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If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work...
mostra di più
If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work and how you can save yourself thousands. Either way this podcast is for you.
I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.
mostra meno
I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.
Episodi & Post
Episodi
Post
26 GIU 2025 · 📄 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 includes
- Common issues that come up in reports (and what they mean)
- When to book your inspection during the buying process
- Why skipping an inspection can be a costly mistake
- How to read and interpret an inspection report
- What 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.
19 GIU 2025 · 📄 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 process
- The 4 main types of bank valuations:
- Full Valuation
- Desktop Valuation
- Kerbside Valuation
- Automated Valuation (AVM)
- Which type of valuation your lender might use and why
- How 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 https://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.
12 GIU 2025 · 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 underestimate
- Post-settlement expenses that can strain your budget if not properly planned for
- How mortgage brokers provide comprehensive cost estimates tailored to your specific situation
- Real-life example of how proper cost planning prevented financial stress for first-time buyers
- Queensland-specific information on stamp duty and first home buyer concessions
Resources Mentioned:
- First Home Buyers online course: [link to course]
- Free 15-minute strategy call: https://calendly.com/360mortgagesolutions
- Home 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 8698
- Email: mailto:info@360mortgagesolutions.com.au
- Instagram: [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 inspection
Episode 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.
5 GIU 2025 · 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 back
- The hidden financial cost of waiting for the "perfect time" to enter the market
- Practical strategies to build confidence in your home buying journey
- Real success stories from clients who overcame property market anxiety
- How to determine if you're actually closer to buying than you think
Resources Mentioned:
- First Home Buyers online course: [link to course]
- Free 15-minute strategy call: https://calendly.com/360mortgagesolutions
- Budget assessment worksheet: [link to resource]
Connect with 360 Mortgage Solutions:
- Website: https://360mortgagesolutions.com.au/
- Phone: (07) 3520 8698
- Email: mailto:info@360mortgagesolutions.com.au
- Instagram: [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 tips
Episode 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.
30 MAG 2025 · 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 includes
- Why it’s essential for every property, even brand-new builds
- Common issues first home buyers should look out for
- Real-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
23 MAG 2025 · 📝 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 works
- Who it’s best suited for (and who it’s not right for)
- The financial pros and cons to consider before jumping in
- Real 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
16 MAG 2025 · 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 changer
- The most common mistakes first home buyers make—and how to avoid them
- Where 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.
8 MAG 2025 · We’re back with Part 2 of our conversation with Chris Liu from #, 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 buyer
- What happens after your offer is accepted
- How 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.
1 MAG 2025 · In this episode of The First Home Buyer Program Podcast, we sit down with Chris Liu from # 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 now
- How to know if a property is a good first purchase
- Common 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!
25 APR 2025 · 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 mindset
- Why your beliefs about money can sabotage your savings efforts
- How 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 results
- How to start thinking like someone who’s ready to buy their first home
Links & 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. https://maryanne-elliott.mykajabi.com/offers/w9cKZQaV Let’s Stay Connected:
📲 Follow https://www.instagram.com/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
If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work...
mostra di più
If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work and how you can save yourself thousands. Either way this podcast is for you.
I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.
mostra meno
I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.
Informazioni
| Autore | Maryanne Elliott |
| Organizzazione | Maryanne Elliott |
| Categorie | Istruzione |
| Sito | www.360mortgagesolutions.com.au |
| maryanne@360mortgagesolutions.com.au |
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