The First Home Buyers Program

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: info@360mortgagesolutions.com.auInstagram: [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

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

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.

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.

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:

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:

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:

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....

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:

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:

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

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:

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.

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/

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!

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!

Description:In this episode of the First Home Buyers Program Podcast, we explore the essential steps to becoming a homeowner and how the First Home Buyer Program can help you navigate the process with ease. From understanding deposit goals to government grants, this episode provides a roadmap for first-time buyers looking to step confidently into the market. Don't forget to join the waitlist for our First Home Buyer Mini Course for an exclusive bonus when we launch in early December!Key Points:Overview of the First Home Buyer Program – making the home-buying process simpler.Key steps to get started as a first-time buyer – saving deposits, government grants, and more.Common mistakes first home buyers make and how to avoid them.Special bonus for those who join the waitlist for the First Home Buyer Mini Course.SEO Focus Keywords:First home buyer programFirst-time home buyersFirst home buyer courseLinks Mentioned:Sign up for the First Home Buyer Mini Course waitlist: https://maryanne-elliott.mykajabi.com/joinusMaryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgagesolutions Meta Description:Join us in this episode of the First Home Buyer Program to discover how to confidently start your home-buying journey and sign up for our mini course waitlist!

Discover the best mortgage lenders for first-time buyers. Learn tips and advice to help you find the right lender for your first home purchase.Episode Summary:In this episode of The First Home Buyers Program Podcast, we discuss the best mortgage lenders for first-time buyers and share tips to help you navigate the home buying process with confidence. Learn how to choose the right lender, what to look for in loan features, and how to find a personalized experience.Don't miss out—join the waitlist for our First Home Buyer Mini Course, launching in early December. Sign up now for an exclusive bonus! [Insert URL]Key Takeaways:Why not all lenders are the same for first-time buyers.What to consider beyond interest rates when choosing a lender.The importance of personalized service in finding the right lender.Call to Action:Sign up for the waitlist for our First Home Buyer Mini Course, launching soon! Secure your spot and get a bonus when the course goes live. Visit the wait list

Are you ready to buy your first home but feeling a bit overwhelmed by where to start? In this episode, we cover key first home buyers tips that will help you save for your deposit, navigate government grants, and get pre-approved for a home loan. Plus, you can join the waitlist for our First Home Buyer Mini Course and receive a free budget template to help with your savings goal! Sign up here: Waitlist for the First Home Buyer Mini CourseTopics Covered:Setting a clear savings goalGovernment grants and schemes for first home buyersWhy pre-approval is key Budgeting for hidden costsBuilding a team of expertsLinks & Resources:Waitlist for First Home Buyer Mini Course - https://maryanne-elliott.mykajabi.com/joinus Free budget template for waitlist sign-ups!Free online meeting - https://360mortgagesolutions.com.au/contact-us/ Join the waitlist for the FirstHome Buyer Mini Course to get early access and a free budget template!

In this episode, Maryanne Elliott from 360 Mortgage Solutions dives into the topic of Lenders Mortgage Insurance (LMI) and the costs it can add to your home buying journey. Learn what LMI is, how it impacts first home buyers, and, most importantly, discover strategies to avoid paying for LMI without needing a 20% deposit. Maryanne also shares insights into the government's Home Buyer Guarantee Scheme, which can save you thousands by covering your loan insurance. Stick around to hear how you can access a free mini course starting in December 2024, designed to guide you through your first home purchase with confidence.Key Points:What is Lenders Mortgage Insurance (LMI)?How LMI protects the bank, not the borrower.Why LMI is sometimes a necessary part of buying a home.The Home Buyer Guarantee Scheme: what it is and how it can help you avoid LMI.Restrictions under the scheme and why it's a great option for first home buyers.Free mini course: Join the waitlist for expert guidance on your home buying journey.Links Mentioned:Home Buyer Guarantee Scheme - Check your eligibility hereJoin the First Home Buyers Mini Course WaitlistConnect with Us:Website: 360 Mortgage SolutionsInstagram: @360mortgagesolutionsFacebook: 360 Mortgage Solutions

In this episode of The First Home Buyers Program Podcast, we dive into the top three questions every first home buyer asks before making that big leap into the property market. How much can I borrow? What government grants am I eligible for? And what's the home buying process from start to finish? We break down these essential questions and provide actionable tips for navigating the home buying journey. Tune in to get expert advice from [Your Name] at 360 Mortgage Solutions, and feel confident as you take your first steps toward owning your own home.SEO Keywords:First home buyer questions, how much can I borrow for my first home, first home buyer grants Australia, home buying process first-time buyers, first home buyer podcast, 360 Mortgage Solutions, mortgage broker for first home buyers.Episode Highlights:[0:00] – Introduction to the EpisodeWelcome to The First Home Buyers Program Podcast! In today's episode, we'll be answering the three biggest questions on every first home buyer's mind.If you're just starting your home buying journey and feeling overwhelmed, you're in the right place.[1:30] – Question 1: How Much Can I Borrow?One of the first things first home buyers want to know is how much they can afford to borrow.We discuss how your borrowing capacity is calculated, including factors like your income, expenses, and deposit size.Tip: Speak to a mortgage broker early on to avoid borrowing more than you can comfortably repay. A professional can help tailor the best options for your situation.[3:45] – Question 2: What Government Grants Am I Eligible For?Did you know that as a first home buyer in Australia, you might qualify for grants and incentives?We break down the different types of government grants available, like the First Home Owner Grant and stamp duty concessions.Not sure what you qualify for? We explain how to navigate these programs and maximize your savings.[5:30] – Question 3: What Is the Home Buying Process?The home buying process can feel like a long and complicated journey, but we simplify it by breaking it down into five easy steps: from getting pre-approval to settling on your new home.We also share tips on how to avoid common mistakes that many first home buyers make during the process.[6:30] – Final Thoughts & The Course We recap the top three questions first home buyers ask: How much can I borrow? What government grants am I eligible for? And what's the home buying process?Want to join the wiatlist - https://maryanne-elliott.mykajabi.com/joinusKey Takeaways:How much can I borrow? – We explain how lenders calculate your borrowing capacity based on your financial situation.Government grants for first home buyers – Learn about the various grants and incentives you could be eligible for as a first home buyer in Australia.The home buying process – From pre-approval to settlement, we walk you through the entire process of buying your first home.

Episode Description:In this episode of The First Home Buyers Program Podcast, we break down one of the most crucial steps in your home buying journey: lender pre-approval. If you're a first home buyer wondering how to secure financing, this episode is for you! We'll cover why pre-approval matters, how the process works, and when to get started. Plus, we'll share tips on how to apply, whether directly with a lender or by working with a mortgage broker. Tune in for practical advice that can help you secure your first home faster and with more confidence.Key Takeaways:What is lender pre-approval?A breakdown of how pre-approval works and why it's essential for first home buyers.Why pre-approval is important:Learn how having pre-approval gives you a clear budget, strengthens your offer to sellers, and saves you time.How the pre-approval process works:We explain the documents you'll need, how lenders assess your application, and what to expect.When to get pre-approved:Find out the best time to apply for pre-approval to stay ahead of the competition in the housing market.Lender vs. Mortgage Broker:Discover the benefits of working with a mortgage broker to find the best loan options tailored to your situation.Episode Highlights:[00:45] – What lender pre-approval means and why it's your first step toward homeownership.[02:00] – The pre-approval process: What documents you need and how lenders assess your finances.[03:30] – When should first home buyers get pre-approved? Timing is everything![04:30] – How a mortgage broker can save you time and help you find better loan options.Resources Mentioned in This Episode:360 Mortgage Solutions – Get in touch with our team to start your pre-approval process today.First Home Buyers Program – Learn more about our comprehensive online course designed to guide you through every step of the home buying journeyRelated Episodes:Top 5 Tips For First Home BuyersStamp duty costsIf you're ready to take the next step toward homeownership, reach out to 360 Mortgage Solutions for expert advice on securing lender pre-approval. Don't forget to subscribe, leave a review, and share this episode with other first home buyers who are ready to make their move!Connect with Us:Visit our website: 360 Mortgage SolutionsFollow us on Instagram: @360MortgageSolutionsEmail us: maryanne@360mortgagesolutions.comIf you enjoyed this episode, make sure to subscribe and leave us a review on [Apple Podcasts/Spotify] to help more first home buyers find the show.

Welcome to **The First Home Buyers Program Podcast**! This week, we're diving into the latest updates from the Queensland government on first home buyer stamp duty concessions. If you're a first-time home buyer in Queensland, you won't want to miss this episode. We'll break down the new changes, discuss how they impact your buying power, and give you practical tips to make the most of these concessions. Tune in to get the inside scoop and stay ahead in your home buying journey. Whether you're just starting your search or are about to close on your dream home, our expert insights will guide you every step of the way. Don't forget to subscribe for more valuable advice and updates on all things first home buying in Queensland!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://courses.360mortgagesolutions.com.au/tfhbp/  Need 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  

Consumer Credit Reporting was meant to shine a light on borrowers with fantasitc credit histroy however, I am seeing more and more times it is catching First Home Buyers out. 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://courses.360mortgagesolutions.com.au/tfhbp/  Need 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 

So you get teh call you have been wiating for.... your loan is approved! That can be such an exciting time espicially for First Home buyers but more often than not, within seconds the excitement is pushed aside and a flood of questions come thorough like 'What happens next?' In this episode I cover off on the next steps that typically happen so you can get prepared for your own home buying journey. 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://courses.360mortgagesolutions.com.au/tfhbp/  Need 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 

Here are the top 5 Tips for First Home Buyers to consider when buying their First home...   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://courses.360mortgagesolutions.com.au/tfhbp/  Need 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  

The first step to budgeting is to actually look at your budget... this can be scary but it can help go a long way to seeing what expenses you can curb and where you can save a little more. To find out more about the government schemes check this episode out - https://www.spreaker.com/episode/first-home-buying-scheme--51205959 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://courses.360mortgagesolutions.com.au/tfhbp/  Need 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 

Just last week I had a First Home Buyer call me in a panic, she had found her home, her offer was accepted and she had just realised that the original broker she was talking to may have given her the wrong advice when he suggested a pre-approval wasn't important. To book a fee free meeting with me head to https://calendly.com/360mortgagesolutions/video-conference

In this episode I explain what rentvesting is and what the pros and cons are so you can start to work out if rentvesting could be something you consider. As always, nothing in this video is advice, in fact, before you consider rentvesting I would encourage you to speak to your Broker and Accountant to get some personalised advice. If you would like to chat to me about your options, please book a free meeting with me here - https://calendly.com/360mortgagesolutions

Family Gurantee is becoming more common with the cost of homes increasing, in this weeks episode I look at what the top 3 most common questions are I get around Gurantorus wanting to use their proeprty to help First home Buyers to get inot the market... To book a time with me head to - https://calendly.com/360mortgagesolutions To find out more about The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/ Need 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

Even as a Frist Home Buyer it is still important to learn and know what loan types there are and what the pros and cons are of each. In light of this, we are talking all things Bridging loans as this is a common discussion I have with my previous First Home buyers. To find out more about The First Home Buyer Info Session check it out here - https://www.eventbrite.com.au/e/the-first-home-buyers-information-session-tickets-837086758027To find out more about The First home Buyer Program check it out here - https://courses.360mortgagesolutions.com.au/tfhbp/ For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions

I always factor in for a building and pest inspection for my clients, it's so important and here's why... to make a fee free appointment you can go here - https://calendly.com/360mortgagesolutions/video-conferenceThe First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ Need 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

Paying weekly or fortnightly saves money right.... sometimes. I say sometimes becuase if you don't watch how the repayments are set up you could be paying the true weekly or fortnightly payment which saves you $0. Listen to this podcase espisode to find out how you can make sure you are saving on your future home loan.

This week we look at the pros and cons of the new Property Share Scheme it's worth noting that is has yet to be realised but here are the pros and cons as I see them now... For a fee free meeting book here -Maryanne - https://calendly.com/360mortgagesolutionsTara - https://calendly.com/tara-360mortgagesolutionsTo find out more about The First Home Buyers Program check it out here -The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/Need help with budgeting, check out The Money Magnet course here -The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/To get free access to The First Home Buyer Info session pop your email here - https://mailchi.mp/bf8aec743375/video-access

Breaking news, this is super exciting becuase from now until June 30 2025 Queensland First Home Buyers can get a grant of $30k towards their First Home. In this epesode I talk about the qualifying detials so you know if this will work for you... Here's a link to my diary if you want to chat more... https://calendly.com/360mortgagesolutions

Paying your loan weekly or fortnightly will save you money right? Wrong!Well, it could be right... it all depends on how the repaymetns are calculated and more often than not, if you leave it up to the bank to set up your repayments they will be set up so even if you are paying weekly or fortnightly you are not saving.The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/ The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ Top 3 mistakes downloadable https://mailchi.mp/1dfc0c01299f/top-3-mistakes

Buying off the plan comes with it's risks, this week I take you through a recent client experience as they were looking at the pros and cons to signing their dream home off the plan...

This is such a common question and I get it... you want to know once we hit the submit button, how long before the bank gives us the green light. There is actually a whole lot more involved behind the scenes when it comes to time frames, and here's why....To find out what lender and timeframe would suit you, contact us at 360 Mortgage Solutions www.360mortgagesolutions.com.auFor a fee free meeting book here -Maryanne - https://calendly.com/360mortgagesolutionsTara - https://calendly.com/tara-360mortgagesolutionsTo find out more about The First Home Buyers Program check it out here - The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/Need 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

Recently I have been talking to a lot of First Home Buyers about rent vesting, this is when they purchase a property to rent out while still living at home with Mum and Dad or renting elsewhere. In this video I go through the pros and cons and what to be mindful of...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://courses.360mortgagesolutions.com.au/tfhbp/ Need 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

Knowing your loan term can make a huge difference in how much interest you pay, it may not seem like much but 5 years worth of interest on a $500k home loan at an interest rate of 5% is $125k so if you don't pay attention to your loan term, it can cost you almost more than a 'bit of interest' In this episode I take you through what you need to be mindful of both for existing home owners and first home buyers to try to minimise your interests over your loan term and ideally, save as much money as possible. 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://courses.360mortgagesolutions.com.au/tfhbp/ Need 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