If buying a home feels harder (and way more confusing) than it did a year ago, no, you’re not imagining it. The rules have changed, the competition has changed, and suddenly everyone is talking about 5% deposits like they’re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what’s actually going on in the property market heading into 2026. We unpack the headline changes everyone’s yelling about, what they mean in real life, and Jac’s inside scoop on how banks are really assessing and approving loans right now. Plus we answer the biggest property finance questions straight from our community. This episode is all about putting yourself in the strongest possible position to buy, without spiralling, second-guessing every move, or making rushed decisions you regret later.

In this ep: 
🏡 Why buying with five percent feels easier and more stressful at the same time
🏡 What banks have changed behind the scenes… and why it matters to you
🏡 The mistake first home buyers are making before they even start looking
🏡 How to buy without panic-bidding, overcommitting, or regretting it later
🏡 Why Victoria isn’t racing to pay off her mortgage (on purpose)
🏡 Hacks that shave years and thousands off your mortgage


For all your mortgage and refinancing needs, you can contact Zella here.

FURTHER LISTENING: Our last episodes with Jac
Want to Buy Property in 2025? Here's How to Get Prepared
Can Refinancing Really Save You Thousands?

EVEN MORE PROPERTY EPISODES: Our full property playlist is here. 

FREEBIE: Get our She's on the Money Mortgage rate calculator here.

Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.

And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.

Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.

The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.

If buying a home feels harder (and way more confusing) than it did a year ago, no, you&rsquo;re not imagining it. The rules have changed, the competition has changed, and suddenly everyone is talking about 5% deposits like they&rsquo;re either your golden ticket or the end of the world. Lucky for us, mortgage queen Jaclyn Walsh is here to break down what&rsquo;s actually going on in the property market heading into 2026. We unpack the headline changes everyone&rsquo;s yelling about, what they mean in real life, and Jac&rsquo;s inside scoop on how banks are really assessing and approving loans right now. Plus we answer the biggest property finance questions straight from our community.&nbsp;This episode is all about putting yourself in the strongest possible position to buy, without spiralling, second-guessing every move, or making rushed decisions you regret later. In this ep:&nbsp; 🏡 Why buying with five percent feels easier and more stressful at the same time 🏡 What banks have changed behind the scenes&hellip; and why it matters to you 🏡 The mistake first home buyers are making before they even start looking 🏡 How to buy without panic-bidding, overcommitting, or regretting it later 🏡 Why Victoria isn&rsquo;t racing to pay off her mortgage (on purpose) 🏡 Hacks that shave years and thousands off your mortgage
 For all your mortgage and refinancing needs, you can contact Zella <a href="https://www.zella.com.au/">here</a>. FURTHER LISTENING:&nbsp;Our last episodes with Jac <a href="https://open.spotify.com/episode/23OLp90m0ebnw8HrmumRZC?si=6d8a9b04b6374a6f">Want to Buy Property in 2025? Here's How to Get Prepared</a> <a href="https://open.spotify.com/episode/65kXgYBQiMfB0b1Kk8mTIs?si=4db98036a28a4955">Can Refinancing Really Save You Thousands?</a> EVEN MORE PROPERTY EPISODES: Our full property playlist is <a href="https://open.spotify.com/playlist/4FkIQbMEHzPvELTNRzoBlQ?si=e053329fbf8649b4">here</a>.&nbsp; FREEBIE: Get our She's on the Money Mortgage rate calculator <a href="https://www.shesonthemoney.com.au/subscribe-for-resources">here</a>. Join our&nbsp;<a href="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-stringify-link="https://www.facebook.com/groups/ShesontheMoneyAUS/" data-sk="tooltip_parent" data-auth="NotApplicable">Facebook Group</a>&nbsp;AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on&nbsp;<a href="https://www.instagram.com/shesonthemoneyaus/" data-stringify-link="https://www.instagram.com/shesonthemoneyaus/" data-sk="tooltip_parent" data-auth="NotApplicable">Instagram</a>&nbsp;for Q&amp;As, bite-sized tips, daily money inspo... and relatable money memes that&nbsp;just&nbsp;get you. Acknowledgement of Country By Nartarsha Bamblett aka&nbsp;<a href="https://www.queenacknowledgements.com/" data-stringify-link="https://www.queenacknowledgements.com/" data-sk="tooltip_parent" data-auth="NotApplicable">Queen Acknowledgements.</a>
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and —yes—actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt— all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat—just way better for your bank balance. 

It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.  

Australia’s #1 finance podcast. Ready to take control of your money without the stress (or boring lectures)? This is the show for you. Hosted by award-winning financial expert and your ultimate money hype girl, Victoria Devine, SOTM makes personal finance relatable, empowering, and —yes—actually fun. Join a community of 400,000+ smashing their financial goals, from buying their first property to learning to invest, levelling up their careers, or tackling budgeting, saving and debt— all without giving up their morning latte. From Deep Dives into the topics you care about, to pervy looks at real-life Money Diaries or cheeky Friday Drinks money talk with the girls, Victoria and her team make finance feel like your group chat—just way better for your bank balance. 
It's honest, relatable and non-judgmental talk about personal finance, investing, real estate, career and business... with a big dose of fun.

Empowering you to take control of your finances, one relatable, brunch-worthy chat at a time.

She's On The Money

Millennial money expert Victoria Devine shares her foolproof tips for financial freedom.

How to Buy Property in 2026: Everthing You Need to Know Before Getting a Mortgage

https://api.omny.fm/orgs/fa326977-3de5-4283-9b8b-af3500c58607/clips/ad889eb1-f1b0-46e5-82ab-b3d10070f425/transcript