The First Home Buyers Program

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 episode, we unpack what’s really going on and shift the focus away from short-term fear… and onto long-term strategy. Because buying your first home isn’t about perfectly timing the market, it’s about putting yourself in a position to move forward with confidence. What We Cover 😟 Why the Market Feels So Scary Right Now We talk about the common fears first home buyers are experiencing, including:“Have I missed my opportunity?”“What if I buy at the wrong time?”“Should I wait until things settle?”If you’ve had any of these thoughts, this episode is for you. 🔄 The Mindset Shift You Need to Make One of the biggest takeaways from this episode is learning to shift from:A short-term view of the markettoA long-term property strategyBecause focusing on what’s happening right now can often hold you back from making progress. ⏳ Why You Can’t Time the Market We break down why trying to “pick the perfect time” rarely works and can actually cost you more in the long run. The reality is:The market is always changingNo one can predict it perfectlyWaiting can sometimes move you further away from your goal🏡 Property is a Long-Term Game Your first home isn’t just about today, it’s about:Your future financial positionBuilding equity over timeCreating stabilityWe share real perspective on how buyers who felt nervous at the time are now grateful they took action. ⚖️ The Risks of Waiting Waiting might feel like the safer option, but it can come with hidden downsides:Rising property pricesReduced borrowing powerStaying stuck in the rental cycleDelaying your long-term goals💡 What Actually Matters More Than the Market Instead of focusing on headlines, we bring it back to what really matters:Your financial positionYour borrowing capacityYour goals and timeframeBecause when these are clear, the market becomes a lot less overwhelming. 🧠 Confidence Comes From Clarity When you understand your numbers and your options, everything changes. You move from:Feeling unsure and reactivetoFeeling confident and in controlKey Takeaway Don’t let short-term fear stop you from making long-term progress. The market will always have ups and downs, but your focus should be on your own journey and what’s right for you. 🎯 Your Next Step If you’re not sure where you stand right now, that’s completely normal. The best place to start is simply having a conversation. Once you understand your position, your options, and your next steps… everything becomes a lot clearer. Connect With Me📲 Follow along for more first home buyer tips💻 Check out the First Home Buyers Program - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c📅 Book a quick chat to understand your options and get started - https://link.teamos.ai/widget/bookings/maryanne-elliott-phone-meeting

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 trap of thinking you should “wait until things settle.”But here’s the truth: there will always be a reason not to buy.So how do you know when is the right time to buy your first home? Maryanne breaks it down in a practical, no-nonsense way — helping you shift your focus from external noise to what actually matters: your readiness.💡 What You’ll Learn in This Episode:Why trying to “time the market” can backfireReal-life lessons from buyers who delayed during COVIDThe hidden costs of waiting (it’s more than just price increases)How rising property prices can impact your lifestyle long-termThe confidence trap that keeps renters stuckA powerful mindset shift to help you take actionA simple question to determine your readiness to buy🚨 Key Takeaway: The best time to buy isn’t when the market is perfect, because it never will be.👉 The right time to buy your first home is when:You have your pre-approvalYour deposit (or scheme eligibility) is readyYou feel personally readyYou find the right property🧠 Action Step: Ask yourself this powerful question: “What would need to be true for me to buy in the next 6–12 months?”Then reverse-engineer your plan from there.This simple exercise helps you move from feeling stuck → to taking control.🎓 Ready to Take the Next Step? If you’re not quite ready yet, that’s okay start building your confidence and knowledge with the First Home Buyers Program 👇 👉 Full First Home Buyers Program:https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c 👉 Book a Fee-Free Strategy Session:https://360mortgagesolutions.com.au/contact-us/📣 Final Thoughts: Waiting might feel safe… but it could be quietly costing you more than you realise. Start preparing now so you can confidently step into the market when you’re ready — not when the headlines tell you to be.

The First Home Buyers Program Podcast - The 3 Biggest Mistakes First Home Buyers Make (And How to Avoid Them)Episode DescriptionBuying 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 Podcast, mortgage broker Maryanne Elliott shares the 3 biggest mistakes first home buyers make and how to avoid them.You’ll learn why waiting until you “feel ready” can hold you back, why saving a deposit is only one piece of the puzzle, and why so many first home buyers think everyone else has it figured out when they actually don’t.If you’re planning to buy your first home in Australia and want to feel more confident about the process, this episode will help you take the next step with more clarity and less stress.In This Episode,You’ll Learnwhy waiting too long to speak to a broker can slow down your progresswhy focusing only on your deposit can be a mistakewhat lenders also look at besides your savingshow credit cards, personal loans, and spending habits can affect borrowing powerwhy confidence comes from getting the right guidance earlyThe 3 Biggest Mistakes First Home Buyers MakeWaiting until you “feel ready - Many first home buyers delay getting advice because they assume they need to have everything sorted first. In reality, speaking to a broker early can help you understand your borrowing power, deposit goals, and what steps to take next.Focusing only on the deposit - Saving a deposit matters, but it’s not the only thing lenders assess. Your debts, living expenses, repayment history, and overall financial position also play a big role in your home loan application.Thinking everyone else knows what they’re doing - It’s easy to feel behind when friends and family are buying homes, but many buyers are learning as they go.The difference is often that they asked questions early and got support through the process.Key TakeawayYou do not need to have everything perfectly figured out before starting your first home buying journey.The earlier you get advice, the sooner you can make a plan and avoid the mistakes that keep many buyers stuck.About Your HostMaryanne Elliott is a mortgage broker and founder of 360 Mortgage Solutions. After working for one of the major banks for over 13 years, she now helps first home buyers understand the lending and property process so they can buy sooner, with more confidence and less stress.ResourcesBook a 15-minute high-level phone chat:https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlHLearn more about The First Home Buyers Program:https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5cSEO Keywordsfirst home buyer mistakesbiggest mistakes first home buyers makefirst home buyer tips Australiabuying your first home Australiafirst home buyer podcasthome loan tips for first home buyershow to avoid first home buyer mistakesfirst home buyer help Australia

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 home buyers enter the property market sooner.The Help to Buy Scheme is a shared equity program where the government contributes a percentage of the purchase price of your home. This can reduce the amount you need to borrow and lower the deposit required to buy your first property. But is it the right option for you? In this episode, we break down:• What the Help to Buy Scheme is• How the shared equity program works in Australia• How much deposit you may need• The pros and cons of the scheme• Who the program is designed to help• What first home buyers should consider before applying If you’re planning to buy your first home in the next 6–12 months, understanding government schemes like this could make a big difference in your journey.The goal of this podcast is to help first home buyers feel confident, informed and prepared before entering the property market. Want to know what your options look like? Start with a quick 15-minute chat to understand your borrowing power and the government schemes you may qualify for.Book here:https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH About the Host Maryanne Elliott is a mortgage broker and founder of 360 Mortgage Solutions.After working for one of Australia's major banks for over 13 years, she now specialises in helping first home buyers understand the home buying process and get into the property market with confidence. To check out the First Home Buyers Program Course head here - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5cKeywords:Help to Buy Scheme Australia, first home buyer Australia, government schemes for first home buyers, shared equity scheme Australia, buying your first home Australia, first home buyer mortgage tips, how to buy your first home, property market Australia, first home buyer assistance Australia.

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 advice to bidding at auction without finance in place (yes, that really happens 😅). If you’re planning to buy in 2026 (or sooner), this episode will help you avoid costly errors and move forward with clarity and confidence. 🚩 The Most Common First Home Buyer Mistakes 1️⃣ Only Talking to Your Bank Speaking to your bank isn’t wrong… but it can limit your options. Banks can only offer their own products. They won’t tell you about:Government schemes they don’t participate inLenders offering better pricingAlternative structures that suit your situationIn this episode, I share a real story of a client quoted tens of thousands in Lenders Mortgage Insurance (LMI) by her bank – when she may not have needed to pay it at all through another lender. Lesson: A good mortgage broker looks at the whole market, not just one slice of it. 2️⃣ Relying on AI Instead of Experts Yes… we’re talking about ChatGPT 👀 AI is helpful. I use it. You probably use it. But when it comes to finance strategy, government schemes, lending policy, or legal advice – it can get it wrong. AI “hallucinations” are real, and I’ve had clients come to me with completely incorrect information about:First Home Buyer schemesDeposit requirementsStamp dutyLoan structuresIf it’s a loan question → ask your broker.If it’s a legal question → ask your conveyancer. Experts exist for a reason. 3️⃣ Bidding at Auction Without Pre-Approval This one makes my broker heart race 😅 When the hammer falls at auction, you’ve bought the property. There’s no cooling-off period. I share a story about clients who successfully bid at auction… before we had formal pre-approval in place. Thankfully it worked out. But it could have gone very differently. Before bidding at auction, you must:Have pre-approvalUnderstand your finance positionSpeak to your conveyancerKnow the risksAuctions are not the place to “hope for the best.” 4️⃣ Borrowing Your Maximum Capacity Just because the bank says you can borrow it… doesn’t mean you should. One of the biggest first home buyer mistakes is shopping at your maximum borrowing capacity instead of focusing on comfortable repayments. When interest rates move (and they do), stress increases quickly if you’re stretched. Instead:Look at repayments firstDecide what feels comfortableBuild buffer into your lifestyleConsider options like fixing if certainty helps you sleep at nightYour goal isn’t just to buy a home.Your goal is to enjoy living in it. 💡 My Two Biggest Pieces of Advice If 2026 is your year to enter the property market: ✅ 1. Get Educated Early Join the First Home Buyers Program and learn the steps before you’re under pressure to sign a contract. 👉 Full First Home Buyers Program:Enroll Here:https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5cThis program walks you through:Borrowing capacityGovernment schemesDepositsContractsPre-approvalsAuctionsSettlementSo you feel confident at every stage. ✅ 2. Focus on the Step in Front of You Don’t stress about settlement when you haven’t even spoken to a broker yet. Don’t stress about loan structure when you’re still saving your deposit. Property is a step-by-step journey. Incremental progress = long-term success. 🎧 Also Mentioned in This Episode I’ve launched a brand-new podcast with Bec Watson called Dollars & Distractions. If you want broader finance conversations (beyond just first home buying), go check it out and expand your financial confidence 💰 📢 Loved This Episode? If this episode helped you avoid costly first home buyer mistakes, please:Share it with a friendLeave a reviewSend it to someone who’s thinking about buying in 2026And if you're ready to take action…📅 Book a Fee-Free Meeting with the 360 Mortgage Solutions Team:https://360mortgagesolutions.com.au/contact-us/ Let’s make your first home journey strategic, confident, and stress-free.Meta Description (SEO Optimised) Avoid costly first home buyer mistakes with expert advice on borrowing capacity, auctions, government schemes, and working with the right mortgage broker.

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 how the right education and strategy can save you thousands (and a whole lot of stress). If you’re thinking about buying your first home now or in the future, this episode will help you feel clearer, calmer, and more confident about your next steps. 🏡 What You’ll Learn in This Episode: ✔ Why first home buyers often feel stuck and overwhelmed✔ The biggest mistake people make by going straight to a bank✔ The truth about deposits (and why you don’t always need 20%)✔ Common government grants and incentives first home buyers miss✔ How emotions can cost you money when choosing a property✔ Why your first home doesn’t need to be your forever home✔ How a structured first home buyers program puts you back in control 🎧 Who This Episode Is Perfect For:First home buyers who don’t know where to startRenters wondering if buying is actually possibleCouples saving for a deposit but unsure how much they needAnyone feeling overwhelmed by conflicting property advice🚀 Ready to Take the Next Step? If this episode helped you and you’re ready for clarity, support, and a step-by-step plan — here’s how you can get started: 👉 FREE First Home Buyer Mini CourseLearn the basics, understand your options, and stop guessing.🔗 Join here:https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx 👉 The Full First Home Buyers ProgramA complete roadmap from “Can I buy?” to “I’ve got the keys.”🔗 Enrol here:https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx 👉 Book a Fee-Free Strategy SessionChat one-on-one with the 360 Mortgage Solutions team.🔗 Book here:https://360mortgagesolutions.com.au/contact-us/ 🎙️ Don’t Forget If you enjoyed this episode:⭐ Subscribe to the podcast⭐ Share it with a friend thinking about buying their first home⭐ Tune in for more episodes designed specifically for first home buyers

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 equity… and wondering if you should be doing something with your mortgage. In this episode, I break down refinancing for first home buyers in simple terms—what it means, when it makes sense, and what you need to watch out for in 2026. Whether your fixed rate is ending soon or you’re just curious about your options, this episode will help you make informed, confident decisions about your home loan future. 🔍 What We Cover in This Episode:What refinancing actually means for first home buyersCommon myths (and truths) about refinancingSigns it might be time to look at a new loanWhat to be mindful of—like equity, timing, and feesWhy 2026 could be a smart time to refinanceHow to know if you’re getting a good deal💬 Quote of the Episode: “Your first home loan doesn’t have to be your forever loan.” ✅ Take the Next Step: 🎓 Want to learn more about home loans and refinancing?👉 Join our FREE First Home Buyer Mini Course 📲 Ready to review your current loan or explore refinancing options?👉 Book a fee-free meeting with 360 Mortgage Solutions 📢 Stay Connected: If you enjoyed this episode, don’t forget to subscribe, leave a review, and share it with a fellow first home buyer who might need to hear this!

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 homeowners!” If you’ve been told your borrowing capacity isn’t enough, this episode will help you see that you still have options — and that the dream might be closer than you think. ⭐ What You’ll Learn in This Episode: 1. How clearing debt can completely change borrowing capacity Maryanne walks through a recent scenario where a client had a decent deposit but high credit card and personal loan balances holding them back.You’ll hear:Why lenders heavily penalise debt in servicing calculationsHow using a portion of your deposit to clear debt can increase your borrowing capacityThe surprising before-and-after difference for this client2. How property share/co-buying helped two siblings get into the market sooner Buying alone wasn’t possible — but buying together was.In this story, Maryanne shares:How combining borrowing power opened up more optionsWhy co-buying can be a smart stepping stone to your long-term goalsHow the pair structured the loan and made the purchase work for both incomes and lifestyles3. How investing instead of buying to live in unlocked a realistic entry point Some clients can’t afford the suburb they want right now, but that doesn’t mean they can’t start building wealth.In this scenario, you’ll learn:How “rent where you want, buy where you can afford” changed everythingHow purchasing a more affordable investment property created a strategic entry into the marketThe longer-term plan we set up so they can upgrade into a home they love later💡 The Big Takeaway Low borrowing capacity doesn’t mean your dream is over — it simply means we need the right strategy. There’s almost always a path forward when you understand how lenders think and what levers can be pulled. 📌 Episode HighlightsThe ONE thing lenders care about most when calculating how much you can borrowWhy reducing debt can improve borrowing more than increasing your incomeWhen co-buying makes sense — and when it doesn’tWhy investing first is sometimes the smarter, faster moveThe mindset shift that helps buyers get into the market soonerReal results from real clients (no theory, no fluff)🎧 Listen Now This episode is perfect for:First home buyersSelf-employed buyersAnyone who’s been told “you can’t borrow enough right now”People feeling stuck or overwhelmed by lending rules🔗 Links & ResourcesBook an appointment with Maryanne: https://calendly.com/360mortgagesolutionsFollow along on Instagram & Facebook for tips🙌 If You Enjoyed This Episode… Please follow, subscribe, and leave a review — it helps more first home buyers find the guidance they need.

📄 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, what you really need to do (spoiler alert: it’s less than you think), and how to avoid common mistakes that can cause unnecessary delays or stress. Whether you're days away from settlement or just starting your property journey, this episode is packed with helpful, real-world advice that will give you peace of mind and a clear plan of action. 💡 In this episode, you'll learn:What actually happens on settlement day.Why taking the day off work might not be necessary.The key tasks you must complete in the lead-up to settlement.What can delay settlement—and how to create a contingency plan.Pro tips for picking up your keys, moving in, and planning renovations.Real-life stories from first home buyers (and what you can learn from them).🛠️ Resources & Links:🏡 Full First Home Buyers Program – Take control of your journey from pre-approval to settlement:👉 Enroll Here💬 Book a Free, Fee-Free Chat with the 360 Mortgage Solutions team:👉 Book Here🙌 Connect with Marianne:Website: 360 Mortgage SolutionsInstagram: @360mortgagesolutionsFacebook: 360 Mortgage Solutions🔑 Primary Keyword: Settlement Day for First Home Buyers 📣 Call to Action: 💥 Loved this episode? Share it with a friend who’s buying their first home, and don’t forget to subscribe for more first home tips every week!

🎉 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. 🔍 Whether you're a first home buyer or refinancing, getting this part right will save you money, stress, and time. 📌 What You’ll Learn:✅ How to confirm your loan repayments are correct💸 Why your direct debit setup matters🏦 How to structure your bank accounts for easier budgeting🔄 Tips for using your offset account to reduce interest🚨 What red flags to watch for in the first few weeks post-settlement🔗 Helpful Links: 👉 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here👉 First Home Buyer Mini Course (Free): Join Here👉 Full First Home Buyers Program: Enroll Here 💬 Want Help Reviewing Your Loan Setup? We offer personalised reviews to make sure your mortgage is optimised, your banking is structured, and you’re not losing money to simple setup mistakes. 📲 Contact us today or leave a comment with your questions! 📢 Don’t Forget to Like, Subscribe & Share! If this video helped you, hit like, subscribe, and share it with someone who just bought a home!

🏡 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 why the property market feels tougher than ever, what “choosing your hard” really means, and how you can start preparing right now even if you’re not ready to buy yet.You’ll learn practical steps to build confidence, save your deposit, and understand what lenders look for — so when the time comes, you’re fully prepared to step into the market.🧠 Key TakeawaysWhy mindset is the biggest challenge for first home buyers in 2025.The meaning behind “choose your hard” and how it applies to buying your first home.Smart ways to prepare before you’re ready to purchase — from saving a deposit to exploring rentvesting and co-buying.How education and preparation can help you buy sooner, with confidence and less stress.How The First Home Buyer Program can guide you step-by-step through the process.🔗 Resources & Links🎓 Join The First Home Buyer Program – Start learning what to expect, what lenders look for, and how to get your finances ready.📘 Free Mini Course – Get a taste of the program and start building your first home plan.📅 Book a chat with Maryanne: calendly.com/360mortgagesolutions💬 Connect with MaryanneInstagram | @360mortgagesolutionsFacebook | 360 Mortgage SolutionsWebsite | 360mortgagesolutions.com.au first home buyer Australia, how to buy your first home, mindset for first home buyers, saving for a deposit, preparing to buy a home, first home buyer tips, rentvesting, co-buying property, Maryanne Elliott mortgage broker, 360 Mortgage Solutions, The First Home Buyer Program.

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 choosing to co-borrowThe main benefits (borrowing power, shared costs, entering the market sooner)The drawbacks you need to watch out forPractical tips to make co-borrowing a success✨ If you’re considering co-borrowing as a First Home Buyer, let’s talk about the right structure for your situation. Book a chat with me via the link in the show notes: https://calendly.com/360mortgagesolutions

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 difference between fixed and variable home loansPros and cons of each option in 2025How to decide which suits your lifestyle and financial goalsWhy split loans could be a smart choice✨ Free resources to make your first home journey easier:👉 Join the Free First Home Buyer Mini Course👉 Enroll in the Full First Home Buyers Program👉 Book a Fee-Free Meeting with 360 Mortgage Solutions

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 mortgage. If you’ve ever felt like your paycheck disappears before it arrives, this episode is for you. What You’ll Learn in This Episode:Why buy now pay later accounts aren’t as harmless as they seem.How they can reduce your home loan borrowing capacity.The psychology behind why so many people fall into the BNPL cycle.Simple, practical steps to get out of the cycle and take back control of your money.How speaking with a mortgage broker can put you on the right track toward financial freedom.Quick Tips to Break the Cycle✅ Audit all your BNPL accounts.✅ Pay them down one at a time.✅ Switch to debit or cash for everyday spending.✅ Build a savings buffer for emergencies.✅ Get expert guidance if you’re planning to apply for a loan. Resources and Links Mentioned in This Episode🏡 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here🎓 First Home Buyer Mini Course: Join Here📘 Full First Home Buyers Program: Enroll HereFinal Thoughts Buy now pay later accounts might promise convenience, but they could be the reason you’re always living behind your paycheck—and the reason your dream home feels out of reach. Tune in now to learn how to break free from the cycle and set yourself up for long-term financial success.

📘 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 to know about the updated scheme — including unlimited places, the removal of income caps, and higher property price caps in every state and territory. Whether you’re about to buy or still saving your deposit, this episode will show you how to get ahead of the rush and take full advantage of the upcoming changes — before the market heats up. 🔍 In This Episode, You’ll Learn:What’s changing in the First Home Guarantee from 1 October 2025New property price caps for capital cities and regional areasWhy removing income caps opens the door to thousands more buyersWhat “unlimited places” really means — and how it affects demandWhy acting before October could put you ahead of the crowdHow to prepare now — and secure your spot before competition spikes🛠️ Useful Links & Resources:✅ Book a Fee-Free Meeting with 360 Mortgage Solutions🎓 Join the Free First Home Buyer Mini Course🚀 Explore the Full First Home Buyer Program📰 Read the Official Government Announcement📣 Subscribe & Share! If you found this helpful, please hit Subscribe, leave us a ⭐️⭐️⭐️⭐️⭐️ review, and share this episode with someone who's ready to buy their first home — or has been waiting for the right moment. 🔑 Primary Keyword: First Home Guarantee Scheme changes October 2025 📈 Secondary Keywords: First home buyer scheme update, unlimited places first home buyers, higher price caps first home guarantee, how to buy your first home 2025

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 understanding your partner’s money mindset builds trust.✅ How to align your shared goals to avoid future conflicts.✅ The importance of creating a joint financial game plan for success. Whether you’re saving for a deposit or already house-hunting, these conversations will set you up for a smoother and happier home-buying journey. 📌 Resources & Next Steps:Book your Fee-Free Meeting with 360 Mortgage Solutions → Book HereFirst Home Buyer Mini Course → Join HereFull First Home Buyers Program → Enroll Here💬 If you and your partner are ready to take the first step, start with these conversations — and let us help you make the numbers side easy.

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 three simple but powerful steps you can take now to prepare for the spring rush and give yourself the best chance of securing your dream home.You’ll learn:✅ How to work out your deposit or equity position before you start house hunting.✅ Why checking your eligibility for government grants and schemes could save you thousands.✅ The importance of having a fully assessed pre-approval to stand out in a competitive market.💡 August Special — Get The First Home Buyer Program for just $22 (lifetime access) using code SPRING25 at checkout:👉 Grab your course here 📅 Book a free chat with Maryanne or Tara to discuss your deposit, grants, or pre-approval:👉 Contact us here Follow 360 Mortgage Solutions for more tips:📸 Instagram: @360MortgageSolutions📘 Facebook: 360 Mortgage Solutions 

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 a first home buyer, without feeling overwhelmed or defeated. In This Episode You’ll Learn:Why "being behind" is just a mindset trapHow to assess where you're really at (without shame)What deposit you actually need (spoiler: it’s probably less than you think)Grants and support you might be eligible forHow small, consistent actions build real momentum🔗 Resources:Enrol in the $22 First Home Buyer ProgramCalendly Link to Book a Chat

🎧 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 they assess HECS debt, making it easier to qualify for a loan✅ What this means for your borrowing power and first home timeline✅ And how to take advantage of this moment with a huge discount on the First Home Buyers Program – now just $22 for a limited time 🎁 Limited-Time Offer – Just $22 (Normally $250) I’ve dropped the price of the full First Home Buyers Program to just $22 for one month only – exclusively for podcast listeners. This is the exact step-by-step course I created to walk you through: 💰 Saving your deposit🏠 Getting loan-ready📄 Making offers🔑 Navigating settlement💸 Saving thousands on your mortgage👉 Grab access here before it disappears:🎓 https://maryanne-elliott.mykajabi.com/offers/MGN9cHua/checkout🧠 Resources & Links✅ Enrol in the First Home Buyers Program – $22 for a limited time👉 https://maryanne-elliott.mykajabi.com/offers/MGN9cHua/checkout📩 Have questions? Reach out on Instagram: @maryanne.elliott💬 Leave a Review If this episode helped you, please consider leaving a quick review – it helps more people find the show and get the right support on their property journey. Thanks for listening, and remember: You’ve got this.

Podcast: The First Home Buyers ProgramHost: Maryanne ElliottEpisode 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 what to do right now to start your first home buying journey, even if you haven’t saved a cent yet. She shares practical tips, common mistakes to avoid, and the truth behind what most people get wrong when they delay getting advice. If you’re ready to stop feeling stuck and start making progress, this is the pep talk and plan you need.🧭 In this episode, you’ll learn:Why you’re not actually behind (even if it feels like it)What you can do today to start the home buying process—even with no depositHow comparing yourself to others slows you downThe #1 mistake most first home buyers makeMaryanne’s own first home story—and why she created this program for you💡 Links & Resources:👉 FREE Mini Course: The First Home Buyers Mini Course👉 The full Course: The First Home Buyers ProgramYour first step to understanding deposits, grants, and how to start your journey—without feeling overwhelmed.📲 Follow Maryanne on Instagram: @maryanne.360mortgages❤️ Loved this episode? Follow or subscribe to The First Home Buyers Program so you never miss a quick and practical episode. If this helped you, share it with a friend—or leave a review to help more first home buyers find us!

📄 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 thinking about it), this is a must-listen. Les shares his industry knowledge, real-life stories, and expert tips to help you avoid hidden surprises after settlement.🏠 Here’s what we cover:What a building and pest inspection actually includesCommon issues that come up in reports (and what they mean)When to book your inspection during the buying processWhy skipping an inspection can be a costly mistakeHow to read and interpret an inspection reportWhat to do if issues are found before settlement🛠️ Les also shares some horror stories and practical advice for buyers who want to feel confident about the condition of their property before signing on the dotted line. 📌 Whether you're a first home buyer or seasoned investor, this episode will give you a better understanding of how to protect your biggest asset—your home. 🌐 For more info about Resi Inspections, visit: [insert Resi Inspections website if available] 💬 Have questions or suggestions for future episodes? Drop a comment or message us anytime. 🔔 Don’t forget to subscribe so you never miss an episode full of expert advice to guide you through your property journey.

📄 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 process. Many people are surprised to learn that not all valuations are the same—and the type your bank uses can affect your borrowing power, LVR, and even whether you'll need to pay lenders mortgage insurance (LMI). 🎙️ What we cover in this episode:Why valuations are a crucial part of the loan processThe 4 main types of bank valuations:Full ValuationDesktop ValuationKerbside ValuationAutomated Valuation (AVM)Which type of valuation your lender might use and whyHow valuation results can impact your loan outcome📌 Don't miss the next episode, where I’ll share practical tips on how to help ensure you get the best valuation possible. 💬 Got questions or a topic you'd love me to cover? Drop a comment or get in touch! 🌐 Learn more at www.360mortgagesolutions.com.au 📢 Subscribe so you never miss a future episode packed with insights to help you navigate the home loan process with confidence.

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 entire home buying journey.Key Points:The major upfront costs beyond your deposit that first home buyers frequently underestimatePost-settlement expenses that can strain your budget if not properly planned forHow mortgage brokers provide comprehensive cost estimates tailored to your specific situationReal-life example of how proper cost planning prevented financial stress for first-time buyersQueensland-specific information on stamp duty and first home buyer concessionsResources Mentioned:First Home Buyers online course: [link to course]Free 15-minute strategy call: https://calendly.com/360mortgagesolutionsHome Buying Cost Calculator: [link to resource]First Home Owner Grant information: [link to resource]Connect with 360 Mortgage Solutions:Website: https://360mortgagesolutions.com.au/Phone: (07) 3520 8698Email: [email protected]: [Instagram handle]Facebook: [Facebook page]About Maryanne Elliott: Maryanne is the founder of 360 Mortgage Solutions and has worked in the finance industry since 2005. With experience as a bank teller, branch manager, portfolio manager, home lender, and trainer, she launched 360 Mortgage Solutions in late 2016 and The First Home Owners Program in late 2017 to help Australians navigate the complex journey to homeownership.Keywords: first home buyer, hidden property costs, stamp duty, lenders mortgage insurance, mortgage broker, home loan fees, property purchase expenses, Queensland first home buyer, settlement costs, building inspectionEpisode Transcript:INTRO: Welcome to The First Home Owners Program Podcast! I'm Maryanne Elliott from 360 Mortgage Solutions, and today we're pulling back the curtain on something that catches many first-time buyers by surprise – the hidden costs of buying a property. Those expenses beyond the deposit that can quickly add thousands to your budget. But don't worry – by the end of this episode, you'll know exactly what to expect and how a broker can help you navigate these financial surprises.SECTION 1: BEYOND THE DEPOSIT When most people think about buying their first home, they focus almost exclusively on saving for the deposit. And while that's certainly important, it's just the beginning of your financial commitment.Let's break down some of these hidden costs:First, there's stamp duty – a government tax that varies by state and property value. In Queensland, for a $500,000 property, this could be around $8,750, though first home buyers may qualify for concessions.Then there are loan application and establishment fees. Depending on your lender, these can range from $200 to over $1,000.Don't forget lenders mortgage insurance or LMI. If your deposit is less than 20%, you'll likely need to pay this, which can add thousands to your costs.Legal and conveyancing fees typically range from $800 to $2,000 for a standard property purchase.Building and pest inspections are essential and typically cost between $400 and $600 combined.SECTION 2: AFTER SETTLEMENT COSTS But wait – there's more! After you get the keys, you'll face:Moving costs, which can range from a few hundred dollars if you're doing it yourself to several thousand for professional movers.Council rates and body corporate fees if applicable.Home and contents insurance – a must-have that many first-time buyers underestimate.And don't forget about immediate repairs or renovations. That peeling wallpaper or outdated bathroom you planned to "fix later" might become an urgent priority once you move in.SECTION 3: THE BROKER ADVANTAGE This is where working with a mortgage broker becomes invaluable. At 360 Mortgage Solutions, we don't just help you find the right loan – we provide a comprehensive cost estimate tailored to your specific situation.As your broker, I'll:Create a detailed breakdown of all government charges specific to your property and situation.Calculate your exact stamp duty, including any first home buyer concessions you might be eligible for.Estimate all lender fees and charges, helping you compare the true cost of different loan options.Provide a settlement cost estimate that includes legal fees, adjustments, and transfer costs.Factor in post-settlement expenses like insurance and moving costs to give you a complete financial picture.The result? No nasty surprises and a clear understanding of exactly how much you need to budget beyond your deposit.SECTION 4: REAL CLIENT EXAMPLE Let me share a quick story about a couple I worked with recently. James and Emma had diligently saved a $50,000 deposit for their first home. They were looking at properties around $500,000 and thought they were ready to go.When we sat down for their initial consultation, I created a comprehensive cost estimate. They were shocked to discover they needed an additional $15,000 to cover all the associated costs! Rather than being discouraged, they were grateful to know this before falling in love with a property they couldn't afford.We adjusted their search criteria slightly, found them a lovely property that fit their true budget, and they moved in three months later – with no financial stress or unexpected bills.CONCLUSION: Understanding the full financial picture of buying a home isn't just about avoiding stress – it's about making informed decisions that set you up for long-term success. As a mortgage broker, providing these detailed cost estimates is one of the most valuable services I offer my clients.If you're starting your home buying journey, book a free 15-minute call with me, and let's make sure you're prepared for every cost along the way – not just the obvious ones.Until next time, this is Maryanne Elliott from The First Home Owners Program Podcast, helping you navigate the path to homeownership with confidence.

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 the finance industry, Maryanne provides practical strategies to overcome the anxiety of making your first property purchase.Key Points:The three most common fears first home buyers face and why they're holding you backThe hidden financial cost of waiting for the "perfect time" to enter the marketPractical strategies to build confidence in your home buying journeyReal success stories from clients who overcame property market anxietyHow to determine if you're actually closer to buying than you thinkResources Mentioned:First Home Buyers online course: [link to course]Free 15-minute strategy call: https://calendly.com/360mortgagesolutionsBudget assessment worksheet: [link to resource]Connect with 360 Mortgage Solutions:Website: https://360mortgagesolutions.com.au/Phone: (07) 3520 8698Email: [email protected]: [Instagram handle]Facebook: [Facebook page]About Maryanne Elliott: Maryanne is the founder of 360 Mortgage Solutions and has worked in the finance industry since 2005. With experience as a bank teller, branch manager, portfolio manager, home lender, and trainer, she launched The First Home Buyers Program in 2017 to help Australians navigate the complex journey to homeownership.Keywords: first home buyer, property market fear, mortgage anxiety, home loan approval, property investment, first property purchase, Australian housing market, mortgage broker, home buying tipsEpisode Transcript:INTRO: Welcome to The First Home Buyers Program! I'm Maryanne Elliott from 360 Mortgage Solutions, and today we're tackling something that stops so many potential homeowners in their tracks – fear. That paralyzing feeling that keeps you scrolling through property listings but never taking action. Let's break down these fears and get you moving toward homeownership.SECTION 1: NAMING THE FEARS The first step to conquering any fear is acknowledging it. For first home buyers, these typically fall into three categories:"What if I can't afford it?" This is the big one – the fear of overcommitting financially."What if property prices crash after I buy?" Nobody wants to make the biggest purchase of their life only to see its value drop."What if I'm rejected for a loan?" The fear of putting yourself out there only to hear "no" can be devastating.Sound familiar? You're not alone. In my 20 years in finance, I've seen these same fears hold back countless potential homeowners – people who are now happily living in their own homes.SECTION 2: THE COST OF FEAR Here's what many don't realize – fear itself has a cost. While you're waiting for the "perfect time" to enter the market:Rent payments continue to build someone else's wealth instead of your own. Property prices in many areas continue to rise, potentially outpacing your savings. You're missing out on years of potential capital growth and stability.I've seen clients wait years for the "perfect moment" only to find themselves priced out of neighborhoods they once could have afforded.SECTION 3: PRACTICAL FEAR-BUSTING STRATEGIES So how do we move past these fears? Let me share some practical strategies:First, get educated. Understanding the process removes the mystery. That's exactly why we created our First Home Buyers course – to demystify the journey.Second, start with a realistic budget assessment. Knowing exactly what you can afford puts you in control. This isn't about stretching to your absolute maximum, but finding a comfortable position.Third, consider a stepping stone approach. Your first home doesn't need to be your forever home. Sometimes a unit, townhouse, or home in a developing area can be your entry point.Finally, work with professionals who understand your situation. A good mortgage broker – and I might be biased here – can guide you through pre-approval, helping you understand your borrowing capacity before you fall in love with properties.SECTION 4: CLIENT SUCCESS STORY Let me share a quick story about Sarah and Michael. They came to me last year, convinced they were at least two years away from buying. They had decent savings but were paralyzed by fear of the unknown.After working through their finances, we discovered they were actually in a position to buy now – they just needed the right loan structure. Six weeks later, they had their keys. The fear they'd carried for years dissolved once they had clear information and a supportive team.CONCLUSION: Remember, fear thrives in uncertainty. The antidote is information, preparation, and support. If you're feeling stuck, reach out for a 15-minute strategy call. Sometimes that first conversation is all it takes to transform fear into excitement.Until next time, this is Maryanne Elliott from The First Home Buyers Program, helping you turn your homeownership dreams into reality.

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 includesWhy it’s essential for every property, even brand-new buildsCommon issues first home buyers should look out forReal-life horror stories that show just how valuable a good inspection can be🎧 This episode is all about protecting your biggest investment before you sign on the dotted line. 📞 Want to connect with Les? You can find him at https://www.resii.com.au/ #FirstHomeBuyerPodcast #BuildingAndPest #PropertyInspections #ResiInspections #FirstHomeTips #HomeBuyingJourney

📝 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 rentvesting is and how it worksWho it’s best suited for (and who it’s not right for)The financial pros and cons to consider before jumping inReal examples of how first home buyers are using this strategy to build wealth and get into the market sooner📌 Janet also shares practical tips on how to choose the right investment property while renting in your ideal location. 🎧 If buying where you want to live feels out of reach—this episode is a must-listen. #FirstHomeBuyerPodcast #Rentvesting #CapstonePropertySolutions #FirstHomeJourney #PropertyTips #InvestingSmart #RentWhereYouLoveBuyWhereYouCanAfford

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 (step-by-step)Why getting loan-ready before you fall in love with a property is a game changerThe most common mistakes first home buyers make—and how to avoid themWhere grants, schemes, and your deposit fit into the big picture📌 This episode sets the stage for the rest of the series, where you’ll hear from the experts I trust—covering everything from legal tips to building checks and everything in between. 🎧 Listen in and start your journey with the clarity and confidence you deserve.

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 and knowing what happens after your offer is accepted. If you’re serious about buying property and want to go in prepared, this episode is packed with must-know tips that can make the whole process smoother and less stressful. 👉 What you’ll learn in this episode:How to make a competitive offer (without overpaying)What agents really look for in a buyerWhat happens after your offer is acceptedHow to avoid common pitfalls that could delay your settlement🛠️ Resources Mentioned:Chris Liu Real Estate: https://chrisliure.eview.com.au/First Home Buyers Program Online Course:https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page🎯 Want to feel more confident buying your first home? Check out our full program designed to walk you through every step of the journey.

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 should be paying attention to, and how to spot a good opportunity when it comes your way. We also unpack some of the most common myths and misconceptions holding buyers back. Whether you're just starting out or thinking about making your first move, this episode is full of tips to help you feel informed, empowered, and ready to take action. 👉 What you’ll learn in this episode:What’s really happening in the property market right nowHow to know if a property is a good first purchaseCommon mistakes first home buyers make (and how to avoid them)Chris’s advice for buyers feeling overwhelmed or unsure🛠️ Resources Mentioned:Chris Liu Real Estate: https://chrisliure.eview.com.au/Free First Home Buyers Mini Course: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page🔔 Don’t forget to subscribe and leave a review if you found this helpful!

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 directly influences your ability to save—and how a few simple shifts can help you build momentum, stay motivated, and move toward your first home faster than you thought possible. What You’ll Learn:The difference between scarcity and abundance mindsetWhy your beliefs about money can sabotage your savings effortsHow to reframe your thoughts from “I can’t save” to “How can I save?”A real-life example of a client who changed their mindset and saw amazing resultsHow to start thinking like someone who’s ready to buy their first homeLinks & Resources:💡 Want to take this mindset shift even further? Join the Money Magnet course—designed specifically to help first home buyers build their deposit with clarity and confidence. Check it out here Let’s Stay Connected:📲 Follow @360mortgagesolutions on Instagram for more tips and inspiration🎧 Don’t forget to subscribe so you never miss an episode🌟 Love the podcast? Leave a review—it helps other first home buyers find us and feel supported on their journey

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 track without giving up everything you love. What You’ll Learn:Why budgets often go out the window (and it’s not your fault!)The #1 thing most people forget to include in their budgetSimple strategies to stay consistent—even when unexpected expenses pop upA personal story of how one small change helped a client finally stay on budgetLinks & Resources:💬 Got a budgeting win or challenge you want to share? DM Maryanne on Instagram @360mortgagesolutions – she’d love to hear from you!👉 Curious about how to save smarter for your first home? Check out the Money Magnet course here: Click to learn more Let’s Stay Connected:📲 Follow us on Instagram for tips, tools, and first home inspo🎧 Subscribe so you don’t miss next week’s episode🌟 If this helped you, leave a quick review—it really helps others find us!

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 want to give up after week one). Whether you’ve tried budgeting before or you’re starting from scratch, this episode will help you build a plan that feels doable—and still leaves room for the things you love. What You’ll Learn:Why most people struggle with traditional budgetsThe key ingredients of a flexible, realistic budgetHow to start with your current spending and tweak it (instead of reinventing the wheel)The 50/30/20 rule explained in real-world termsA personal story of a client who went from hating budgets to loving their resultsLinks & Resources:📝 Want a free budgeting template to get started? Head over to https://maryanne-elliott.mykajabi.com/signup💡 Ready to save smarter and build your deposit? Check out the Money Magnet course here: Click to learn more Let’s Stay Connected:📲 Follow us on Instagram for bite-sized tips and daily motivation🎧 Subscribe so you don’t miss upcoming episodes🌟 If this episode helped shift your mindset around budgeting, leave a quick review—it means the world!

🎙 Episode 1: Why Saving Feels So Hard (And How to Change That)The First Home Buyers Program Podcast – with Maryanne ElliottDescription: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 else’s holidays, dinners, and purchases. In this episode, Maryanne breaks down the real reasons saving feels so hard (hint: it's not just about money), and how you can start shifting your mindset to make saving feel achievable, even exciting. What You'll Learn:Why FOMO, unclear goals, and old money beliefs make saving harderHow to reframe saving as an opportunity, not a sacrificeA simple mindset shift to help you feel more in controlA real story of someone who turned their savings struggle into successLinks & Resources:👉 Got a question or just want to share your biggest money challenge?DM Maryanne on Instagram @360mortgagesolutions or leave a comment!👉 Want to go deeper? Check out the Money Magnet course: Click hereLet’s Stay Connected:💬 Share this episode with a friend who needs to hear it📲 Follow us on Instagram for tips and inspiration⭐️ Don’t forget to subscribe, rate & review if you loved this episode!

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 repayments should be so that you don’t accidentally end up paying a fortune in extra interest.[Wrap-Up]Refinancing can be a great way to save money, but only if you do it right!Remember to check your loan term, adjust your repayments, and stay ahead.And if you’re not sure where to start, book a fee-free meeting with the 360 Mortgage Solutions team—we’ll help you get the best deal without falling into the refinancing trap!🔗 Book a meeting today!

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 the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process.Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes. What You’ll Learn in This Episode  In this must-listen two-part podcast series, we cover:✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.✅ How a buyer’s agent can give you an advantage – What they do and why it matters.✅ Common mistakes first home buyers make – And how to avoid them.✅ Negotiation tactics – How to secure the best deal on your dream home.✅ Off-market properties – How to access hidden opportunities most buyers never see.Why Work with a Buyer’s Agent?  If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:🔹 Save you time by handling the research and inspections.🔹 Save you money by negotiating the best price and terms.🔹 Reduce stress by providing unbiased advice and strategic support. Listen Now!

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 the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process. Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes.  What You’ll Learn in This Episode  In this must-listen two-part podcast series, we cover:✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.✅ How a buyer’s agent can give you an advantage – What they do and why it matters.✅ Common mistakes first home buyers make – And how to avoid them.✅ Negotiation tactics – How to secure the best deal on your dream home.✅ Off-market properties – How to access hidden opportunities most buyers never see.Why Work with a Buyer’s Agent?  If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:🔹 Save you time by handling the research and inspections.🔹 Save you money by negotiating the best price and terms.🔹 Reduce stress by providing unbiased advice and strategic support. 

🎙 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 stronger, plus some alternative lending options for those who don’t meet traditional requirements.✅ How to structure your finances to make borrowing easier✅ Why keeping business and personal finances separate is a game-changer✅ Alternative lending options if you don’t meet standard bank criteria✅ The role of a commercial broker in securing a home loan for business ownersIf you’re self-employed and dreaming of buying your first home, this episode is packed with valuable insights to help you get there.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:Book a free chat with us: Book here Follow us on Instagram/Facebook💡 Enjoyed this two-part series? Hit follow so you never miss an episode! If you found this helpful, share it with a fellow business owner who’s thinking about buying their first home. 🚀

🎙 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 into the biggest challenges self-employed first home buyers face, how lenders assess business income, and what you can do NOW to set yourself up for home loan success.✅ What lenders look for when assessing self-employed applicants✅ Why your taxable income matters more than your total revenue✅ The common mistakes self-employed buyers make (and how to avoid them)✅ Steps you can take TODAY to improve your home loan chancesThis is Part 1 of our deep dive, so be sure to tune in next week for Part 2, where we’ll explore the best loan options for self-employed first home buyers and alternative lending solutions.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:Book a free chat with us: Book here Follow us on Instagram/Facebook 💡 Enjoying the podcast? Don’t forget to subscribe and leave a review—it helps more first home buyers like you!

📌 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 Takeaways:The difference between a 20%, 10%, and 5% depositHow Lenders Mortgage Insurance (LMI) impacts your depositGovernment schemes that help reduce your upfront costsHidden expenses you should budget for🔗 Resources Mentioned:First Home Guarantee (FHG)First Home Owner Grant (FHOG)Book a Free Mortgage Strategy Session📢 Subscribe & Follow:🎧 Subscribe on Apple Podcasts | Spotify | Google Podcasts📸 Instagram: @360mortgagesolutions📘 Facebook: https://www.facebook.com/360mortgagesolutions/💬 Got questions? Send us a DM or book a chat—we’d love to help you get into your first 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: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx ExploreThe First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIxBook a fee-free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/

Understanding Lenders Mortgage Insurance (LMI) – A Must-Know for First Home BuyersDescription: Lenders Mortgage Insurance (LMI) is often misunderstood by first home buyers. In this episode, we explain what LMI is, how much it costs, ways to avoid or reduce it, and whether it’s worth paying. If you’re looking to buy your first home, understanding LMI is crucial!What we'll cover:  – Introduction to Lenders Mortgage Insurance (LMI) – What is LMI and why do lenders require it? – How much does LMI cost? – Strategies to reduce or avoid LMI – Is LMI worth paying? – How to take the next step in your home buying journey🔗 Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx🔗 Enroll in The First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx🔗 Book a free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/

Buying your first home is an exciting milestone, but without the right preparation, it can quickly become a stressful experience. In this episode of The First Home Buyers Program Podcast, we dive into why a fully assessed pre-approval is essential before making an offer on a property.Join Me, as we break down real-life examples of first home buyers who faced unexpected delays due to incomplete pre-approvals—and how you can avoid making the same mistakes.What You'll Learn in This Episode:✅ The difference between a basic pre-approval and a fully assessed pre-approval✅ How a government scheme requirement delayed one buyer's finance approval✅ Why guarantor loans take longer and require extra preparation✅ How skipping a full pre-approval can add unnecessary stress and pressure✅ The best way to ensure a smooth home-buying journeyWhy This MattersA fully assessed pre-approval means your financials, tax returns, and liabilities are reviewed upfront, so you can confidently make an offer without last-minute surprises. Avoid finance delays, extension requests, and the stress of uncertainty—get pre-approved the right way.Resources & Links:🔗 Get in touch with 360 Mortgage Solutions for a fully assessed pre-approval: https://360mortgagesolutions.com.au/contact-us/🔗 Subscribe to The First Home Buyers Program Podcast for expert advice every week!If you found this episode helpful, don’t forget to subscribe, rate, and share this podcast with anyone looking to buy their first home.Until next time—happy house hunting! 🎉

In this episode of The First Home Buyers Program Podcast, we’re breaking down the two fundamental aspects of every home loan: servicing and security. If you’ve ever felt overwhelmed by the jargon or unsure how lenders assess your loan application, this episode is for you! We’ll explore:• Servicing: What it is, why it matters, and how your income and expenses play a crucial role.• Security: Why the property you’re buying is just as important as your financial situation.• How lenders balance these two factors when deciding whether to approve your loan.• Practical tips to improve your borrowing power and ensure the property you’re eyeing meets lending criteria. By the end of this episode, you’ll have a solid understanding of how servicing and security work together, helping you make confident decisions as you take steps toward home ownership. What You’ll Learn in This Episode:What servicing means and how lenders calculate your ability to repay the loan.2. The role of security in your loan application and what makes a property acceptable to lenders.3. Common misconceptions about home loan approvals and how to avoid pitfalls.4. Actionable tips to strengthen your financial profile before applying for a loan. 

Feeling overwhelmed by the home loan process? In this episode, I break down three simple steps to help first home buyers eliminate stress and confusion:1️⃣ Know how much deposit or equity you need.2️⃣ Speak to a mortgage broker early to plan your next steps.3️⃣ Get a fully assessed pre-approval to approach house hunting with confidence.💡 Join the waitlist for the FREE First Home Buyer Mini Course, launching this December, and get an exclusive bonus when it goes live!🔗 Waitlist Link: https://maryanne-elliott.mykajabi.com/joinusTo book a time with us at 360 Mortgage Solutions head to - https://360mortgagesolutions.com.au/contact-us/ To find out more about Gurantor loans head to - https://youtu.be/2ZCl9bn6hDY#FirstHomeBuyerTips #HomeLoanOverwhelm #FirstHomeJourney

In this episode of The First Home Buyers Program Podcast, we cover the Top 5 Mistakes First Home Buyers Make and How to Avoid Them.Learn why getting a fully assessed pre-approval is crucial, why going direct to your bank isn’t always the best option, and how to avoid underestimating the costs of buying your first home.Plus, we’ll explore the importance of researching government grants and getting professional advice. Don’t let these common mistakes hold you back from buying your first home.What You’ll Learn: Why a fully assessed pre-approval is a game-changer. How working with a broker can save you thousands. The hidden costs of buying your first home. Which government grants you might be eligible for. The importance of leaning on expert advice.Links and Resources: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/offers/fAnpkt78 Subscribe for more episodes and tips!

Episode Title: Why 2025 Is the Year to Buy Your First HomeEpisode Description:Discover why 2025 is the best year to buy your first home! We dive into market trends, government incentives, and practical tools to help you take the first step toward owning your dream property. Don’t miss this episode, and don’t forget to check out our First Home Buyer Mini Course: maryanne-elliott.mykajabi.com/offers/fAnpkt78.Key Points:Stabilized property prices make 2025 ideal for first home buyers.Government grants can save you thousands.Why waiting can cost you more in the long run.Call to Action:Join the First Home Buyer Mini Course today! Get started for free at maryanne-elliott.mykajabi.com/offers/fAnpkt78.Book a time with us here https://360mortgagesolutions.com.au/contact-us/

🎥 Description:The holiday season isn’t just for celebrating—it’s the perfect time to prepare for your first home purchase in 2025! 🎄🏡 In this episode, we’ll walk you through five practical steps to get your finances and mindset ready for the homebuying journey.From reviewing your budget and boosting your credit score to researching lenders and setting realistic expectations for your dream home, these tips will help you kick off the new year with confidence. 💪🎯 Topics Covered:Budget Review & Savings Goals: How to use your holiday bonus and cut back on spending.Credit Score Improvement: Why your credit matters and how to enhance it.Financial Document Organization: Get ahead of the paperwork game.Mortgage Research: Finding the right lender during the holiday lull.Setting Expectations: What to prioritize in your first home search.Whether you're dreaming of getting out of the rental market or simply want to make 2025 the year of homeownership, this episode is packed with actionable advice to make it happen.📌 Key Takeaways:Budgeting during the holiday season doesn’t mean skipping the fun—it means planning smarter.A strong credit score can save you thousands on your mortgage.Organization now will save you stress later.Research and reflection are your best friends in the homebuying journey.🎧 Tune in for:✅ Expert tips for first-time homebuyers.✅ Real-world advice to start your 2025 homebuying journey right.✅ Inspiration to turn your dream into reality.🌟 Don’t forget to subscribe, like, and share!Your support helps us reach more first home buyers just like you!📲 Follow us on Social Media:Instagram: @360mortgagesolutionsFacebook: 360 Mortgage SolutionsYouTube: 360 Mortgage Solutions Channel🎁 FREE Resource:Sign up for our First Home Buyers Mini Course to learn everything you need to know about deposits, grants, and the buying process! - https://maryanne-elliott.mykajabi.com/offers/fAnpkt78📌 Hashtags:#FirstHomeBuyer #HolidaySeasonPlanning #2025HomeGoals #MortgageTips #BudgetingForAHome #CreditScoreTips #HomeBuyingJourney #PropertyMarketTips #360MortgageSolutionsBook a time with us here - https://360mortgagesolutions.com.au/contact-us/

Before you start your house-hunting journey, make sure you're armed with a fully assessed pre-approval! Here's why:Know Your Budget: With a pre-approval, you know exactly how much you can borrow, so you can focus on homes within your price range.Strengthen Your Offer: Sellers take you more seriously when they see you're pre-approved, giving you a competitive edge in a hot market.Faster Process: With your finances already assessed, you can move quickly when you find your dream home, reducing the risk of delays.Peace of Mind: Avoid the stress of last-minute financing issues by getting pre-approved upfront, so you can house hunt with confidence.At 360 Mortgage Solutions, we’ll help you get pre-approved, fully assessed, and ready to secure your perfect home. Let’s make your home-buying journey smooth and successful! 🏠✨For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgagesolutions To find out more about The First Home Buyers Program check it out here -   The First Home Buyers Program - https://maryanne-elliott.mykajabi.com/offers/MGN9cHuaNeed help with budgeting, check out The Money Magnet course here -  The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/  Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes 

In this episode of the 360 Mortgage Solutions Podcast, Maryanne Elliott dives into an essential question for homeowners: What loan term should I get for a house? Whether you’re refinancing or buying your first home, understanding how loan terms impact your finances is key to making smart decisions.Key Takeaways:The difference between short, standard, and extended loan terms.How loan terms affect your repayments and total interest costs.Strategies for choosing the right loan term based on your financial goals and lifestyle.Resources Mentioned:Book a free consultation with 360 Mortgage Solutions: https://calendly.com/360-mortgage-solutions-teamCall to Action:Don’t leave your home loan decisions to chance. Schedule a free meeting with the 360 Mortgage Solutions team today and take the first step toward smarter homeownership.By making informed decisions about your loan term, you’ll be better prepared to achieve your financial goals and reduce stress on your journey to homeownership.

In this episode, I share the two most common first home buyer mistakes I see regularly—and how to avoid them! Whether you’re house hunting without a fully assessed pre-approval or unknowingly carrying too much debt, these missteps can cost you time, money, and unnecessary stress.Tune in to hear:Why skipping a fully assessed pre-approval can derail your home-buying journey.How small debts like Afterpay and credit cards impact your borrowing power.Practical tips to set yourself up for success as a first home buyer.If you’re serious about getting into the property market, join our First Home Buyer Mini Course, launching this December. It’s a free resource packed with tips to help you navigate the home-buying process with confidence. Join the waitlist today and receive an exclusive bonus!👉 Join the Waitlist NowChat to Tara and I here