The Buyers Bible

Woohoo! You've bought a property, congrats! So…. now what? In today's episode I'm joined again by the fabulous Victoria Devine, who recently went through the home buying journey and settlement process herself. We explore what happens between purchase and settlement, including making sure you get the contract off to the relevant people, paying your deposit, sorting insurances (very important!!), final inspections and settlement day. Plus, once you settle, you have the awesome responsibility of paying off a mortgage (yay). Victoria and I chat about loan minimisation strategies, utilising your offset account and making sure you're always getting the best interest rate. PS this is the last episode of The Buyers Bible, thank you SO much for joining us!!! Keep an eye out for my new podcast The Property Playbook (with Victoria Devine) :) Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Buying a property at auction can be terrifying and exhilarating. And no matter how many times you watch an auction, nothing can really prepare you for the feeling you get when you actually need to bid yourself. Auctions are super fast paced, dynamic and unpredictable environments where anything can happen. But whilst the outcome is out of your control, there are a lot of things which you can do prior to and during an auction to put yourself in the best position possible. In today's episode we'll be exploring the rules with auctions, all the things you need to prepare before auction day, my top bidding tips and what to do if the property passes in. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

In today's episode we're exploring how to submit an offer. Unlike auctions where there's super strict rules around how the buyer and agent need to behave, there's actually no rules around private sales and submitting offers, and every real estate agency and agent will have a different process in how they handle offers. We'll be running through the difference between verbal and written offers, how to clarify the offer process with the agent and the types of questions to ask, and the nuances around submitting offers prior to auction which can be a really delicate situation. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Building & pest inspections are a vital step in the due diligence process. I recommend getting one for EVERY type of property - even brand new properties and apartments. Listen to this episode to find out why!Today I'm joined by Craig Mace from Mace Building inspections. We explore:Why you should consider getting a building (and sometimes pest) inspectionThe types of issues an inspection may uncover, includingStructural issuesMajor defectsMinor defectsSafety hazardsQuality of the renovationWhether inspectors can provide you an idea around how much it could cost to fix issues identifiedWHEN you should get one (eg before or after you submit the offer)How much they costThe importance of a 'verbal debrief' after an inspectionThe limitations of a building inspectionThe importance of wording your building inspection clause correctly Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

26 Doing your Due Diligence (don't skip these steps!) We run through the due diligence steps you NEED to take when you're buying a property. Due diligence (or “DD”) is the investigation of every aspect or feature of a property which could impact its value and suitability. Aside from figuring out how much a property is worth (which we covered in episode 25), due diligence includes our council investigations, checking the zoning & overlays, cross checking the property with our mortgage broker (and making sure our pre-approval is still valid!), arranging a contract review by our legal rep, and our building & pest inspection. We discuss HOW to do your DD, WHEN to do it, and why it's SO important. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

In todays episode we're exploring how to figure out how much a property is worth. We run through how to do a comparable sales analysis - this this is the best way for us to determine the value of a property. We'll discuss the difference between what a property is worth on paper, versus what it's worth to you, and we'll also be chatting about bank valuations and computer generated reports. You might receive one of these reports from your bank or mortgage broker, I REALLY don't like these reports, and I'll be discussing why they can actually do more harm than good. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Today I'll be running you through what you should be saying and doing at an inspection, how to have the challenging conversation with an agent regarding your budget, what kind of things you should be asking the agent if you're interested in a property, and later in the episode I've got some real estate agents telling us the types of things which buyers SHOULDN'T be saying to an agent. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Strap on your favourite bum bag and grab your notepad and measuring tape - this week we're inspecting properties! Amy tells us her 13 top things to look out for at an inspection, which includes: Natural lightNoise from nearby roads, train lines or other noisey things (eg schools!) Making sure room sizes match up with the floorplan measurements, and can fit your stuffParking off street - both the size and turning circlesHeating & coolingQuestions for your building inspectorLight switches and fuse boxes Goods which come with the property Quality of the floorplanStorageThe subfloor conditionCommon property Car spaces, storage cages or courtyards which are ON your title (versus a lease or common property) We also chat about the things to look out for before you even go inside the property - the streetscape, neighbours and local development risk. Plus some inspection etiquette, because we always want to kick things off on the right foot with the real estate agents.Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Searching for properties sounds easy right. Just jump onto Realestate.com.au or Domain and click search? Wrong! If you want to make sure you're searching effectively AND getting access to as many off market (and pre market) opportunities as possible, you need to listen to this episode. Amy shares her top tips for using the online search websites most effectively before discussing the elusive world of OFF MARKET properties. We explore what an off market is, why they can be exciting (but also - why they can also be a complete waste of time), the difference between ‘off market' and ‘pre-market', and how to find these elusive types of properties. Amy also explains how agent authorities work, you need to know about this especially when it comes to dealing with off markets. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

In todays episode we're exploring how to create our property brief. A property brief is kind of like a list, which defines HOW MUCH we're going to spend, WHERE we're going to be looking, and the TYPE of property we're going to buy. It's kind of like putting together a grocery shopping list, and I'm not sure about you but if I create a list before I go to the supermarket I'm much more likely to only buy what I need, not forget anything, and not just walk around aimlessly trying to think what I'm going to make for dinner tomorrow night. We discuss some tips around budget setting, choosing a location, and defining the characteristics a property needs to have to tick your wishlist. It's super important to try and get your property brief right from the very beginning, and to make sure you're on the same page as your partner. We also emphasise the need to do a REALITY CHECK on your property brief. Remember - just because you want something doesnt mean you can afford it (remember the good old Champagne Taste Beer Budget analogy)Getting your brief sorted from the very start will save you time, energy, missed opportunities and potential heartache. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Rentvesting as a strategy involves buying a property, and leasing it out whilst continuing to rent somewhere else, or perhaps continuing to live at home. If you've decided that rentvesting is a strategy you might want to pursue, especially after listening to last weeks episode where we discussed investment basics and how property compares to other investment classes, then your next step is to start educating yourself on property investment 101. Because if we're rentvesting rather than buying a home to live in, we need to have a clear investment strategy which is based on the pure, hard numbers, rather than emotion. There is no point in buying an investment property if it isn't going to give you the right return, and achieve your goals. In todays episode we discuss the pros and cons of rentvesting, why you should bother considering it, what you need to consider when putting an investment strategy together, tax implications - CGT and negative/positive gearing, and how to get independent advice. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Today's episode is part 1 of rentvesting, with special guest Owen Raszkiewicz from The Australian Finance Podcast. Rentvesting is where you rent where you want to live, and buy an investment property somewhere you can afford. This means you can get into the property market without necessarily having to sacrifice your lifestyle. Rent vesting is basically….. property investing. So it needs to be treated as investing and based on the numbers rather than emotion. And if we've decided to invest our money, whether it be in property or any other type of asset, we should ideally have an understanding of what all of our options are. There's many different ways we can invest our money, and all types of investments come with some form of risk. Today, we're exploring the basics of investing, including why you should consider investing, the key investing terms you need to be aware of, what the different types of asset classes are and their pros, cons and risks. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

This episode is for anyone who is even remotely considering buying a property to renovate, or perhaps renovating at some point in the future. And it's ALSO for anyone who is looking at buying a property which has already recently been renovated. My first guest is Rebeka. She's a registered builder who develops for profit, and also runs Buildher Collective which is a business who teach women how to do the same. We run through why you need to know about zoning and overlays before you start considering a reno, the different types of permits you might need, the difference between cosmetic and structural renovations, how to not overcapitalise and our top renovating tips. And later in the episode I chat to Laura from Nest Legal about what we need to understand from a legal perspective if we're buying a property which has already recently been renovated. There's certain paperwork which the vendor needs to provide, and it's actually up to you to speak to your legal representative about this. Your legal rep hasn't been through the property, they haven't been speaking to the agent, so you need to work with them to make sure that you've got all of the information you need, because with property it's buyer beware. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Buying a house and land package is a really popular option for first home buyers. Most states have grants and incentives for buying new builds. Plus, buyers get the benefit of a brand new shiny home and quite often a much bigger property than they can afford in an established area. Todays episode unpacks house and land properties, and there's a LOT to cover. We explore construction loans, lending risks for these types of properties, how we do due diligence on a block of land and builder, how we research an estate, what it means for a block of land to be ‘titled', and the start to finish process if you're considering buying house and land. Amy also explains the drawbacks of this strategy, including the property potentially having lower capital growth prospects due to the limited land scarcity and lower amenity of these types of homes. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

When you're buying your first home, if it's in an apartment or unit or townhouse complex, it's going to have what's called a body corporate (in Victoria we call it an owners Corporation)In today's episode, we explore everything you need to know about body corporates, because there's a lot of misconceptions out there. We discuss WHO the body corporate actually is, what they do, what your fees go towards (and what are considered ‘reasonable' fees), special levies, body corporate rules you might need to be aware of, how decisions get made, and a BUNCH of other answers to questions which you never knew you had! Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

There is no doubt if you're a first home buyer you will have heard the phrase off the plan before. You might have read about people who bought a property off the plan and then three years later when it settled they'd instantly made hundreds of thousands of dollars in equity. Or you might have heard those stories where other people have bought off the plan and then the property doesn't look anything like what they expected, or horror stories where they've lost their deposits or worse. Like with any property strategy there can be winners and losers, but it's fair to say that buying off the plan is one of the riskiest types of properties you can purchase. In todays we run through all things you need to know about off the plan properties, the difference between off the plan and house and land packages, the pros and cons of off the plan properties - spoiler alert, there's quite a few drawbacks you need to be aware of, including what you need to know about the finance risks for off the plans, because this can be pretty major. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

In todays episode we are delving into loan pre-approvals. Now, every episode in this series is important, but if I had to choose which one was the MOST important episode for you to listen to, this is it. If we make a mistake with our finance, the worst case scenario is that we can lose our deposit, and in some situations there can be extra financial and legal ramifications on top of this. So it's something we absolutely do not want to take any risks on. Today I'm joined by James Ruddick - mortgage broker from Loan Market. We run through the difference between a pre-approval and formal approval, the process in getting a pre-approval, the risks of not having one, what kind of things could prevent us from being approved. We'll also discuss bank valuations and also the types of properties which the banks don't like, it's these types of properties which you might not be able to get finance for, or might be harder for you to resell in the future. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Did you know that technically you can buy a property with no deposit if you use a Guarantor Loan?? Having a Guarantor Loan means that you can buy a home with less than a 20% deposit (technically zero deposit) and not pay lenders mortgage insurance (LMI), but there are risks involved - so you need to make sure you understand all of the pros and cons. Mortgage broker Evelyn Clark takes us through the ins and outs of Guarantor Loans. We explore how they work, who can be your guarantor, why you might want to consider this type of loan, how it impacts your guarantor and the risks involved and how long until you can ‘release' your guarantor. And, importantly, how you can start having a discussion with your parents about potentially being your guarantor. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

The First Home Super Saver Scheme is basically legal money laundering. And if that doesn't get you excited, I don't know what will.The Scheme allows first home buyers to save extra money for their first home inside their super, and take it back out again at a lower tax rate. And saving on tax = WIN. Our special guest is Conaill Keniry, a financial adviser and the director of What If Advice. In this episode, we explore: How tax works with our super fund The ways we can contribute to our super and how they differThe maximum amount we can contribute each yearHow the Scheme benefits first home buyersHow the extra money in my super gets invested, and if there's any risks if the share market dropsIf it has any impacts on my HECS repaymentsThe process for taking money back out of your super when you're ready to buyThe timeframes involved - when I need to withdraw it, when I need to buy a property and how long I need to live there for (super important!!)How to actually use the Scheme Which professionals you should be speaking to Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

In Australia, first home buyers can get access to quite a bit of help from the Government. In this episode we explore First Home Buyer Grants and Concessions. Grants are when the Government gives you money (yay) to build or buy a new home, whilst concessions are the reduction in stamp duty you need to pay as a first home buyer. And we all want to pay less tax right? We explore eligibility requirements, the differences between each state, and how you can layer the grants, schemes and concessions to make sure you get the most benefits. Amy also chats to mortgage broker Tom Pearse from Pearse Financial and conveyancer Josh Diamond from My Legal Advisor to find out the broker and legal representatives role in the grant and concession process. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Thanks to Scomo, The First Home Loan Deposit Scheme allows 10,000 first home buyers a year to get into the market sooner. If you get a place in the scheme, it means that you can get into the market with as little as 5% deposit, and not have to pay pesky Lenders Mortgage Insurance (LMI). In this episode Amy is joined by Nathan Taddeo from Credo Financial, where they explore the eligibility requirements, application process, benefits and risks of the scheme. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Getting a mortgage is a massive commitment, and not something we want to rush into without understanding what we're signing up for. Its important for you to be an educated consumer when it comes to applying for a loan, so that you know the right kinds of questions to ask and what to be prepared for. Today we're chatting the BASICS of mortgages, the 101's, the fundamentals! Our special guest is mortgage broker Kath from Property Before Prada – and yes, like her business name suggests, her passion is helping first home buyers make property a priority.Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

If you ever feel like you need a bit of help with the whole adulting situation - this episode is for you! There's a lot we should know about being a grown up, but nobody tells us how to do it, and especially if you're buying your first home, ideally you'd need to know how to plan your finances if you want to have a baby, sorting out personal insurances and all things superannuation. For today's show, Amy is joined by Josh Pennell, who's the head of Wealth Management and Financial Planning from Prosper Advisory. With 13 years experience in the field, Josh is passionate about helping people achieve the financial success and freedom they deserve. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Having a firm grasp on the basics is super-important whether we're talking about personal finance or property, so even if you are a complete novice in these areas, knowing where to start is half the battle, and you are in the right place! In today's episode, Amy is joined by property beginner Joey. They cover the important property jargon and key terms whose understanding will help you build more confidence once you head out on your property-buying journey and start talking to the people and experts in the industry. A lot of the topics discussed today will be covered more in depth later in the series as well. These should serve as a great starting point to take notes and further your own research later on. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Buying a home is most often a life-changing decision, but also one that brings out a lot of different emotions in people, and among those, fear is the most common culprit that's causing the greatest amount of distress and hindrance during that crucial time in your life. In today's show, Amy is joined by Glen James from My Millennial Money to explore the biggest first home buyer fears, but they'll also show you the right first steps to take in overcoming them, and teach you how to get back on track in regaining full control over your finances and the decision-making process when purchasing a property. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Saving up for a deposit can be a daunting thought when you've no clearly defined plan in mind. But all you need to conquer your fears is the right mindset and a right set of tools. In today's episode, Amy is joined by Bret Mullavey, a money management expert from Experience Wealth. You'll learn how to create an action plan and actually execute it with practical skills that you can start implementing today to turbo charge your savings and move closer to achieving your property ownership goals. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Saving for a deposit for a home can be an overwhelming goal for many first home buyers - how do we even begin to chip away at it? In this episode, meet special guest Emma from The Broke Generation, who is here to help you shift your mindset towards money for the better. Emma is a recovering spendaholic who turned her life around, broke the debt cycle and bought a property. She is now a financial blogger who educates other people on how to take control of their finances. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Don't embark on your property journey alone! Having the right property team and advice is critical to ensuring you get it right the first time. In this episode, Amy and Alyssa explore where first home buyers should be getting their advice from, as well as the risks of bad or incorrect advice. You'll learn how to put your very own property A-team together and how to surround yourself with professionals that will offer invaluable advice and guidance through every step of the property buying process.Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Victoria Devine from Zella Wealth and founder of She's on the Money joins Amy to explore the important steps to take before you buy a home, and answers the crucial question: “When should you actually buy a property?” You will also discover the important difference of timing the market vs. time in the market. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Why is it so hard to buy your first home these days? And why are property prices so fricken' expensive compared to our parents' generation? Discover the answer to this burning question in the very first episode of The Buyers Bible podcast! Your hosts Amy Lunardi and Alyssa also share what you can expect throughout the podcast series, as they tackle the challenges and misconceptions that millennials face in the property market. Do you have a burning property question you'd like answered on the show? Connect with us on instagram @thebuyersbible, we'd love to hear from you with questions, thoughts and feedback. Don't forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Are you looking to purchase your first home? The Buyers Bible is a step by step guide for anyone looking to get into the market, no matter what stage you're at in your property journey. Podcast coming soon!