Rentvesting—it sounds like a smart way to get into the property market while keeping your lifestyle intact, doesn’t it? But is it the right move for your long-term financial future? This week, we unpack what it takes to make rentvesting work and how to avoid falling into common traps that could cost you more than you bargained for. Joining us is David Johnston, Mortgage Strategist at Property Planning Australia, to help us break it all down.

We explore a hypothetical scenario where Kath, a first-time buyer, is trying to decide whether to buy a home to live in or an investment property while continuing to rent where she loves. Through this scenario, we unpack the hidden factors people often overlook—like borrowing capacity, government incentives, tax implications, and the risks of investing in markets that may not perform as well as expected. It’s about more than just numbers; it’s about having a plan that aligns with your lifestyle and future goals.

David shares why forward planning is key, including structuring your loan in a way that keeps your options open down the track. Then, we also explore the trade-offs between high-yield and high-growth properties and why asset selection is critical if you want to avoid the pitfalls that catch so many first-time buyers out.

If you’re considering rentvesting as a way to get ahead, this episode is for you. We unpack how to take a long-term view, weigh up your options, and make smart decisions that will set you up for success—not just now but for years to come. It’s all about being strategic and confident in your choices.

Episode Highlights:

00:00 - Introduction

02:13 - Our guest for today – David Johnston

03:27 - To set the scene: should Kath buy a home to live in or an investment property?

06:37 - Does borrowing capacity differ when buying an investment property vs a home to live in?

07:52 - Short-term considerations when choosing between a home and an investment property

11:03 - Do interest rates have an impact on the choice between buying a home or investing?

14:09 - Challenges of rentvestors buying properties outside their state

25:21 - What needs to go right for rentvestors to afford their dream home later?

28:43 - Why does borrowing capacity go down when interest rates go up?

31:58 - Is it risky to buy a cheap property for rental income while saving for a home?

34:55 - What are the risks and benefits of renting out rooms in your owner-occupied property?

37:20 - What happens if you become an accidental investor by buying in an unfamiliar area?

45:14 - One thing David knows now that he wishes he knew as a first home buyer

About Our Guest:

David Johnston is the founder of Property Planning Australia, a firm dedicated to providing independent property and mortgage strategy advice. With a focus on helping families build wealth and security, David believes in the power of property as both a home and a financial asset. His approach centers on unbiased, client-focused advice, free from conflicts of selling investment products. David is also the author of How to Succeed with Property to Create Your Ideal Lifestyle and Property for Life – Using Property to Plan Your Financial Future, both published by Wiley.

Connect with David Johnston:


Websitehttps://propertyplanning.com.au/


LinkedIn https://au.linkedin.com/in/david-johnston-8534871


The Property Trio Podcast https://www.propertytrio.com.au/

Resources mentioned in this episode:


Your First Home Buyer Guide Podcast Episode #9: What is the Importance of a Borrowing Strategy? https://homebuyeracademy.com.au/podcasts/009

Resources:


FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse


Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers


Visit our website https://www.homebuyeracademy.com.au/


Join our Facebook Group to get access to free monthly live Q&A sessions


https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia


Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG


If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au


Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au


Work with Veronica: https://www.veronicamorgan.com.au


Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/


Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!


Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast


Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825


Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

 

Rentvesting&mdash;it sounds like a smart way to get into the property market while keeping your lifestyle intact, doesn&rsquo;t it? But is it the right move for your long-term financial future? This week, we unpack what it takes to make rentvesting work and how to avoid falling into common traps that could cost you more than you bargained for. Joining us is David Johnston, Mortgage Strategist at Property Planning Australia, to help us break it all down.
We explore a hypothetical scenario where Kath, a first-time buyer, is trying to decide whether to buy a home to live in or an investment property while continuing to rent where she loves. Through this scenario, we unpack the hidden factors people often overlook&mdash;like borrowing capacity, government incentives, tax implications, and the risks of investing in markets that may not perform as well as expected. It&rsquo;s about more than just numbers; it&rsquo;s about having a plan that aligns with your lifestyle and future goals.
David shares why forward planning is key, including structuring your loan in a way that keeps your options open down the track. Then, we also explore the trade-offs between high-yield and high-growth properties and why asset selection is critical if you want to avoid the pitfalls that catch so many first-time buyers out.
If you&rsquo;re considering rentvesting as a way to get ahead, this episode is for you. We unpack how to take a long-term view, weigh up your options, and make smart decisions that will set you up for success&mdash;not just now but for years to come. It&rsquo;s all about being strategic and confident in your choices.
Episode Highlights:
00:00 - Introduction
02:13 - Our guest for today &ndash; David Johnston
03:27 - To set the scene: should Kath buy a home to live in or an investment property?
06:37 - Does borrowing capacity differ when buying an investment property vs a home to live in?
07:52 - Short-term considerations when choosing between a home and an investment property
11:03 - Do interest rates have an impact on the choice between buying a home or investing?
14:09 - Challenges of rentvestors buying properties outside their state
25:21 - What needs to go right for rentvestors to afford their dream home later?
28:43 - Why does borrowing capacity go down when interest rates go up?
31:58 - Is it risky to buy a cheap property for rental income while saving for a home?
34:55 - What are the risks and benefits of renting out rooms in your owner-occupied property?
37:20 - What happens if you become an accidental investor by buying in an unfamiliar area?
45:14 - One thing David knows now that he wishes he knew as a first home buyer
About Our Guest:
David Johnston is the founder of Property Planning Australia, a firm dedicated to providing independent property and mortgage strategy advice. With a focus on helping families build wealth and security, David believes in the power of property as both a home and a financial asset. His approach centers on unbiased, client-focused advice, free from conflicts of selling investment products. David is also the author of How to Succeed with Property to Create Your Ideal Lifestyle and Property for Life &ndash; Using Property to Plan Your Financial Future, both published by Wiley.
Connect with David Johnston:
<ul>
<li dir="ltr" aria-level="1">
Website <a href="https://propertyplanning.com.au/">https://propertyplanning.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
LinkedIn <a href="https://au.linkedin.com/in/david-johnston-8534871">https://au.linkedin.com/in/david-johnston-8534871</a>
</li>
<li dir="ltr" aria-level="1">
The Property Trio Podcast <a href="https://www.propertytrio.com.au/">https://www.propertytrio.com.au/</a>
</li>
</ul>
Resources mentioned in this episode:
<ul>
<li dir="ltr" aria-level="1">
Your First Home Buyer Guide Podcast Episode #9: What is the Importance of a Borrowing Strategy? <a href="https://homebuyeracademy.com.au/podcasts/009">https://homebuyeracademy.com.au/podcasts/009</a>
</li>
</ul>
Resources:
<ul>
<li dir="ltr" aria-level="1">
FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a>
</li>
<li dir="ltr" aria-level="1">
Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a>
</li>
<li dir="ltr" aria-level="1">
Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Join our Facebook Group to get access to free monthly live Q&amp;A sessions
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a>
</li>
<li dir="ltr" aria-level="1">
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a>
</li>
<li dir="ltr" aria-level="1">
If you have any questions or would like to be featured on our show, contact us at:&nbsp;Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a>
</li>
</ul>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
<ul>
<li dir="ltr" aria-level="1">
Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a>
</li>
<li dir="ltr" aria-level="1">
Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825"></a>Subscribe on Spotify:&nbsp;<a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a>
</li>
</ul>
&nbsp;

How Rentvesting Can Secure—or Sabotage—Your Financial Future

Think paying everything in cash is the best way to stay financially secure? Think again. In this episode, we explore why having no credit history can actually hurt you when it’s time to apply for a home loan—and what you can do to build a solid credit profile.

We’re joined by Kevin James, General Manager at Equifax, who unpacks the ins and outs of credit scores: what they are, how they’re calculated, and why they matter. You’ll learn how things like paying your bills on time and being mindful of your credit applications can positively impact your score. Kevin also clears up misconceptions about buy-now-pay-later services and why they don’t do much to boost your creditworthiness.

If your credit score isn’t where you’d like it to be, don’t worry—we’ve got you covered. Kevin shares practical steps for repairing a bad score, including how to check your credit report for free and the importance of working with your lender when times get tough. He also talks about the surprising benefits of small financial habits, like managing a credit card or phone plan in your name.

This episode is your guide to understanding and improving your credit score, helping you get closer to your goal of homeownership. Listen now and take that next step toward financial confidence!

Episode Highlights:

00:00 - Introduction

01:59 - Who is Kevin James?

03:30 - What does a credit score actually look like?

04:55 - What behaviours or actions impact a credit score?

06:49 - When does one start getting a credit score?

08:40 - Full payment vs. Minimum payment on credit card bill: what’s best for your credit score?

09:27 - How does “buy now, pay later” services like Afterpay influence a credit score?

10:36 - Why are credit scores important for first home buyers?

12:03 - How to find out what your credit score is

15:07 - How does one get a bad credit score

18:24 - How do you repair a bad credit score

22:31 - What impact does applying for multiple credit products have on a credit score?

25:26 - The role of AI in calculating credit scores

26:21 - Can parents managing bills hinder credit building for adult children?

28:54 - Why does Money Smart advise against paying for credit score repair services?

33:34 - What Kevin wishes he knew about credit scores as a first home buyer

About Our Guest:

Kevin James is the Chief Solutions Officer at Equifax Australia, leveraging his deep expertise in credit scores and financial analytics. With over six years at Equifax, including leading Advisory & Analytics Consultancy Services, Kevin has built a reputation for delivering strategic insights and innovative solutions. Known for his passion and ability to engage on complex topics, he previously held leadership roles at ANZ, focusing on customer engagement and risk strategy. Based in Melbourne, Australia, Kevin is a recognised thought leader in financial services.

Connect with Kevin James:


LinkedIn https://au.linkedin.com/in/kevin-james-b1b0b558

Resources:


FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse


Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers


Visit our website https://www.homebuyeracademy.com.au/


Join our Facebook Group to get access to free monthly live Q&A sessions


https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia


Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG


If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au


Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au


Work with Veronica: https://www.veronicamorgan.com.au


Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/


Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!


Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast


Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825


Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

 

Think paying everything in cash is the best way to stay financially secure? Think again. In this episode, we explore why having no credit history can actually hurt you when it&rsquo;s time to apply for a home loan&mdash;and what you can do to build a solid credit profile.
We&rsquo;re joined by Kevin James, General Manager at Equifax, who unpacks the ins and outs of credit scores: what they are, how they&rsquo;re calculated, and why they matter. You&rsquo;ll learn how things like paying your bills on time and being mindful of your credit applications can positively impact your score. Kevin also clears up misconceptions about buy-now-pay-later services and why they don&rsquo;t do much to boost your creditworthiness.
If your credit score isn&rsquo;t where you&rsquo;d like it to be, don&rsquo;t worry&mdash;we&rsquo;ve got you covered. Kevin shares practical steps for repairing a bad score, including how to check your credit report for free and the importance of working with your lender when times get tough. He also talks about the surprising benefits of small financial habits, like managing a credit card or phone plan in your name.
This episode is your guide to understanding and improving your credit score, helping you get closer to your goal of homeownership. Listen now and take that next step toward financial confidence!
Episode Highlights:
00:00 - Introduction
01:59 - Who is Kevin James?
03:30 - What does a credit score actually look like?
04:55 - What behaviours or actions impact a credit score?
06:49 - When does one start getting a credit score?
08:40 - Full payment vs. Minimum payment on credit card bill: what&rsquo;s best for your credit score?
09:27 - How does &ldquo;buy now, pay later&rdquo; services like Afterpay influence a credit score?
10:36 - Why are credit scores important for first home buyers?
12:03 - How to find out what your credit score is
15:07 - How does one get a bad credit score
18:24 - How do you repair a bad credit score
22:31 - What impact does applying for multiple credit products have on a credit score?
25:26 - The role of AI in calculating credit scores
26:21 - Can parents managing bills hinder credit building for adult children?
28:54 - Why does Money Smart advise against paying for credit score repair services?
33:34 - What Kevin wishes he knew about credit scores as a first home buyer
About Our Guest:
Kevin James is the Chief Solutions Officer at Equifax Australia, leveraging his deep expertise in credit scores and financial analytics. With over six years at Equifax, including leading Advisory &amp; Analytics Consultancy Services, Kevin has built a reputation for delivering strategic insights and innovative solutions. Known for his passion and ability to engage on complex topics, he previously held leadership roles at ANZ, focusing on customer engagement and risk strategy. Based in Melbourne, Australia, Kevin is a recognised thought leader in financial services.
Connect with Kevin James:
<ul>
<li dir="ltr" aria-level="1">
LinkedIn <a href="https://au.linkedin.com/in/kevin-james-b1b0b558">https://au.linkedin.com/in/kevin-james-b1b0b558</a>
</li>
</ul>
Resources:
<ul>
<li dir="ltr" aria-level="1">
FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a>
</li>
<li dir="ltr" aria-level="1">
Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a>
</li>
<li dir="ltr" aria-level="1">
Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Join our Facebook Group to get access to free monthly live Q&amp;A sessions
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a>
</li>
<li dir="ltr" aria-level="1">
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a>
</li>
<li dir="ltr" aria-level="1">
If you have any questions or would like to be featured on our show, contact us at:&nbsp;Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a>
</li>
</ul>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
<ul>
<li dir="ltr" aria-level="1">
Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a>
</li>
<li dir="ltr" aria-level="1">
Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825"></a>Subscribe on Spotify:&nbsp;<a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a>
</li>
</ul>
&nbsp;

How to Get and Maintain a Good Credit Score

Rentvesting might sound like the answer to getting into the property market, but is it the right choice for you? In this episode, we’re unpacking everything you need to think about before taking this path. From the practical costs and emotional decisions to the crucial differences between buying as an investor and as an owner-occupier, we’re covering it all.

And this is not advice to go one way or the other. Let’s be really clear about that. Our goal is to give you the information you need to weigh your options, consider your goals, and decide what’s best for your circumstances. Rentvesting isn’t just about “getting into the market”—it’s about understanding what comes next, and how to make it work for you in the long term.

We’ll also touch on the hidden traps, like chasing high rental yields or overlooking critical long-term factors like capital growth. Plus, we’ll discuss why location matters so much and why making the wrong call here can derail your plans. It’s all about avoiding mistakes while keeping your future goals in sight.

This conversation isn’t just theory—we’re preparing you to make educated, confident decisions about rentvesting. And if you’ve got questions about the financial side of things, stay tuned for upcoming episodes where we’ll dive into those details with the experts. This is about giving you the tools to plan smart and avoid regret.

Episode Highlights:

00:00 - Introduction

02:07 - Meighan’s special house of the week

04:18 - Consideration #1: What is your goal?

07:28 - Red flag! Rentvesting is very different from the stepping stone strategy

06:03 - Consideration #2: What’s your time frame?

08:45 - Consideration #3: Purchasing costs

10:29 - Consideration #4: Running costs

14:43 - What’s a really big mistake most property investors and/or rentvestors make?

15:20 - Consideration #5: Rent won’t make you rich

17:27 - Consideration #6: Capital growth will make you rich

24:35 - Consideration #7: Location overwhelm and home bias

29:52 - Consideration #8: Danger zones and the need for a long-term view

Resources mentioned in this episode:


Kickstart Tutorial for First Home Buyers https://www.homebuyeracademy.com.au/tutorials

Resources:


FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse


Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers


Visit our website https://www.homebuyeracademy.com.au/


Join our Facebook Group to get access to free monthly live Q&A sessions


https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia


Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG


If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast - support@homebuyeracademy.com.au


Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au


Work with Veronica: https://www.veronicamorgan.com.au


Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/


Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!


Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast


Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825


Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Rentvesting might sound like the answer to getting into the property market, but is it the right choice for you? In this episode, we’re unpacking everything you need to think about before taking this path. From the practical costs and emotional decisions to the crucial differences between buying as an investor and as an owner-occupier, we’re covering it all.
And this is not advice to go one way or the other. Let’s be really clear about that. Our goal is to give you the information you need to weigh your options, consider your goals, and decide what’s best for your circumstances. Rentvesting isn’t just about “getting into the market”—it’s about understanding what comes next, and how to make it work for you in the long term.
We’ll also touch on the hidden traps, like chasing high rental yields or overlooking critical long-term factors like capital growth. Plus, we’ll discuss why location matters so much and why making the wrong call here can derail your plans. It’s all about avoiding mistakes while keeping your future goals in sight.
This conversation isn’t just theory—we’re preparing you to make educated, confident decisions about rentvesting. And if you’ve got questions about the financial side of things, stay tuned for upcoming episodes where we’ll dive into those details with the experts. This is about giving you the tools to plan smart and avoid regret.
Episode Highlights:
00:00 - Introduction
02:07 - Meighan’s special house of the week
04:18 - Consideration #1: What is your goal?
07:28 - Red flag! Rentvesting is very different from the stepping stone strategy
06:03 - Consideration #2: What’s your time frame?
08:45 - Consideration #3: Purchasing costs
10:29 - Consideration #4: Running costs
14:43 - What’s a really big mistake most property investors and/or rentvestors make?
15:20 - Consideration #5: Rent won’t make you rich
17:27 - Consideration #6: Capital growth will make you rich
24:35 - Consideration #7: Location overwhelm and home bias
29:52 - Consideration #8: Danger zones and the need for a long-term view
Resources mentioned in this episode:
<ul>
<li dir="ltr" aria-level="1">
Kickstart Tutorial for First Home Buyers <a href="https://www.homebuyeracademy.com.au/tutorials">https://www.homebuyeracademy.com.au/tutorials</a>
</li>
</ul>
Resources:
<ul>
<li dir="ltr" aria-level="1">
FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a>
</li>
<li dir="ltr" aria-level="1">
Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a>
</li>
<li dir="ltr" aria-level="1">
Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Join our Facebook Group to get access to free monthly live Q&amp;A sessions
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a>
</li>
<li dir="ltr" aria-level="1">
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a>
</li>
<li dir="ltr" aria-level="1">
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast - <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a>
</li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li dir="ltr" aria-level="1">
Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a>
</li>
<li dir="ltr" aria-level="1">
Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825"></a>Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a>
</li>
</ul>

Rentvesting: What You Need to Know Before Taking the Leap

What would you do if you found out a single mistake could cost you $60,000 on your first home? That’s exactly what happened to Jessica, and we’re diving into her story today. This is one tough lesson about what can go wrong when you don’t have the right advice or information. The good news? By learning what went wrong, you’ll know exactly what to do to avoid a similar disaster.

In this episode, we break down Jessica’s experience step by step and we start with explaining how things spiralled out of control, from signing a contract too early to not having the right support crew in place. We share what questions Jessica should’ve asked, why due diligence matters so much, and how skipping one simple step left her facing potential bankruptcy.

But it’s not all doom and gloom! We’re here to guide you on how to do things the right way. From understanding body corporate fees and special levies to the value of engaging a good conveyancer before you make an offer, we’re arming you with the knowledge you need to be an educated homebuyer.

By the end of this episode, you’ll know how to spot red flags, negotiate smartly, and protect yourself from hidden costs. After all, it’s all about being in control, making informed decisions, and feeling confident on your journey to homeownership. So let’s make sure your first home is everything you dreamed of—without the nightmares.

Episode Highlights:

00:00 - Introduction

02:15 - A little backstory about today’s disaster story

04:00 - Lessons from Jessica’s mistakes

04:34 - Never sign a contract without legal advice especially if the contract is legally binding

05:33 - Why understanding disclosure statements and body corporate minutes is essential

09:01 - Knowing the right questions to ask the vendors and agents

12:30 - Why getting the right support crew is number ONE in our first home buyer guide

14:23 - What you need to know about property disclosure obligations

21:00 - Step #1: Inspect the property critically

21:52 - Step #2: Do price research

22:36 - Step #3: Order a strata report and read it

23:51 - Step #4: Take the contract of sale and the strata report to your lawyer

25:30 - Step #5: Evaluating special levies before buying property

28:33 - Step #6: Negotiate with the agent

Resources:


FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse


Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers


Visit our website https://www.homebuyeracademy.com.au/


Join our Facebook Group to get access to free monthly live Q&A sessions


https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia


Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG


If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au


Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au


Work with Veronica: https://www.veronicamorgan.com.au


Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/


Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!


Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast


Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825


Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

What would you do if you found out a single mistake could cost you $60,000 on your first home? That’s exactly what happened to Jessica, and we’re diving into her story today. This is one tough lesson about what can go wrong when you don’t have the right advice or information. The good news? By learning what went wrong, you’ll know exactly what to do to avoid a similar disaster.
In this episode, we break down Jessica’s experience step by step and we start with explaining how things spiralled out of control, from signing a contract too early to not having the right support crew in place. We share what questions Jessica should’ve asked, why due diligence matters so much, and how skipping one simple step left her facing potential bankruptcy.
But it’s not all doom and gloom! We’re here to guide you on how to do things the right way. From understanding body corporate fees and special levies to the value of engaging a good conveyancer before you make an offer, we’re arming you with the knowledge you need to be an educated homebuyer.
By the end of this episode, you’ll know how to spot red flags, negotiate smartly, and protect yourself from hidden costs. After all, it’s all about being in control, making informed decisions, and feeling confident on your journey to homeownership. So let’s make sure your first home is everything you dreamed of—without the nightmares.
Episode Highlights:
00:00 - Introduction
02:15 - A little backstory about today’s disaster story
04:00 - Lessons from Jessica’s mistakes
04:34 - Never sign a contract without legal advice especially if the contract is legally binding
05:33 - Why understanding disclosure statements and body corporate minutes is essential
09:01 - Knowing the right questions to ask the vendors and agents
12:30 - Why getting the right support crew is number ONE in our first home buyer guide
14:23 - What you need to know about property disclosure obligations
21:00 - Step #1: Inspect the property critically
21:52 - Step #2: Do price research
22:36 - Step #3: Order a strata report and read it
23:51 - Step #4: Take the contract of sale and the strata report to your lawyer
25:30 - Step #5: Evaluating special levies before buying property
28:33 - Step #6: Negotiate with the agent
Resources:
<ul>
<li dir="ltr" aria-level="1">
FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a>
</li>
<li dir="ltr" aria-level="1">
Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a>
</li>
<li dir="ltr" aria-level="1">
Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Join our Facebook Group to get access to free monthly live Q&amp;A sessions
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a>
</li>
<li dir="ltr" aria-level="1">
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a>
</li>
<li dir="ltr" aria-level="1">
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a>
</li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li dir="ltr" aria-level="1">
Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a>
</li>
<li dir="ltr" aria-level="1">
Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825"></a>Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a>
</li>
</ul>

Could One Small Oversight Cost You $60k as a First Home Buyer?

Are you sure those common property beliefs you've heard are actually sound advice? In this episode, we dig into some widely accepted opinions about property that simply don’t hold up when you look at them more closely. From the idea that "you should buy as soon as you can afford anything" to "buying under market value" or "starting with an investment property," we discuss why these might not be as foolproof as they seem.

We explore how rushing to get on the property ladder by purchasing any available property can backfire. It’s not just about getting your foot in the door—what you buy can have long-term implications on your finances and future choices. We also dive into the real costs associated with choosing the wrong property or falling into the trap of thinking a "bargain" always means value.

Beyond the initial myths, we challenge the belief that buying an investment property before your first home guarantees success. While this may work for some, it’s not the blanket solution that many claim it to be. We also touch on the misleading allure of buying "under market value" and why properties without competition could be signaling red flags you need to watch out for.

If you’ve ever been tempted by quick-fix solutions like “instant equity uplift” or the idea that the only way to make money is through renovation, this episode offers the insights you need to avoid costly mistakes. We wrap it up with tips on how to apply critical thinking to common property advice, ensuring you're making informed decisions that suit your unique circumstances.

Episode Highlights:

00:00 - Introduction

02:04 - Meighan’s special house of the week

04:42 - Buy as soon as you can afford anything just to get on the property ladder

07:34 - Buy an investment property before buying a home to live in

10:59 - Buy under market value

14:25 - Instant equity uplift

24:01 - Buy the worst house on the best street

26:12 - Grab all the government grants you can

29:00 - Never buy strata title

32:43 - Avoid lender’s mortgage insurance at all costs

35:51 - The only way to make money in property is to renovate

39:22 - You can time the market

Resources mentioned in this episode:


Lender’s Mortgage Insurance Calculator https://helia.com.au/the-hub/calculators-estimators/lmi-fee-estimator

Resources:


FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse


Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers


Visit our website https://www.homebuyeracademy.com.au/


Join our Facebook Group to get access to free monthly live Q&A sessions


https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia


Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG


If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au


Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au


Work with Veronica: https://www.veronicamorgan.com.au


Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/


Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!


Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast


Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825


Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Are you sure those common property beliefs you've heard are actually sound advice? In this episode, we dig into some widely accepted opinions about property that simply don’t hold up when you look at them more closely. From the idea that "you should buy as soon as you can afford anything" to "buying under market value" or "starting with an investment property," we discuss why these might not be as foolproof as they seem.
We explore how rushing to get on the property ladder by purchasing any available property can backfire. It’s not just about getting your foot in the door—what you buy can have long-term implications on your finances and future choices. We also dive into the real costs associated with choosing the wrong property or falling into the trap of thinking a "bargain" always means value.
Beyond the initial myths, we challenge the belief that buying an investment property before your first home guarantees success. While this may work for some, it’s not the blanket solution that many claim it to be. We also touch on the misleading allure of buying "under market value" and why properties without competition could be signaling red flags you need to watch out for.
If you’ve ever been tempted by quick-fix solutions like “instant equity uplift” or the idea that the only way to make money is through renovation, this episode offers the insights you need to avoid costly mistakes. We wrap it up with tips on how to apply critical thinking to common property advice, ensuring you're making informed decisions that suit your unique circumstances.
Episode Highlights:
00:00 - Introduction
02:04 - Meighan’s special house of the week
04:42 - Buy as soon as you can afford anything just to get on the property ladder
07:34 - Buy an investment property before buying a home to live in
10:59 - Buy under market value
14:25 - Instant equity uplift
24:01 - Buy the worst house on the best street
26:12 - Grab all the government grants you can
29:00 - Never buy strata title
32:43 - Avoid lender’s mortgage insurance at all costs
35:51 - The only way to make money in property is to renovate
39:22 - You can time the market
Resources mentioned in this episode:
<ul>
<li dir="ltr" aria-level="1">
Lender’s Mortgage Insurance Calculator <a href="https://helia.com.au/the-hub/calculators-estimators/lmi-fee-estimator">https://helia.com.au/the-hub/calculators-estimators/lmi-fee-estimator</a>
</li>
</ul>
Resources:
<ul>
<li dir="ltr" aria-level="1">
FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a>
</li>
<li dir="ltr" aria-level="1">
Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a>
</li>
<li dir="ltr" aria-level="1">
Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Join our Facebook Group to get access to free monthly live Q&amp;A sessions
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a>
</li>
<li dir="ltr" aria-level="1">
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a>
</li>
<li dir="ltr" aria-level="1">
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a>
</li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li dir="ltr" aria-level="1">
Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a>
</li>
<li dir="ltr" aria-level="1">
Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825"></a>Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a>
</li>
</ul>

Common Property Beliefs That Don’t Hold Up in Reality

When you buy a property, no amount of online research replaces actually getting out there and inspecting it in person. In this episode, we share our top five property inspection tips, including one powerful insight that could transform your home-buying journey.

We start with time management—because when you’re rushing between multiple open houses on a Saturday, it’s easy to miss important details. We show you how to stay organised with checklists, so you get the most out of each visit.

Next, we dive into the importance of exploring the neighbourhood. From checking out local shops and parks to observing the playground atmosphere, understanding the area’s vibe is key. And of course, we cover what to look for in the property’s structure, helping you spot potential red flags early and save yourself from unnecessary costs.

Finally, we leave you with a crucial tip that could make or break your chances of closing the deal so don’t miss out on this game-changing advice!

Episode Highlights:

00:00 - Introduction

02:07 - Meighan’s special house of the week

07:23 - Tip #1: Plan your time carefully

09:53 - Tip #2: Do an area recce

13:06 - Tip #3: Be systematic

19:50 - Tip #4: Watch for common faults

25:47 - Top Tip # 5

Resources:


FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse


Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers


Visit our website https://www.homebuyeracademy.com.au/


Join our Facebook Group to get access to free monthly live Q&A sessions


https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia


Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG


If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au


Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au


Work with Veronica: https://www.veronicamorgan.com.au


Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/


Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!


Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast


Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825


Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

When you buy a property, no amount of online research replaces actually getting out there and inspecting it in person. In this episode, we share our top five property inspection tips, including one powerful insight that could transform your home-buying journey.
We start with time management—because when you’re rushing between multiple open houses on a Saturday, it’s easy to miss important details. We show you how to stay organised with checklists, so you get the most out of each visit.
Next, we dive into the importance of exploring the neighbourhood. From checking out local shops and parks to observing the playground atmosphere, understanding the area’s vibe is key. And of course, we cover what to look for in the property’s structure, helping you spot potential red flags early and save yourself from unnecessary costs.
Finally, we leave you with a crucial tip that could make or break your chances of closing the deal so don’t miss out on this game-changing advice!
Episode Highlights:
00:00 - Introduction
02:07 - Meighan’s special house of the week
07:23 - Tip #1: Plan your time carefully
09:53 - Tip #2: Do an area recce
13:06 - Tip #3: Be systematic
19:50 - Tip #4: Watch for common faults
25:47 - Top Tip # 5
Resources:
<ul>
<li dir="ltr" aria-level="1">
FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a>
</li>
<li dir="ltr" aria-level="1">
Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a>
</li>
<li dir="ltr" aria-level="1">
Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Join our Facebook Group to get access to free monthly live Q&amp;A sessions
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a>
</li>
<li dir="ltr" aria-level="1">
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a>
</li>
<li dir="ltr" aria-level="1">
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a>
</li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li dir="ltr" aria-level="1">
Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a>
</li>
<li dir="ltr" aria-level="1">
Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825"></a>Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a>
</li>
</ul>

Our Top 5 Property Inspection Tips—and One You Can’t Afford to Miss

Wondering if you can buy a home without a full 20% deposit? You’re not alone. As property prices climb, saving that much can feel impossible, but there are other ways to get your foot in the door sooner. In this episode, we explore the range of options available to first-home buyers who are looking for alternatives to the traditional deposit size.

Cara Haynes, a seasoned mortgage broker, joins us to shed light on strategies that could work for different situations. From family guarantees to lenders mortgage insurance (LMI), and even some government schemes—there’s more out there than you might think. These aren’t one-size-fits-all solutions, but they might be worth considering depending on your circumstances.

We break down the potential benefits and trade-offs of these paths without making it complicated. Cara shares real-world examples and tips, giving you insights that could help you make sense of your options with more confidence. You’ll also hear about some banks offering perks like waived LMI for certain professions—a game changer for those eligible.

This episode is packed with eye-opening details, designed to help you explore what could work for you. It’s not about quick fixes, but about understanding the landscape and weighing up what’s right for your home-buying journey.

Episode Highlights:

00:00 - Introduction

02:33 - Who is Cara Haynes?

05:56 - Why banks typically require a 20% deposit from home buyers

10:32 - Key factors financiers consider when assessing a client's borrowing potential

12:42 - How can high earners prove their loan eligibility without sufficient savings?

13:48 - What alternatives exist for high-income buyers with insufficient savings?

17:37 - Bank of mum and dad

20:37 - Shared equity schemes

29:51 - Lender’s mortgage insurance

35:45 - Is pre-approval necessary?

37:31 - What do first home buyers need to know about pre-approval when buying at auction?

42:17 - Key takeaways from the conversation

44:45 - What Cara wishes she knew as a first home buyer

About Our Guest:

Cara Haynes is a seasoned mortgage broker at Loan Market, based in Northgate, Queensland. With over a decade of experience, Cara transitioned into mortgage broking from a background in legal administration and marketing, bringing a unique perspective to her role. Known for her clear communication and dedication to helping clients navigate the property market, she frequently receives high praise from clients for her professionalism and attentiveness. Her approach focuses on offering customized support, making her a popular choice for first-time home buyers and investors alike.

Connect with Cara Haynes:


Facebook https://www.facebook.com/CaraHaynesAtLoanMarket/


LinkedIn https://www.linkedin.com/in/cara-haynes-b59b1737/


Instagram https://www.instagram.com/carahaynes_loanmarket/


Website https://www.loanmarket.com.au/

Resources:


FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse


Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers


Visit our website https://www.homebuyeracademy.com.au/


Join our Facebook Group to get access to free monthly live Q&A sessions


https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia


Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG


If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au


Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au


Work with Veronica: https://www.veronicamorgan.com.au


Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/


Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!


Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast


Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825


Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Wondering if you can buy a home without a full 20% deposit? You’re not alone. As property prices climb, saving that much can feel impossible, but there are other ways to get your foot in the door sooner. In this episode, we explore the range of options available to first-home buyers who are looking for alternatives to the traditional deposit size.
Cara Haynes, a seasoned mortgage broker, joins us to shed light on strategies that could work for different situations. From family guarantees to lenders mortgage insurance (LMI), and even some government schemes—there’s more out there than you might think. These aren’t one-size-fits-all solutions, but they might be worth considering depending on your circumstances.
We break down the potential benefits and trade-offs of these paths without making it complicated. Cara shares real-world examples and tips, giving you insights that could help you make sense of your options with more confidence. You’ll also hear about some banks offering perks like waived LMI for certain professions—a game changer for those eligible.
This episode is packed with eye-opening details, designed to help you explore what could work for you. It’s not about quick fixes, but about understanding the landscape and weighing up what’s right for your home-buying journey.
Episode Highlights:
00:00 - Introduction
02:33 - Who is Cara Haynes?
05:56 - Why banks typically require a 20% deposit from home buyers
10:32 - Key factors financiers consider when assessing a client's borrowing potential
12:42 - How can high earners prove their loan eligibility without sufficient savings?
13:48 - What alternatives exist for high-income buyers with insufficient savings?
17:37 - Bank of mum and dad
20:37 - Shared equity schemes
29:51 - Lender’s mortgage insurance
35:45 - Is pre-approval necessary?
37:31 - What do first home buyers need to know about pre-approval when buying at auction?
42:17 - Key takeaways from the conversation
44:45 - What Cara wishes she knew as a first home buyer
About Our Guest:
Cara Haynes is a seasoned mortgage broker at Loan Market, based in Northgate, Queensland. With over a decade of experience, Cara transitioned into mortgage broking from a background in legal administration and marketing, bringing a unique perspective to her role. Known for her clear communication and dedication to helping clients navigate the property market, she frequently receives high praise from clients for her professionalism and attentiveness. Her approach focuses on offering customized support, making her a popular choice for first-time home buyers and investors alike.
Connect with Cara Haynes:
<ul>
<li dir="ltr" aria-level="1">
Facebook <a href="https://www.facebook.com/CaraHaynesAtLoanMarket/">https://www.facebook.com/CaraHaynesAtLoanMarket/</a>
</li>
<li dir="ltr" aria-level="1">
LinkedIn <a href="https://www.linkedin.com/in/cara-haynes-b59b1737/">https://www.linkedin.com/in/cara-haynes-b59b1737/</a>
</li>
<li dir="ltr" aria-level="1">
Instagram <a href="https://www.instagram.com/carahaynes_loanmarket/">https://www.instagram.com/carahaynes_loanmarket/</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.instagram.com/carahaynes_loanmarket/"></a>Website <a href="https://www.loanmarket.com.au/">https://www.loanmarket.com.au/</a>
</li>
</ul>
Resources:
<ul>
<li dir="ltr" aria-level="1">
FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a>
</li>
<li dir="ltr" aria-level="1">
Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a>
</li>
<li dir="ltr" aria-level="1">
Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Join our Facebook Group to get access to free monthly live Q&amp;A sessions
</li>
<li dir="ltr" aria-level="1">
<a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a>
</li>
<li dir="ltr" aria-level="1">
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a>
</li>
<li dir="ltr" aria-level="1">
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a>
</li>
<li dir="ltr" aria-level="1">
Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a>
</li>
<li dir="ltr" aria-level="1">
Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a>
</li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li dir="ltr" aria-level="1">
Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a>
</li>
<li dir="ltr" aria-level="1">
Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a>
</li>
<li dir="ltr" aria-level="1">
<a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825"></a>Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a>
</li>
</ul>

Uncover the Options for Buying a Home Without a Full 20% Deposit

Over the years, we’ve helped tons of first home buyers get on the property ladder, avoid costly mistakes, and become proud homeowners. And we can hardly believe we’ve already hit 200 episodes! 

Today, we’re pulling together the very best tips, lessons, and advice from our most popular episodes—all in one place. If you’ve just joined us or have been with us for a while, this is a fantastic shortcut to the most important things you need to know.

This episode is packed with practical advice, real stories, and those “aha” moments that can really make a difference. So, grab a cup, sit back, and let’s celebrate 200 episodes together — because there’s no better time to learn how to get it right when buying your first home.

Episode Highlights:

00:00 - Introduction

03:21 - Meighan’s special house of the week

06:29 - A short breakdown of the last 200 episodes

16:36 - Episode 1: What is Your First Home Buyer Guide?

17:06 - Our annual how to prepare to buy each year

18:18 - Episode 9: What is the Importance of a Borrowing Strategy?

19:26 - Episode 41: 6 Things We Wish We Knew Before Buying Our First Property

21:18 - Episode 59: A Quick Step-by-Step Guide to Purchasing Property

22:51 - Episode 40: How Can You Identify A, B, and C Grade Properties?

25:14 - Episode 105: Your First Home Buyer Quick Start Guide

26:01 - Episode 121: Top 5 Tips for Dealing with Real Estate Agents

28:49 - Episode 27: How to Work Out the Right Price to Pay

Resources mentioned in this episode
Your First Home Buyer Guide Podcast Episode 1: What is Your First Home Buyer Guide? https://homebuyeracademy.com.au/podcasts/001
Your First Home Buyer Guide Podcast Episode 9: What is the Importance of a Borrowing Strategy? https://homebuyeracademy.com.au/podcasts/009
Your First Home Buyer Guide Podcast Episode 41: 6 Things We Wish We Knew Before Buying Our First Property https://homebuyeracademy.com.au/podcasts/041
Your First Home Buyer Guide Podcast Episode 59: A Quick Step-by-Step Guide to Purchasing Property https://homebuyeracademy.com.au/podcasts/059
Your First Home Buyer Guide Podcast Episode 40: How Can You Identify A, B, and C Grade Properties? https://homebuyeracademy.com.au/podcasts/040
Your First Home Buyer Guide Podcast Episode 105: Your First Home Buyer Quick Start Guide https://homebuyeracademy.com.au/podcasts/105
Your First Home Buyer Guide Podcast Episode 121: Top 5 Tips for Dealing with Real Estate Agents https://homebuyeracademy.com.au/podcasts/121
Your First Home Buyer Guide Podcast Episode 27: How to Work Out the Right Price to Pay https://homebuyeracademy.com.au/podcasts/027

Resources:
FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse
Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers
Visit our website https://www.homebuyeracademy.com.au/
Join our Facebook Group to get access to free monthly live Q&A sessions
https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au
Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au
Work with Veronica: https://www.veronicamorgan.com.au
Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/
Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast
Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825
Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Over the years, we’ve helped tons of first home buyers get on the property ladder, avoid costly mistakes, and become proud homeowners. And we can hardly believe we’ve already hit 200 episodes! 
Today, we’re pulling together the very best tips, lessons, and advice from our most popular episodes—all in one place. If you’ve just joined us or have been with us for a while, this is a fantastic shortcut to the most important things you need to know.
This episode is packed with practical advice, real stories, and those “aha” moments that can really make a difference. So, grab a cup, sit back, and let’s celebrate 200 episodes together — because there’s no better time to learn how to get it right when buying your first home.
Episode Highlights:
00:00 - Introduction
03:21 - Meighan’s special house of the week
06:29 - A short breakdown of the last 200 episodes
16:36 - Episode 1: What is Your First Home Buyer Guide?
17:06 - Our annual how to prepare to buy each year
18:18 - Episode 9: What is the Importance of a Borrowing Strategy?
19:26 - Episode 41: 6 Things We Wish We Knew Before Buying Our First Property
21:18 - Episode 59: A Quick Step-by-Step Guide to Purchasing Property
22:51 - Episode 40: How Can You Identify A, B, and C Grade Properties?
25:14 - Episode 105: Your First Home Buyer Quick Start Guide
26:01 - Episode 121: Top 5 Tips for Dealing with Real Estate Agents
28:49 - Episode 27: How to Work Out the Right Price to Pay
Resources mentioned in this episode
<ul>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 1: What is Your First Home Buyer Guide? <a href="https://homebuyeracademy.com.au/podcasts/001">https://homebuyeracademy.com.au/podcasts/001</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 9: What is the Importance of a Borrowing Strategy? <a href="https://homebuyeracademy.com.au/podcasts/009">https://homebuyeracademy.com.au/podcasts/009</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 41: 6 Things We Wish We Knew Before Buying Our First Property <a href="https://homebuyeracademy.com.au/podcasts/041">https://homebuyeracademy.com.au/podcasts/041</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 59: A Quick Step-by-Step Guide to Purchasing Property <a href="https://homebuyeracademy.com.au/podcasts/059">https://homebuyeracademy.com.au/podcasts/059</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 40: How Can You Identify A, B, and C Grade Properties? <a href="https://homebuyeracademy.com.au/podcasts/040">https://homebuyeracademy.com.au/podcasts/040</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 105: Your First Home Buyer Quick Start Guide <a href="https://homebuyeracademy.com.au/podcasts/105">https://homebuyeracademy.com.au/podcasts/105</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 121: Top 5 Tips for Dealing with Real Estate Agents <a href="https://homebuyeracademy.com.au/podcasts/121">https://homebuyeracademy.com.au/podcasts/121</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode 27: How to Work Out the Right Price to Pay <a href="https://homebuyeracademy.com.au/podcasts/027">https://homebuyeracademy.com.au/podcasts/027</a></li>
</ul>
Resources:
<ul>
<li aria-level="1">FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a></li>
<li aria-level="1">Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a></li>
<li aria-level="1">Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a></li>
<li aria-level="1">Join our Facebook Group to get access to free monthly live Q&amp;A sessions</li>
<li aria-level="1"><a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a></li>
<li aria-level="1">Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a></li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a></li>
<li aria-level="1">Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a></li>
<li aria-level="1">Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a></li>
<li aria-level="1">Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a></li>
<li aria-level="1">Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a></li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li aria-level="1">Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a></li>
<li aria-level="1">Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a></li>
<li aria-level="1">Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a></li>
</ul>

The Best Advice for First Home Buyers, All in One Place!

Ever wondered how you can get your hands on those hidden property listings? Today, we're diving into some of the juiciest property questions from our Facebook group, and we’re starting with a big one—how to access those off-market properties that everyone’s talking about.

We’ll also cover how to know when you’re really ready to buy your first home. It’s a huge decision, but there are signs to look out for that can help you feel more confident.

Then there’s the debate: houses versus townhouses—what should you be buying? And what about if you’ve bought a house with a sibling and things aren’t quite working out? We’ll walk you through how to handle that split without too much drama.

These are the kinds of questions we get all the time, so if you’ve been asking yourself the same thing, stick around! We’ve got some practical answers that might just help you out.

Episode Highlights:

00:00 - Introduction

02:20 - Factors to help you decide when you’re ready to buy your first home

07:05 - In terms of future capital growth, which would perform better — house or townhouse?

15:35 - Are there any advantages in buying marketed vs. off-market properties?

23:08 - How to remove your name from a mortgage with a sibling and get into your own property

Resources mentioned in this episode:
Home Buyer Academy's Kick Start Package: https://homebuyeracademy.com.au/tutorial
Your First Home Buyer Guide Podcast Episode #68: 10 Signs You're Ready to Buy Your First Home https://homebuyeracademy.com.au/podcasts/068
Your First Home Buyer Guide Podcast Episode #84: Units vs Townhouses: What's Best for First Home Buyers? https://homebuyeracademy.com.au/podcasts/084

Resources:
FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse
Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers
Visit our website https://www.homebuyeracademy.com.au/
Join our Facebook Group to get access to free monthly live Q&A sessions
https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au
Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au
Work with Veronica: https://www.veronicamorgan.com.au
Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/
Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast
Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825
Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Ever wondered how you can get your hands on those hidden property listings? Today, we're diving into some of the juiciest property questions from our Facebook group, and we’re starting with a big one—how to access those off-market properties that everyone’s talking about.
We’ll also cover how to know when you’re really ready to buy your first home. It’s a huge decision, but there are signs to look out for that can help you feel more confident.
Then there’s the debate: houses versus townhouses—what should you be buying? And what about if you’ve bought a house with a sibling and things aren’t quite working out? We’ll walk you through how to handle that split without too much drama.
These are the kinds of questions we get all the time, so if you’ve been asking yourself the same thing, stick around! We’ve got some practical answers that might just help you out.
Episode Highlights:
00:00 - Introduction
02:20 - Factors to help you decide when you’re ready to buy your first home
07:05 - In terms of future capital growth, which would perform better — house or townhouse?
15:35 - Are there any advantages in buying marketed vs. off-market properties?
23:08 - How to remove your name from a mortgage with a sibling and get into your own property
Resources mentioned in this episode:
<ul>
<li aria-level="1">Home Buyer Academy's Kick Start Package: <a href="https://homebuyeracademy.com.au/tutorial">https://homebuyeracademy.com.au/tutorial</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode #68: 10 Signs You're Ready to Buy Your First Home <a href="https://homebuyeracademy.com.au/podcasts/068">https://homebuyeracademy.com.au/podcasts/068</a></li>
<li aria-level="1">Your First Home Buyer Guide Podcast Episode #84: Units vs Townhouses: What's Best for First Home Buyers? <a href="https://homebuyeracademy.com.au/podcasts/084">https://homebuyeracademy.com.au/podcasts/084</a></li>
</ul>
Resources:
<ul>
<li aria-level="1">FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a></li>
<li aria-level="1">Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a></li>
<li aria-level="1">Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a></li>
<li aria-level="1">Join our Facebook Group to get access to free monthly live Q&amp;A sessions</li>
<li aria-level="1"><a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a></li>
<li aria-level="1">Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a></li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a></li>
<li aria-level="1">Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a></li>
<li aria-level="1">Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a></li>
<li aria-level="1">Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a></li>
<li aria-level="1">Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a></li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li aria-level="1">Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a></li>
<li aria-level="1">Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a></li>
<li aria-level="1">Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a></li>
</ul>

How to Access Hidden Property Listings And More Property Questions from Our Facebook Group

Ever feel like you’re stuck in no man’s land after making an offer? That weird silence from the agent that probably leaves you wondering—what’s next?

In this episode, we tackle exactly what happens between submitting your offer and hearing back. It’s one of the most frustrating parts of the home-buying process, and if you’ve ever found yourself asking, “Do we counter again or is this a one-and-done situation?”—you’re not alone.

We break down how skipping key steps—like reviewing the contract or researching pricing—can throw you off track and leave you scrambling while also talking about the emotional rollercoaster of negotiations and why it’s critical to know if you’re bidding against others or in a straight negotiation because believe us, knowing the difference can save you a lot of stress (and money). And then, we share the go-to magic question that every buyer needs to ask an agent to avoid misunderstandings.

So, if you want to avoid rookie mistakes, keep your cool during negotiations, and handle the offer process like a seasoned pro, this episode’s got you covered. (Stay with us till the end to hear the most important question you should ask that could make or break your deal.)

Episode Highlights:

00:00 - Introduction

02:27 - “We’ve offered and are waiting to hear back…what do we do?”

03:28 - The football analogy

05:46 - A quick run through of the 10 steps in the first home buyer guide

07:00 - What are the key steps in the offer process?

13:49 - How to handle multiple offers and negotiations

15:16 - How the process of making offers on property can vary widely between agents

20:00 - Effective negotiation strategies

23:09 - Emphasis on emotional control and why it’s so important in the offer process

27:45 - A good question to ask when you find out there are other offers on the property

Resources mentioned in this episode:
FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse
Your First Home Buyer Guide Episode 197: How Do You Handle the Stress When Buying a Home on Your Own? https://homebuyeracademy.com.au/podcasts/197

Resources:
Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers
Visit our website https://www.homebuyeracademy.com.au/
Join our Facebook Group to get access to free monthly live Q&A sessions
https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia
Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG
If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au
Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au
Work with Veronica: https://www.veronicamorgan.com.au
Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/
Work with Meighan: https://www.linkedin.com/in/meighanwells/

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast
Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825
Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

Ever feel like you’re stuck in no man’s land after making an offer? That weird silence from the agent that probably leaves you wondering—what’s next?
In this episode, we tackle exactly what happens between submitting your offer and hearing back. It’s one of the most frustrating parts of the home-buying process, and if you’ve ever found yourself asking, “Do we counter again or is this a one-and-done situation?”—you’re not alone.
We break down how skipping key steps—like reviewing the contract or researching pricing—can throw you off track and leave you scrambling while also talking about the emotional rollercoaster of negotiations and why it’s critical to know if you’re bidding against others or in a straight negotiation because believe us, knowing the difference can save you a lot of stress (and money). And then, we share the go-to magic question that every buyer needs to ask an agent to avoid misunderstandings.
So, if you want to avoid rookie mistakes, keep your cool during negotiations, and handle the offer process like a seasoned pro, this episode’s got you covered. (Stay with us till the end to hear the most important question you should ask that could make or break your deal.)
Episode Highlights:
00:00 - Introduction
02:27 - “We’ve offered and are waiting to hear back…what do we do?”
03:28 - The football analogy
05:46 - A quick run through of the 10 steps in the first home buyer guide
07:00 - What are the key steps in the offer process?
13:49 - How to handle multiple offers and negotiations
15:16 - How the process of making offers on property can vary widely between agents
20:00 - Effective negotiation strategies
23:09 - Emphasis on emotional control and why it’s so important in the offer process
27:45 - A good question to ask when you find out there are other offers on the property
Resources mentioned in this episode:
<ul>
<li aria-level="1">FREE MINI COURSE: How to price property like a professional <a href="https://www.homebuyeracademy.com.au/freecourse">https://www.homebuyeracademy.com.au/freecourse</a></li>
<li aria-level="1">Your First Home Buyer Guide Episode 197: How Do You Handle the Stress When Buying a Home on Your Own? <a href="https://homebuyeracademy.com.au/podcasts/197">https://homebuyeracademy.com.au/podcasts/197</a></li>
</ul>
Resources:
<ul>
<li aria-level="1">Meet our recommended mortgage brokers at Home Buyer Academy <a href="https://homebuyeracademy.com.au/brokers">https://homebuyeracademy.com.au/brokers</a></li>
<li aria-level="1">Visit our website <a href="https://www.homebuyeracademy.com.au/">https://www.homebuyeracademy.com.au/</a></li>
<li aria-level="1">Join our Facebook Group to get access to free monthly live Q&amp;A sessions</li>
<li aria-level="1"><a href="https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia">https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia</a></li>
<li aria-level="1">Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers <a href="https://homebuyeracademy.com.au/YFHBG">https://homebuyeracademy.com.au/YFHBG</a></li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast <a href="mailto:support@homebuyeracademy.com.au">support@homebuyeracademy.com.au</a></li>
<li aria-level="1">Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au">https://www.gooddeeds.com.au</a></li>
<li aria-level="1">Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a></li>
<li aria-level="1">Looking for a Brisbane Buyers Agent? <a href="https://www.propertypursuit.com.au/">https://www.propertypursuit.com.au/</a></li>
<li aria-level="1">Work with Meighan: <a href="https://www.linkedin.com/in/meighanwells/">https://www.linkedin.com/in/meighanwells/</a></li>
</ul>
If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!
<ul>
<li aria-level="1">Subscribe on YouTube: <a href="https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast">https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast</a></li>
<li aria-level="1">Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825">https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825</a></li>
<li aria-level="1">Subscribe on Spotify: <a href="https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f">https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f</a></li>
</ul>

What Agents Don’t Tell You About the Offer Process

Your First Home Buyer Guide. Get there without missing a step.

Your First Home Buyer Guide. Get there without missing a step.

Your First Home Buyer Guide Podcast

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