a young professional, a growing family, or looking to downsize, this episode offers valuable insights tailored to your unique situation. Don't miss out on the expert advice that can help you navigate the property market with confidence—click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/           Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.  See omnystudio.com/listener for privacy information.

What You Need to Know About The Auction Process   What are the things that you need to know about the auction process?   Join Nicola Kefalianos in this enlightening episode as she chats with Jamie King, a seasoned auctioneer, head of Belle Property in South Australia, and Director of Auction Time. They explore the ins and outs of the auction process, offering essential tips for first home buyers.   From understanding the importance of cash unconditional pre-approvals to the necessity of building inspections, Jamie shares his expertise to help listeners feel confident and prepared. Discover how to bid with intent and navigate the auction day, including what to do if the auction pauses.   Whether you're a first-time buyer or just curious about the auction process, this episode is packed with valuable insights that will turn your nerves into excitement. Don't miss out on the chance to learn how to secure your dream home at auction—click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/   Belle Property:https://www.belleproperty.com/   Auction Time:https://auctiontime.net.au/           Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.  See omnystudio.com/listener for privacy information.

The Impact of Interest Rate Drops to Your Borrowing Capacity     If interest rates are set to drop, what is its impact on home buyers?   In this insightful episode, Nicola and her father, John Kefalianos, delve into the exciting prospect of falling interest rates and how they could significantly enhance borrowing capacity for first-time homebuyers.   They break down two scenarios: a 0.5% rate cut that could allow buyers to borrow an extra $30,000, and a more substantial 1% cut that could increase borrowing power by up to $80,000.   Join them as they discuss the differences between banks and what these changes could mean for the housing market. With expert insights and practical advice, this episode is a must-watch for anyone looking to navigate the property landscape in the coming years.   Will lower rates lead to a better home for you? Click on this episode to find out!       Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Steps in the Building Process    What are the essential tips first home buyers need to know about the building process?   Join Nicola Kefalianos in this informative episode as she chats with David Hillman from Fairmont Homes. They explore the ins and outs of building a first home, addressing common questions like whether to buy land first and how to choose the right design on a budget.   David shares expert tips on getting the most bang for your buck, the importance of fixed-price contracts, and what to consider when purchasing land.   With a focus on transparency and planning, this episode is a must-watch for anyone looking to navigate the building process with confidence. Click on this episode now to learn more!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/   Fairmont Homes:https://fairmonthomes.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How Much Can I Borrow? What Every First Home Buyer Should Know   How much can you borrow when buying property, and how can you maximise your borrowing capacity?   Join Nicola and her dad, John Kefalianos, in this insightful episode as they break down the concept of borrowing power, revealing how it varies from person to person based on income, expenses, and liabilities.   With real-life examples, they demonstrate the significant differences in borrowing capacity between various lenders and the impact of reducing personal debts.   Discover the advantages of living at home with parents and learn about parental guarantees that can help first-time buyers enter the property market.   Whether you're a couple or a single looking to invest, this episode is packed with essential tips and strategies to maximise your borrowing potential. Don't miss out on this valuable information that could change your financial future—click on this episode now!       Chat with John about how much you can borrow: [email protected] Lab: https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.  See omnystudio.com/listener for privacy information.

How Interest Rates Impact Your Mortgage in Australia     What are interest rates, and how do they impact your mortgages?   Join Nicola and her dad, John, in this insightful episode as they break down the complexities of interest rates and their profound impact on mortgages. Discover how the Reserve Bank of Australia controls the cash rate and what that means for your home loan repayments.   They discuss the current interest rate landscape, the effects of inflation, and how even minor fluctuations can significantly alter your monthly payments. Should you choose a fixed or variable rate? John shares expert advice on the benefits and drawbacks of each option, helping you understand how to make the best decision for your financial future.   Whether you're a first-time homebuyer or looking to refinance, this episode is packed with valuable information to guide you through the mortgage process. Don't miss out on their tips for working with finance brokers to ensure you make informed choices. Click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/           Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Rentvesting: Living Where You Want, Investing Where You Can Afford     What is rentvesting and who is it for?   In this insightful episode, Nicola and her dad, John, explore the innovative strategy of rentvesting, which allows individuals to live in their dream suburb while investing in properties they can afford. John, a seasoned mortgage broker and property investor, shares his expertise on how this approach can be a game changer for first home buyers and young professionals.   Discover the benefits of renting in a desirable area without the hefty price tag of buying a home while still building wealth through investment properties. They discuss key concepts like property yields, tax advantages, and how to select the right investment property for maximum returns.   Whether you're a first-time buyer or simply curious about the property market, this episode is packed with valuable tips and strategies to help you make informed decisions. Tune in to learn how rentvesting can provide the lifestyle you desire while setting you up for long-term financial success!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

The Three L's of Property Investment: Location, Land, and Looks   What should you look for when buying your first property?   Join property expert Peter Koulizos in this enlightening podcast episode as he shares his wealth of knowledge on buying your first home or investment property. With over 40 years of experience, Peter discusses practical strategies for entering the property market, including the importance of saving and making sacrifices. He explains various government grants available to first-home buyers and introduces the concept of shared equity with the government.   Listeners will learn about the critical factors to consider when purchasing a property, including the "three L's": location, land, and looks. Peter provides insights into the benefits of investing in gentrifying areas and why apartments may not be the best investment choice.   Whether you're a first-time buyer or looking to invest, this episode is packed with valuable tips and personal anecdotes that will help you navigate the property landscape. Plus, discover Peter's course at Adelaide University for those eager to deepen their understanding of property and valuation. Don't miss this opportunity to learn from a seasoned expert—click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/   Enroll to Peter Koulizos course "PROP 7005 - Introduction to Property and Valuation - Property, People and Profit:https://www.peterkoulizospc.com.au/education         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How to Avoid Hidden Costs When Building a House   What are the hidden costs that builders include, and how can you avoid them?   In this episode, Nicola and her father, John Kefalianos, explore the hidden costs of new home builds that can turn enticing low prices into unexpected financial burdens.   With John's extensive experience in building and mortgage brokering, they guide first home buyers through the complexities of what builders include in their quotes and what banks require for loan approval.   Discover the importance of asking the right questions about footings, driveways, landscaping, and more before signing any contracts. Learn about turnkey options that can simplify the process and ensure a smooth transition into your new home.   Don't miss this essential advice for anyone looking to build their dream home! Click on this episode now and empower yourself with the knowledge to navigate the home-building journey confidently.     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How Payments Work When Building vs. Buying a House   What are the differences in payments when buying a house as opposed to building one?   Join Nicola Kefalianos and her father, John Kefalianos, in this informative episode as they delve into the world of mortgage repayments and home building.   With over 100 homes built and thousands of loans created, John shares his expertise on the differences between traditional mortgages and construction loans.   They break down the stages of building, discuss the financial implications of building versus buying an established home, and explore various pathways to homeownership.   Whether you're considering a house and land package or buying off the plan, this episode is packed with essential tips and insights to help you make informed decisions. Don't miss out on this valuable discussion—click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Building Selection: Tips to Stay Within Budget and Add Value   How can you save money while still adding value to your property during building selection?   Join Nicola and her father, John Kefalianos, in this insightful episode as they explore the world of building selection for first-time home buyers. With John's extensive experience in constructing over a hundred homes, they discuss how to avoid the pitfalls of overcapitalising and ensure that your new property aligns with market expectations.   Discover essential tips on conducting market research, setting a firm budget, and making selections that enhance your home's value without overspending. From choosing the right finishes to understanding the importance of consistency in upgrades, this episode is packed with practical advice for anyone looking to build their dream home.   Whether you're a first-time buyer or just curious about the building process, this episode is a must-watch! Click on this episode now!     Chat with John about how much you can borrow: [email protected] Lab: https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

What Happens After You Buy a House? The Settlement Explained!     What are the final things you need to know before moving into your first home?   In this episode of their podcast, Nicola and her father John Kefalianos, a mortgage broker and property developer, dive into the essential steps of the property buying process, focusing on what happens after securing a pre-approval.   They discuss the concept of settlement, explaining how it involves the official transfer of property ownership from the vendor to the buyer. John outlines the roles of conveyancers and solicitors in this process, emphasising the importance of timely communication and organisation to avoid delays and potential penalties.   Listeners will learn about the settlement period, the necessary preparations before settlement, and the significance of arranging utilities in advance.   They also touch on the potential for delays from both the buyer's and vendor's sides, highlighting the financial implications of such delays.   Click on this episode now to learn more about ensuring a smooth settlement process!     Chat with John about how much you can borrow:[email protected]   Finance Lab:https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How to Negotiate with Real Estate Agents as a First-Time Home Buyer     Negotiating for your first property? Know the do's and don'ts!   In this episode, Nicola Keflianos, a Gen Z university student, teams up with her father, John Keflianos, a seasoned mortgage broker and property developer, to navigate the complexities of negotiating with real estate agents.   They discuss essential strategies for first-time homebuyers, emphasising the importance of thorough market research, understanding previously sold prices, and setting a budget for each property.   John also highlights an important tip to ensure that buyers remain in control of the process.   Click on this episode now to learn more about negotiating with agents!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

The Benefits of Buying Land and Building a House     Should you buy a house or buy land and build a house from scratch as your first property?   In this episode, Nicola Keflianos, and her father John, a mortgage broker and property developer, delve into the intricacies of buying land and building a home.   They discuss the various government subsidies available for first-home buyers, particularly in South Australia.   John explains the process of purchasing land, selecting a builder, and the financial aspects of construction loans, including the advantages of fixed-price contracts to avoid unexpected costs.   They also touch on the potential for customisation, capital growth, and the benefits of owning a brand-new property.   Click on this episode now to learn useful insights that will help you decide whether or not you should buy land and build a house!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/         Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

What You Need to Know About Cooling Off Periods When Buying Property   What are "cooling-off periods" when buying real estate?   In this episode of the podcast, Nicola Keflianos, and her father John, a mortgage broker and property developer, delve into this concept. They explore the differences in cooling-off rights across various states, including New South Wales, Victoria, Queensland, South Australia, Northern Territory, Tasmania, and Western Australia.   Listeners learn that cooling-off periods allow buyers a specific timeframe to withdraw from a contract after signing, with varying durations and conditions depending on the state.   The episode emphasises the importance of understanding these rights, especially for first-time homebuyers, and highlights the need for proper clauses in contracts to protect buyers. They also touch on the risks associated with buying at auctions, where no cooling-off period exists.   Click on this episode now for an informative discussion that equips potential homebuyers with essential knowledge about navigating the property market in Australia.     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Buying a House with Friends: Pros, Cons, and Strategies   There is an increasingly popular option of buying property, which is buying with friends or siblings.   In this episode, John and Nicola Kefalianos explore this option. With interest rates on the rise and borrowing capacity limited, many are looking for creative ways to enter the property market.   John, a seasoned mortgage broker and property developer, shares valuable insights on how pooling resources can lead to better quality investments and potential capital growth.   They discuss the importance of choosing the right partner, establishing shared goals, and preparing for potential risks, including how to handle situations where one party may struggle to make repayments.   If you're a first-time buyer or feeling overwhelmed by the property market, this episode is a must-watch! Discover how collaborating with a friend or family member could be the key to achieving your property dreams. Click on this episode now!     Chat with John about how much you can borrow:[email protected]   Finance Lab:https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Building Inspections 101: How to Avoid Costly Mistakes   How can you avoid future costly problems when buying your first property?   In this insightful episode, Nicola and her dad, John Keflianos, dive into the world of building inspections for prospective property buyers.   They discuss why every buyer, whether looking at new or old properties, should prioritise a professional inspection to uncover potential issues that could lead to costly repairs down the line.   John shares expert advice on what questions to ask inspectors, the common structural problems to watch for, and how to interpret the findings in a building report. He also highlights the importance of knowing when to walk away from a deal, especially for first-time buyers with limited budgets.   This discussion is packed with valuable tips and insights to help you navigate the property buying process confidently. Don't miss out on this essential guide to making informed decisions in real estate—click on this episode now!Chat with John about how much you can borrow:[email protected] Lab:https://www.financelab.com.au/Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Limited Borrowing Capacity? Guarantor Loans Explained   Did you know that there is a way to get into property investing early?   In this episode, John and Nicola Kefalianos discuss various options for first home buyers who may be limited in their borrowing capacity and deposits.   They explore the concept of using a guarantor, particularly parents, to secure a loan without needing a deposit.   The conversation also touches on the possibility of using other family members as guarantors, the risks involved if repayments cannot be met, and the growing trend of friends or siblings purchasing properties together to increase their borrowing power.    They emphasise the importance of having a clear exit strategy when entering into property share agreements.   Click on this episode now to learn how guarantors work so you can get into the property market earlier!Chat with John about how much you can borrow: [email protected] Finance Lab: https://www.financelab.com.au/Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Understanding Property Titles: Torrens, Strata, and Community Explained   What are the different types of property titles?   In this episode, John Kefalianos, a finance broker, property developer, and investor, breaks down the different types of property titles you need to know before making a purchase. From Torrens title, which gives you full ownership, to strata and community titles that come with shared responsibilities, John and his daughter, Nicola, cover it all!   They discuss the pros and cons of each title type, the costs involved, and what to look out for when buying a property.   Whether you’re considering a standalone house or an apartment, understanding these titles is crucial for making the right choice. Click on this episode now!     Chat with John about how much you can borrow:[email protected]   Finance Lab:https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Wants, Needs, and Won'ts: Defining Your Home Criteria     Did you know that calling-off rights vary by state? We’ll explain what that means for you as a buyer.   In this episode, John Kefalianos, a finance broker, property developer, and investor, shares his journey of buying his first home and all the essential tips he learned along the way with his daughter, Nicola. From understanding your budget and borrowing capacity to creating a list of your wants, needs, and deal-breakers, he covers it all!   They talk about the importance of compromise when it comes to finding the perfect property and how to effectively research the market. Plus, they'll share insights on the significance of building inspections and the tricky balance of finding something beautiful, close, and cheap.   Listen to this episode as they navigate this exciting process and equip you with the knowledge you need to make informed decisions in the property market. Click on this episode now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalized advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Understanding How Home Grants Work!     What if we told you, you can get free money from the government as a first time home buyer?   Yes, you heard that right! You can get a first home owner's grant depending on where you live in Australia. The kind of grant you will get varies from state to state.   For instance, in New South Wales, you could receive a $10,000 grant if you purchase land and build or buy a new house priced up to $750,000, but in Victoria, they offer a similar $10,000 grant for new properties, but with different stamp duty thresholds.   Queensland stood out with a generous $30,000 grant for first home buyers, which is three times the amount offered in New South Wales and Victoria.   Consult with a broker to navigate these options effectively. They can provide insights into government guarantee schemes that allow for borrowing up to 95% without lender's mortgage insurance, which could be a game-changer.   To really get the full grasp on how first home owner grants work click on this episode right now!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

Do This to Maximise Your Borrowing Power!      For you to be able to borrow as much as you can, you need to do these things to maximise your borrowing power!   Join John Kefalianos, a finance broker, property developer, and investor as he helps his daughter Nicola Kefalianos and first home buyers achieve their property goals.   This episode, they focus on maximising your borrowing power!   Emphasising that there are several things you can do in order to increase what you can borrow from the banks.   And remember! Not all banks are made the same. There are first-tier lenders, which are the major banks; they may be the safer choice but can potentially offer less than second-tier lenders, who are the lesser-known banks who can potentially offer you more but may offer higher interest rates.   For you to be able to fully grasp and understand how to maximise your borrowing power and understand how banks assess borrowing, you need to click on this episode today!     Chat with John about how much you can borrow: [email protected]   Finance Lab: https://www.financelab.com.au/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalised advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.See omnystudio.com/listener for privacy information.

How to Start Saving for a Deposit!     Wanna know how to save for a deposit? Well you've come to the right show!   John Kefalianos, a finance broker, property developer & investor helps his daughter Nicola Kefalianos and first home buyers achieve their property goals.   This time, focusing on ways to save for a deposit through various different strategies discussed in the episode.   John tackles the topic of understanding deposit requirements where there is a difference between a primary residence and investment property account.   They also touch on the subject of government grants & schemes and also lenders mortgage insurance.   Not only are there actual saving tips on this episode but there is a wealth of knowledge within how to better understand your finances and deposits.   To really get a full understanding on how to save for a deposit, click on this episode today!     Chat with John about how much you can borrow: [email protected]   Finance Lab:  https://www.financelab.com.au/   Loan Repayment Calculator: https://www.financelab.com.au/calculators-loan-repayments/       Disclaimer: This podcast provides general information only and is not legal, financial, or professional advice. Listeners should seek personalized advice from licensed professionals for their individual circumstances. The hosts and guests are not liable for actions taken based on this content. Opinions expressed are those of the hosts and guests, not any official institution.  See omnystudio.com/listener for privacy information.