In this special crossover of Property Insights with Mark Bouris and Broker Room podcasts, we are joined Yellow Brick Road Home Loans brokers and branch owners, Tom Haggie (YBR North Sydney), Effie Nicol (YBR Earlwood), and Mel Falanga (YBR Leppington), as they delve into the complexities of the current lending landscape. In this Roundtable Special, we explore:
Challenges for First Home Buyers: Effie shares the common hurdles faced by first-time buyers and the importance of preparation and budgeting.
The Significance of Pre-Approval: Understand why obtaining a pre-approval is a crucial step in the property buying process.
Impact of Spending Habits: Mel discusses how lifestyle choices can affect loan approvals and offers tips for financial discipline.
Decoding HEM: Learn about the Household Expenditure Measure (HEM) and its role in determining borrowing capacity.
Supporting Self-Employed Borrowers: Discover the unique challenges self-employed individuals face and how brokers can assist.
Role of Non-Bank Lenders: Mel highlights the flexibility and options provided by non-bank lenders for small business owners.
Emerging Trends: Explore the growing use of self-managed super funds for property investment and refinancing opportunities

00:00:21 Introduction 00:03:48 Challenges for First Home Buyers 00:05:46 Importance of Pre-Approval 00:09:50 Spending Habits and Loan Approval 00:13:02 Understanding HEM and Borrowing Capacity 00:29:27 Self-Employed Borrowers and Loan Structures 00:47:38 Non-Bank Lenders and Their Role 00:48:52 Changes in Borrowing Trends 00:52:28 Self-Managed Super Funds and Refinancing -- Catch up on more episodes in the Property Insights podcast: https://yhomeloans.com.au/property-in... Chat with a YBR Broker: https://ybr.com.au/refinance-flagship... Get in touch with Yellow Brick Road: https://ybr.com.au/enquiry/ Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927.

In this special crossover of Property Insights with Mark Bouris and Broker Room podcasts, we are joined Yellow Brick Road Home Loans brokers and branch owners, Tom Haggie (YBR North Sydney), Effie Nicol (YBR Earlwood), and Mel Falanga (YBR Leppington), as they delve into the complexities of the current lending landscape. In this Roundtable Special, we explore:
<ul dir="ltr">
<li>Challenges for First Home Buyers: Effie shares the common hurdles faced by first-time buyers and the importance of preparation and budgeting.</li>
<li>The Significance of Pre-Approval: Understand why obtaining a pre-approval is a crucial step in the property buying process.</li>
<li>Impact of Spending Habits: Mel discusses how lifestyle choices can affect loan approvals and offers tips for financial discipline.</li>
<li>Decoding HEM: Learn about the Household Expenditure Measure (HEM) and its role in determining borrowing capacity.</li>
<li>Supporting Self-Employed Borrowers: Discover the unique challenges self-employed individuals face and how brokers can assist.</li>
<li>Role of Non-Bank Lenders: Mel highlights the flexibility and options provided by non-bank lenders for small business owners.</li>
<li>Emerging Trends: Explore the growing use of self-managed super funds for property investment and refinancing opportunities</li>
</ul>
<a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=21s" aria-label="21 seconds">00:00:21</a> Introduction <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=228s" aria-label="3 minutes, 48 seconds">00:03:48</a> Challenges for First Home Buyers <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=346s" aria-label="5 minutes, 46 seconds">00:05:46</a> Importance of Pre-Approval <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=590s" aria-label="9 minutes, 50 seconds">00:09:50</a> Spending Habits and Loan Approval <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=782s" aria-label="13 minutes, 2 seconds">00:13:02</a> Understanding HEM and Borrowing Capacity <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=1767s" aria-label="29 minutes, 27 seconds">00:29:27</a> Self-Employed Borrowers and Loan Structures <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=2858s" aria-label="47 minutes, 38 seconds">00:47:38</a> Non-Bank Lenders and Their Role <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=2932s" aria-label="48 minutes, 52 seconds">00:48:52</a> Changes in Borrowing Trends <a href="https://www.youtube.com/watch?v=P5HNSbxhuMo&amp;t=3148s" aria-label="52 minutes, 28 seconds">00:52:28</a> Self-Managed Super Funds and Refinancing -- Catch up on more episodes in the Property Insights podcast: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqa3prdDRpaUVmTThLWnVOUEE0aE1jWXZNR0hBd3xBQ3Jtc0tuMWJsNkdvNVNIZEp1UWZNZW5PYUxNTDJjNnZkWW1Yd2xGT3FQaFVqTWJqSnZwZUl5clJKZjJWRzRNVV9MbUhzRkJDcm05cGpNRTc1ZXc4OE9IRDBsTVBIZVMtVHJLYXUwZG4tc1lYZ0RFRThlclE1QQ&amp;q=https%3A%2F%2Fyhomeloans.com.au%2Fproperty-insights%2F&amp;v=P5HNSbxhuMo">https://yhomeloans.com.au/property-in...</a> Chat with a YBR Broker: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqa1hEaHNORGthMTRZR1AwcG9BamZfazhwM2NNUXxBQ3Jtc0ttVG5XeHdjMkZPWEVQMERBeDc1M1BBbkxpeW55aFVfbTFRcktrandocWx5czlEb0ItUTJ2b0pHdEVlUUotakJyQkxObkxLWXZ4WlhMWUtYa2c1azNaOG9rc0FhaHp0U2NiTWhCRktHdjRKOEhDQ1pXbw&amp;q=https%3A%2F%2Fybr.com.au%2Frefinance-flagship-campaign-rates%2F&amp;v=P5HNSbxhuMo">https://ybr.com.au/refinance-flagship...</a> Get in touch with Yellow Brick Road: <a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqazJ4VUphZ29PRkJzSjl6UHhwV2NpVFV2MmhQZ3xBQ3Jtc0tscUdnZHhNMTlJME93YWJuaE5zbEtqVkVCd0xzaE9DWmxNWk9uN1h3MHFpS0xJYUw5TGNzWG5xNEhWNXllT2M3UjZNb1Ewd0pkd3V3SHhjWlhncEtNSXpFcldmeWZmVmUwUGxiYkdOTlMtVjNhOGtqbw&amp;q=https%3A%2F%2Fybr.com.au%2Fenquiry%2F&amp;v=P5HNSbxhuMo">https://ybr.com.au/enquiry/</a> Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927.

Keep up to date with what’s happening in the Australian mortgage industry with well-known expert in the mortgage and finance broking sector, Sarah Wells.

The Broker Room connects leading experts in their field to share advice, property market trends and business strategies. Whether you’re an aspiring mortgage broker, looking to make a career change or staying informed, learn how to cut through and build a successful career in the home lending business.

Keep up to date with what’s happening in the Australian mortgage industry with well-known expert in the mortgage and finance broking sector, Sarah Wells.
The Broker Room connects leading experts in their field to share advice, property market trends and business strategies. Whether you’re an aspiring mortgage broker, looking to make a career change or staying informed, learn how to cut through and build a successful career in the home lending business.

Your Broker Room

Keep up to date with what’s happening in the Australian mortgage industry with well-known expert in the mortgage and finance broking sector, Glen Mitchell. The Broker Room connects leading experts in their field to share advice, property market trends and business strategies. Whether you’re an aspiring mortgage broker, looking to make a career change or staying informed, learn how to cut through and build a successful career in the home lending business.

Keep up to date with what&rsquo;s happening in the Australian mortgage industry with well-known expert in the mortgage and finance broking sector, Glen Mitchell. The Broker Room connects leading experts in their field to share advice, property market trends and business strategies. Whether you&rsquo;re an aspiring mortgage broker, looking to make a career change or staying informed, learn how to cut through and build a successful career in the home lending business.

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