First Home Unlocked

We talk about asset quality constantly on this podcast because it's one of the biggest decisions you'll make as a first home buyer. But understanding why it matters and actually knowing how to assess a property in the...

We've talked a lot on this podcast about getting your finance sorted, but as we always say, the most important decision you'll make is the actual property you purchase. That's why we're kicking off a six-part series...

If you listened to Episode 37, you heard about the federal budget changes to negative gearing and capital gains tax. But there's a conversation we kept coming back to that deserves its own episode. It's not just about...

If you've been reading the news or scrolling through social media this week, you've probably seen some headlines about first home buyers using the 5% deposit scheme and something called negative equity. There is a real...

<p>If you're self-employed, banks will usually need more from you before they'll lend compared to a PAYG employee. Understanding what banks are looking for means you can present your income in the best possible way and...

<p>The Federal Budget just changed the property market overnight, and the government is calling it a win for first home buyers. If you're a first home buyer, you're probably seeing a lot of headlines and wondering what...

<p>Casual and contract workers make up more than a quarter of the Australian workforce. If you're a casual or contract worker, there are absolutely ways to borrow. It just comes down to understanding how banks look at...

<p>Income is one of the biggest drivers of your borrowing capacity, but banks don't just look at how much you earn. They look at how you earn it and depending on your situation, the same salary can produce very...

<p>Borrowing capacity isn't just about your income, and it's not the same at every bank. Banks are also looking at your deposit, your debts, your spending, your credit history, and even the property you're buying to...

<p>There's a lot happening right now. Another interest rate rise, global uncertainty, fuel and supply issues, and a federal budget just around the corner. If you're a first home buyer, you might be wondering what all of...

<p>If you've saved a significant deposit, received a gift from family, or come into money through inheritance, you're in a strong position as a first home buyer. But having more cash doesn't automatically mean the best...

<p>Understanding how offset accounts and redraw facilities work can save you thousands in interest and years off your home loan. But most first home buyers have never been taught the difference between them or how to...

<p>Buying your first home is a big decision, and it often comes with a lot of external pressure. Pressure from family, friends, media headlines, and sometimes even from yourself through comparison and the fear of...

<p>In early February 2026, there was an interest rate rise announced by the Reserve Bank of Australia (RBA). Jack Elliott and Chris Bates talk through what this actually means for first home buyers and how to respond...

<p>If buying your first home is part of your plan for 2026, this two-part series is designed to give you a clear, step-by-step framework to follow.</p><p>In Part 2, Jack Elliott and Chris Bates move into the action...