The First Home Buyers Program

The First Home Buyers Programhttp://www.360mortgagesolutions.com.auI will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.]]>enEducationCopyright Maryanne Elliotthttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/40361616599b999b4e1c6c0ea44ea4e6.jpgThe First Home Buyers Programhttp://www.360mortgagesolutions.com.auSat, 18 Jul 2026 00:20:47 +0000Maryanne ElliottMaryanne Elliottmaryanne@360mortgagesolutions.com.auIf you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work and how you can save yourself thousands. Either way this podcast is for you. I will be sharing all...I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.]]>trueepisodicEpisode 126 - First Home Buyer Pre Approval: The Biggest Mistake Buyers Make Before House Huntinghttps://www.spreaker.com/episode/episode-126-first-home-buyer-pre-approval-the-biggest-mistake-buyers-make-before-house-hunting--73036188Description

Should you start scrolling through realestate.com.au before speaking to a mortgage broker?

In this episode of the First Home Buyer Program Podcast, Maryanne Elliott explains why getting a First Home Buyer Pre Approval should be your very first step before attending open homes or making an offer.Many first home buyers fall in love with a property before they know exactly what they can borrow.
Unfortunately, this often leads to disappointment when the numbers don't stack up.Maryanne breaks down how lenders assess your borrowing capacity, why two people earning the same income can have very different borrowing limits, and why there's a big difference between the maximum you can borrow and what you should borrow.

She also explains why a fully assessed First Home Buyer Pre Approval can give you greater confidence when you're ready to make an offer.Whether you're just starting your home ownership journey or already searching for your dream home, this episode will help you avoid one of the most common and costly mistakes first home buyers make.

In This Episode You'll Learn

Why a First Home Buyer Pre Approval should come before house hunting.
What banks really look at when assessing your borrowing capacity.
Why your borrowing power is about more than just your income.
The difference between the maximum you can borrow and what's comfortable to repay.
Why a fully assessed pre-approval provides greater confidence when buying your first home.

Resources Mentioned

Read our blog: First Home Buyer Pre Approval: Avoid This Common Mistake
Learn more about the First Home Buyer Program
Book a free strategy session with 360 Mortgage Solutions

Connect with 360 Mortgage SolutionsBuying your first home doesn't have to be overwhelming.

At 360 Mortgage Solutions, we help first home buyers understand the process, compare lenders and secure the right home loan with confidence.

Visit our website to access free resources, educational guides and information about the First Home Buyer Program.If you're ready to understand your borrowing power, we'd love to help.

Keywords - First Home Buyer Pre Approval, Home Loan Pre Approval, First Home Buyer Australia, Borrowing Capacity, Mortgage Broker, First Home Buyer Tips, Home Loan Process, Buying Your First Home, First Home Buyer Podcast, Fully Assessed Pre Approval.
]]>https://api.spreaker.com/episode/73036188Sat, 18 Jul 2026 00:20:33 +0000Maryanne ElliottDescription Should you start scrolling through realestate.com.au before speaking to a mortgage broker? In this episode of the First Home Buyer Program Podcast, Maryanne Elliott explains why getting a First Home Buyer Pre Approval should be your very...Description

Should you start scrolling through realestate.com.au before speaking to a mortgage broker?

In this episode of the First Home Buyer Program Podcast, Maryanne Elliott explains why getting a First Home Buyer Pre Approval should be your very first step before attending open homes or making an offer.Many first home buyers fall in love with a property before they know exactly what they can borrow.
Unfortunately, this often leads to disappointment when the numbers don't stack up.Maryanne breaks down how lenders assess your borrowing capacity, why two people earning the same income can have very different borrowing limits, and why there's a big difference between the maximum you can borrow and what you should borrow.

She also explains why a fully assessed First Home Buyer Pre Approval can give you greater confidence when you're ready to make an offer.Whether you're just starting your home ownership journey or already searching for your dream home, this episode will help you avoid one of the most common and costly mistakes first home buyers make.

In This Episode You'll Learn

Why a First Home Buyer Pre Approval should come before house hunting.
What banks really look at when assessing your borrowing capacity.
Why your borrowing power is about more than just your income.
The difference between the maximum you can borrow and what's comfortable to repay.
Why a fully assessed pre-approval provides greater confidence when buying your first home.

Resources Mentioned

Read our blog: First Home Buyer Pre Approval: Avoid This Common Mistake
Learn more about the First Home Buyer Program
Book a free strategy session with 360 Mortgage Solutions

Connect with 360 Mortgage SolutionsBuying your first home doesn't have to be overwhelming.

At 360 Mortgage Solutions, we help first home buyers understand the process, compare lenders and secure the right home loan with confidence.

Visit our website to access free resources, educational guides and information about the First Home Buyer Program.If you're ready to understand your borrowing power, we'd love to help.

Keywords - First Home Buyer Pre Approval, Home Loan Pre Approval, First Home Buyer Australia, Borrowing Capacity, Mortgage Broker, First Home Buyer Tips, Home Loan Process, Buying Your First Home, First Home Buyer Podcast, Fully Assessed Pre Approval.
]]>353falsefullEpisode 125 - Family Guarantee or Buying Together? How Family Support Could Help You Buy Your First Homehttps://www.spreaker.com/episode/episode-125-family-guarantee-or-buying-together-how-family-support-could-help-you-buy-your-first-home--72733878
Whether it's using a Family Guarantee, buying a property together with parents, or exploring other family support strategies, there are often more possibilities available than people realise. In this episode you'll learn:
🏡 What a Family Guarantee is and how it works
💰 How parents may be able to help without giving you cash
👨‍👩‍👧‍👦 When buying with family could make sense
⚖️ Why legal advice is essential before purchasing together
📈 How family support can increase your buying power
💡 Why speaking to a mortgage broker early can uncover options you didn't know existed No two families are the same, which means there's no one size fits all solution. The best place to start is with a conversation. If you're wondering whether family support could help you buy sooner, we'd love to help you explore your options.

📅 Book a strategy session:
https://link.teamos.ai/preview/HnVm7sq0QukREw7fQIB5
🌐 Learn more:
https://www.360mortgagesolutions.com.au

Disclaimer: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Please seek personalised financial and legal advice before making any financial decisions.
::: SEO Keywords

Family Guarantee home loan
Family Guarantee Australia
Bank of Mum and Dad
Buying a house with parents
Buying property with family
First Home Buyer Australia
Guarantor home loan
Mortgage Broker Queensland
Home loan help for first home buyers
Multi generational living
Property buying tips
First home buyer podcast

]]>https://api.spreaker.com/episode/72733878Fri, 03 Jul 2026 01:55:02 +0000Maryanne ElliottWhat if the biggest thing standing between you and your first home isn't your income... it's simply not knowing your options? In this episode, Maryanne shares two of the most common ways families are helping first home buyers enter the property market...
Whether it's using a Family Guarantee, buying a property together with parents, or exploring other family support strategies, there are often more possibilities available than people realise. In this episode you'll learn:
🏡 What a Family Guarantee is and how it works
💰 How parents may be able to help without giving you cash
👨‍👩‍👧‍👦 When buying with family could make sense
⚖️ Why legal advice is essential before purchasing together
📈 How family support can increase your buying power
💡 Why speaking to a mortgage broker early can uncover options you didn't know existed No two families are the same, which means there's no one size fits all solution. The best place to start is with a conversation. If you're wondering whether family support could help you buy sooner, we'd love to help you explore your options.

📅 Book a strategy session:
https://link.teamos.ai/preview/HnVm7sq0QukREw7fQIB5
🌐 Learn more:
https://www.360mortgagesolutions.com.au

Disclaimer: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Please seek personalised financial and legal advice before making any financial decisions.
::: SEO Keywords

Family Guarantee home loan
Family Guarantee Australia
Bank of Mum and Dad
Buying a house with parents
Buying property with family
First Home Buyer Australia
Guarantor home loan
Mortgage Broker Queensland
Home loan help for first home buyers
Multi generational living
Property buying tips
First home buyer podcast

]]>214falsefullEpisode 124 - Why a Fully Assessed Pre Approval Matters More Than Ever 26 June 26https://www.spreaker.com/episode/episode-124-why-a-fully-assessed-pre-approval-matters-more-than-ever-26-june-26--72695581
Are you planning to buy your first home this year?
Before you spend your weekends at open homes, there is one thing that could make your offer stand out from the competition.

In this episode, Maryanne Elliott from 360 Mortgage Solutions explains why having a fully assessed pre approval can give you a significant advantage, especially in today's competitive first home buyer market.
Many buyers are finding their dream home before their finance is fully approved, which can put them at a disadvantage when competing against other buyers.
A fully assessed pre approval can give sellers more confidence and help make your offer more attractive. In this episode you'll learn:
🏡 What a fully assessed pre approval actually is
🏡 Why it can make your offer stronger than other buyers
🏡 Why waiting until you've found a property could cost you time and opportunities
🏡 How working with a mortgage broker months before you're ready to buy can improve your chances of approval
🏡 Why brokers often have access to lending options you won't find by speaking to just one bank If you're thinking about buying your first home in the next 3 to 6 months, now is the perfect time to start preparing.

📅 Book a free 15 minute chat: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH
🎓 Learn more about The First Home Buyers Program: https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c
👍 If you found this video helpful, don't forget to Like, Subscribe and leave a comment with your biggest first home buying question.]]>https://api.spreaker.com/episode/72695581Thu, 25 Jun 2026 23:44:24 +0000Maryanne ElliottWhy a Fully Assessed Pre Approval Could Help You Secure Your Dream Home . Are you planning to buy your first home this year? Before you spend your weekends at open homes, there is one thing that could make your offer stand out from the competition....
Are you planning to buy your first home this year?
Before you spend your weekends at open homes, there is one thing that could make your offer stand out from the competition.

In this episode, Maryanne Elliott from 360 Mortgage Solutions explains why having a fully assessed pre approval can give you a significant advantage, especially in today's competitive first home buyer market.
Many buyers are finding their dream home before their finance is fully approved, which can put them at a disadvantage when competing against other buyers.
A fully assessed pre approval can give sellers more confidence and help make your offer more attractive. In this episode you'll learn:
🏡 What a fully assessed pre approval actually is
🏡 Why it can make your offer stronger than other buyers
🏡 Why waiting until you've found a property could cost you time and opportunities
🏡 How working with a mortgage broker months before you're ready to buy can improve your chances of approval
🏡 Why brokers often have access to lending options you won't find by speaking to just one bank If you're thinking about buying your first home in the next 3 to 6 months, now is the perfect time to start preparing.

📅 Book a free 15 minute chat: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH
🎓 Learn more about The First Home Buyers Program: https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c
👍 If you found this video helpful, don't forget to Like, Subscribe and leave a comment with your biggest first home buying question.]]>351falsefullEpisode 123 - What Does “Finance Approved” Really Mean? Pre Approval vs Conditional Approval vs Formal Approvalhttps://www.spreaker.com/episode/episode-123-what-does-finance-approved-really-mean-pre-approval-vs-conditional-approval-vs-formal-approval--72218418What Does “Finance Approved” Really Mean?

Pre Approval vs Conditional Approval vs Formal ApprovalBuying your first home can feel like learning a whole new language. One of the most confusing parts of the home buying journey is understanding exactly where you stand with your finance approval.Have you been told you're pre approved, conditionally approved, formally approved, or that your contract is now unconditional?

If you're not sure what the difference is, you're not alone.In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott breaks down the finance terminology used throughout the home buying process and explains what each stage means for your property purchase.

In This Episode You'll Learn:
✅ What a pre approval actually means
✅ The difference between pre approval and conditional approval
✅ When your finance becomes formally approved
✅ What it means to go unconditional on a property contract
✅ Why finance and building & pest clauses are so important
✅ When your deposit becomes at risk
✅ How to know whether you're ready to proceed with your purchase
✅ Why you should always double check with your mortgage broker before making assumptions

Understanding The Finance Approval ProcessMany first home buyers assume that once they receive loan documents, their finance is approved. While that's often a good sign, it's important to understand exactly where you are in the process.Maryanne explains how most Queensland property contracts are structured and why finance approval and building & pest conditions play such a critical role in protecting buyers during the purchase process.The episode also covers:

Pre approval vs conditional approval
Formal approval vs unconditional approval
Contract conditions and cooling off protections
What happens if finance is declined
When you can safely proceed with your purchase

Key TakeawayA pre approval or conditional approval means the lender is generally happy with your application but still needs certain conditions met before fully approving the loan.A formal approval (also called unconditional approval) means the lender has completed their assessment and you're usually ready to satisfy the finance clause in your contract and move forward with the purchase.First Home Buyer TipIf you're ever unsure whether your loan is formally approved, don't guess.Speak with your mortgage broker, banker, solicitor, or conveyancer before waiving any contract conditions. A quick conversation can help you avoid costly mistakes and give you confidence throughout the buying process.Resources For First Home BuyersLooking to buy your first home but not sure where to start?

The First Home Buyers Program is designed to help you understand the entire home buying journey, from saving your deposit through to settlement and beyond.Learn more here:
https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c

Connect With Maryanne Elliott360 Mortgage Solutions
Helping first home buyers navigate the property market with confidence.

📱 Follow for more first home buyer tips, mortgage advice, and property education.#FirstHomeBuyer #MortgageBrokerAustralia #HomeLoanApproval #PreApproval #ConditionalApproval #FormalApproval #UnconditionalFinance #QueenslandProperty #PropertyBuyingTips #FirstHomeBuyersProgram #MortgageAdvice #HomeBuyingJourney #FinanceApproved #360MortgageSolutions #MaryanneElliott]]>https://api.spreaker.com/episode/72218418Fri, 29 May 2026 02:43:29 +0000Maryanne ElliottWhat Does “Finance Approved” Really Mean? Pre Approval vs Conditional Approval vs Formal ApprovalBuying your first home can feel like learning a whole new language. One of the most confusing parts of the home buying journey is understanding exactly...What Does “Finance Approved” Really Mean?

Pre Approval vs Conditional Approval vs Formal ApprovalBuying your first home can feel like learning a whole new language. One of the most confusing parts of the home buying journey is understanding exactly where you stand with your finance approval.Have you been told you're pre approved, conditionally approved, formally approved, or that your contract is now unconditional?

If you're not sure what the difference is, you're not alone.In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott breaks down the finance terminology used throughout the home buying process and explains what each stage means for your property purchase.

In This Episode You'll Learn:
✅ What a pre approval actually means
✅ The difference between pre approval and conditional approval
✅ When your finance becomes formally approved
✅ What it means to go unconditional on a property contract
✅ Why finance and building & pest clauses are so important
✅ When your deposit becomes at risk
✅ How to know whether you're ready to proceed with your purchase
✅ Why you should always double check with your mortgage broker before making assumptions

Understanding The Finance Approval ProcessMany first home buyers assume that once they receive loan documents, their finance is approved. While that's often a good sign, it's important to understand exactly where you are in the process.Maryanne explains how most Queensland property contracts are structured and why finance approval and building & pest conditions play such a critical role in protecting buyers during the purchase process.The episode also covers:

Pre approval vs conditional approval
Formal approval vs unconditional approval
Contract conditions and cooling off protections
What happens if finance is declined
When you can safely proceed with your purchase

How to build savings and structure your bank accounts effectively

Why lenders look at your “capacity to repay”

The importance of checking your credit file and credit score early

Common credit mistakes that can delay your home loan approval

Why speaking with a mortgage broker early can save you thousands

How first home buyer grants and schemes may help you avoid lenders mortgage insurance (LMI)

Why preparation is the key to reducing stress when buying your first home

Key Takeaways for First Home BuyersBuying your first home doesn’t have to feel impossible. By focusing on your savings habits, monitoring your credit file, and getting guidance from an experienced mortgage broker, you can set yourself up for success long before you’re ready to apply for a home loan.The earlier you start preparing, the easier the process becomes.Resources Mentioned

Equifax Free Credit Report
First Home Buyer Grants and Schemes
Mortgage Broker Guidance for First Home Buyers

About Maryanne ElliottMaryanne Elliott is the Director of 360 Mortgage Solutions and has spent years helping first home buyers navigate the home loan process with confidence. After working for one of Australia’s major banks for over 13 years, Maryanne became passionate about educating Australians on property, finance, and financial literacy.Connect with 360 Mortgage SolutionsIf you’re thinking about buying your first home and want guidance on where to start, connect with the team at 360 Mortgage Solutions.🎧 Don’t forget to subscribe to The First Home Buyer Program Podcast for more simple, practical advice to help you get into the property market sooner.]]>https://api.spreaker.com/episode/72109539Fri, 22 May 2026 06:20:44 +0000Maryanne ElliottFeeling overwhelmed about buying your first home? You’re not alone. With rising property prices, changing lending rules, and so much conflicting advice online, it’s easy to feel stuck before you even begin.In this episode of The First Home Buyer...

How to build savings and structure your bank accounts effectively

Why lenders look at your “capacity to repay”

The importance of checking your credit file and credit score early

Common credit mistakes that can delay your home loan approval

Why speaking with a mortgage broker early can save you thousands

How first home buyer grants and schemes may help you avoid lenders mortgage insurance (LMI)

Why preparation is the key to reducing stress when buying your first home

Equifax Free Credit Report
First Home Buyer Grants and Schemes
Mortgage Broker Guidance for First Home Buyers

About Maryanne ElliottMaryanne Elliott is the Director of 360 Mortgage Solutions and has spent years helping first home buyers navigate the home loan process with confidence. After working for one of Australia’s major banks for over 13 years, Maryanne became passionate about educating Australians on property, finance, and financial literacy.Connect with 360 Mortgage SolutionsIf you’re thinking about buying your first home and want guidance on where to start, connect with the team at 360 Mortgage Solutions.🎧 Don’t forget to subscribe to The First Home Buyer Program Podcast for more simple, practical advice to help you get into the property market sooner.]]>342falsefullEpisode 121 : Is the Market Scary Right Now? Here’s What First Home Buyers Need to Knowhttps://www.spreaker.com/episode/episode-121-is-the-market-scary-right-now-here-s-what-first-home-buyers-need-to-know--71330293

“Have I missed my opportunity?”

“What if I buy at the wrong time?”

“Should I wait until things settle?”

If you’ve had any of these thoughts, this episode is for you. 🔄 The Mindset Shift You Need to Make One of the biggest takeaways from this episode is learning to shift from:

A short-term view of the market
to
A long-term property strategy

Because focusing on what’s happening right now can often hold you back from making progress. ⏳ Why You Can’t Time the Market We break down why trying to “pick the perfect time” rarely works and can actually cost you more in the long run. The reality is:

The market is always changing
No one can predict it perfectly
Waiting can sometimes move you further away from your goal

🏡 Property is a Long-Term Game Your first home isn’t just about today, it’s about:

Your future financial position
Building equity over time
Creating stability

We share real perspective on how buyers who felt nervous at the time are now grateful they took action. ⚖️ The Risks of Waiting Waiting might feel like the safer option, but it can come with hidden downsides:

Rising property prices
Reduced borrowing power
Staying stuck in the rental cycle
Delaying your long-term goals

💡 What Actually Matters More Than the Market Instead of focusing on headlines, we bring it back to what really matters:

Your financial position
Your borrowing capacity
Your goals and timeframe

Because when these are clear, the market becomes a lot less overwhelming. 🧠 Confidence Comes From Clarity When you understand your numbers and your options, everything changes. You move from:

Feeling unsure and reactive
to
Feeling confident and in control

Key Takeaway Don’t let short-term fear stop you from making long-term progress. The market will always have ups and downs, but your focus should be on your own journey and what’s right for you. 🎯 Your Next Step If you’re not sure where you stand right now, that’s completely normal. The best place to start is simply having a conversation. Once you understand your position, your options, and your next steps… everything becomes a lot clearer. Connect With Me

📲 Follow along for more first home buyer tips
💻 Check out the First Home Buyers Program - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c
📅 Book a quick chat to understand your options and get started - https://link.teamos.ai/widget/bookings/maryanne-elliott-phone-meeting]]>https://api.spreaker.com/episode/71330293Fri, 17 Apr 2026 00:10:02 +0000Maryanne ElliottEpisode Summary If you’re a first home buyer right now and feeling unsure about the market… you’re not alone. With rising interest rates, high property prices, and constant media noise, it’s easy to feel like you’ve either missed your chance or you’re...

“Have I missed my opportunity?”

“What if I buy at the wrong time?”

“Should I wait until things settle?”

If you’ve had any of these thoughts, this episode is for you. 🔄 The Mindset Shift You Need to Make One of the biggest takeaways from this episode is learning to shift from:

A short-term view of the market
to
A long-term property strategy

The market is always changing
No one can predict it perfectly
Waiting can sometimes move you further away from your goal

🏡 Property is a Long-Term Game Your first home isn’t just about today, it’s about:

Your future financial position
Building equity over time
Creating stability

Rising property prices
Reduced borrowing power
Staying stuck in the rental cycle
Delaying your long-term goals

💡 What Actually Matters More Than the Market Instead of focusing on headlines, we bring it back to what really matters:

Your financial position
Your borrowing capacity
Your goals and timeframe

Because when these are clear, the market becomes a lot less overwhelming. 🧠 Confidence Comes From Clarity When you understand your numbers and your options, everything changes. You move from:

Feeling unsure and reactive
to
Feeling confident and in control

Key Takeaway Don’t let short-term fear stop you from making long-term progress. The market will always have ups and downs, but your focus should be on your own journey and what’s right for you. 🎯 Your Next Step If you’re not sure where you stand right now, that’s completely normal. The best place to start is simply having a conversation. Once you understand your position, your options, and your next steps… everything becomes a lot clearer. Connect With Me

📲 Follow along for more first home buyer tips
💻 Check out the First Home Buyers Program - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c
📅 Book a quick chat to understand your options and get started - https://link.teamos.ai/widget/bookings/maryanne-elliott-phone-meeting]]>351falsefullEpisode 120 : The “I’ll Buy Later” Trap: Why Waiting Could Cost You Your First Homehttps://www.spreaker.com/episode/episode-120-the-i-ll-buy-later-trap-why-waiting-could-cost-you-your-first-home--70766892With constant headlines about interest rates, global uncertainty, and property trends, it’s easy to fall into the trap of thinking you should “wait until things settle.”
But here’s the truth: there will always be a reason not to buy.

So how do you know when is the right time to buy your first home? Maryanne breaks it down in a practical, no-nonsense way — helping you shift your focus from external noise to what actually matters: your readiness.

💡 What You’ll Learn in This Episode:

Why trying to “time the market” can backfire
Real-life lessons from buyers who delayed during COVID
The hidden costs of waiting (it’s more than just price increases)
How rising property prices can impact your lifestyle long-term
The confidence trap that keeps renters stuck
A powerful mindset shift to help you take action
A simple question to determine your readiness to buy

🚨 Key Takeaway: The best time to buy isn’t when the market is perfect, because it never will be.

👉 The right time to buy your first home is when:

You have your pre-approval
Your deposit (or scheme eligibility) is ready
You feel personally ready
You find the right property

🧠 Action Step: Ask yourself this powerful question: “What would need to be true for me to buy in the next 6–12 months?”
Then reverse-engineer your plan from there.
This simple exercise helps you move from feeling stuck → to taking control.

🎓 Ready to Take the Next Step? If you’re not quite ready yet, that’s okay start building your confidence and knowledge with the First Home Buyers Program 👇

👉 Full First Home Buyers Program:
https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c

👉 Book a Fee-Free Strategy Session:
https://360mortgagesolutions.com.au/contact-us/

📣 Final Thoughts: Waiting might feel safe… but it could be quietly costing you more than you realise. Start preparing now so you can confidently step into the market when you’re ready — not when the headlines tell you to be.]]>https://api.spreaker.com/episode/70766892Thu, 19 Mar 2026 23:22:08 +0000Maryanne ElliottIn today’s episode, Maryanne Elliott from 360 Mortgage Solutions dives into one of the most common mistakes first home buyers make - waiting too long to enter the property market. With constant headlines about interest rates, global uncertainty, and...With constant headlines about interest rates, global uncertainty, and property trends, it’s easy to fall into the trap of thinking you should “wait until things settle.”
But here’s the truth: there will always be a reason not to buy.

So how do you know when is the right time to buy your first home? Maryanne breaks it down in a practical, no-nonsense way — helping you shift your focus from external noise to what actually matters: your readiness.

💡 What You’ll Learn in This Episode:

Why trying to “time the market” can backfire
Real-life lessons from buyers who delayed during COVID
The hidden costs of waiting (it’s more than just price increases)
How rising property prices can impact your lifestyle long-term
The confidence trap that keeps renters stuck
A powerful mindset shift to help you take action
A simple question to determine your readiness to buy

🚨 Key Takeaway: The best time to buy isn’t when the market is perfect, because it never will be.

👉 The right time to buy your first home is when:

You have your pre-approval
Your deposit (or scheme eligibility) is ready
You feel personally ready
You find the right property

🧠 Action Step: Ask yourself this powerful question: “What would need to be true for me to buy in the next 6–12 months?”
Then reverse-engineer your plan from there.
This simple exercise helps you move from feeling stuck → to taking control.

🎓 Ready to Take the Next Step? If you’re not quite ready yet, that’s okay start building your confidence and knowledge with the First Home Buyers Program 👇

👉 Full First Home Buyers Program:
https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c

👉 Book a Fee-Free Strategy Session:
https://360mortgagesolutions.com.au/contact-us/

📣 Final Thoughts: Waiting might feel safe… but it could be quietly costing you more than you realise. Start preparing now so you can confidently step into the market when you’re ready — not when the headlines tell you to be.]]>582falsefullEpisode 119 : The 3 Biggest Mistakes First Home Buyers Make (And How to Avoid Them)https://www.spreaker.com/episode/episode-119-the-3-biggest-mistakes-first-home-buyers-make-and-how-to-avoid-them--70629967The 3 Biggest Mistakes First Home Buyers Make (And How to Avoid Them)

Episode Description
Buying your first home is exciting, but it’s also easy to make mistakes that can cost you time, money, and confidence. In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott shares the 3 biggest mistakes first home buyers make and how to avoid them.
You’ll learn why waiting until you “feel ready” can hold you back, why saving a deposit is only one piece of the puzzle, and why so many first home buyers think everyone else has it figured out when they actually don’t.If you’re planning to buy your first home in Australia and want to feel more confident about the process, this episode will help you take the next step with more clarity and less stress.In This Episode,

You’ll Learn

why waiting too long to speak to a broker can slow down your progress
why focusing only on your deposit can be a mistake
what lenders also look at besides your savings
how credit cards, personal loans, and spending habits can affect borrowing power
why confidence comes from getting the right guidance early

The 3 Biggest Mistakes First Home Buyers Make

Waiting until you “feel ready - Many first home buyers delay getting advice because they assume they need to have everything sorted first. In reality, speaking to a broker early can help you understand your borrowing power, deposit goals, and what steps to take next.
Focusing only on the deposit - Saving a deposit matters, but it’s not the only thing lenders assess. Your debts, living expenses, repayment history, and overall financial position also play a big role in your home loan application.
Thinking everyone else knows what they’re doing - It’s easy to feel behind when friends and family are buying homes, but many buyers are learning as they go.

why waiting too long to speak to a broker can slow down your progress
why focusing only on your deposit can be a mistake
what lenders also look at besides your savings
how credit cards, personal loans, and spending habits can affect borrowing power
why confidence comes from getting the right guidance early

The 3 Biggest Mistakes First Home Buyers Make

Waiting until you “feel ready - Many first home buyers delay getting advice because they assume they need to have everything sorted first. In reality, speaking to a broker early can help you understand your borrowing power, deposit goals, and what steps to take next.
Focusing only on the deposit - Saving a deposit matters, but it’s not the only thing lenders assess. Your debts, living expenses, repayment history, and overall financial position also play a big role in your home loan application.
Thinking everyone else knows what they’re doing - It’s easy to feel behind when friends and family are buying homes, but many buyers are learning as they go.

The difference is often that they asked questions early and got support through the process.

Key Takeaway
You do not need to have everything perfectly figured out before starting your first home buying journey.
The earlier you get advice, the sooner you can make a plan and avoid the mistakes that keep many buyers stuck.About Your HostMaryanne Elliott is a mortgage broker and founder of 360 Mortgage Solutions. After working for one of the major banks for over 13 years, she now helps first home buyers understand the lending and property process so they can buy sooner, with more confidence and less stress.Resources

Book a 15-minute high-level phone chat:
https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

Learn more about The First Home Buyers Program:
https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c

SEO Keywords
first home buyer mistakes
biggest mistakes first home buyers make
first home buyer tips Australia
buying your first home Australia
first home buyer podcast
home loan tips for first home buyers
how to avoid first home buyer mistakes
first home buyer help Australia
]]>523australia,australian,borrowing,broker,buyer,buying,deposit,first,home,loans,market,mortgage,power,property,saving,tips,yourfalsefullEpisode 118: Help to Buy Scheme Australia Explained | Can It Help First Home Buyers Enter the Property Market?https://www.spreaker.com/episode/episode-118-help-to-buy-scheme-australia-explained-can-it-help-first-home-buyers-enter-the-property-market--70492342
The Help to Buy Scheme is a shared equity program where the government contributes a percentage of the purchase price of your home. This can reduce the amount you need to borrow and lower the deposit required to buy your first property. But is it the right option for you? In this episode, we break down:
• What the Help to Buy Scheme is
• How the shared equity program works in Australia
• How much deposit you may need
• The pros and cons of the scheme
• Who the program is designed to help
• What first home buyers should consider before applying If you’re planning to buy your first home in the next 6–12 months, understanding government schemes like this could make a big difference in your journey.

The goal of this podcast is to help first home buyers feel confident, informed and prepared before entering the property market. Want to know what your options look like? Start with a quick 15-minute chat to understand your borrowing power and the government schemes you may qualify for.
Book here:
https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH About the Host Maryanne Elliott is a mortgage broker and founder of 360 Mortgage Solutions.
After working for one of Australia's major banks for over 13 years, she now specialises in helping first home buyers understand the home buying process and get into the property market with confidence.

To check out the First Home Buyers Program Course head here - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c

Keywords:
Help to Buy Scheme Australia, first home buyer Australia, government schemes for first home buyers, shared equity scheme Australia, buying your first home Australia, first home buyer mortgage tips, how to buy your first home, property market Australia, first home buyer assistance Australia.]]>https://api.spreaker.com/episode/70492342Thu, 05 Mar 2026 22:35:51 +0000Maryanne ElliottBuying your first home can feel overwhelming, especially when saving a deposit feels like the hardest part. In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott from 360 Mortgage Solutions explains the Help to Buy...
The Help to Buy Scheme is a shared equity program where the government contributes a percentage of the purchase price of your home. This can reduce the amount you need to borrow and lower the deposit required to buy your first property. But is it the right option for you? In this episode, we break down:
• What the Help to Buy Scheme is
• How the shared equity program works in Australia
• How much deposit you may need
• The pros and cons of the scheme
• Who the program is designed to help
• What first home buyers should consider before applying If you’re planning to buy your first home in the next 6–12 months, understanding government schemes like this could make a big difference in your journey.

The goal of this podcast is to help first home buyers feel confident, informed and prepared before entering the property market. Want to know what your options look like? Start with a quick 15-minute chat to understand your borrowing power and the government schemes you may qualify for.
Book here:
https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH About the Host Maryanne Elliott is a mortgage broker and founder of 360 Mortgage Solutions.
After working for one of Australia's major banks for over 13 years, she now specialises in helping first home buyers understand the home buying process and get into the property market with confidence.

To check out the First Home Buyers Program Course head here - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c

Keywords:
Help to Buy Scheme Australia, first home buyer Australia, government schemes for first home buyers, shared equity scheme Australia, buying your first home Australia, first home buyer mortgage tips, how to buy your first home, property market Australia, first home buyer assistance Australia.]]>646falsefullEpisode 117: First Home Buyer Mistakes That Could Cost You Thousands (And How to Avoid Them)https://www.spreaker.com/episode/episode-117-first-home-buyer-mistakes-that-could-cost-you-thousands-and-how-to-avoid-them--70351056
Buying your first home should feel exciting… not overwhelming, confusing, or financially risky. In this episode, I break down the most common first home buyer mistakes I’m seeing right now – from relying on the wrong advice to bidding at auction without finance in place (yes, that really happens 😅). If you’re planning to buy in 2026 (or sooner), this episode will help you avoid costly errors and move forward with clarity and confidence. 🚩 The Most Common First Home Buyer Mistakes 1️⃣ Only Talking to Your Bank Speaking to your bank isn’t wrong… but it can limit your options. Banks can only offer their own products. They won’t tell you about:

Government schemes they don’t participate in
Lenders offering better pricing
Alternative structures that suit your situation

In this episode, I share a real story of a client quoted tens of thousands in Lenders Mortgage Insurance (LMI) by her bank – when she may not have needed to pay it at all through another lender. Lesson: A good mortgage broker looks at the whole market, not just one slice of it. 2️⃣ Relying on AI Instead of Experts Yes… we’re talking about ChatGPT 👀 AI is helpful. I use it. You probably use it. But when it comes to finance strategy, government schemes, lending policy, or legal advice – it can get it wrong. AI “hallucinations” are real, and I’ve had clients come to me with completely incorrect information about:

First Home Buyer schemes
Deposit requirements
Stamp duty
Loan structures

If it’s a loan question → ask your broker.
If it’s a legal question → ask your conveyancer. Experts exist for a reason. 3️⃣ Bidding at Auction Without Pre-Approval This one makes my broker heart race 😅 When the hammer falls at auction, you’ve bought the property. There’s no cooling-off period. I share a story about clients who successfully bid at auction… before we had formal pre-approval in place. Thankfully it worked out. But it could have gone very differently. Before bidding at auction, you must:

Have pre-approval
Understand your finance position
Speak to your conveyancer
Know the risks

Auctions are not the place to “hope for the best.” 4️⃣ Borrowing Your Maximum Capacity Just because the bank says you can borrow it… doesn’t mean you should. One of the biggest first home buyer mistakes is shopping at your maximum borrowing capacity instead of focusing on comfortable repayments. When interest rates move (and they do), stress increases quickly if you’re stretched. Instead:

Look at repayments first
Decide what feels comfortable
Build buffer into your lifestyle
Consider options like fixing if certainty helps you sleep at night

Your goal isn’t just to buy a home.
Your goal is to enjoy living in it. 💡 My Two Biggest Pieces of Advice If 2026 is your year to enter the property market: ✅ 1. Get Educated Early Join the First Home Buyers Program and learn the steps before you’re under pressure to sign a contract. 👉 Full First Home Buyers Program:
Enroll Here:https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c

This program walks you through:

Borrowing capacity
Government schemes
Deposits
Contracts
Pre-approvals
Auctions
Settlement

Share it with a friend
Leave a review
Send it to someone who’s thinking about buying in 2026

And if you're ready to take action…

📅 Book a Fee-Free Meeting with the 360 Mortgage Solutions Team:
https://360mortgagesolutions.com.au/contact-us/ Let’s make your first home journey strategic, confident, and stress-free.

Meta Description (SEO Optimised) Avoid costly first home buyer mistakes with expert advice on borrowing capacity, auctions, government schemes, and working with the right mortgage broker.]]>https://api.spreaker.com/episode/70351056Fri, 27 Feb 2026 23:52:32 +0000Maryanne ElliottFirst Home Buyer Mistakes That Could Cost You Thousands (And How to Avoid Them) Buying your first home should feel exciting… not overwhelming, confusing, or financially risky. In this episode, I break down the most common first home buyer mistakes...
Buying your first home should feel exciting… not overwhelming, confusing, or financially risky. In this episode, I break down the most common first home buyer mistakes I’m seeing right now – from relying on the wrong advice to bidding at auction without finance in place (yes, that really happens 😅). If you’re planning to buy in 2026 (or sooner), this episode will help you avoid costly errors and move forward with clarity and confidence. 🚩 The Most Common First Home Buyer Mistakes 1️⃣ Only Talking to Your Bank Speaking to your bank isn’t wrong… but it can limit your options. Banks can only offer their own products. They won’t tell you about:

Government schemes they don’t participate in
Lenders offering better pricing
Alternative structures that suit your situation

First Home Buyer schemes
Deposit requirements
Stamp duty
Loan structures

Have pre-approval
Understand your finance position
Speak to your conveyancer
Know the risks

Look at repayments first
Decide what feels comfortable
Build buffer into your lifestyle
Consider options like fixing if certainty helps you sleep at night

Borrowing capacity
Government schemes
Deposits
Contracts
Pre-approvals
Auctions
Settlement

So you feel confident at every stage. ✅ 2. Focus on the Step in Front of You Don’t stress about settlement when you haven’t even spoken to a broker yet. Don’t stress about loan structure when you’re still saving your deposit. Property is a step-by-step journey. Incremental progress = long-term success. 🎧 Also Mentioned in This Episode I’ve launched a brand-new podcast with Bec Watson called Dollars & Distractions. If you want broader finance conversations (beyond just first home buying), go...]]>741falsefullEpisode 116: The Truth About Buying Your First Home (And the Mistakes No One Warns You About)https://www.spreaker.com/episode/episode-116-the-truth-about-buying-your-first-home-and-the-mistakes-no-one-warns-you-about--69834096✔ The biggest mistake people make by going straight to a bank
✔ The truth about deposits (and why you don’t always need 20%)
✔ Common government grants and incentives first home buyers miss
✔ How emotions can cost you money when choosing a property
✔ Why your first home doesn’t need to be your forever home
✔ How a structured first home buyers program puts you back in control 🎧 Who This Episode Is Perfect For:

First home buyers who don’t know where to start
Renters wondering if buying is actually possible
Couples saving for a deposit but unsure how much they need
Anyone feeling overwhelmed by conflicting property advice

🚀 Ready to Take the Next Step? If this episode helped you and you’re ready for clarity, support, and a step-by-step plan — here’s how you can get started: 👉 FREE First Home Buyer Mini Course
Learn the basics, understand your options, and stop guessing.
🔗 Join here:
https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx 👉 The Full First Home Buyers Program
A complete roadmap from “Can I buy?” to “I’ve got the keys.”
🔗 Enrol here:
https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx 👉 Book a Fee-Free Strategy Session
Chat one-on-one with the 360 Mortgage Solutions team.
🔗 Book here:
https://360mortgagesolutions.com.au/contact-us/ 🎙️ Don’t Forget If you enjoyed this episode:
⭐ Subscribe to the podcast
⭐ Share it with a friend thinking about buying their first home
⭐ Tune in for more episodes designed specifically for first home buyers]]>https://api.spreaker.com/episode/69834096Fri, 06 Feb 2026 03:53:03 +0000Maryanne ElliottBuying your first home can feel overwhelming — confusing advice, bank jargon, and fear of making the wrong decision often stop first home buyers from taking action. In this episode of The First Home Buyers Program Podcast, we break down the most...✔ The biggest mistake people make by going straight to a bank
✔ The truth about deposits (and why you don’t always need 20%)
✔ Common government grants and incentives first home buyers miss
✔ How emotions can cost you money when choosing a property
✔ Why your first home doesn’t need to be your forever home
✔ How a structured first home buyers program puts you back in control 🎧 Who This Episode Is Perfect For:

First home buyers who don’t know where to start
Renters wondering if buying is actually possible
Couples saving for a deposit but unsure how much they need
Anyone feeling overwhelmed by conflicting property advice

What refinancing actually means for first home buyers

Common myths (and truths) about refinancing

Signs it might be time to look at a new loan

What to be mindful of—like equity, timing, and fees

Why 2026 could be a smart time to refinance

How to know if you’re getting a good deal

💬 Quote of the Episode: “Your first home loan doesn’t have to be your forever loan.” ✅ Take the Next Step: 🎓 Want to learn more about home loans and refinancing?
👉 Join our FREE First Home Buyer Mini Course 📲 Ready to review your current loan or explore refinancing options?
👉 Book a fee-free meeting with 360 Mortgage Solutions 📢 Stay Connected: If you enjoyed this episode, don’t forget to subscribe, leave a review, and share it with a fellow first home buyer who might need to hear this!]]>https://api.spreaker.com/episode/68781080Fri, 28 Nov 2025 07:02:47 +0000Maryanne ElliottJust bought your first home and wondering if refinancing is worth it? In this episode, we break down what first home buyers need to know about refinancing in 2026. 🏡 Episode Summary: You’ve got your first home loan—amazing! But now you’re hearing...

What refinancing actually means for first home buyers

Common myths (and truths) about refinancing

Signs it might be time to look at a new loan

What to be mindful of—like equity, timing, and fees

Why 2026 could be a smart time to refinance

How to know if you’re getting a good deal

💬 Quote of the Episode: “Your first home loan doesn’t have to be your forever loan.” ✅ Take the Next Step: 🎓 Want to learn more about home loans and refinancing?
👉 Join our FREE First Home Buyer Mini Course 📲 Ready to review your current loan or explore refinancing options?
👉 Book a fee-free meeting with 360 Mortgage Solutions 📢 Stay Connected: If you enjoyed this episode, don’t forget to subscribe, leave a review, and share it with a fellow first home buyer who might need to hear this!]]>431falsefullEpisode 114 - 3 Real Client Scenarios: How We Helped Buyers Get Approved With Low Borrowing Capacityhttps://www.spreaker.com/episode/episode-114-3-real-client-scenarios-how-we-helped-buyers-get-approved-with-low-borrowing-capacity--68562202You’ll hear:

Why lenders heavily penalise debt in servicing calculations
How using a portion of your deposit to clear debt can increase your borrowing capacity
The surprising before-and-after difference for this client

2. How property share/co-buying helped two siblings get into the market sooner Buying alone wasn’t possible — but buying together was.
In this story, Maryanne shares:

How combining borrowing power opened up more options
Why co-buying can be a smart stepping stone to your long-term goals
How the pair structured the loan and made the purchase work for both incomes and lifestyles

3. How investing instead of buying to live in unlocked a realistic entry point Some clients can’t afford the suburb they want right now, but that doesn’t mean they can’t start building wealth.
In this scenario, you’ll learn:

How “rent where you want, buy where you can afford” changed everything
How purchasing a more affordable investment property created a strategic entry into the market
The longer-term plan we set up so they can upgrade into a home they love later

💡 The Big Takeaway Low borrowing capacity doesn’t mean your dream is over — it simply means we need the right strategy. There’s almost always a path forward when you understand how lenders think and what levers can be pulled. 📌 Episode Highlights

The ONE thing lenders care about most when calculating how much you can borrow
Why reducing debt can improve borrowing more than increasing your income
When co-buying makes sense — and when it doesn’t
Why investing first is sometimes the smarter, faster move
The mindset shift that helps buyers get into the market sooner
Real results from real clients (no theory, no fluff)

🎧 Listen Now This episode is perfect for:

First home buyers
Self-employed buyers
Anyone who’s been told “you can’t borrow enough right now”
People feeling stuck or overwhelmed by lending rules

🔗 Links & Resources

Book an appointment with Maryanne: https://calendly.com/360mortgagesolutions
Follow along on Instagram & Facebook for tips

🙌 If You Enjoyed This Episode… Please follow, subscribe, and leave a review — it helps more first home buyers find the guidance they need.]]>https://api.spreaker.com/episode/68562202Fri, 14 Nov 2025 06:03:18 +0000Maryanne ElliottIn today’s episode, Maryanne shares three real-life stories from the last few weeks where clients were struggling with low borrowing capacity — and how strategic planning, smart restructuring, and thinking outside the box helped them move from “I...You’ll hear:

Why lenders heavily penalise debt in servicing calculations
How using a portion of your deposit to clear debt can increase your borrowing capacity
The surprising before-and-after difference for this client

2. How property share/co-buying helped two siblings get into the market sooner Buying alone wasn’t possible — but buying together was.
In this story, Maryanne shares:

How combining borrowing power opened up more options
Why co-buying can be a smart stepping stone to your long-term goals
How the pair structured the loan and made the purchase work for both incomes and lifestyles

How “rent where you want, buy where you can afford” changed everything
How purchasing a more affordable investment property created a strategic entry into the market
The longer-term plan we set up so they can upgrade into a home they love later

The ONE thing lenders care about most when calculating how much you can borrow
Why reducing debt can improve borrowing more than increasing your income
When co-buying makes sense — and when it doesn’t
Why investing first is sometimes the smarter, faster move
The mindset shift that helps buyers get into the market sooner
Real results from real clients (no theory, no fluff)

🎧 Listen Now This episode is perfect for:

First home buyers
Self-employed buyers
Anyone who’s been told “you can’t borrow enough right now”
People feeling stuck or overwhelmed by lending rules

🔗 Links & Resources

Book an appointment with Maryanne: https://calendly.com/360mortgagesolutions
Follow along on Instagram & Facebook for tips

🙌 If You Enjoyed This Episode… Please follow, subscribe, and leave a review — it helps more first home buyers find the guidance they need.]]>410falsefullEpisode 113 - What Really Happens on Settlement Day: A First Home Buyer’s Guidehttps://www.spreaker.com/episode/episode-113-what-really-happens-on-settlement-day-a-first-home-buyer-s-guide--68439081

What actually happens on settlement day.
Why taking the day off work might not be necessary.
The key tasks you must complete in the lead-up to settlement.
What can delay settlement—and how to create a contingency plan.
Pro tips for picking up your keys, moving in, and planning renovations.
Real-life stories from first home buyers (and what you can learn from them).

🛠️ Resources & Links:

🏡 Full First Home Buyers Program – Take control of your journey from pre-approval to settlement:
👉 Enroll Here
💬 Book a Free, Fee-Free Chat with the 360 Mortgage Solutions team:
👉 Book Here

🙌 Connect with Marianne:

🔑 Primary Keyword: Settlement Day for First Home Buyers 📣 Call to Action: 💥 Loved this episode? Share it with a friend who’s buying their first home, and don’t forget to subscribe for more first home tips every week!]]>https://api.spreaker.com/episode/68439081Thu, 06 Nov 2025 23:45:07 +0000Maryanne Elliott📄 Show Notes: Settlement day can be one of the most exciting—and nerve-wracking—parts of the home buying journey, especially for first home buyers who have no idea what to expect. In this episode, Marianne Elliott from 360 Mortgage Solutions breaks...

What actually happens on settlement day.
Why taking the day off work might not be necessary.
The key tasks you must complete in the lead-up to settlement.
What can delay settlement—and how to create a contingency plan.
Pro tips for picking up your keys, moving in, and planning renovations.
Real-life stories from first home buyers (and what you can learn from them).

🛠️ Resources & Links:

🏡 Full First Home Buyers Program – Take control of your journey from pre-approval to settlement:
👉 Enroll Here
💬 Book a Free, Fee-Free Chat with the 360 Mortgage Solutions team:
👉 Book Here

🙌 Connect with Marianne:

🔑 Primary Keyword: Settlement Day for First Home Buyers 📣 Call to Action: 💥 Loved this episode? Share it with a friend who’s buying their first home, and don’t forget to subscribe for more first home tips every week!]]>461buyers,day,first,for,home,settlementfalsefullEpisode 112 - Post-Settlement Mortgage Checklist: What to Do After Your Home Loan Settleshttps://www.spreaker.com/episode/episode-112-post-settlement-mortgage-checklist-what-to-do-after-your-home-loan-settles--68261011

✅ How to confirm your loan repayments are correct
💸 Why your direct debit setup matters
🏦 How to structure your bank accounts for easier budgeting
🔄 Tips for using your offset account to reduce interest
🚨 What red flags to watch for in the first few weeks post-settlement

🔗 Helpful Links: 👉 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here
👉 First Home Buyer Mini Course (Free): Join Here
👉 Full First Home Buyers Program: Enroll Here 💬 Want Help Reviewing Your Loan Setup? We offer personalised reviews to make sure your mortgage is optimised, your banking is structured, and you’re not losing money to simple setup mistakes. 📲 Contact us today or leave a comment with your questions! 📢 Don’t Forget to Like, Subscribe & Share! If this video helped you, hit like, subscribe, and share it with someone who just bought a home!]]>https://api.spreaker.com/episode/68261011Fri, 24 Oct 2025 04:58:43 +0000Maryanne Elliott🎉 Settlement's done—congrats! Now what? In this video, I walk you through your post-settlement mortgage checklist so your loan is set up correctly from day one. We’ll cover how to check your repayments, structure your banking, and make sure your...

✅ How to confirm your loan repayments are correct
💸 Why your direct debit setup matters
🏦 How to structure your bank accounts for easier budgeting
🔄 Tips for using your offset account to reduce interest
🚨 What red flags to watch for in the first few weeks post-settlement

🔗 Helpful Links: 👉 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here
👉 First Home Buyer Mini Course (Free): Join Here
👉 Full First Home Buyers Program: Enroll Here 💬 Want Help Reviewing Your Loan Setup? We offer personalised reviews to make sure your mortgage is optimised, your banking is structured, and you’re not losing money to simple setup mistakes. 📲 Contact us today or leave a comment with your questions! 📢 Don’t Forget to Like, Subscribe & Share! If this video helped you, hit like, subscribe, and share it with someone who just bought a home!]]>283falsefullEpisode 111 - Choose Your Hard - and Start Preparing Nowhttps://www.spreaker.com/episode/episode-111-choose-your-hard-and-start-preparing-now--68069561In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, mortgage broker and educator, breaks down the biggest barrier most first-time buyers face — their mindset. Maryanne explains why the property market feels tougher than ever, what “choosing your hard” really means, and how you can start preparing right now even if you’re not ready to buy yet.
You’ll learn practical steps to build confidence, save your deposit, and understand what lenders look for — so when the time comes, you’re fully prepared to step into the market.

🧠 Key Takeaways

Why mindset is the biggest challenge for first home buyers in 2025.
The meaning behind “choose your hard” and how it applies to buying your first home.
Smart ways to prepare before you’re ready to purchase — from saving a deposit to exploring rentvesting and co-buying.
How education and preparation can help you buy sooner, with confidence and less stress.
How The First Home Buyer Program can guide you step-by-step through the process.

🔗 Resources & Links

🎓 Join The First Home Buyer Program – Start learning what to expect, what lenders look for, and how to get your finances ready.
📘 Free Mini Course – Get a taste of the program and start building your first home plan.
📅 Book a chat with Maryanne: calendly.com/360mortgagesolutions

💬 Connect with Maryanne

first home buyer Australia, how to buy your first home, mindset for first home buyers, saving for a deposit, preparing to buy a home, first home buyer tips, rentvesting, co-buying property, Maryanne Elliott mortgage broker, 360 Mortgage Solutions, The First Home Buyer Program.]]>https://api.spreaker.com/episode/68069561Thu, 09 Oct 2025 23:35:07 +0000Maryanne Elliott🏡 Episode Description Feeling like buying your first home is just too hard? You’re not alone. In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, mortgage broker and educator, breaks down the biggest barrier most first-time...In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, mortgage broker and educator, breaks down the biggest barrier most first-time buyers face — their mindset. Maryanne explains why the property market feels tougher than ever, what “choosing your hard” really means, and how you can start preparing right now even if you’re not ready to buy yet.
You’ll learn practical steps to build confidence, save your deposit, and understand what lenders look for — so when the time comes, you’re fully prepared to step into the market.

🧠 Key Takeaways

Why mindset is the biggest challenge for first home buyers in 2025.
The meaning behind “choose your hard” and how it applies to buying your first home.
Smart ways to prepare before you’re ready to purchase — from saving a deposit to exploring rentvesting and co-buying.
How education and preparation can help you buy sooner, with confidence and less stress.
How The First Home Buyer Program can guide you step-by-step through the process.

🔗 Resources & Links

🎓 Join The First Home Buyer Program – Start learning what to expect, what lenders look for, and how to get your finances ready.
📘 Free Mini Course – Get a taste of the program and start building your first home plan.
📅 Book a chat with Maryanne: calendly.com/360mortgagesolutions

💬 Connect with Maryanne

Why families are choosing to co-borrow

The main benefits (borrowing power, shared costs, entering the market sooner)

The drawbacks you need to watch out for

Practical tips to make co-borrowing a success

✨ If you’re considering co-borrowing as a First Home Buyer, let’s talk about the right structure for your situation. Book a chat with me via the link in the show notes: https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/67817291Fri, 19 Sep 2025 05:36:08 +0000Maryanne ElliottBuying your first home has never been more challenging. With house prices climbing and supply tight, more First Home Buyers are turning to co-borrowing with their parents as a way to finally get into the market. In this episode of The First Home...

Why families are choosing to co-borrow

The main benefits (borrowing power, shared costs, entering the market sooner)

The drawbacks you need to watch out for

Practical tips to make co-borrowing a success

✨ If you’re considering co-borrowing as a First Home Buyer, let’s talk about the right structure for your situation. Book a chat with me via the link in the show notes: https://calendly.com/360mortgagesolutions]]>317falsefullEpisode 109 - Fixed vs Variable Home Loans in 2025: Which One’s Right for You?https://www.spreaker.com/episode/episode-109-fixed-vs-variable-home-loans-in-2025-which-one-s-right-for-you--67741271When it comes to choosing between a fixed or variable home loan, first home buyers in 2025 have a big decision to make. In this episode, I simplify the confusion and walk you through what you really need to know about fixed vs variable home loans in 2025. You’ll discover:

The difference between fixed and variable home loans
Pros and cons of each option in 2025
How to decide which suits your lifestyle and financial goals
Why split loans could be a smart choice

✨ Free resources to make your first home journey easier:
👉 Join the Free First Home Buyer Mini Course
👉 Enroll in the Full First Home Buyers Program
👉 Book a Fee-Free Meeting with 360 Mortgage Solutions]]>https://api.spreaker.com/episode/67741271Sat, 13 Sep 2025 00:27:23 +0000Maryanne ElliottEpisode Description: When it comes to choosing between a fixed or variable home loan, first home buyers in 2025 have a big decision to make. In this episode, I simplify the confusion and walk you through what you really need to know about fixed vs...When it comes to choosing between a fixed or variable home loan, first home buyers in 2025 have a big decision to make. In this episode, I simplify the confusion and walk you through what you really need to know about fixed vs variable home loans in 2025. You’ll discover:

The difference between fixed and variable home loans
Pros and cons of each option in 2025
How to decide which suits your lifestyle and financial goals
Why split loans could be a smart choice

✨ Free resources to make your first home journey easier:
👉 Join the Free First Home Buyer Mini Course
👉 Enroll in the Full First Home Buyers Program
👉 Book a Fee-Free Meeting with 360 Mortgage Solutions]]>251falsefullEpisode 108 - BNPL is the Sneaky Culprit Keeping You Behind Your Paychequehttps://www.spreaker.com/episode/episode-108-bnpl-is-the-sneaky-culprit-keeping-you-behind-your-paycheque--67640482

Why buy now pay later accounts aren’t as harmless as they seem.
How they can reduce your home loan borrowing capacity.
The psychology behind why so many people fall into the BNPL cycle.
Simple, practical steps to get out of the cycle and take back control of your money.
How speaking with a mortgage broker can put you on the right track toward financial freedom.

Quick Tips to Break the Cycle
✅ Audit all your BNPL accounts.
✅ Pay them down one at a time.
✅ Switch to debit or cash for everyday spending.
✅ Build a savings buffer for emergencies.
✅ Get expert guidance if you’re planning to apply for a loan. Resources and Links Mentioned in This Episode

🏡 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here
🎓 First Home Buyer Mini Course: Join Here
📘 Full First Home Buyers Program: Enroll Here

Final Thoughts Buy now pay later accounts might promise convenience, but they could be the reason you’re always living behind your paycheck—and the reason your dream home feels out of reach. Tune in now to learn how to break free from the cycle and set yourself up for long-term financial success.]]>https://api.spreaker.com/episode/67640482Sat, 13 Sep 2025 00:26:21 +0000Maryanne ElliottIn this episode, we dive into the hidden dangers of buy now pay later accounts. They may seem like an easy way to spread out payments, but the reality is they can trap you in a cycle of debt, reduce your savings power, and even limit your borrowing...

Why buy now pay later accounts aren’t as harmless as they seem.
How they can reduce your home loan borrowing capacity.
The psychology behind why so many people fall into the BNPL cycle.
Simple, practical steps to get out of the cycle and take back control of your money.
How speaking with a mortgage broker can put you on the right track toward financial freedom.

🏡 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here
🎓 First Home Buyer Mini Course: Join Here
📘 Full First Home Buyers Program: Enroll Here

Final Thoughts Buy now pay later accounts might promise convenience, but they could be the reason you’re always living behind your paycheck—and the reason your dream home feels out of reach. Tune in now to learn how to break free from the cycle and set yourself up for long-term financial success.]]>554falsefullEpisode 107 - October 1 Changes to the First Home Guarantee: Unlimited Places, No Income Caps & Higher Price Limits!https://www.spreaker.com/episode/episode-107-october-1-changes-to-the-first-home-guarantee-unlimited-places-no-income-caps-higher-price-limits--67549623

What’s changing in the First Home Guarantee from 1 October 2025

New property price caps for capital cities and regional areas

Why removing income caps opens the door to thousands more buyers

What “unlimited places” really means — and how it affects demand

Why acting before October could put you ahead of the crowd

How to prepare now — and secure your spot before competition spikes

🛠️ Useful Links & Resources:

📣 Subscribe & Share! If you found this helpful, please hit Subscribe, leave us a ⭐️⭐️⭐️⭐️⭐️ review, and share this episode with someone who's ready to buy their first home — or has been waiting for the right moment. 🔑 Primary Keyword: First Home Guarantee Scheme changes October 2025 📈 Secondary Keywords: First home buyer scheme update, unlimited places first home buyers, higher price caps first home guarantee, how to buy your first home 2025]]>https://api.spreaker.com/episode/67549623Fri, 29 Aug 2025 05:34:29 +0000Maryanne Elliott📘 Episode Description (SEO Optimized): Big changes are coming to the First Home Guarantee Scheme from 1 October 2025 — and they’re set to reshape the playing field for first home buyers across Australia. In this episode of The First Home Buyers...

What’s changing in the First Home Guarantee from 1 October 2025

New property price caps for capital cities and regional areas

Why removing income caps opens the door to thousands more buyers

What “unlimited places” really means — and how it affects demand

Why acting before October could put you ahead of the crowd

How to prepare now — and secure your spot before competition spikes

🛠️ Useful Links & Resources:

📣 Subscribe & Share! If you found this helpful, please hit Subscribe, leave us a ⭐️⭐️⭐️⭐️⭐️ review, and share this episode with someone who's ready to buy their first home — or has been waiting for the right moment. 🔑 Primary Keyword: First Home Guarantee Scheme changes October 2025 📈 Secondary Keywords: First home buyer scheme update, unlimited places first home buyers, higher price caps first home guarantee, how to buy your first home 2025]]>236falsefullEpisode 106 - Money & Relationships 3 Conversations Every Couple Needs Before Buying Their First Homehttps://www.spreaker.com/episode/episode-106-money-relationships-3-conversations-every-couple-needs-before-buying-their-first-home--67472302✅ Why understanding your partner’s money mindset builds trust.
✅ How to align your shared goals to avoid future conflicts.
✅ The importance of creating a joint financial game plan for success. Whether you’re saving for a deposit or already house-hunting, these conversations will set you up for a smoother and happier home-buying journey. 📌 Resources & Next Steps:

Book your Fee-Free Meeting with 360 Mortgage Solutions → Book Here
First Home Buyer Mini Course → Join Here
Full First Home Buyers Program → Enroll Here

💬 If you and your partner are ready to take the first step, start with these conversations — and let us help you make the numbers side easy.]]>https://api.spreaker.com/episode/67472302Thu, 21 Aug 2025 23:39:27 +0000Maryanne ElliottBuying your first home isn’t just about securing a loan — it’s about navigating money and relationships as a team. In this episode, [Your Name] shares the top 3 money conversations for first home buyers that every couple should have before signing on...✅ Why understanding your partner’s money mindset builds trust.
✅ How to align your shared goals to avoid future conflicts.
✅ The importance of creating a joint financial game plan for success. Whether you’re saving for a deposit or already house-hunting, these conversations will set you up for a smoother and happier home-buying journey. 📌 Resources & Next Steps:

Book your Fee-Free Meeting with 360 Mortgage Solutions → Book Here
First Home Buyer Mini Course → Join Here
Full First Home Buyers Program → Enroll Here

💬 If you and your partner are ready to take the first step, start with these conversations — and let us help you make the numbers side easy.]]>326falsefullEpisode 105 - 3 Ways to Get Ahead This Spring Seasonhttps://www.spreaker.com/episode/episode-105-3-ways-to-get-ahead-this-spring-season--67361637You’ll learn:
✅ How to work out your deposit or equity position before you start house hunting.
✅ Why checking your eligibility for government grants and schemes could save you thousands.
✅ The importance of having a fully assessed pre-approval to stand out in a competitive market.

💡 August Special — Get The First Home Buyer Program for just $22 (lifetime access) using code SPRING25 at checkout:
👉 Grab your course here 📅 Book a free chat with Maryanne or Tara to discuss your deposit, grants, or pre-approval:
👉 Contact us here Follow 360 Mortgage Solutions for more tips:
📸 Instagram: @360MortgageSolutions
📘 Facebook: 360 Mortgage Solutions
]]>https://api.spreaker.com/episode/67361637Fri, 15 Aug 2025 01:45:08 +0000Maryanne ElliottThe spring season in Brisbane South is one of the busiest times in the property market with more homes for sale, more buyers at open homes, and more competition for the perfect property. In this episode of The First Home Buyers Program Podcast,...You’ll learn:
✅ How to work out your deposit or equity position before you start house hunting.
✅ Why checking your eligibility for government grants and schemes could save you thousands.
✅ The importance of having a fully assessed pre-approval to stand out in a competitive market.

💡 August Special — Get The First Home Buyer Program for just $22 (lifetime access) using code SPRING25 at checkout:
👉 Grab your course here 📅 Book a free chat with Maryanne or Tara to discuss your deposit, grants, or pre-approval:
👉 Contact us here Follow 360 Mortgage Solutions for more tips:
📸 Instagram: @360MortgageSolutions
📘 Facebook: 360 Mortgage Solutions
]]>316brisbane,broker,buyer,buying,estate,first,grants,home,market,mortgage,pre-approval,property,queensland,real,south,spring,tipsfalsefullEpisode 104 - My Top 5 Tips for Catching Up as a First Home Buyerhttps://www.spreaker.com/episode/episode-104-my-top-5-tips-for-catching-up-as-a-first-home-buyer--67263313Summary: If you're feeling like everyone else is ahead in the property game, you're not alone — and you're not too late. In this episode, Maryanne shares the five most practical ways to “catch up” as a first home buyer, without feeling overwhelmed or defeated. In This Episode You’ll Learn:

Why "being behind" is just a mindset trap
How to assess where you're really at (without shame)
What deposit you actually need (spoiler: it’s probably less than you think)
Grants and support you might be eligible for
How small, consistent actions build real momentum

🔗 Resources:

Enrol in the $22 First Home Buyer Program
Calendly Link to Book a Chat

]]>https://api.spreaker.com/episode/67263313Thu, 07 Aug 2025 23:35:07 +0000Maryanne ElliottEpisode Title: Feeling Left Behind? Here’s How to Catch Up (Even If You’re Starting from Scratch) Summary: If you're feeling like everyone else is ahead in the property game, you're not alone — and you're not too late. In this episode, Maryanne shares...Summary: If you're feeling like everyone else is ahead in the property game, you're not alone — and you're not too late. In this episode, Maryanne shares the five most practical ways to “catch up” as a first home buyer, without feeling overwhelmed or defeated. In This Episode You’ll Learn:

Why "being behind" is just a mindset trap
How to assess where you're really at (without shame)
What deposit you actually need (spoiler: it’s probably less than you think)
Grants and support you might be eligible for
How small, consistent actions build real momentum

🔗 Resources:

Enrol in the $22 First Home Buyer Program
Calendly Link to Book a Chat

]]>477falsefullEpisode 103 - HECS Slashed + More Borrowing Power: Why First Home Buyers Are Winning Right Nowhttps://www.spreaker.com/episode/episode-103-hecs-slashed-more-borrowing-power-why-first-home-buyers-are-winning-right-now--67182382✅ How banks are changing the way they assess HECS debt, making it easier to qualify for a loan
✅ What this means for your borrowing power and first home timeline
✅ And how to take advantage of this moment with a huge discount on the First Home Buyers Program – now just $22 for a limited time 🎁 Limited-Time Offer – Just $22 (Normally $250) I’ve dropped the price of the full First Home Buyers Program to just $22 for one month only – exclusively for podcast listeners. This is the exact step-by-step course I created to walk you through: 💰 Saving your deposit
🏠 Getting loan-ready
📄 Making offers
🔑 Navigating settlement
💸 Saving thousands on your mortgage

👉 Grab access here before it disappears:
🎓 https://maryanne-elliott.mykajabi.com/offers/MGN9cHua/checkout

🧠 Resources & Links

✅ Enrol in the First Home Buyers Program – $22 for a limited time
👉 https://maryanne-elliott.mykajabi.com/offers/MGN9cHua/checkout
📩 Have questions? Reach out on Instagram: @maryanne.elliott

💬 Leave a Review If this episode helped you, please consider leaving a quick review – it helps more people find the show and get the right support on their property journey. Thanks for listening, and remember: You’ve got this.]]>https://api.spreaker.com/episode/67182382Fri, 01 Aug 2025 00:00:19 +0000Maryanne Elliott🎧 Episode Summary: In this episode of the First Home Buyers Program Podcast, we’re breaking down one of the biggest wins for first home buyers in years. You’ll learn: ✅ Why the government’s 20% HECS indexation reduction could put thousands back in...✅ How banks are changing the way they assess HECS debt, making it easier to qualify for a loan
✅ What this means for your borrowing power and first home timeline
✅ And how to take advantage of this moment with a huge discount on the First Home Buyers Program – now just $22 for a limited time 🎁 Limited-Time Offer – Just $22 (Normally $250) I’ve dropped the price of the full First Home Buyers Program to just $22 for one month only – exclusively for podcast listeners. This is the exact step-by-step course I created to walk you through: 💰 Saving your deposit
🏠 Getting loan-ready
📄 Making offers
🔑 Navigating settlement
💸 Saving thousands on your mortgage

👉 Grab access here before it disappears:
🎓 https://maryanne-elliott.mykajabi.com/offers/MGN9cHua/checkout

🧠 Resources & Links

✅ Enrol in the First Home Buyers Program – $22 for a limited time
👉 https://maryanne-elliott.mykajabi.com/offers/MGN9cHua/checkout
📩 Have questions? Reach out on Instagram: @maryanne.elliott

💬 Leave a Review If this episode helped you, please consider leaving a quick review – it helps more people find the show and get the right support on their property journey. Thanks for listening, and remember: You’ve got this.]]>369falsefullEpisode 102 - Feel Like You’re Falling Behind? Here’s How to Start Your Home Buying Journeyhttps://www.spreaker.com/episode/episode-102-feel-like-you-re-falling-behind-here-s-how-to-start-your-home-buying-journey--67080579Host: Maryanne Elliott
Episode Length: 5 minutes

🔑 Episode Summary: Do you feel like everyone around you is buying homes… and you’re stuck wondering if you’ve missed your chance? You’re not alone—and you’re not behind. In this episode, Maryanne breaks down what to do right now to start your first home buying journey, even if you haven’t saved a cent yet. She shares practical tips, common mistakes to avoid, and the truth behind what most people get wrong when they delay getting advice. If you’re ready to stop feeling stuck and start making progress, this is the pep talk and plan you need.

🧭 In this episode, you’ll learn:

Why you’re not actually behind (even if it feels like it)
What you can do today to start the home buying process—even with no deposit
How comparing yourself to others slows you down
The #1 mistake most first home buyers make
Maryanne’s own first home story—and why she created this program for you

💡 Links & Resources:
👉 FREE Mini Course: The First Home Buyers Mini Course
👉 The full Course: The First Home Buyers Program

Your first step to understanding deposits, grants, and how to start your journey—without feeling overwhelmed.
📲 Follow Maryanne on Instagram: @maryanne.360mortgages
❤️ Loved this episode? Follow or subscribe to The First Home Buyers Program so you never miss a quick and practical episode. If this helped you, share it with a friend—or leave a review to help more first home buyers find us!]]>https://api.spreaker.com/episode/67080579Fri, 25 Jul 2025 01:50:07 +0000Maryanne ElliottPodcast: The First Home Buyers Program Host: Maryanne Elliott Episode Length: 5 minutes 🔑 Episode Summary: Do you feel like everyone around you is buying homes… and you’re stuck wondering if you’ve missed your chance? You’re not alone—and you’re not...Host: Maryanne Elliott
Episode Length: 5 minutes

🔑 Episode Summary: Do you feel like everyone around you is buying homes… and you’re stuck wondering if you’ve missed your chance? You’re not alone—and you’re not behind. In this episode, Maryanne breaks down what to do right now to start your first home buying journey, even if you haven’t saved a cent yet. She shares practical tips, common mistakes to avoid, and the truth behind what most people get wrong when they delay getting advice. If you’re ready to stop feeling stuck and start making progress, this is the pep talk and plan you need.

🧭 In this episode, you’ll learn:

Why you’re not actually behind (even if it feels like it)
What you can do today to start the home buying process—even with no deposit
How comparing yourself to others slows you down
The #1 mistake most first home buyers make
Maryanne’s own first home story—and why she created this program for you

What a building and pest inspection actually includes
Common issues that come up in reports (and what they mean)
When to book your inspection during the buying process
Why skipping an inspection can be a costly mistake
How to read and interpret an inspection report
What to do if issues are found before settlement

🛠️ Les also shares some horror stories and practical advice for buyers who want to feel confident about the condition of their property before signing on the dotted line. 📌 Whether you're a first home buyer or seasoned investor, this episode will give you a better understanding of how to protect your biggest asset—your home. 🌐 For more info about Resi Inspections, visit: [insert Resi Inspections website if available] 💬 Have questions or suggestions for future episodes? Drop a comment or message us anytime. 🔔 Don’t forget to subscribe so you never miss an episode full of expert advice to guide you through your property journey.]]>https://api.spreaker.com/episode/66570196Thu, 26 Jun 2025 23:50:07 +0000Maryanne Elliott📄 Show Notes: In this episode, I sit down with Les from Resi Inspections to unpack everything you need to know about building and pest inspections—why they’re essential, what to look out for, and how they can save you thousands in the long run. If...
🏠 Here’s what we cover:

What a building and pest inspection actually includes
Common issues that come up in reports (and what they mean)
When to book your inspection during the buying process
Why skipping an inspection can be a costly mistake
How to read and interpret an inspection report
What to do if issues are found before settlement

🛠️ Les also shares some horror stories and practical advice for buyers who want to feel confident about the condition of their property before signing on the dotted line. 📌 Whether you're a first home buyer or seasoned investor, this episode will give you a better understanding of how to protect your biggest asset—your home. 🌐 For more info about Resi Inspections, visit: [insert Resi Inspections website if available] 💬 Have questions or suggestions for future episodes? Drop a comment or message us anytime. 🔔 Don’t forget to subscribe so you never miss an episode full of expert advice to guide you through your property journey.]]>615buildingandpest,firsthome,homeloanfalsefullEpisode 100 - Is a Valuation Important? What Types of Valuations Are There?https://www.spreaker.com/episode/episode-100-is-a-valuation-important-what-types-of-valuations-are-there--66570204

Why valuations are a crucial part of the loan process

The 4 main types of bank valuations:

Full Valuation
Desktop Valuation
Kerbside Valuation
Automated Valuation (AVM)

Which type of valuation your lender might use and why

How valuation results can impact your loan outcome

📌 Don't miss the next episode, where I’ll share practical tips on how to help ensure you get the best valuation possible. 💬 Got questions or a topic you'd love me to cover? Drop a comment or get in touch! 🌐 Learn more at www.360mortgagesolutions.com.au 📢 Subscribe so you never miss a future episode packed with insights to help you navigate the home loan process with confidence.]]>https://api.spreaker.com/episode/66570204Thu, 19 Jun 2025 23:50:07 +0000Maryanne Elliott📄 Show Notes: In this episode, we’re diving into the world of property valuations—why they matter, what types there are, and how they can directly impact your home loan approval. Whether you're buying your first home, refinancing, or investing,...

Why valuations are a crucial part of the loan process

The 4 main types of bank valuations:

Full Valuation
Desktop Valuation
Kerbside Valuation
Automated Valuation (AVM)

Which type of valuation your lender might use and why

How valuation results can impact your loan outcome

📌 Don't miss the next episode, where I’ll share practical tips on how to help ensure you get the best valuation possible. 💬 Got questions or a topic you'd love me to cover? Drop a comment or get in touch! 🌐 Learn more at www.360mortgagesolutions.com.au 📢 Subscribe so you never miss a future episode packed with insights to help you navigate the home loan process with confidence.]]>273falsefullEpisode 99 - The Hidden Costs of Buying: What No One Tells Youhttps://www.spreaker.com/episode/episode-99-the-hidden-costs-of-buying-what-no-one-tells-you--66243640

The major upfront costs beyond your deposit that first home buyers frequently underestimate

Post-settlement expenses that can strain your budget if not properly planned for

How mortgage brokers provide comprehensive cost estimates tailored to your specific situation

Real-life example of how proper cost planning prevented financial stress for first-time buyers

Queensland-specific information on stamp duty and first home buyer concessions

Resources Mentioned:

First Home Buyers online course: [link to course]
Free 15-minute strategy call: https://calendly.com/360mortgagesolutions
Home Buying Cost Calculator: [link to resource]
First Home Owner Grant information: [link to resource]

Connect with 360 Mortgage Solutions:

Website: https://360mortgagesolutions.com.au/
Phone: (07) 3520 8698
Email: info@360mortgagesolutions.com.au
Instagram: [Instagram handle]
Facebook: [Facebook page]

About Maryanne Elliott: Maryanne is the founder of 360 Mortgage Solutions and has worked in the finance industry since 2005. With experience as a bank teller, branch manager, portfolio manager, home lender, and trainer, she launched 360 Mortgage Solutions in late 2016 and The First Home Owners Program in late 2017 to help Australians navigate the complex journey to homeownership.Keywords: first home buyer, hidden property costs, stamp duty, lenders mortgage insurance, mortgage broker, home loan fees, property purchase expenses, Queensland first home buyer, settlement costs, building inspection
Episode Transcript:
INTRO: Welcome to The First Home Owners Program Podcast! I'm Maryanne Elliott from 360 Mortgage Solutions, and today we're pulling back the curtain on something that catches many first-time buyers by surprise – the hidden costs of buying a property. Those expenses beyond the deposit that can quickly add thousands to your budget. But don't worry – by the end of this episode, you'll know exactly what to expect and how a broker can help you navigate these financial surprises.
SECTION 1: BEYOND THE DEPOSIT When most people think about buying their first home, they focus almost exclusively on saving for the deposit. And while that's certainly important, it's just the beginning of your financial commitment.Let's break down some of these hidden costs:First, there's stamp duty – a government tax that varies by state and property value. In Queensland, for a $500,000 property, this could be around $8,750, though first home buyers may qualify for concessions.Then there are loan application and establishment fees. Depending on your lender, these can range from $200 to over $1,000.Don't forget lenders mortgage insurance or LMI. If your deposit is less than 20%, you'll likely need to pay this, which can add thousands to your costs.Legal and conveyancing fees typically range from $800 to $2,000 for a standard property purchase.Building and pest inspections are essential and typically cost between $400 and $600 combined.
SECTION 2: AFTER SETTLEMENT COSTS But wait – there's more! After you get the keys, you'll face:Moving costs, which can range from a few hundred dollars if you're doing it yourself to several thousand for professional movers.Council rates and body corporate fees if applicable.Home and contents insurance – a must-have that many first-time buyers underestimate.And don't forget about immediate repairs or renovations. That peeling wallpaper or outdated bathroom you planned to "fix later" might become an urgent priority once you move in.
SECTION 3: THE BROKER ADVANTAGE This is where working with a mortgage broker becomes invaluable. At 360 Mortgage Solutions, we don't just help you find the right loan – we provide a comprehensive cost estimate tailored to your specific situation.As your broker, I'll:Create a detailed breakdown of all government charges specific to your property and situation.Calculate your exact stamp duty, including any first home buyer concessions you might be eligible for.Estimate all lender fees and charges, helping you compare the true cost of different loan options.Provide a settlement cost estimate that includes legal fees, adjustments, and transfer costs.Factor in post-settlement expenses like insurance and moving costs to give you a complete financial picture.The result? No nasty surprises and a clear understanding of exactly how much you need to budget beyond your deposit.
SECTION 4: REAL CLIENT EXAMPLE Let me share a quick story about a couple I worked with recently. James and Emma had diligently saved a $50,000 deposit for their first home. They were looking at properties around $500,000 and thought they were ready to go.When we sat down for their initial consultation, I created a comprehensive cost estimate. They were shocked to discover they needed an additional $15,000 to cover all the associated costs! Rather than being discouraged, they were grateful to know this before falling in love with a property they couldn't afford.We adjusted their search criteria slightly, found them a lovely property that fit their true budget, and they moved in three months later – with no financial stress or unexpected bills.
CONCLUSION: Understanding the full financial picture of buying a home isn't just about avoiding stress – it's about making informed decisions that set you up for long-term success. As a mortgage broker, providing these detailed cost estimates is one of the most valuable services I offer my clients.If you're starting your home buying journey, book a free 15-minute call with me, and let's make sure you're prepared for every cost along the way – not just the obvious ones.Until next time, this is Maryanne Elliott from The First Home Owners Program Podcast, helping you navigate the path to homeownership with confidence.]]>https://api.spreaker.com/episode/66243640Thu, 12 Jun 2025 21:35:07 +0000Maryanne ElliottDescription: In this eye-opening episode of The First Home Owners Program Podcast, host Maryanne Elliott reveals the often-overlooked costs of buying your first property. Learn why your deposit is just the beginning and how working with a mortgage...

The major upfront costs beyond your deposit that first home buyers frequently underestimate

Post-settlement expenses that can strain your budget if not properly planned for

How mortgage brokers provide comprehensive cost estimates tailored to your specific situation

Real-life example of how proper cost planning prevented financial stress for first-time buyers

Queensland-specific information on stamp duty and first home buyer concessions

Resources Mentioned:

First Home Buyers online course: [link to course]
Free 15-minute strategy call: https://calendly.com/360mortgagesolutions
Home Buying Cost Calculator: [link to resource]
First Home Owner Grant information: [link to resource]

Connect with 360 Mortgage Solutions:

Website: https://360mortgagesolutions.com.au/
Phone: (07) 3520 8698
Email: info@360mortgagesolutions.com.au
Instagram: [Instagram handle]
Facebook: [Facebook page]

The three most common fears first home buyers face and why they're holding you back

The hidden financial cost of waiting for the "perfect time" to enter the market

Practical strategies to build confidence in your home buying journey

Real success stories from clients who overcame property market anxiety

How to determine if you're actually closer to buying than you think

Resources Mentioned:

First Home Buyers online course: [link to course]
Free 15-minute strategy call: https://calendly.com/360mortgagesolutions
Budget assessment worksheet: [link to resource]

Connect with 360 Mortgage Solutions:

Website: https://360mortgagesolutions.com.au/
Phone: (07) 3520 8698
Email: info@360mortgagesolutions.com.au
Instagram: [Instagram handle]
Facebook: [Facebook page]

About Maryanne Elliott: Maryanne is the founder of 360 Mortgage Solutions and has worked in the finance industry since 2005. With experience as a bank teller, branch manager, portfolio manager, home lender, and trainer, she launched The First Home Buyers Program in 2017 to help Australians navigate the complex journey to homeownership.Keywords: first home buyer, property market fear, mortgage anxiety, home loan approval, property investment, first property purchase, Australian housing market, mortgage broker, home buying tips

Episode Transcript:
INTRO: Welcome to The First Home Buyers Program! I'm Maryanne Elliott from 360 Mortgage Solutions, and today we're tackling something that stops so many potential homeowners in their tracks – fear. That paralyzing feeling that keeps you scrolling through property listings but never taking action. Let's break down these fears and get you moving toward homeownership.SECTION 1: NAMING THE FEARS The first step to conquering any fear is acknowledging it. For first home buyers, these typically fall into three categories:"What if I can't afford it?" This is the big one – the fear of overcommitting financially."What if property prices crash after I buy?" Nobody wants to make the biggest purchase of their life only to see its value drop."What if I'm rejected for a loan?" The fear of putting yourself out there only to hear "no" can be devastating.Sound familiar? You're not alone. In my 20 years in finance, I've seen these same fears hold back countless potential homeowners – people who are now happily living in their own homes.
SECTION 2: THE COST OF FEAR Here's what many don't realize – fear itself has a cost. While you're waiting for the "perfect time" to enter the market:Rent payments continue to build someone else's wealth instead of your own. Property prices in many areas continue to rise, potentially outpacing your savings. You're missing out on years of potential capital growth and stability.I've seen clients wait years for the "perfect moment" only to find themselves priced out of neighborhoods they once could have afforded.
SECTION 3: PRACTICAL FEAR-BUSTING STRATEGIES So how do we move past these fears? Let me share some practical strategies:First, get educated. Understanding the process removes the mystery. That's exactly why we created our First Home Buyers course – to demystify the journey.Second, start with a realistic budget assessment. Knowing exactly what you can afford puts you in control. This isn't about stretching to your absolute maximum, but finding a comfortable position.Third, consider a stepping stone approach. Your first home doesn't need to be your forever home. Sometimes a unit, townhouse, or home in a developing area can be your entry point.Finally, work with professionals who understand your situation. A good mortgage broker – and I might be biased here – can guide you through pre-approval, helping you understand your borrowing capacity before you fall in love with properties.
SECTION 4: CLIENT SUCCESS STORY Let me share a quick story about Sarah and Michael. They came to me last year, convinced they were at least two years away from buying. They had decent savings but were paralyzed by fear of the unknown.After working through their finances, we discovered they were actually in a position to buy now – they just needed the right loan structure. Six weeks later, they had their keys. The fear they'd carried for years dissolved once they had clear information and a supportive team.
CONCLUSION: Remember, fear thrives in uncertainty. The antidote is information, preparation, and support. If you're feeling stuck, reach out for a 15-minute strategy call. Sometimes that first conversation is all it takes to transform fear into excitement.Until next time, this is Maryanne Elliott from The First Home Buyers Program, helping you turn your homeownership dreams into reality.]]>https://api.spreaker.com/episode/66243347Thu, 05 Jun 2025 23:20:07 +0000Maryanne ElliottOvercoming First Home Buyer Fear: Your Guide to Taking the Property PlungeDescription: In this episode of The First Home Buyers Program, host Maryanne Elliott tackles the biggest obstacle preventing potential homeowners from entering the market –...

The three most common fears first home buyers face and why they're holding you back

The hidden financial cost of waiting for the "perfect time" to enter the market

Practical strategies to build confidence in your home buying journey

Real success stories from clients who overcame property market anxiety

How to determine if you're actually closer to buying than you think

Resources Mentioned:

First Home Buyers online course: [link to course]
Free 15-minute strategy call: https://calendly.com/360mortgagesolutions
Budget assessment worksheet: [link to resource]

Connect with 360 Mortgage Solutions:

Website: https://360mortgagesolutions.com.au/
Phone: (07) 3520 8698
Email: info@360mortgagesolutions.com.au
Instagram: [Instagram handle]
Facebook: [Facebook page]

About Maryanne Elliott: Maryanne is the founder of 360 Mortgage Solutions and has worked in the finance industry since 2005. With experience as a bank teller, branch manager, portfolio manager, home lender, and trainer, she launched The First Home Buyers Program in 2017 to help Australians navigate the complex journey to homeownership.Keywords: first home buyer, property market fear, mortgage anxiety, home loan approval, property investment, first property purchase, Australian housing market, mortgage broker, home buying tips

Episode Transcript:
INTRO: Welcome to The First Home Buyers Program! I'm Maryanne Elliott from 360 Mortgage Solutions, and today we're tackling something that stops so many potential homeowners in their tracks – fear. That paralyzing feeling that keeps you scrolling through property listings but never taking action. Let's break down these fears and get you moving toward homeownership.SECTION 1: NAMING THE FEARS The first step to conquering any fear is acknowledging it. For first home buyers, these typically fall into three categories:"What if I can't afford it?" This is the big one – the fear of overcommitting financially."What if property prices crash after I buy?" Nobody wants to make the biggest purchase of their life only to see its value drop."What if I'm rejected for a loan?" The fear of putting yourself out there only to hear "no" can be devastating.Sound familiar? You're not alone. In my 20 years in finance, I've seen these same fears hold back countless potential homeowners – people who are now happily living in their own homes.
SECTION 2: THE COST OF FEAR Here's what many don't realize – fear itself has a cost. While you're waiting for the "perfect time" to enter the market:Rent payments continue to build someone else's wealth instead of your own. Property prices in many areas continue to rise, potentially outpacing your savings. You're missing out on years of potential capital growth and stability.I've seen clients wait years for the "perfect moment" only to find themselves priced out of neighborhoods they once could have afforded.
SECTION 3: PRACTICAL FEAR-BUSTING STRATEGIES So how do we move past these fears? Let me share some practical strategies:First, get educated. Understanding the process removes the mystery. That's exactly why we created our First Home Buyers course – to demystify the journey.Second, start with a realistic budget assessment. Knowing exactly what you can...]]>272firsthome,homebuyer,househunterfalsefullEpisode 97 - Building & Pest with Les from Resi Inspectionshttps://www.spreaker.com/episode/episode-97-building-pest-with-les-from-resi-inspections--65695085

What a building and pest inspection actually includes

Why it’s essential for every property, even brand-new builds

Common issues first home buyers should look out for

Real-life horror stories that show just how valuable a good inspection can be

🎧 This episode is all about protecting your biggest investment before you sign on the dotted line. 📞 Want to connect with Les? You can find him at https://www.resii.com.au/

#FirstHomeBuyerPodcast #BuildingAndPest #PropertyInspections #ResiInspections #FirstHomeTips #HomeBuyingJourney]]>https://api.spreaker.com/episode/65695085Fri, 30 May 2025 06:00:08 +0000Maryanne ElliottIn this episode of The First Home Buyers Program Podcast, we sit down with Les from Resi Inspections to unpack one of the most important—but often overlooked—steps in the home buying journey: the building and pest inspection. You'll learn: - What a...

What a building and pest inspection actually includes

Why it’s essential for every property, even brand-new builds

Common issues first home buyers should look out for

Real-life horror stories that show just how valuable a good inspection can be

🎧 This episode is all about protecting your biggest investment before you sign on the dotted line. 📞 Want to connect with Les? You can find him at https://www.resii.com.au/

#FirstHomeBuyerPodcast #BuildingAndPest #PropertyInspections #ResiInspections #FirstHomeTips #HomeBuyingJourney]]>733falsefullEpisode 96 - Rentvesting with Janet from Capstone Property Solutionshttps://www.spreaker.com/episode/episode-96-rentvesting-with-janet-from-capstone-property-solutions--65694996

What rentvesting is and how it works

Who it’s best suited for (and who it’s not right for)

The financial pros and cons to consider before jumping in

Real examples of how first home buyers are using this strategy to build wealth and get into the market sooner

📌 Janet also shares practical tips on how to choose the right investment property while renting in your ideal location. 🎧 If buying where you want to live feels out of reach—this episode is a must-listen. #FirstHomeBuyerPodcast #Rentvesting #CapstonePropertySolutions #FirstHomeJourney #PropertyTips #InvestingSmart #RentWhereYouLoveBuyWhereYouCanAfford]]>https://api.spreaker.com/episode/65694996Fri, 23 May 2025 05:50:07 +0000Maryanne Elliott📝 Show Notes – Episode 2: Rentvesting with Janet from Capstone Property Solutions In this episode, I sit down with Janet from Capstone Property Solutions, who shares her knowledge around one of the most flexible and creative strategies for first home...

What rentvesting is and how it works

Who it’s best suited for (and who it’s not right for)

The financial pros and cons to consider before jumping in

Real examples of how first home buyers are using this strategy to build wealth and get into the market sooner

📌 Janet also shares practical tips on how to choose the right investment property while renting in your ideal location. 🎧 If buying where you want to live feels out of reach—this episode is a must-listen. #FirstHomeBuyerPodcast #Rentvesting #CapstonePropertySolutions #FirstHomeJourney #PropertyTips #InvestingSmart #RentWhereYouLoveBuyWhereYouCanAfford]]>392falsefullEpisode 95 - What Every First Home Buyer Needs to Knowhttps://www.spreaker.com/episode/episode-95-what-every-first-home-buyer-needs-to-know--65694906

What the home buying journey really looks like (step-by-step)
Why getting loan-ready before you fall in love with a property is a game changer
The most common mistakes first home buyers make—and how to avoid them
Where grants, schemes, and your deposit fit into the big picture

📌 This episode sets the stage for the rest of the series, where you’ll hear from the experts I trust—covering everything from legal tips to building checks and everything in between. 🎧 Listen in and start your journey with the clarity and confidence you deserve.]]>https://api.spreaker.com/episode/65694906Fri, 16 May 2025 05:45:06 +0000Maryanne ElliottIn this episode, I walk you through the essentials every first home buyer should understand before they jump into the market. Whether you're months away from buying or just getting started with saving a deposit, this is your foundation. You'll learn:...

What the home buying journey really looks like (step-by-step)
Why getting loan-ready before you fall in love with a property is a game changer
The most common mistakes first home buyers make—and how to avoid them
Where grants, schemes, and your deposit fit into the big picture

📌 This episode sets the stage for the rest of the series, where you’ll hear from the experts I trust—covering everything from legal tips to building checks and everything in between. 🎧 Listen in and start your journey with the clarity and confidence you deserve.]]>899falsefullEpisode 94 - All Things Property with Chris Liu – Part 2https://www.spreaker.com/episode/episode-94-all-things-property-with-chris-liu-part-2--65688673

How to make a competitive offer (without overpaying)

What agents really look for in a buyer

What happens after your offer is accepted

How to avoid common pitfalls that could delay your settlement

🛠️ Resources Mentioned:

Chris Liu Real Estate: https://chrisliure.eview.com.au/
First Home Buyers Program Online Course:https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page

🎯 Want to feel more confident buying your first home? Check out our full program designed to walk you through every step of the journey.]]>https://api.spreaker.com/episode/65688673Thu, 08 May 2025 23:30:06 +0000Maryanne ElliottWe’re back with Part 2 of our conversation with Chris Liu from #, and this episode is all about strategy for first home buyers. In this follow-up chat, we go deeper into the practical side of buying your first home—from making a strong offer to...

How to make a competitive offer (without overpaying)

What agents really look for in a buyer

What happens after your offer is accepted

How to avoid common pitfalls that could delay your settlement

🛠️ Resources Mentioned:

Chris Liu Real Estate: https://chrisliure.eview.com.au/
First Home Buyers Program Online Course:https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page

🎯 Want to feel more confident buying your first home? Check out our full program designed to walk you through every step of the journey.]]>735falsefullEpisode 93 - All Things Property with Chris Liu – Part 1https://www.spreaker.com/episode/episode-93-all-things-property-with-chris-liu-part-1--65688667

What’s really happening in the property market right now

How to know if a property is a good first purchase

Common mistakes first home buyers make (and how to avoid them)

Chris’s advice for buyers feeling overwhelmed or unsure

🛠️ Resources Mentioned:

Chris Liu Real Estate: https://chrisliure.eview.com.au/
Free First Home Buyers Mini Course: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page

🔔 Don’t forget to subscribe and leave a review if you found this helpful!]]>https://api.spreaker.com/episode/65688667Thu, 01 May 2025 23:30:11 +0000Maryanne ElliottIn this episode of The First Home Buyer Program Podcast, we sit down with Chris Liu from # to talk all things property—specifically through the lens of first home buyers. Chris shares his expert insights into the current Australian property market,...

What’s really happening in the property market right now

How to know if a property is a good first purchase

Common mistakes first home buyers make (and how to avoid them)

Chris’s advice for buyers feeling overwhelmed or unsure

🛠️ Resources Mentioned:

Chris Liu Real Estate: https://chrisliure.eview.com.au/
Free First Home Buyers Mini Course: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page

🔔 Don’t forget to subscribe and leave a review if you found this helpful!]]>673falsefullEpisode 92 - The Money Mindset Shift That Will Help You Save Fasterhttps://www.spreaker.com/episode/episode-92-the-money-mindset-shift-that-will-help-you-save-faster--65376835What if the biggest thing holding you back from saving for your first home… wasn’t your income or your expenses, but your mindset? In this episode, Maryanne dives into the powerful connection between your thoughts and your bank account. You’ll learn how the way you think about money directly influences your ability to save—and how a few simple shifts can help you build momentum, stay motivated, and move toward your first home faster than you thought possible. What You’ll Learn:

The difference between scarcity and abundance mindset
Why your beliefs about money can sabotage your savings efforts
How to reframe your thoughts from “I can’t save” to “How can I save?”
A real-life example of a client who changed their mindset and saw amazing results
How to start thinking like someone who’s ready to buy their first home

Links & Resources:
💡 Want to take this mindset shift even further? Join the Money Magnet course—designed specifically to help first home buyers build their deposit with clarity and confidence. Check it out here Let’s Stay Connected:
📲 Follow @360mortgagesolutions on Instagram for more tips and inspiration
🎧 Don’t forget to subscribe so you never miss an episode
🌟 Love the podcast? Leave a review—it helps other first home buyers find us and feel supported on their journey]]>https://api.spreaker.com/episode/65376835Fri, 25 Apr 2025 00:00:08 +0000Maryanne ElliottDescription: What if the biggest thing holding you back from saving for your first home… wasn’t your income or your expenses, but your mindset? In this episode, Maryanne dives into the powerful connection between your thoughts and your bank account....What if the biggest thing holding you back from saving for your first home… wasn’t your income or your expenses, but your mindset? In this episode, Maryanne dives into the powerful connection between your thoughts and your bank account. You’ll learn how the way you think about money directly influences your ability to save—and how a few simple shifts can help you build momentum, stay motivated, and move toward your first home faster than you thought possible. What You’ll Learn:

The difference between scarcity and abundance mindset
Why your beliefs about money can sabotage your savings efforts
How to reframe your thoughts from “I can’t save” to “How can I save?”
A real-life example of a client who changed their mindset and saw amazing results
How to start thinking like someone who’s ready to buy their first home

Why budgets often go out the window (and it’s not your fault!)

The #1 thing most people forget to include in their budget

Simple strategies to stay consistent—even when unexpected expenses pop up

A personal story of how one small change helped a client finally stay on budget

Why budgets often go out the window (and it’s not your fault!)

The #1 thing most people forget to include in their budget

Simple strategies to stay consistent—even when unexpected expenses pop up

A personal story of how one small change helped a client finally stay on budget

Links & Resources:
💬 Got a budgeting win or challenge you want to share? DM Maryanne on Instagram @360mortgagesolutions – she’d love to hear from you!
👉 Curious about how to save smarter for your first home? Check out the Money Magnet course here: Click to learn more Let’s Stay Connected:
📲 Follow us on Instagram for tips, tools, and first home inspo
🎧 Subscribe so you don’t miss next week’s episode
🌟 If this helped you, leave a quick review—it really helps others find us!]]>396falsefullEpisode 90: The Secret to Creating a Budget That Works (Without Hating It)https://www.spreaker.com/episode/episode-90-the-secret-to-creating-a-budget-that-works-without-hating-it--65376704Let’s be honest—budgeting has a bit of a bad reputation. But what if it didn’t have to feel restrictive, overwhelming, or just plain boring? In this episode, Maryanne shares a practical and super simple way to create a budget that actually works for your life (and doesn’t make you want to give up after week one). Whether you’ve tried budgeting before or you’re starting from scratch, this episode will help you build a plan that feels doable—and still leaves room for the things you love. What You’ll Learn:

Why most people struggle with traditional budgets
The key ingredients of a flexible, realistic budget
How to start with your current spending and tweak it (instead of reinventing the wheel)
The 50/30/20 rule explained in real-world terms
A personal story of a client who went from hating budgets to loving their results

Links & Resources:
📝 Want a free budgeting template to get started? Head over to https://maryanne-elliott.mykajabi.com/signup
💡 Ready to save smarter and build your deposit? Check out the Money Magnet course here: Click to learn more Let’s Stay Connected:
📲 Follow us on Instagram for bite-sized tips and daily motivation
🎧 Subscribe so you don’t miss upcoming episodes
🌟 If this episode helped shift your mindset around budgeting, leave a quick review—it means the world!]]>https://api.spreaker.com/episode/65376704Fri, 11 Apr 2025 01:35:07 +0000Maryanne ElliottDescription: Let’s be honest—budgeting has a bit of a bad reputation. But what if it didn’t have to feel restrictive, overwhelming, or just plain boring? In this episode, Maryanne shares a practical and super simple way to create a budget that...Let’s be honest—budgeting has a bit of a bad reputation. But what if it didn’t have to feel restrictive, overwhelming, or just plain boring? In this episode, Maryanne shares a practical and super simple way to create a budget that actually works for your life (and doesn’t make you want to give up after week one). Whether you’ve tried budgeting before or you’re starting from scratch, this episode will help you build a plan that feels doable—and still leaves room for the things you love. What You’ll Learn:

Why most people struggle with traditional budgets
The key ingredients of a flexible, realistic budget
How to start with your current spending and tweak it (instead of reinventing the wheel)
The 50/30/20 rule explained in real-world terms
A personal story of a client who went from hating budgets to loving their results

Links & Resources:
📝 Want a free budgeting template to get started? Head over to https://maryanne-elliott.mykajabi.com/signup
💡 Ready to save smarter and build your deposit? Check out the Money Magnet course here: Click to learn more Let’s Stay Connected:
📲 Follow us on Instagram for bite-sized tips and daily motivation
🎧 Subscribe so you don’t miss upcoming episodes
🌟 If this episode helped shift your mindset around budgeting, leave a quick review—it means the world!]]>548falsefullEpisode 89 - Why saving feels so hard (and how to change that)https://www.spreaker.com/episode/episode-89-why-saving-feels-so-hard-and-how-to-change-that--65205504The First Home Buyers Program Podcast – with Maryanne Elliott
Description:
Saving for your first home deposit can feel impossible—especially when life keeps throwing expenses your way and your social feed is filled with everyone else’s holidays, dinners, and purchases. In this episode, Maryanne breaks down the real reasons saving feels so hard (hint: it's not just about money), and how you can start shifting your mindset to make saving feel achievable, even exciting. What You'll Learn:

Why FOMO, unclear goals, and old money beliefs make saving harder
How to reframe saving as an opportunity, not a sacrifice
A simple mindset shift to help you feel more in control
A real story of someone who turned their savings struggle into success

Why FOMO, unclear goals, and old money beliefs make saving harder
How to reframe saving as an opportunity, not a sacrifice
A simple mindset shift to help you feel more in control
A real story of someone who turned their savings struggle into success

Links & Resources:
👉 Got a question or just want to share your biggest money challenge?
DM Maryanne on Instagram @360mortgagesolutions or leave a comment!
👉 Want to go deeper? Check out the Money Magnet course: Click here
Let’s Stay Connected:
💬 Share this episode with a friend who needs to hear it
📲 Follow us on Instagram for tips and inspiration
⭐️ Don’t forget to subscribe, rate & review if you loved this episode!]]>647falsefullEpisode 88 - First Home Buyer Secrets: Refinancing Without the Hidden Traphttps://www.spreaker.com/episode/episode-88-first-home-buyer-secrets-refinancing-without-the-hidden-trap--64552850
👉 Not sure how much you should be repaying? No problem! Jump onto the Loan Repayment Calculator at 360 Mortgage Solutions.
It’ll show you what your repayments should be so that you don’t accidentally end up paying a fortune in extra interest.[Wrap-Up]Refinancing can be a great way to save money, but only if you do it right!

Remember to check your loan term, adjust your repayments, and stay ahead.

And if you’re not sure where to start, book a fee-free meeting with the 360 Mortgage Solutions team—we’ll help you get the best deal without falling into the refinancing trap!🔗 Book a meeting today!]]>https://api.spreaker.com/episode/64552850Fri, 28 Mar 2025 01:55:07 +0000Maryanne ElliottThis week we cover off on something that wont seem important now but trust me when I say, future you will be so glad you listen to this.... 👉 Not sure how much you should be repaying? No problem! Jump onto the Loan Repayment Calculator...
👉 Not sure how much you should be repaying? No problem! Jump onto the Loan Repayment Calculator at 360 Mortgage Solutions.
It’ll show you what your repayments should be so that you don’t accidentally end up paying a fortune in extra interest.[Wrap-Up]Refinancing can be a great way to save money, but only if you do it right!

Remember to check your loan term, adjust your repayments, and stay ahead.

And if you’re not sure where to start, book a fee-free meeting with the 360 Mortgage Solutions team—we’ll help you get the best deal without falling into the refinancing trap!🔗 Book a meeting today!]]>181homeloan,loanterm,savemoneyfalsefullEpisode 87 - Part two A First Home Buyer’s Guide with Fern Walcotthttps://www.spreaker.com/episode/episode-87-part-two-a-first-home-buyer-s-guide-with-fern-walcott--64534949
That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.
As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process.
Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes.

What You’ll Learn in This Episode In this must-listen two-part podcast series, we cover:
✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.
✅ How a buyer’s agent can give you an advantage – What they do and why it matters.
✅ Common mistakes first home buyers make – And how to avoid them.
✅ Negotiation tactics – How to secure the best deal on your dream home.
✅ Off-market properties – How to access hidden opportunities most buyers never see.

Why Work with a Buyer’s Agent? If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:
🔹 Save you time by handling the research and inspections.
🔹 Save you money by negotiating the best price and terms.
🔹 Reduce stress by providing unbiased advice and strategic support. Listen Now!]]>https://api.spreaker.com/episode/64534949Fri, 21 Mar 2025 02:55:07 +0000Maryanne ElliottBuying your first home is one of the biggest financial decisions you’ll ever make. With so much information (and misinformation) out there, it’s easy to feel overwhelmed. That’s why in our latest two-part podcast series, we sat down with Fern Walcott...
That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.
As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process.
Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes.

What You’ll Learn in This Episode In this must-listen two-part podcast series, we cover:
✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.
✅ How a buyer’s agent can give you an advantage – What they do and why it matters.
✅ Common mistakes first home buyers make – And how to avoid them.
✅ Negotiation tactics – How to secure the best deal on your dream home.
✅ Off-market properties – How to access hidden opportunities most buyers never see.

Why Work with a Buyer’s Agent? If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:
🔹 Save you time by handling the research and inspections.
🔹 Save you money by negotiating the best price and terms.
🔹 Reduce stress by providing unbiased advice and strategic support. Listen Now!]]>420buyersagent,firsthome,homebuyingfalsefullEpisode 86 - Part one A First Home Buyer’s Guide with Fern Walcotthttps://www.spreaker.com/episode/episode-86-part-one-a-first-home-buyer-s-guide-with-fern-walcott--64534933
That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.
As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process. Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes.

What You’ll Learn in This Episode In this must-listen two-part podcast series, we cover:
✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.
✅ How a buyer’s agent can give you an advantage – What they do and why it matters.
✅ Common mistakes first home buyers make – And how to avoid them.
✅ Negotiation tactics – How to secure the best deal on your dream home.
✅ Off-market properties – How to access hidden opportunities most buyers never see.

Why Work with a Buyer’s Agent? If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:
🔹 Save you time by handling the research and inspections.
🔹 Save you money by negotiating the best price and terms.
🔹 Reduce stress by providing unbiased advice and strategic support. ]]>https://api.spreaker.com/episode/64534933Thu, 13 Mar 2025 22:55:07 +0000Maryanne ElliottBuying your first home is one of the biggest financial decisions you’ll ever make. With so much information (and misinformation) out there, it’s easy to feel overwhelmed. That’s why in our latest two-part podcast series, we sat down with Fern Walcott...
That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.
As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process. Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes.

What You’ll Learn in This Episode In this must-listen two-part podcast series, we cover:
✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.
✅ How a buyer’s agent can give you an advantage – What they do and why it matters.
✅ Common mistakes first home buyers make – And how to avoid them.
✅ Negotiation tactics – How to secure the best deal on your dream home.
✅ Off-market properties – How to access hidden opportunities most buyers never see.

Why Work with a Buyer’s Agent? If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:
🔹 Save you time by handling the research and inspections.
🔹 Save you money by negotiating the best price and terms.
🔹 Reduce stress by providing unbiased advice and strategic support. ]]>482buyersagent,buyingahome,firsthomefalsefullEpisode 85 - Buying Your First Home When You’re Self-Employed – Part 2https://www.spreaker.com/episode/episode-85-buying-your-first-home-when-you-re-self-employed-part-2--64506709Welcome back to Part 2 of our conversation with Phillip Knowles, where we continue unpacking everything self-employed first home buyers need to know!In this episode, we go beyond the basics and dive into the practical strategies that can make your home loan application stronger, plus some alternative lending options for those who don’t meet traditional requirements.

✅ How to structure your finances to make borrowing easier
✅ Why keeping business and personal finances separate is a game-changer
✅ Alternative lending options if you don’t meet standard bank criteria
✅ The role of a commercial broker in securing a home loan for business ownersIf you’re self-employed and dreaming of buying your first home, this episode is packed with valuable insights to help you get there.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:

Book a free chat with us: Book here
Follow us on Instagram/Facebook

💡 Enjoyed this two-part series? Hit follow so you never miss an episode! If you found this helpful, share it with a fellow business owner who’s thinking about buying their first home. 🚀]]>https://api.spreaker.com/episode/64506709Thu, 06 Mar 2025 22:10:08 +0000Maryanne Elliott🎙 Episode Summary: Welcome back to Part 2 of our conversation with Phillip Knowles, where we continue unpacking everything self-employed first home buyers need to know!In this episode, we go beyond the basics and dive into the practical strategies...Welcome back to Part 2 of our conversation with Phillip Knowles, where we continue unpacking everything self-employed first home buyers need to know!In this episode, we go beyond the basics and dive into the practical strategies that can make your home loan application stronger, plus some alternative lending options for those who don’t meet traditional requirements.

✅ How to structure your finances to make borrowing easier
✅ Why keeping business and personal finances separate is a game-changer
✅ Alternative lending options if you don’t meet standard bank criteria
✅ The role of a commercial broker in securing a home loan for business ownersIf you’re self-employed and dreaming of buying your first home, this episode is packed with valuable insights to help you get there.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:

Book a free chat with us: Book here
Follow us on Instagram/Facebook

💡 Enjoyed this two-part series? Hit follow so you never miss an episode! If you found this helpful, share it with a fellow business owner who’s thinking about buying their first home. 🚀]]>714firsthomebuyer,selfemployedfalsefullEpisode 84 - Buying Your First Home When You’re Self-Employed – Part 1https://www.spreaker.com/episode/episode-84-buying-your-first-home-when-you-re-self-employed-part-1--64506659Are you self-employed and wondering if buying your first home is even possible? In this special two-part episode of The First Home Buyer Program Podcast, I sit down with [Guest’s Name], a finance broker who specializes in commercial lending for self-employed clients.We dive into the biggest challenges self-employed first home buyers face, how lenders assess business income, and what you can do NOW to set yourself up for home loan success.
✅ What lenders look for when assessing self-employed applicants
✅ Why your taxable income matters more than your total revenue
✅ The common mistakes self-employed buyers make (and how to avoid them)
✅ Steps you can take TODAY to improve your home loan chancesThis is Part 1 of our deep dive, so be sure to tune in next week for Part 2, where we’ll explore the best loan options for self-employed first home buyers and alternative lending solutions.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:

Book a free chat with us: Book here
Follow us on Instagram/Facebook

💡 Enjoying the podcast? Don’t forget to subscribe and leave a review—it helps more first home buyers like you!
]]>https://api.spreaker.com/episode/64506659Thu, 27 Feb 2025 22:00:07 +0000Maryanne Elliott🎙 Episode Summary: Are you self-employed and wondering if buying your first home is even possible? In this special two-part episode of The First Home Buyer Program Podcast, I sit down with [Guest’s Name], a finance broker who specializes in commercial...Are you self-employed and wondering if buying your first home is even possible? In this special two-part episode of The First Home Buyer Program Podcast, I sit down with [Guest’s Name], a finance broker who specializes in commercial lending for self-employed clients.We dive into the biggest challenges self-employed first home buyers face, how lenders assess business income, and what you can do NOW to set yourself up for home loan success.
✅ What lenders look for when assessing self-employed applicants
✅ Why your taxable income matters more than your total revenue
✅ The common mistakes self-employed buyers make (and how to avoid them)
✅ Steps you can take TODAY to improve your home loan chancesThis is Part 1 of our deep dive, so be sure to tune in next week for Part 2, where we’ll explore the best loan options for self-employed first home buyers and alternative lending solutions.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:

Book a free chat with us: Book here
Follow us on Instagram/Facebook

💡 Enjoying the podcast? Don’t forget to subscribe and leave a review—it helps more first home buyers like you!
]]>807buyingahouse,firsthome,selfemployedfalsefullEpisode 83 - How Much Deposit Do You Actually Need?https://www.spreaker.com/episode/episode-83-how-much-deposit-do-you-actually-need--64487343
You might be wondering how much deposit you actually need to get started. In this episode, we break down the deposit requirements, how lenders assess your savings, and the different government schemes that can help you buy with as little as 5%.

Key Takeaways:

The difference between a 20%, 10%, and 5% deposit
How Lenders Mortgage Insurance (LMI) impacts your deposit
Government schemes that help reduce your upfront costs
Hidden expenses you should budget for

🔗 Resources Mentioned:

📢 Subscribe & Follow:

🎧 Subscribe on Apple Podcasts | Spotify | Google Podcasts
📸 Instagram: @360mortgagesolutions
📘 Facebook: https://www.facebook.com/360mortgagesolutions/

💬 Got questions? Send us a DM or book a chat—we’d love to help you get into your first home! 🚀]]>https://api.spreaker.com/episode/64487343Fri, 21 Feb 2025 03:07:47 +0000Maryanne Elliott📌 Episode Summary: Buying your first home? You might be wondering how much deposit you actually need to get started. In this episode, we break down the deposit requirements, how lenders assess your savings, and the different government schemes that...
You might be wondering how much deposit you actually need to get started. In this episode, we break down the deposit requirements, how lenders assess your savings, and the different government schemes that can help you buy with as little as 5%.

Key Takeaways:

The difference between a 20%, 10%, and 5% deposit
How Lenders Mortgage Insurance (LMI) impacts your deposit
Government schemes that help reduce your upfront costs
Hidden expenses you should budget for

🔗 Resources Mentioned:

📢 Subscribe & Follow:

🎧 Subscribe on Apple Podcasts | Spotify | Google Podcasts
📸 Instagram: @360mortgagesolutions
📘 Facebook: https://www.facebook.com/360mortgagesolutions/

💬 Got questions? Send us a DM or book a chat—we’d love to help you get into your first home! 🚀]]>320firsthome,grants,homebuyer,schemefalsefullEpisode 82 - How to Navigate Valentine’s Day on a Budget While Saving for a Homehttps://www.spreaker.com/episode/episode-82-how-to-navigate-valentine-s-day-on-a-budget-while-saving-for-a-home--64237528
Discover budget-friendly ideas to enjoy the day while staying on track to buy your first home.

Links: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx Explore

The First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx

Book a fee-free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/]]>https://api.spreaker.com/episode/64237528Fri, 14 Feb 2025 02:08:00 +0000Maryanne ElliottCelebrate love this Valentine’s Day without breaking the bank! Discover budget-friendly ideas to enjoy the day while staying on track to buy your first home. Links: Join the First Home Buyer Mini Course:...
Discover budget-friendly ideas to enjoy the day while staying on track to buy your first home.

Links: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx Explore

The First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx

Book a fee-free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/]]>220firsthome,homebuyerfalsefullEpisode 81 - Understanding Lenders Mortgage Insurance (LMI)https://www.spreaker.com/episode/episode-81-understanding-lenders-mortgage-insurance-lmi--64114559
Description: Lenders Mortgage Insurance (LMI) is often misunderstood by first home buyers. In this episode, we explain what LMI is, how much it costs, ways to avoid or reduce it, and whether it’s worth paying. If you’re looking to buy your first home, understanding LMI is crucial!

What we'll cover:
– Introduction to Lenders Mortgage Insurance (LMI)
– What is LMI and why do lenders require it?
– How much does LMI cost?
– Strategies to reduce or avoid LMI
– Is LMI worth paying?
– How to take the next step in your home buying journey

🔗 Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx
🔗 Enroll in The First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx
🔗 Book a free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/]]>https://api.spreaker.com/episode/64114559Thu, 06 Feb 2025 23:55:28 +0000Maryanne ElliottUnderstanding Lenders Mortgage Insurance (LMI) – A Must-Know for First Home Buyers Description: Lenders Mortgage Insurance (LMI) is often misunderstood by first home buyers. In this episode, we explain what LMI is, how much it costs, ways to avoid or...
Description: Lenders Mortgage Insurance (LMI) is often misunderstood by first home buyers. In this episode, we explain what LMI is, how much it costs, ways to avoid or reduce it, and whether it’s worth paying. If you’re looking to buy your first home, understanding LMI is crucial!

What we'll cover:
– Introduction to Lenders Mortgage Insurance (LMI)
– What is LMI and why do lenders require it?
– How much does LMI cost?
– Strategies to reduce or avoid LMI
– Is LMI worth paying?
– How to take the next step in your home buying journey

🔗 Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx
🔗 Enroll in The First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx
🔗 Book a free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/]]>301firsthome,homebuyer,newhomefalsefullEpisode 80 - Why a Fully Assessed Pre-Approval is Crucial for First Home Buyershttps://www.spreaker.com/episode/episode-80-why-a-fully-assessed-pre-approval-is-crucial-for-first-home-buyers--64067256
Join Me, as we break down real-life examples of first home buyers who faced unexpected delays due to incomplete pre-approvals—and how you can avoid making the same mistakes.
What You'll Learn in This Episode:
✅ The difference between a basic pre-approval and a fully assessed pre-approval
✅ How a government scheme requirement delayed one buyer's finance approval
✅ Why guarantor loans take longer and require extra preparation
✅ How skipping a full pre-approval can add unnecessary stress and pressure
✅ The best way to ensure a smooth home-buying journey

Why This Matters
A fully assessed pre-approval means your financials, tax returns, and liabilities are reviewed upfront, so you can confidently make an offer without last-minute surprises. Avoid finance delays, extension requests, and the stress of uncertainty—get pre-approved the right way.

Resources & Links:
🔗 Get in touch with 360 Mortgage Solutions for a fully assessed pre-approval: https://360mortgagesolutions.com.au/contact-us/
🔗 Subscribe to The First Home Buyers Program Podcast for expert advice every week!If you found this episode helpful, don’t forget to subscribe, rate, and share this podcast with anyone looking to buy their first home.
Until next time—happy house hunting! 🎉]]>https://api.spreaker.com/episode/64067256Fri, 31 Jan 2025 04:09:31 +0000Maryanne ElliottBuying your first home is an exciting milestone, but without the right preparation, it can quickly become a stressful experience. In this episode of The First Home Buyers Program Podcast, we dive into why a fully assessed pre-approval is essential...
Join Me, as we break down real-life examples of first home buyers who faced unexpected delays due to incomplete pre-approvals—and how you can avoid making the same mistakes.
What You'll Learn in This Episode:
✅ The difference between a basic pre-approval and a fully assessed pre-approval
✅ How a government scheme requirement delayed one buyer's finance approval
✅ Why guarantor loans take longer and require extra preparation
✅ How skipping a full pre-approval can add unnecessary stress and pressure
✅ The best way to ensure a smooth home-buying journey

Why This Matters
A fully assessed pre-approval means your financials, tax returns, and liabilities are reviewed upfront, so you can confidently make an offer without last-minute surprises. Avoid finance delays, extension requests, and the stress of uncertainty—get pre-approved the right way.

Resources & Links:
🔗 Get in touch with 360 Mortgage Solutions for a fully assessed pre-approval: https://360mortgagesolutions.com.au/contact-us/
🔗 Subscribe to The First Home Buyers Program Podcast for expert advice every week!If you found this episode helpful, don’t forget to subscribe, rate, and share this podcast with anyone looking to buy their first home.
Until next time—happy house hunting! 🎉]]>300falsefullEpisode 79 - Understanding the Two Pillars of Home Loans: Servicing and Security https://www.spreaker.com/episode/episode-79-understanding-the-two-pillars-of-home-loans-servicing-and-security--60808652We’ll explore:
• Servicing: What it is, why it matters, and how your income and expenses play a crucial role.
• Security: Why the property you’re buying is just as important as your financial situation.
• How lenders balance these two factors when deciding whether to approve your loan.
• Practical tips to improve your borrowing power and ensure the property you’re eyeing meets lending criteria.

By the end of this episode, you’ll have a solid understanding of how servicing and security work together, helping you make confident decisions as you take steps toward home ownership.
What You’ll Learn in This Episode:

What servicing means and how lenders calculate your ability to repay the loan.
2. The role of security in your loan application and what makes a property acceptable to lenders.
3. Common misconceptions about home loan approvals and how to avoid pitfalls.
4. Actionable tips to strengthen your financial profile before applying for a loan.

]]>https://api.spreaker.com/episode/60808652Thu, 23 Jan 2025 23:27:02 +0000Maryanne ElliottIn this episode of The First Home Buyers Program Podcast, we’re breaking down the two fundamental aspects of every home loan: servicing and security. If you’ve ever felt overwhelmed by the jargon or unsure how lenders assess your loan application,...We’ll explore:
• Servicing: What it is, why it matters, and how your income and expenses play a crucial role.
• Security: Why the property you’re buying is just as important as your financial situation.
• How lenders balance these two factors when deciding whether to approve your loan.
• Practical tips to improve your borrowing power and ensure the property you’re eyeing meets lending criteria.

By the end of this episode, you’ll have a solid understanding of how servicing and security work together, helping you make confident decisions as you take steps toward home ownership.
What You’ll Learn in This Episode:

What servicing means and how lenders calculate your ability to repay the loan.
2. The role of security in your loan application and what makes a property acceptable to lenders.
3. Common misconceptions about home loan approvals and how to avoid pitfalls.
4. Actionable tips to strengthen your financial profile before applying for a loan.

]]>300falsefullEpisode 78 - Are you a first home buyer feeling overwhelmed 🤔https://www.spreaker.com/episode/episode-78-are-you-a-first-home-buyer-feeling-overwhelmed--630532061️⃣ Know how much deposit or equity you need.
2️⃣ Speak to a mortgage broker early to plan your next steps.
3️⃣ Get a fully assessed pre-approval to approach house hunting with confidence.

💡 Join the waitlist for the FREE First Home Buyer Mini Course, launching this December, and get an exclusive bonus when it goes live!

🔗 Waitlist Link: https://maryanne-elliott.mykajabi.com/joinus

To book a time with us at 360 Mortgage Solutions head to - https://360mortgagesolutions.com.au/contact-us/

To find out more about Gurantor loans head to - https://youtu.be/2ZCl9bn6hDY
#FirstHomeBuyerTips #HomeLoanOverwhelm #FirstHomeJourney]]>https://api.spreaker.com/episode/63053206Thu, 16 Jan 2025 22:10:07 +0000Maryanne ElliottFeeling overwhelmed by the home loan process? In this episode, I break down three simple steps to help first home buyers eliminate stress and confusion: 1️⃣ Know how much deposit or equity you need. 2️⃣ Speak to a mortgage broker early to plan your...1️⃣ Know how much deposit or equity you need.
2️⃣ Speak to a mortgage broker early to plan your next steps.
3️⃣ Get a fully assessed pre-approval to approach house hunting with confidence.

💡 Join the waitlist for the FREE First Home Buyer Mini Course, launching this December, and get an exclusive bonus when it goes live!

🔗 Waitlist Link: https://maryanne-elliott.mykajabi.com/joinus

To book a time with us at 360 Mortgage Solutions head to - https://360mortgagesolutions.com.au/contact-us/

To find out more about Gurantor loans head to - https://youtu.be/2ZCl9bn6hDY
#FirstHomeBuyerTips #HomeLoanOverwhelm #FirstHomeJourney]]>90falsefullEpisode 77 - Top 5 Mistakes First Home Buyers Make and How to Avoid Themhttps://www.spreaker.com/episode/episode-77-top-5-mistakes-first-home-buyers-make-and-how-to-avoid-them--63634119
Learn why getting a fully assessed pre-approval is crucial, why going direct to your bank isn’t always the best option, and how to avoid underestimating the costs of buying your first home.
Plus, we’ll explore the importance of researching government grants and getting professional advice. Don’t let these common mistakes hold you back from buying your first home.

What You’ll Learn: Why a fully assessed pre-approval is a game-changer. How working with a broker can save you thousands. The hidden costs of buying your first home. Which government grants you might be eligible for. The importance of leaning on expert advice.

Links and Resources: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/offers/fAnpkt78 Subscribe for more episodes and tips!]]>https://api.spreaker.com/episode/63634119Fri, 10 Jan 2025 06:15:05 +0000Maryanne ElliottIn this episode of The First Home Buyers Program Podcast, we cover the Top 5 Mistakes First Home Buyers Make and How to Avoid Them. Learn why getting a fully assessed pre-approval is crucial, why going direct to your bank isn’t always the best...
Learn why getting a fully assessed pre-approval is crucial, why going direct to your bank isn’t always the best option, and how to avoid underestimating the costs of buying your first home.
Plus, we’ll explore the importance of researching government grants and getting professional advice. Don’t let these common mistakes hold you back from buying your first home.

What You’ll Learn: Why a fully assessed pre-approval is a game-changer. How working with a broker can save you thousands. The hidden costs of buying your first home. Which government grants you might be eligible for. The importance of leaning on expert advice.

Links and Resources: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/offers/fAnpkt78 Subscribe for more episodes and tips!]]>253falsefullEpisode 76 - Why 2025 Is the Year to Buy Your First Homehttps://www.spreaker.com/episode/episode-76-why-2025-is-the-year-to-buy-your-first-home--63621344Discover why 2025 is the best year to buy your first home! We dive into market trends, government incentives, and practical tools to help you take the first step toward owning your dream property. Don’t miss this episode, and don’t forget to check out our First Home Buyer Mini Course: maryanne-elliott.mykajabi.com/offers/fAnpkt78.Key Points:

Stabilized property prices make 2025 ideal for first home buyers.
Government grants can save you thousands.
Why waiting can cost you more in the long run.

Call to Action:
Join the First Home Buyer Mini Course today! Get started for free at maryanne-elliott.mykajabi.com/offers/fAnpkt78.
Book a time with us here https://360mortgagesolutions.com.au/contact-us/]]>https://api.spreaker.com/episode/63621344Fri, 10 Jan 2025 06:10:37 +0000Maryanne ElliottEpisode Title: Why 2025 Is the Year to Buy Your First HomeEpisode Description: Discover why 2025 is the best year to buy your first home! We dive into market trends, government incentives, and practical tools to help you take the first step toward...Discover why 2025 is the best year to buy your first home! We dive into market trends, government incentives, and practical tools to help you take the first step toward owning your dream property. Don’t miss this episode, and don’t forget to check out our First Home Buyer Mini Course: maryanne-elliott.mykajabi.com/offers/fAnpkt78.Key Points:

Stabilized property prices make 2025 ideal for first home buyers.
Government grants can save you thousands.
Why waiting can cost you more in the long run.

Call to Action:
Join the First Home Buyer Mini Course today! Get started for free at maryanne-elliott.mykajabi.com/offers/fAnpkt78.
Book a time with us here https://360mortgagesolutions.com.au/contact-us/]]>261firsthome,grants,homeloan,schemesfalsefullEpisode 75 - 5 Essential Steps to Prepare for Buying Your First Home in 2025 This Holiday Seasonhttps://www.spreaker.com/episode/episode-75-5-essential-steps-to-prepare-for-buying-your-first-home-in-2025-this-holiday-season--63409304The holiday season isn’t just for celebrating—it’s the perfect time to prepare for your first home purchase in 2025! 🎄🏡 In this episode, we’ll walk you through five practical steps to get your finances and mindset ready for the homebuying journey.From reviewing your budget and boosting your credit score to researching lenders and setting realistic expectations for your dream home, these tips will help you kick off the new year with confidence. 💪🎯 Topics Covered:

Budget Review & Savings Goals: How to use your holiday bonus and cut back on spending.
Credit Score Improvement: Why your credit matters and how to enhance it.
Financial Document Organization: Get ahead of the paperwork game.
Mortgage Research: Finding the right lender during the holiday lull.
Setting Expectations: What to prioritize in your first home search.

Whether you're dreaming of getting out of the rental market or simply want to make 2025 the year of homeownership, this episode is packed with actionable advice to make it happen.📌 Key Takeaways:

Budgeting during the holiday season doesn’t mean skipping the fun—it means planning smarter.
A strong credit score can save you thousands on your mortgage.
Organization now will save you stress later.
Research and reflection are your best friends in the homebuying journey.

🎧 Tune in for:
✅ Expert tips for first-time homebuyers.
✅ Real-world advice to start your 2025 homebuying journey right.
✅ Inspiration to turn your dream into reality.🌟 Don’t forget to subscribe, like, and share!
Your support helps us reach more first home buyers just like you!📲 Follow us on Social Media:

🎁 FREE Resource:
Sign up for our First Home Buyers Mini Course to learn everything you need to know about deposits, grants, and the buying process! - https://maryanne-elliott.mykajabi.com/offers/fAnpkt78
📌 Hashtags:
#FirstHomeBuyer #HolidaySeasonPlanning #2025HomeGoals #MortgageTips #BudgetingForAHome #CreditScoreTips #HomeBuyingJourney #PropertyMarketTips #360MortgageSolutions

Book a time with us here - https://360mortgagesolutions.com.au/contact-us/]]>https://api.spreaker.com/episode/63409304Fri, 20 Dec 2024 06:00:18 +0000Maryanne Elliott🎥 Description: The holiday season isn’t just for celebrating—it’s the perfect time to prepare for your first home purchase in 2025! 🎄🏡 In this episode, we’ll walk you through five practical steps to get your finances and mindset ready for the...The holiday season isn’t just for celebrating—it’s the perfect time to prepare for your first home purchase in 2025! 🎄🏡 In this episode, we’ll walk you through five practical steps to get your finances and mindset ready for the homebuying journey.From reviewing your budget and boosting your credit score to researching lenders and setting realistic expectations for your dream home, these tips will help you kick off the new year with confidence. 💪🎯 Topics Covered:

Budget Review & Savings Goals: How to use your holiday bonus and cut back on spending.
Credit Score Improvement: Why your credit matters and how to enhance it.
Financial Document Organization: Get ahead of the paperwork game.
Mortgage Research: Finding the right lender during the holiday lull.
Setting Expectations: What to prioritize in your first home search.

Whether you're dreaming of getting out of the rental market or simply want to make 2025 the year of homeownership, this episode is packed with actionable advice to make it happen.📌 Key Takeaways:

Budgeting during the holiday season doesn’t mean skipping the fun—it means planning smarter.
A strong credit score can save you thousands on your mortgage.
Organization now will save you stress later.
Research and reflection are your best friends in the homebuying journey.

Know Your Budget: With a pre-approval, you know exactly how much you can borrow, so you can focus on homes within your price range.
Strengthen Your Offer: Sellers take you more seriously when they see you're pre-approved, giving you a competitive edge in a hot market.
Faster Process: With your finances already assessed, you can move quickly when you find your dream home, reducing the risk of delays.
Peace of Mind: Avoid the stress of last-minute financing issues by getting pre-approved upfront, so you can house hunt with confidence.

At 360 Mortgage Solutions, we’ll help you get pre-approved, fully assessed, and ready to secure your perfect home. Let’s make your home-buying journey smooth and successful! 🏠✨

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://maryanne-elliott.mykajabi.com/offers/MGN9cHua
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes ]]>https://api.spreaker.com/episode/61020861Fri, 13 Dec 2024 04:25:40 +0000Maryanne ElliottBefore you start your house-hunting journey, make sure you're armed with a fully assessed pre-approval! Here's why: - Know Your Budget: With a pre-approval, you know exactly how much you can borrow, so you can focus on homes within your price range....

Know Your Budget: With a pre-approval, you know exactly how much you can borrow, so you can focus on homes within your price range.
Strengthen Your Offer: Sellers take you more seriously when they see you're pre-approved, giving you a competitive edge in a hot market.
Faster Process: With your finances already assessed, you can move quickly when you find your dream home, reducing the risk of delays.
Peace of Mind: Avoid the stress of last-minute financing issues by getting pre-approved upfront, so you can house hunt with confidence.

At 360 Mortgage Solutions, we’ll help you get pre-approved, fully assessed, and ready to secure your perfect home. Let’s make your home-buying journey smooth and successful! 🏠✨

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://maryanne-elliott.mykajabi.com/offers/MGN9cHua
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes ]]>343falsefullEpisode 73 - What Loan Term Should I Get for a House?https://www.spreaker.com/episode/episode-73-what-loan-term-should-i-get-for-a-house--63179669

The difference between short, standard, and extended loan terms.

How loan terms affect your repayments and total interest costs.

Strategies for choosing the right loan term based on your financial goals and lifestyle.

Resources Mentioned:

Book a free consultation with 360 Mortgage Solutions: https://calendly.com/360-mortgage-solutions-team

Call to Action:
Don’t leave your home loan decisions to chance. Schedule a free meeting with the 360 Mortgage Solutions team today and take the first step toward smarter homeownership.By making informed decisions about your loan term, you’ll be better prepared to achieve your financial goals and reduce stress on your journey to homeownership.]]>https://api.spreaker.com/episode/63179669Fri, 06 Dec 2024 01:04:44 +0000Maryanne ElliottIn this episode of the 360 Mortgage Solutions Podcast, Maryanne Elliott dives into an essential question for homeowners: What loan term should I get for a house? Whether you’re refinancing or buying your first home, understanding how loan terms impact...

The difference between short, standard, and extended loan terms.

How loan terms affect your repayments and total interest costs.

Strategies for choosing the right loan term based on your financial goals and lifestyle.

Resources Mentioned:

Book a free consultation with 360 Mortgage Solutions: https://calendly.com/360-mortgage-solutions-team

Call to Action:
Don’t leave your home loan decisions to chance. Schedule a free meeting with the 360 Mortgage Solutions team today and take the first step toward smarter homeownership.By making informed decisions about your loan term, you’ll be better prepared to achieve your financial goals and reduce stress on your journey to homeownership.]]>365falsefullEpisode 72 - Avoid These First Home Buyer Mistakes to Save Time and Moneyhttps://www.spreaker.com/episode/episode-72-avoid-these-first-home-buyer-mistakes-to-save-time-and-money--62842273

Why skipping a fully assessed pre-approval can derail your home-buying journey.
How small debts like Afterpay and credit cards impact your borrowing power.
Practical tips to set yourself up for success as a first home buyer.

Why skipping a fully assessed pre-approval can derail your home-buying journey.
How small debts like Afterpay and credit cards impact your borrowing power.
Practical tips to set yourself up for success as a first home buyer.

If you’re serious about getting into the property market, join our First Home Buyer Mini Course, launching this December. It’s a free resource packed with tips to help you navigate the home-buying process with confidence. Join the waitlist today and receive an exclusive bonus!

👉 Join the Waitlist Now

Chat to Tara and I here]]>318firsthome,homebuyer,mistakesfalsefullEpisode 71 - Unlocking Your Future: The First Home Buyer Program to Get You in the Markethttps://www.spreaker.com/episode/episode-71-unlocking-your-future-the-first-home-buyer-program-to-get-you-in-the-market--62748502In this episode of the First Home Buyers Program Podcast, we explore the essential steps to becoming a homeowner and how the First Home Buyer Program can help you navigate the process with ease. From understanding deposit goals to government grants, this episode provides a roadmap for first-time buyers looking to step confidently into the market. Don’t forget to join the waitlist for our First Home Buyer Mini Course for an exclusive bonus when we launch in early December!Key Points:

Overview of the First Home Buyer Program – making the home-buying process simpler.
Key steps to get started as a first-time buyer – saving deposits, government grants, and more.
Common mistakes first home buyers make and how to avoid them.
Special bonus for those who join the waitlist for the First Home Buyer Mini Course.

SEO Focus Keywords:

First home buyer program
First-time home buyers
First home buyer course

Links Mentioned:

Sign up for the First Home Buyer Mini Course waitlist: https://maryanne-elliott.mykajabi.com/joinus
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

Meta Description:
Join us in this episode of the First Home Buyer Program to discover how to confidently start your home-buying journey and sign up for our mini course waitlist!]]>https://api.spreaker.com/episode/62748502Wed, 20 Nov 2024 06:37:56 +0000Maryanne ElliottDescription: In this episode of the First Home Buyers Program Podcast, we explore the essential steps to becoming a homeowner and how the First Home Buyer Program can help you navigate the process with ease. From understanding deposit goals to...In this episode of the First Home Buyers Program Podcast, we explore the essential steps to becoming a homeowner and how the First Home Buyer Program can help you navigate the process with ease. From understanding deposit goals to government grants, this episode provides a roadmap for first-time buyers looking to step confidently into the market. Don’t forget to join the waitlist for our First Home Buyer Mini Course for an exclusive bonus when we launch in early December!Key Points:

Overview of the First Home Buyer Program – making the home-buying process simpler.
Key steps to get started as a first-time buyer – saving deposits, government grants, and more.
Common mistakes first home buyers make and how to avoid them.
Special bonus for those who join the waitlist for the First Home Buyer Mini Course.

SEO Focus Keywords:

First home buyer program
First-time home buyers
First home buyer course

Links Mentioned:

Sign up for the First Home Buyer Mini Course waitlist: https://maryanne-elliott.mykajabi.com/joinus
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

Meta Description:
Join us in this episode of the First Home Buyer Program to discover how to confidently start your home-buying journey and sign up for our mini course waitlist!]]>368buyer,buyers first,course,first,home,program first-timefalsefullEpisode 70 - Best Mortgage Lenders for First Time Buyershttps://www.spreaker.com/episode/episode-70-best-mortgage-lenders-for-first-time-buyers--62648026Discover the best mortgage lenders for first-time buyers. Learn tips and advice to help you find the right lender for your first home purchase.

Episode Summary:
In this episode of The First Home Buyers Program Podcast, we discuss the best mortgage lenders for first-time buyers and share tips to help you navigate the home buying process with confidence. Learn how to choose the right lender, what to look for in loan features, and how to find a personalized experience.
Don’t miss out—join the waitlist for our First Home Buyer Mini Course, launching in early December. Sign up now for an exclusive bonus! [Insert URL]Key Takeaways:

Why not all lenders are the same for first-time buyers.
What to consider beyond interest rates when choosing a lender.
The importance of personalized service in finding the right lender.

Call to Action:
Sign up for the waitlist for our First Home Buyer Mini Course, launching soon! Secure your spot and get a bonus when the course goes live. Visit the wait list]]>https://api.spreaker.com/episode/62648026Thu, 07 Nov 2024 03:44:18 +0000Maryanne ElliottDiscover the best mortgage lenders for first-time buyers. Learn tips and advice to help you find the right lender for your first home purchase. Episode Summary: In this episode of The First Home Buyers Program Podcast, we discuss the best mortgage...Discover the best mortgage lenders for first-time buyers. Learn tips and advice to help you find the right lender for your first home purchase.

Episode Summary:
In this episode of The First Home Buyers Program Podcast, we discuss the best mortgage lenders for first-time buyers and share tips to help you navigate the home buying process with confidence. Learn how to choose the right lender, what to look for in loan features, and how to find a personalized experience.
Don’t miss out—join the waitlist for our First Home Buyer Mini Course, launching in early December. Sign up now for an exclusive bonus! [Insert URL]Key Takeaways:

Why not all lenders are the same for first-time buyers.
What to consider beyond interest rates when choosing a lender.
The importance of personalized service in finding the right lender.

Call to Action:
Sign up for the waitlist for our First Home Buyer Mini Course, launching soon! Secure your spot and get a bonus when the course goes live. Visit the wait list]]>290falsefullEpisode 69 - First Home Buyers Tips: Essential Advice for Getting Startedhttps://www.spreaker.com/episode/episode-69-first-home-buyers-tips-essential-advice-for-getting-started--62565598
Topics Covered:
Setting a clear savings goal
Government grants and schemes for first home buyers
Why pre-approval is key Budgeting for hidden costs
Building a team of experts

Links & Resources:
Waitlist for First Home Buyer Mini Course - https://maryanne-elliott.mykajabi.com/joinus Free budget template for waitlist sign-ups!

Free online meeting - https://360mortgagesolutions.com.au/contact-us/ Join the waitlist for the First

Home Buyer Mini Course to get early access and a free budget template!]]>https://api.spreaker.com/episode/62565598Thu, 31 Oct 2024 07:08:48 +0000Maryanne ElliottAre you ready to buy your first home but feeling a bit overwhelmed by where to start? In this episode, we cover key first home buyers tips that will help you save for your deposit, navigate government grants, and get pre-approved for a home loan....
Topics Covered:
Setting a clear savings goal
Government grants and schemes for first home buyers
Why pre-approval is key Budgeting for hidden costs
Building a team of experts

Links & Resources:
Waitlist for First Home Buyer Mini Course - https://maryanne-elliott.mykajabi.com/joinus Free budget template for waitlist sign-ups!

Free online meeting - https://360mortgagesolutions.com.au/contact-us/ Join the waitlist for the First

Home Buyer Mini Course to get early access and a free budget template!]]>369falsefullEpisode 68 - What is Lenders Mortgage Insurance (LMI) & How to Avoid It (and save thousands of dollars)https://www.spreaker.com/episode/episode-68-what-is-lenders-mortgage-insurance-lmi-how-to-avoid-it-and-save-thousands-of-dollars--62497758

What is Lenders Mortgage Insurance (LMI)?

How LMI protects the bank, not the borrower.

Why LMI is sometimes a necessary part of buying a home.

The Home Buyer Guarantee Scheme: what it is and how it can help you avoid LMI.

Restrictions under the scheme and why it’s a great option for first home buyers.

Free mini course: Join the waitlist for expert guidance on your home buying journey.

Links Mentioned:

Connect with Us:

Website: 360 Mortgage Solutions
Instagram: @360mortgagesolutions
Facebook: 360 Mortgage Solutions

]]>https://api.spreaker.com/episode/62497758Fri, 25 Oct 2024 05:51:06 +0000Maryanne ElliottIn this episode, Maryanne Elliott from 360 Mortgage Solutions dives into the topic of Lenders Mortgage Insurance (LMI) and the costs it can add to your home buying journey. Learn what LMI is, how it impacts first home buyers, and, most importantly,...

What is Lenders Mortgage Insurance (LMI)?

How LMI protects the bank, not the borrower.

Why LMI is sometimes a necessary part of buying a home.

The Home Buyer Guarantee Scheme: what it is and how it can help you avoid LMI.

Restrictions under the scheme and why it’s a great option for first home buyers.

Free mini course: Join the waitlist for expert guidance on your home buying journey.

Links Mentioned:

Connect with Us:

Website: 360 Mortgage Solutions
Instagram: @360mortgagesolutions
Facebook: 360 Mortgage Solutions

]]>329househuting,lmi,mortgagefalse68fullEpisode 67 - The Top 3 Questions First Home Buyers Ask (And The Answer to Them)https://www.spreaker.com/episode/episode-67-the-top-3-questions-first-home-buyers-ask-and-the-answer-to-them--62406095First home buyer questions, how much can I borrow for my first home, first home buyer grants Australia, home buying process first-time buyers, first home buyer podcast, 360 Mortgage Solutions, mortgage broker for first home buyers.
Episode Highlights:[0:00] – Introduction to the Episode

Welcome to The First Home Buyers Program Podcast! In today’s episode, we’ll be answering the three biggest questions on every first home buyer’s mind.
If you're just starting your home buying journey and feeling overwhelmed, you're in the right place.

[1:30] – Question 1: How Much Can I Borrow?

One of the first things first home buyers want to know is how much they can afford to borrow.
We discuss how your borrowing capacity is calculated, including factors like your income, expenses, and deposit size.
Tip: Speak to a mortgage broker early on to avoid borrowing more than you can comfortably repay. A professional can help tailor the best options for your situation.

[3:45] – Question 2: What Government Grants Am I Eligible For?

Did you know that as a first home buyer in Australia, you might qualify for grants and incentives?
We break down the different types of government grants available, like the First Home Owner Grant and stamp duty concessions.
Not sure what you qualify for? We explain how to navigate these programs and maximize your savings.

[5:30] – Question 3: What Is the Home Buying Process?

The home buying process can feel like a long and complicated journey, but we simplify it by breaking it down into five easy steps: from getting pre-approval to settling on your new home.
We also share tips on how to avoid common mistakes that many first home buyers make during the process.

[6:30] – Final Thoughts & The Course

We recap the top three questions first home buyers ask: How much can I borrow? What government grants am I eligible for? And what’s the home buying process?
Want to join the wiatlist - https://maryanne-elliott.mykajabi.com/joinus

Key Takeaways:

How much can I borrow? – We explain how lenders calculate your borrowing capacity based on your financial situation.
Government grants for first home buyers – Learn about the various grants and incentives you could be eligible for as a first home buyer in Australia.
The home buying process – From pre-approval to settlement, we walk you through the entire process of buying your first home.

]]>https://api.spreaker.com/episode/62406095Fri, 18 Oct 2024 03:20:58 +0000Maryanne ElliottIn this episode of The First Home Buyers Program Podcast, we dive into the top three questions every first home buyer asks before making that big leap into the property market. How much can I borrow? What government grants am I eligible for? And...First home buyer questions, how much can I borrow for my first home, first home buyer grants Australia, home buying process first-time buyers, first home buyer podcast, 360 Mortgage Solutions, mortgage broker for first home buyers.
Episode Highlights:[0:00] – Introduction to the Episode

Welcome to The First Home Buyers Program Podcast! In today’s episode, we’ll be answering the three biggest questions on every first home buyer’s mind.
If you're just starting your home buying journey and feeling overwhelmed, you're in the right place.

[1:30] – Question 1: How Much Can I Borrow?

One of the first things first home buyers want to know is how much they can afford to borrow.
We discuss how your borrowing capacity is calculated, including factors like your income, expenses, and deposit size.
Tip: Speak to a mortgage broker early on to avoid borrowing more than you can comfortably repay. A professional can help tailor the best options for your situation.

[3:45] – Question 2: What Government Grants Am I Eligible For?

Did you know that as a first home buyer in Australia, you might qualify for grants and incentives?
We break down the different types of government grants available, like the First Home Owner Grant and stamp duty concessions.
Not sure what you qualify for? We explain how to navigate these programs and maximize your savings.

[5:30] – Question 3: What Is the Home Buying Process?

The home buying process can feel like a long and complicated journey, but we simplify it by breaking it down into five easy steps: from getting pre-approval to settling on your new home.
We also share tips on how to avoid common mistakes that many first home buyers make during the process.

[6:30] – Final Thoughts & The Course

We recap the top three questions first home buyers ask: How much can I borrow? What government grants am I eligible for? And what’s the home buying process?
Want to join the wiatlist - https://maryanne-elliott.mykajabi.com/joinus

Key Takeaways:

How much can I borrow? – We explain how lenders calculate your borrowing capacity based on your financial situation.
Government grants for first home buyers – Learn about the various grants and incentives you could be eligible for as a first home buyer in Australia.
The home buying process – From pre-approval to settlement, we walk you through the entire process of buying your first home.

]]>509australia home,borrow,buyer,buying,by,first,grants,home,home first,stepfalsefullEpisode 66 - Understanding Lender Pre-Approval: Your First Step to Homeownershiphttps://www.spreaker.com/episode/episode-66-understanding-lender-pre-approval-your-first-step-to-homeownership--62328333In this episode of The First Home Buyers Program Podcast, we break down one of the most crucial steps in your home buying journey: lender pre-approval. If you're a first home buyer wondering how to secure financing, this episode is for you! We’ll cover why pre-approval matters, how the process works, and when to get started. Plus, we’ll share tips on how to apply, whether directly with a lender or by working with a mortgage broker. Tune in for practical advice that can help you secure your first home faster and with more confidence.Key Takeaways:

What is lender pre-approval?
A breakdown of how pre-approval works and why it’s essential for first home buyers.
Why pre-approval is important:
Learn how having pre-approval gives you a clear budget, strengthens your offer to sellers, and saves you time.
How the pre-approval process works:
We explain the documents you’ll need, how lenders assess your application, and what to expect.
When to get pre-approved:
Find out the best time to apply for pre-approval to stay ahead of the competition in the housing market.
Lender vs. Mortgage Broker:
Discover the benefits of working with a mortgage broker to find the best loan options tailored to your situation.

Episode Highlights:

[00:45] – What lender pre-approval means and why it’s your first step toward homeownership.
[02:00] – The pre-approval process: What documents you need and how lenders assess your finances.
[03:30] – When should first home buyers get pre-approved? Timing is everything!
[04:30] – How a mortgage broker can save you time and help you find better loan options.

Resources Mentioned in This Episode:

360 Mortgage Solutions – Get in touch with our team to start your pre-approval process today.
First Home Buyers Program – Learn more about our comprehensive online course designed to guide you through every step of the home buying journey

Related Episodes:

Top 5 Tips For First Home Buyers
Stamp duty costs

If you’re ready to take the next step toward homeownership, reach out to 360 Mortgage Solutions for expert advice on securing lender pre-approval. Don’t forget to subscribe, leave a review, and share this episode with other first home buyers who are ready to make their move!Connect with Us:

Visit our website: 360 Mortgage Solutions
Follow us on Instagram: @360MortgageSolutions
Email us: maryanne@360mortgagesolutions.com

If you enjoyed this episode, make sure to subscribe and leave us a review on [Apple Podcasts/Spotify] to help more first home buyers find the show.]]>https://api.spreaker.com/episode/62328333Fri, 11 Oct 2024 05:48:15 +0000Maryanne ElliottEpisode Description: In this episode of The First Home Buyers Program Podcast, we break down one of the most crucial steps in your home buying journey: lender pre-approval. If you're a first home buyer wondering how to secure financing, this episode...In this episode of The First Home Buyers Program Podcast, we break down one of the most crucial steps in your home buying journey: lender pre-approval. If you're a first home buyer wondering how to secure financing, this episode is for you! We’ll cover why pre-approval matters, how the process works, and when to get started. Plus, we’ll share tips on how to apply, whether directly with a lender or by working with a mortgage broker. Tune in for practical advice that can help you secure your first home faster and with more confidence.Key Takeaways:

What is lender pre-approval?
A breakdown of how pre-approval works and why it’s essential for first home buyers.
Why pre-approval is important:
Learn how having pre-approval gives you a clear budget, strengthens your offer to sellers, and saves you time.
How the pre-approval process works:
We explain the documents you’ll need, how lenders assess your application, and what to expect.
When to get pre-approved:
Find out the best time to apply for pre-approval to stay ahead of the competition in the housing market.
Lender vs. Mortgage Broker:
Discover the benefits of working with a mortgage broker to find the best loan options tailored to your situation.

Episode Highlights:

[00:45] – What lender pre-approval means and why it’s your first step toward homeownership.
[02:00] – The pre-approval process: What documents you need and how lenders assess your finances.
[03:30] – When should first home buyers get pre-approved? Timing is everything!
[04:30] – How a mortgage broker can save you time and help you find better loan options.

Resources Mentioned in This Episode:

360 Mortgage Solutions – Get in touch with our team to start your pre-approval process today.
First Home Buyers Program – Learn more about our comprehensive online course designed to guide you through every step of the home buying journey

Related Episodes:

Top 5 Tips For First Home Buyers
Stamp duty costs

Visit our website: 360 Mortgage Solutions
Follow us on Instagram: @360MortgageSolutions
Email us: maryanne@360mortgagesolutions.com

If you enjoyed this episode, make sure to subscribe and leave us a review on [Apple Podcasts/Spotify] to help more first home buyers find the show.]]>343broker home,buyers,buyers pre-approval,buying,first,for,home,journey,lender,loans,mortgage,pre-approval,process homefalsefullEpisode 65 - Stamp Duty Exceptionshttps://www.spreaker.com/episode/episode-65-stamp-duty-exceptions--60749919

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes

]]>https://api.spreaker.com/episode/60749919Fri, 26 Jul 2024 03:07:21 +0000Maryanne ElliottWelcome to **The First Home Buyers Program Podcast**! This week, we're diving into the latest updates from the Queensland government on first home buyer stamp duty concessions. If you're a first-time home buyer in Queensland, you won't want to miss...

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes

]]>385falsefullEpisode 64 - Your Credit File - What you must knowhttps://www.spreaker.com/episode/episode-64-your-credit-file-what-you-must-know--60307058For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes
]]>https://api.spreaker.com/episode/60307058Sat, 20 Jul 2024 10:26:12 +0000Maryanne ElliottConsumer Credit Reporting was meant to shine a light on borrowers with fantasitc credit histroy however, I am seeing more and more times it is catching First Home Buyers out. For a fee free meeting book here - Maryanne...For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes
]]>372ccr,creditfile,firsthome,homeloanfalsefullEpisode 63 - What happens after my loan approval?https://www.spreaker.com/episode/episode-63-what-happens-after-my-loan-approval--60053998
That can be such an exciting time espicially for First Home buyers but more often than not, within seconds the excitement is pushed aside and a flood of questions come thorough like 'What happens next?'

In this episode I cover off on the next steps that typically happen so you can get prepared for your own home buying journey.

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes
]]>https://api.spreaker.com/episode/60053998Thu, 16 May 2024 01:36:34 +0000Maryanne ElliottSo you get teh call you have been wiating for.... your loan is approved! That can be such an exciting time espicially for First Home buyers but more often than not, within seconds the excitement is pushed aside and a flood of questions come thorough...
That can be such an exciting time espicially for First Home buyers but more often than not, within seconds the excitement is pushed aside and a flood of questions come thorough like 'What happens next?'

In this episode I cover off on the next steps that typically happen so you can get prepared for your own home buying journey.

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes
]]>375approoval,firsthome,homeapproval,mortgagefalsefullEpisode 62 - Top 5 Tips For First Home Buyershttps://www.spreaker.com/episode/episode-62-top-5-tips-for-first-home-buyers--59959820
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes

]]>https://api.spreaker.com/episode/59959820Fri, 10 May 2024 06:16:55 +0000Maryanne ElliottHere are the top 5 Tips for First Home Buyers to consider when buying their First home...    For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgagesolutions To find out...
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes

]]>335falsefullEpisode 61 - Budget 101https://www.spreaker.com/episode/episode-61-budget-101--59745930
To find out more about the government schemes check this episode out - https://www.spreaker.com/episode/first-home-buying-scheme--51205959

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes ]]>https://api.spreaker.com/episode/59745930Wed, 01 May 2024 02:16:56 +0000Maryanne ElliottThe first step to budgeting is to actually look at your budget... this can be scary but it can help go a long way to seeing what expenses you can curb and where you can save a little more. To find out more about the government schemes check this...
To find out more about the government schemes check this episode out - https://www.spreaker.com/episode/first-home-buying-scheme--51205959

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes ]]>416falsefullEpisode 60 - Recent client experiencehttps://www.spreaker.com/episode/episode-60-recent-client-experience--59193016
To book a fee free meeting with me head to https://calendly.com/360mortgagesolutions/video-conference]]>https://api.spreaker.com/episode/59193016Wed, 27 Mar 2024 09:13:42 +0000Maryanne ElliottJust last week I had a First Home Buyer call me in a panic, she had found her home, her offer was accepted and she had just realised that the original broker she was talking to may have given her the wrong advice when he suggested a pre-approval...
To book a fee free meeting with me head to https://calendly.com/360mortgagesolutions/video-conference]]>210falsefullEpisode 59- Rentvestinghttps://www.spreaker.com/episode/episode-59-rentvesting--59052579https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/59052579Fri, 15 Mar 2024 06:39:51 +0000Maryanne ElliottIn this episode I explain what rentvesting is and what the pros and cons are so you can start to work out if rentvesting could be something you consider. As always, nothing in this video is advice, in fact, before you consider rentvesting I would...https://calendly.com/360mortgagesolutions]]>359firsthome,homebuyer,rentvestingfalsefullEpisode 58 - Top 3 Family Guarantee Questionshttps://www.spreaker.com/episode/episode-58-top-3-family-guarantee-questions--58881968
To book a time with me head to - https://calendly.com/360mortgagesolutions

To find out more about The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/ Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/58881968Thu, 29 Feb 2024 23:38:29 +0000Maryanne ElliottFamily Gurantee is becoming more common with the cost of homes increasing, in this weeks episode I look at what the top 3 most common questions are I get around Gurantorus wanting to use their proeprty to help First home Buyers to get inot the...
To book a time with me head to - https://calendly.com/360mortgagesolutions

To find out more about The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/ Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>481falsefullEpisode 57 - Bridging loanshttps://www.spreaker.com/episode/episode-57-bridging-loans--58689715
In light of this, we are talking all things Bridging loans as this is a common discussion I have with my previous First Home buyers.

To find out more about The First Home Buyer Info Session check it out here - https://www.eventbrite.com.au/e/the-first-home-buyers-information-session-tickets-837086758027

To find out more about The First home Buyer Program check it out here - https://courses.360mortgagesolutions.com.au/tfhbp/

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/58689715Fri, 16 Feb 2024 01:21:29 +0000Maryanne ElliottEven as a Frist Home Buyer it is still important to learn and know what loan types there are and what the pros and cons are of each. In light of this, we are talking all things Bridging loans as this is a common discussion I have with my previous...
In light of this, we are talking all things Bridging loans as this is a common discussion I have with my previous First Home buyers.

To find out more about The First Home Buyer Info Session check it out here - https://www.eventbrite.com.au/e/the-first-home-buyers-information-session-tickets-837086758027

To find out more about The First home Buyer Program check it out here - https://courses.360mortgagesolutions.com.au/tfhbp/

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions]]>380falsefullEpisode 56 - Building and Pest Inspectionshttps://www.spreaker.com/episode/episode-56-building-and-pest-inspections--58539016
to make a fee free appointment you can go here - https://calendly.com/360mortgagesolutions/video-conference

The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/58539016Fri, 02 Feb 2024 01:02:45 +0000Maryanne ElliottI always factor in for a building and pest inspection for my clients, it's so important and here's why... to make a fee free appointment you can go here - https://calendly.com/360mortgagesolutions/video-conference The First Home Buyers Program -...
to make a fee free appointment you can go here - https://calendly.com/360mortgagesolutions/video-conference

The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>277buildingandpest,firsthomebuyers,home,homeloan,mortgagefalsefullEpisode 55 - Weekly and fortnightly Repaymentshttps://www.spreaker.com/episode/episode-55-weekly-and-fortnightly-repayments--58361798
I say sometimes becuase if you don't watch how the repayments are set up you could be paying the true weekly or fortnightly payment which saves you $0.

Listen to this podcase espisode to find out how you can make sure you are saving on your future home loan.]]>https://api.spreaker.com/episode/58361798Fri, 19 Jan 2024 06:21:38 +0000Maryanne ElliottPaying weekly or fortnightly saves money right.... sometimes. I say sometimes becuase if you don't watch how the repayments are set up you could be paying the true weekly or fortnightly payment which saves you $0. Listen to this podcase espisode...
I say sometimes becuase if you don't watch how the repayments are set up you could be paying the true weekly or fortnightly payment which saves you $0.

Listen to this podcase espisode to find out how you can make sure you are saving on your future home loan.]]>224falsefullEpisode 54 - The Home Equity Share Scheme - Pros and Cons as I see ithttps://www.spreaker.com/episode/episode-54-the-home-equity-share-scheme-pros-and-cons-as-i-see-it--57991646
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

To find out more about The First Home Buyers Program check it out here -

The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

Need help with budgeting, check out The Money Magnet course here -

The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/

To get free access to The First Home Buyer Info session pop your email here - https://mailchi.mp/bf8aec743375/video-access]]>https://api.spreaker.com/episode/57991646Wed, 13 Dec 2023 05:13:40 +0000Maryanne ElliottThis week we look at the pros and cons of the new Property Share Scheme it's worth noting that is has yet to be realised but here are the pros and cons as I see them now... For a fee free meeting book here - Maryanne -...
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

To find out more about The First Home Buyers Program check it out here -

The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

Need help with budgeting, check out The Money Magnet course here -

The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/

To get free access to The First Home Buyer Info session pop your email here - https://mailchi.mp/bf8aec743375/video-access]]>384falsefullEpisode 53 - QLD Government increases the First Home Owner Granthttps://www.spreaker.com/episode/episode-53-qld-government-increases-the-first-home-owner-grant--57719124
In this epesode I talk about the qualifying detials so you know if this will work for you...

Here's a link to my diary if you want to chat more... https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/57719124Mon, 20 Nov 2023 02:37:25 +0000Maryanne ElliottBreaking news, this is super exciting becuase from now until June 30 2025 Queensland First Home Buyers can get a grant of $30k towards their First Home. In this epesode I talk about the qualifying detials so you know if this will work for you......
In this epesode I talk about the qualifying detials so you know if this will work for you...

Here's a link to my diary if you want to chat more... https://calendly.com/360mortgagesolutions]]>232falsefullEpisode 52 - Repayments - how to save money using your loan repaymentshttps://www.spreaker.com/episode/episode-52-repayments-how-to-save-money-using-your-loan-repayments--57465016
Well, it could be right... it all depends on how the repaymetns are calculated and more often than not, if you leave it up to the bank to set up your repayments they will be set up so even if you are paying weekly or fortnightly you are not saving.

The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Top 3 mistakes downloadable https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/57465016Mon, 06 Nov 2023 06:04:15 +0000Maryanne ElliottPaying your loan weekly or fortnightly will save you money right? Wrong! Well, it could be right... it all depends on how the repaymetns are calculated and more often than not, if you leave it up to the bank to set up your repayments they will be set...
Well, it could be right... it all depends on how the repaymetns are calculated and more often than not, if you leave it up to the bank to set up your repayments they will be set up so even if you are paying weekly or fortnightly you are not saving.

The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Top 3 mistakes downloadable https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>265falsefullEpisode 51 - Off the planhttps://www.spreaker.com/episode/episode-51-off-the-plan--57390196https://api.spreaker.com/episode/57390196Fri, 27 Oct 2023 04:52:11 +0000Maryanne ElliottBuying off the plan comes with it's risks, this week I take you through a recent client experience as they were looking at the pros and cons to signing their dream home off the plan...263falsefullEpisode 50 - How long will my application take?https://www.spreaker.com/episode/episode-50-how-long-will-my-application-take--57222161
To find out what lender and timeframe would suit you, contact us at 360 Mortgage Solutions www.360mortgagesolutions.com.au
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

To find out more about The First Home Buyers Program check it out here - The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

Need help with budgeting, check out The Money Magnet course here - The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/

Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/57222161Sat, 21 Oct 2023 03:08:55 +0000Maryanne ElliottThis is such a common question and I get it... you want to know once we hit the submit button, how long before the bank gives us the green light. There is actually a whole lot more involved behind the scenes when it comes to time frames, and here's...
To find out what lender and timeframe would suit you, contact us at 360 Mortgage Solutions www.360mortgagesolutions.com.au
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

To find out more about The First Home Buyers Program check it out here - The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

Need help with budgeting, check out The Money Magnet course here - The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/

Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>283application,homeloan,timeframefalsefullEpisode 49 - Rentvestinghttps://www.spreaker.com/episode/episode-49-rentvesting--57216595
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/57216595Thu, 12 Oct 2023 23:30:51 +0000Maryanne ElliottRecently I have been talking to a lot of First Home Buyers about rent vesting, this is when they purchase a property to rent out while still living at home with Mum and Dad or renting elsewhere. In this video I go through the pros and cons and what to...
For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions
To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/
Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>411falsefullEpisode 48 - Your Home loan term can save you or cost you...https://www.spreaker.com/episode/episode-48-your-home-loan-term-can-save-you-or-cost-you--56949158In this episode I take you through what you need to be mindful of both for existing home owners and first home buyers to try to minimise your interests over your loan term and ideally, save as much money as possible.

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/

Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/56949158Tue, 26 Sep 2023 23:39:21 +0000Maryanne ElliottKnowing your loan term can make a huge difference in how much interest you pay, it may not seem like much but 5 years worth of interest on a $500k home loan at an interest rate of 5% is $125k so if you don't pay attention to your loan term, it can...In this episode I take you through what you need to be mindful of both for existing home owners and first home buyers to try to minimise your interests over your loan term and ideally, save as much money as possible.

For a fee free meeting book here -
Maryanne - https://calendly.com/360mortgagesolutions
Tara - https://calendly.com/tara-360mortgagesolutions

To find out more about The First Home Buyers Program check it out here -
The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

Need help with budgeting, check out The Money Magnet course here -
The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/

Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>280finance,firsthome,househunting,loan,loantermfalsefullEpisode 47 - How to use your credit card to save interest on your home loanhttps://www.spreaker.com/episode/episode-47-how-to-use-your-credit-card-to-save-interest-on-your-home-loan--56657351
If you want to know more about 360 Mortgage solutions check us out here - https://360mortgagesolutions.com.au/
If you want to know more about the First Home Buyers Program, check it out here - https://courses.360mortgagesolutions.com.au/tfhbp/

Want to avoid the 3 most common home buying mistakes? downloand the pdf here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/56657351Fri, 01 Sep 2023 05:10:51 +0000Maryanne ElliottAlot of people know this hack - the good ol 'use your credit card to save money on your home loan' but in this episode I take you through how it works and most importanatly, how to avoid it costing you more. If you want to know more about 360...
If you want to know more about 360 Mortgage solutions check us out here - https://360mortgagesolutions.com.au/
If you want to know more about the First Home Buyers Program, check it out here - https://courses.360mortgagesolutions.com.au/tfhbp/

Want to avoid the 3 most common home buying mistakes? downloand the pdf here - https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>286falsefullEpisode 46 - Buy now pay laterhttps://www.spreaker.com/episode/episode-46-buy-now-pay-later--56584162https://api.spreaker.com/episode/56584162Fri, 25 Aug 2023 00:06:55 +0000Maryanne ElliottIt's really common for clients to forget some debts when apply for a home loan but it can have an adverse effect on your applicaiton if you do. One of the most common missed debts I see is BNPY (By now pay later) for example Zip pay or After pay......150falsefullEpisode 45 - Fully assessed pre-approvalhttps://www.spreaker.com/episode/episode-45-fully-assessed-pre-approval--54080736
To book a fee free meeting with 360 Mortgage Solutions head to -
https://calendly.com/360mortgagesolutions
https://calendly.com/tara-360mortgagesolutions/30min?month=2023-06

To check out The First Home Buyers Program head to -
https://courses.360mortgagesolutions.com.au/tfhbp/

]]>https://api.spreaker.com/episode/54080736Fri, 02 Jun 2023 22:14:30 +0000Maryanne ElliottI am always talking about fully assessed pre-approval and the reason is, they can save so much stress and worry when you are buying your first home. To book a fee free meeting with 360 Mortgage Solutions head to -...
To book a fee free meeting with 360 Mortgage Solutions head to -
https://calendly.com/360mortgagesolutions
https://calendly.com/tara-360mortgagesolutions/30min?month=2023-06

To check out The First Home Buyers Program head to -
https://courses.360mortgagesolutions.com.au/tfhbp/

]]>326falsefullEpisode 44 - Interested Party - Your Certificate of Insurancehttps://www.spreaker.com/episode/episode-44-interested-party-your-certificate-of-insurance--53923632
In this episode I take you through a really common request, the cirtificate of insurance and more specifically, the interested party portion.

If you want to know more about the First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/

If you want to jump on the wait list for the First Home Buyers Info night (Brisbane South) email your best contact to info@360mortgagesolutions.com.au]]>https://api.spreaker.com/episode/53923632Thu, 18 May 2023 20:57:57 +0000Maryanne ElliottThere are alot of things that 'need to be done' when you are purchasing a proeprty and some of the things I ask clients to do leaves them wondering why? In this episode I take you through a really common request, the cirtificate of insurance and...
In this episode I take you through a really common request, the cirtificate of insurance and more specifically, the interested party portion.

If you want to know more about the First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/

If you want to jump on the wait list for the First Home Buyers Info night (Brisbane South) email your best contact to info@360mortgagesolutions.com.au]]>244falsefullEpisode 43 - Protection - what you need to knowhttps://www.spreaker.com/episode/episode-43-protection-what-you-need-to-know--53828889
This is why, looking into your protection is a super important aspect of taking out your new loan.]]>https://api.spreaker.com/episode/53828889Fri, 12 May 2023 04:34:13 +0000Maryanne ElliottGoing into debt can be a daunting thing and one of the main things as a Mortgage Broker I have to (and want to) do is ensure my clients can afford their home now, and into the future. This is why, looking into your protection is a super important...
This is why, looking into your protection is a super important aspect of taking out your new loan.]]>196falsefullEpisode 42 -How is a broker paidhttps://www.spreaker.com/episode/episode-42-how-is-a-broker-paid--53746847https://api.spreaker.com/episode/53746847Fri, 05 May 2023 03:24:41 +0000Maryanne ElliottI get asked a lot by clients and potential clients what my charge is, in this video I take you through how I get paid as a Mortgage Broker and how I look at what is most important to my clients and their long term plans - rather than trying to 'fit...157falsefullEpisode 41 -Bidding at an Auctionhttps://www.spreaker.com/episode/episode-41-bidding-at-an-auction--53673712
This is not the case and prior to going to Auction, you should be chatting with your Broker to make sure you have covered yourself and any bids you may make.]]>https://api.spreaker.com/episode/53673712Fri, 28 Apr 2023 04:33:24 +0000Maryanne ElliottI often find First Home Buyers think bidding at an auction means, if you are the highest bidder, you can then put a contract on the property for that amount subject to building and pest and finance. This is not the case and prior to going to...
This is not the case and prior to going to Auction, you should be chatting with your Broker to make sure you have covered yourself and any bids you may make.]]>175falsefullEpisode 40 - How does the deposit workhttps://www.spreaker.com/episode/episode-40-how-does-the-deposit-work--53456269
This week I take you through how the deposit works and when you will get it back.

If you want to hit the ground running on your first home, make sure you check out the online programe - https://courses.360mortgagesolutions.com.au/tfhbp/]]>https://api.spreaker.com/episode/53456269Thu, 06 Apr 2023 23:00:02 +0000Maryanne ElliottI often get asked by clients when they sign a contract sale how the deposit works, the main concern is that they will be paying their and never get it back. This week I take you through how the deposit works and when you will get it back. If you...
This week I take you through how the deposit works and when you will get it back.

If you want to hit the ground running on your first home, make sure you check out the online programe - https://courses.360mortgagesolutions.com.au/tfhbp/]]>181firsthomebuyerfalsefullEpisode 39 - Property Sharehttps://www.spreaker.com/episode/episode-39-property-share--53385213
To make a fee free appointment head to https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/53385213Thu, 30 Mar 2023 01:16:58 +0000Maryanne ElliottIt's not a common way to buyyour first home and it's not fore everyone but it is a great option if you have a friend who wants to get into the market as well and together you have enough deposit... To make a fee free appointment head to...
To make a fee free appointment head to https://calendly.com/360mortgagesolutions]]>218falsefullEpisode 38 - Can I buy a home with no deposit?https://www.spreaker.com/episode/episode-38-can-i-buy-a-home-with-no-deposit--53317391
To see if this is an option for you, you can book a free Zoom here - https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/53317391Thu, 23 Mar 2023 22:33:32 +0000Maryanne ElliottThere is a way, whilst I always encourage a home buyer to have some savings to cover extra costs family gurantaee is an option that can help you get into your #firsthome without having a depoisit. To see if this is an option for you, you can book a...
To see if this is an option for you, you can book a free Zoom here - https://calendly.com/360mortgagesolutions]]>414buyahome,finance,firsthomefalsefullEpisode 37 - Stamp duty costshttps://www.spreaker.com/episode/episode-37-stamp-duty-costs--53231563
The answer to this question is complex, becuase you are asking the wring question...

To grab a link to The First Home Buyers Info Night email maryanne@360mortgagesolutions.com.au]]>https://api.spreaker.com/episode/53231563Fri, 17 Mar 2023 03:41:38 +0000Maryanne ElliottIts such a common question, when I buy a home, does the stamp duty and other costs come from my deposit or the loan amount? The answer to this question is complex, becuase you are asking the wring question... To grab a link to The First Home...
The answer to this question is complex, becuase you are asking the wring question...

To grab a link to The First Home Buyers Info Night email maryanne@360mortgagesolutions.com.au]]>147falsefullEpisode 36 - Small change for a massive savingshttps://www.spreaker.com/episode/episode-36-small-change-for-a-massive-savings--53154541
This week I take a look at one small change you can make to your weekly eating habits to help pur an extra $1560 in your savings account....

If you want a free copy of the budget template grab it here - To get a free copy of my budgeting template go here - Download ]]>https://api.spreaker.com/episode/53154541Fri, 10 Mar 2023 04:58:57 +0000Maryanne ElliottYou know the saying, from little things big things grow? This week I take a look at one small change you can make to your weekly eating habits to help pur an extra $1560 in your savings account.... If you want a free copy of the budget template...
This week I take a look at one small change you can make to your weekly eating habits to help pur an extra $1560 in your savings account....

If you want a free copy of the budget template grab it here - To get a free copy of my budgeting template go here - Download ]]>182save,savemoneyfalsefullEpisode 35 - Two common questionshttps://www.spreaker.com/episode/episode-35-two-common-questions--53079357
What amount should I set the pre-approval limit to?
How long does a pre-approval take?

Got a question? send it through to maryanne@360mortgagesolutions.com.au and I will answer it in the next episode.]]>https://api.spreaker.com/episode/53079357Fri, 03 Mar 2023 05:00:11 +0000Maryanne ElliottWho are we kidding, as first home buyers you have tons of questions, but there are some common ones we see and in this episode I talk through the two most common I have had of late... What amount should I set the pre-approval limit to? How long does...
What amount should I set the pre-approval limit to?
How long does a pre-approval take?

Got a question? send it through to maryanne@360mortgagesolutions.com.au and I will answer it in the next episode.]]>213firsthome,homebuyer,preapprovalfalsefullEpisode 34 - Lenders Mortgage Insurance, what is it and how can you avoid it?https://www.spreaker.com/episode/episode-34-lenders-mortgage-insurance-what-is-it-and-how-can-you-avoid-it--52439049Lenders Mortgage Insurance is, at times, a necessary evil. In this video I take you through what it is and more importantly, how you can avoid paying it... saving yourself thousands of dollars

https://youtu.be/arRNzNryK6I]]>https://api.spreaker.com/episode/52439049Fri, 24 Feb 2023 05:41:19 +0000Maryanne ElliottLenders Mortgage Insurance is, at times, a necessary evil. In this video I take you through what it is and more importantly, how you can avoid paying it... saving yourself thousands of dollars https://youtu.be/arRNzNryK6ILenders Mortgage Insurance is, at times, a necessary evil. In this video I take you through what it is and more importantly, how you can avoid paying it... saving yourself thousands of dollars

https://youtu.be/arRNzNryK6I]]>283falsefullEpisode 33 - Budget tips from the guru Jackie Matjasec Interviewhttps://www.spreaker.com/episode/episode-33-budget-tips-from-the-guru-jackie-matjasec-interview--52665980The Simple Budget
https://thesimplebudget.com.au/
0435 120 902
jackie.thesimplebudget@gmail.com]]>https://api.spreaker.com/episode/52665980Sun, 12 Feb 2023 23:40:20 +0000Maryanne ElliottIf you want to learn more from Jackie Matjasec The Simple Budget https://thesimplebudget.com.au/ 0435 120 902 mailto:jackie.thesimplebudget@gmail.comThe Simple Budget
https://thesimplebudget.com.au/
0435 120 902
jackie.thesimplebudget@gmail.com]]>523budget,finance,firsthomefalsefullEpisode 32 - Your living expenses and what you need to know...https://www.spreaker.com/episode/episode-32-your-living-expenses-and-what-you-need-to-know--52469671
To get a free budget template go here - http://eepurl.com/cDcltf]]>https://api.spreaker.com/episode/52469671Wed, 08 Feb 2023 01:13:40 +0000Maryanne ElliottThere is a lot of talk around living expenses and how to declare them to the bank or lender and in this video I talk you through why the banks have living expenses (spoiler alert, it's to protect you) and what you should do if your living expenses are...
To get a free budget template go here - http://eepurl.com/cDcltf]]>283falsefullEpisode 31 - First Home Buyers Info Nighthttps://www.spreaker.com/episode/episode-31-first-home-buyers-info-night--52437162
To find out more head to - https://www.eventbrite.com.au/e/first-home-buyers-seminar-tickets-499082096987

If you're not local but want to know more, check out The First Home Buyers Program here - https://courses.360mortgagesolutions.com.au/tfhbp/

To book an obligation free meeting with me head to https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/52437162Sat, 14 Jan 2023 00:08:05 +0000Maryanne ElliottThe most common thing I hear from First Home Buyers is, 'I don't know where to start' so to start the year off with a bang, I have organised industry experts to come along to an informal information session to share their top tips for First Home...
To find out more head to - https://www.eventbrite.com.au/e/first-home-buyers-seminar-tickets-499082096987

If you're not local but want to know more, check out The First Home Buyers Program here - https://courses.360mortgagesolutions.com.au/tfhbp/

To book an obligation free meeting with me head to https://calendly.com/360mortgagesolutions]]>158finance,firsthome,homebuyer,loansfalsefullEpisode 30 - One tip this silly seasonhttps://www.spreaker.com/episode/episode-30-one-tip-this-silly-season--52200087
Use the downtime to look over your spending habits suring 2022 and make some changes that your future self will thank you for.

If you want some more help to smash your financial goals in 2023 then check out my online course https://courses.360mortgagesolutions.com.au/tmm/]]>https://api.spreaker.com/episode/52200087Fri, 16 Dec 2022 01:49:22 +0000Maryanne ElliottI know Christmas is a crazy time of year and sometimes your budget can get away from you but if I have one piece of advice for First Home Buyers at this time it is to check your spending. Use the downtime to look over your spending habits suring...
Use the downtime to look over your spending habits suring 2022 and make some changes that your future self will thank you for.

If you want some more help to smash your financial goals in 2023 then check out my online course https://courses.360mortgagesolutions.com.au/tmm/]]>293budget,firsthome,save,savemoneyfalsefullEpisode 29 - Signing loan documentshttps://www.spreaker.com/episode/episode-29-signing-loan-documents--52126579https://api.spreaker.com/episode/52126579Fri, 09 Dec 2022 04:35:02 +0000Maryanne ElliottThere have been some changes to banks and how they issue loan documents, check out this week's episode to hear how the changes are working for the better220falsefullEpisode 28 - Settlement Day - What you need to knowhttps://www.spreaker.com/episode/episode-28-settlement-day-what-you-need-to-know--52074528
If you want more help with your deposit or getting into the market make sure you check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
If you want to bypass the pre learning and speak to me about your individual situation, please book a fee free meeting with me here - https://calendly.com/360mortgagesolutions]]>https://api.spreaker.com/episode/52074528Fri, 02 Dec 2022 04:28:08 +0000Maryanne ElliottThis week we look at settlement day and the top three things you need to know to make sure your settlement day is as stress free as possible. If you want more help with your deposit or getting into the market make sure you check out The First Home...
If you want more help with your deposit or getting into the market make sure you check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
If you want to bypass the pre learning and speak to me about your individual situation, please book a fee free meeting with me here - https://calendly.com/360mortgagesolutions]]>259firsthome,firsthomebuyer,settlementfalsefullEpisode 27 - First Home Buyers biggest mistakehttps://www.spreaker.com/episode/episode-27-first-home-buyers-biggest-mistake--51883088
Want to get the free - Three most common (and costly) mistakes First Home Buyers make? download it here https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>https://api.spreaker.com/episode/51883088Fri, 18 Nov 2022 01:10:01 +0000Maryanne ElliottWorking in the industry there are often common mistakes I see First Home Buyer's make that can sometime mean they are costing themselves more money or more time out of the market. So what is the most common mistake, check it out in this weeks episode....
Want to get the free - Three most common (and costly) mistakes First Home Buyers make? download it here https://mailchi.mp/1dfc0c01299f/top-3-mistakes]]>240finance,home,propertyfalsefullEpisode 26 - What you need to know about credit cards,https://www.spreaker.com/episode/episode-26-what-you-need-to-know-about-credit-cards--51781662Check out this weeks video where I take you through what you need to know if you have a credit card (or before you get one) to make sure you are saving money.
To book a fee free appointment with me check it out here https://calendly.com/360mortgagesolutions/video-conference
As always, for first home buyers, check out the online course I have put together that covers everything you need to know about buying your first home - https://courses.360mortgagesolutions.com.au/tfhbp/]]>https://api.spreaker.com/episode/51781662Thu, 10 Nov 2022 01:30:32 +0000Maryanne ElliottFor a lot of people, a credit card is a normal, everyday part of life but what so many people don’t know (and what the banks don’t want you to know) is using your credit card can at times put you further and further behind financially, and, it could...Check out this weeks video where I take you through what you need to know if you have a credit card (or before you get one) to make sure you are saving money.
To book a fee free appointment with me check it out here https://calendly.com/360mortgagesolutions/video-conference
As always, for first home buyers, check out the online course I have put together that covers everything you need to know about buying your first home - https://courses.360mortgagesolutions.com.au/tfhbp/]]>407falsefullEpisode 25 - Can I get a loan with Casual Employment?https://www.spreaker.com/episode/episode-25-can-i-get-a-loan-with-casual-employment--51605695If you want to chat more about your options, you can make a fee-free zoom appointment with me here - https://calendly.com/360mortgagesolutions/video-conference

Interested in the Free Budgeting template? make sure you check it out here -
https://mailchi.mp/063010ee66e7/budgeting-template]]>https://api.spreaker.com/episode/51605695Fri, 04 Nov 2022 01:36:58 +0000Maryanne ElliottMany clients tell me they do not qualify for a mortgage because they have casual employment, but the truth is not all lenders are the same with the same policies. If you want to chat more about your options, you can make a fee-free zoom appointment...If you want to chat more about your options, you can make a fee-free zoom appointment with me here - https://calendly.com/360mortgagesolutions/video-conference

Interested in the Free Budgeting template? make sure you check it out here -
https://mailchi.mp/063010ee66e7/budgeting-template]]>208falsefullEpisode 24 - How much deposit do I needhttps://www.spreaker.com/episode/episode-24-how-much-deposit-do-i-need--51520552I get asked by so many Frist Home Buyers what deposit they need to get into their first home, and to be honest, there are so many options it really depends.
This week I take you through the different options that work for Frist Home Buyers so you can see what might work for you.
If you want more help with your deposit or getting into the market, make sure you check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
If you want to bypass the pre-learning and speak to me about your individual situation, please book a fee-free meeting with me here - https://calendly.com/360mortgagesolutions/video-conference]]>https://api.spreaker.com/episode/51520552Fri, 14 Oct 2022 04:15:01 +0000Maryanne Elliotthttps://youtu.be/v_wT4BUH08Y I get asked by so many Frist Home Buyers what deposit they need to get into their first home, and to be honest, there are so many options it really depends. This week I take you through the different options that work for...I get asked by so many Frist Home Buyers what deposit they need to get into their first home, and to be honest, there are so many options it really depends.
This week I take you through the different options that work for Frist Home Buyers so you can see what might work for you.
If you want more help with your deposit or getting into the market, make sure you check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
If you want to bypass the pre-learning and speak to me about your individual situation, please book a fee-free meeting with me here - https://calendly.com/360mortgagesolutions/video-conference]]>384fhog,finance,firsthome,loansfalsefullEpisode 23 - Top 3 First Home Buying Mistakeshttps://www.spreaker.com/episode/episode-23-top-3-first-home-buying-mistakes--51412146
To get a free copy of your credit file head to https://www.equifax.com.au/personal/products

If you want to chat more about your options you can book a time with me here - https://calendly.com/360mortgagesolutions

If you want to get a step by step guide to help you on your home buying journey check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

If you want help to nail your budget then check out The Money Magnet course - https://courses.360mortgagesolutions.com.au/tmm/]]>https://api.spreaker.com/episode/51412146Thu, 29 Sep 2022 01:44:45 +0000Maryanne ElliottIn this episode I take you through the top 3 mistakes I see First Home Buyers make and how you can avoid them... To get a free copy of your credit file head to https://www.equifax.com.au/personal/products If you want to chat more about your...
To get a free copy of your credit file head to https://www.equifax.com.au/personal/products

If you want to chat more about your options you can book a time with me here - https://calendly.com/360mortgagesolutions

If you want to get a step by step guide to help you on your home buying journey check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/

If you want help to nail your budget then check out The Money Magnet course - https://courses.360mortgagesolutions.com.au/tmm/]]>343falsefullEpisode 22 - First Home Buying Schemehttps://www.spreaker.com/episode/episode-22-first-home-buying-scheme--51205959https://www.nhfic.gov.au/what-we-do/s...

If you want to know more you can book a free meeting with me here - https://calendly.com/360mortgagesolut...

If you want to know more about the First Home Buyers Program head here - https://courses.360mortgagesolutions....]]>https://api.spreaker.com/episode/51205959Fri, 09 Sep 2022 23:35:44 +0000Maryanne ElliottYou can find out more about the scheme here - https://www.nhfic.gov.au/what-we-do/s... If you want to know more you can book a free meeting with me here - https://calendly.com/360mortgagesolut... If you want to know more about the First Home...https://www.nhfic.gov.au/what-we-do/s...

If you want to know more you can book a free meeting with me here - https://calendly.com/360mortgagesolut...

If you want to know more about the First Home Buyers Program head here - https://courses.360mortgagesolutions....]]>307finance,firsthome,firsthomebuyingscheme,housefalsefullEpisode 21 - Property Reportshttps://www.spreaker.com/episode/episode-21-property-reports--51125215
I often get First Home Buyers asking me what they should offer on properties and the truth is, it really depends!

The best advice I can (and do) give is to look at the Property Report and use the information within it to guide you.

Want to know more about how to get into the market in the next 3 months, book a free zoom with me here - https://calendly.com/360mortgagesolutions/video-conference

Want to break into the market a little later? Check out The First Home Buyers Program so you can avoid the common mistakes #firsthomebuyers often make and start preparing for the journey now - https://courses.360mortgagesolutions.com.au/tfhbp/]]>https://api.spreaker.com/episode/51125215Fri, 02 Sep 2022 23:52:45 +0000Maryanne ElliottNeed a little help in the house hunting department? I often get First Home Buyers asking me what they should offer on properties and the truth is, it really depends! The best advice I can (and do) give is to look at the Property Report and use the...
I often get First Home Buyers asking me what they should offer on properties and the truth is, it really depends!

The best advice I can (and do) give is to look at the Property Report and use the information within it to guide you.

Want to know more about how to get into the market in the next 3 months, book a free zoom with me here - https://calendly.com/360mortgagesolutions/video-conference

Want to break into the market a little later? Check out The First Home Buyers Program so you can avoid the common mistakes #firsthomebuyers often make and start preparing for the journey now - https://courses.360mortgagesolutions.com.au/tfhbp/]]>365firsthome,househuntingfalsefullEpisode 20 - Saving money while the cost of living is increasinghttps://www.spreaker.com/episode/episode-20-saving-money-while-the-cost-of-living-is-increasing--50550960
To grab your FREE copy go here - http://eepurl.com/cDcltf

To find out more about The First Home Buyers Program click here - https://courses.360mortgagesolutions....
To find out more about 360 Mortgage Solutions head to our website - https://360mortgagesolutions.com.au/
To book a fee free meeting book directly into my calendar here - https://calendly.com/360mortgagesolut...]]>https://api.spreaker.com/episode/50550960Fri, 15 Jul 2022 00:10:01 +0000Maryanne ElliottThis week I talk about how, in the current market with inflation on the rise, you can plan and prepare to ensure you are still saving money. To grab your FREE copy go here - http://eepurl.com/cDcltf To find out more about The First Home Buyers...
To grab your FREE copy go here - http://eepurl.com/cDcltf

To find out more about The First Home Buyers Program click here - https://courses.360mortgagesolutions....
To find out more about 360 Mortgage Solutions head to our website - https://360mortgagesolutions.com.au/
To book a fee free meeting book directly into my calendar here - https://calendly.com/360mortgagesolut...]]>272budget,finance,homebuyer,money,templatefalsefullEpisode 19 - Issues with your building and pest report?https://www.spreaker.com/episode/episode-19-issues-with-your-building-and-pest-report--50506743
To find out more about 360 Mortgage Solutions head to our website - https://360mortgagesolutions.com.au/
To book a fee free meeting book directly into my calendar here - https://calendly.com/360mortgagesolutions
To find out more about The First Home Buyers Program click here - https://courses.360mortgagesolutions.com.au/tfhbp/]]>https://api.spreaker.com/episode/50506743Fri, 08 Jul 2022 06:24:57 +0000Maryanne ElliottThis week I take you through what options you have as a home buyer when your building and pest report comes back with issues. To find out more about 360 Mortgage Solutions head to our website - https://360mortgagesolutions.com.au/ To book a fee...
To find out more about 360 Mortgage Solutions head to our website - https://360mortgagesolutions.com.au/
To book a fee free meeting book directly into my calendar here - https://calendly.com/360mortgagesolutions
To find out more about The First Home Buyers Program click here - https://courses.360mortgagesolutions.com.au/tfhbp/]]>371falsefullEpisode 18 - What is covered in a meetinghttps://www.spreaker.com/episode/episode-18-what-is-covered-in-a-meeting--50403061
To get a copy of your FREE Home Buying Journey quiz head to https://mailchi.mp/ec40ac0739cb/homeb...

To find out more about The First Home Buyers Program head to https://courses.360mortgagesolutions....

To book an appointment with me to find out more head to https://calendly.com/360mortgagesolut...]]>https://api.spreaker.com/episode/50403061Wed, 29 Jun 2022 10:31:41 +0000Maryanne ElliottIn this episode I take you through the agenda I cover when meeting with my First Home Buyers. To get a copy of your FREE Home Buying Journey quiz head to https://mailchi.mp/ec40ac0739cb/homeb... To find out more about The First Home Buyers...
To get a copy of your FREE Home Buying Journey quiz head to https://mailchi.mp/ec40ac0739cb/homeb...

To find out more about The First Home Buyers Program head to https://courses.360mortgagesolutions....

To book an appointment with me to find out more head to https://calendly.com/360mortgagesolut...]]>394falsefullEpisode 17 - Should you consider Fixed or Variablehttps://www.spreaker.com/episode/episode-17-should-you-consider-fixed-or-variable--49867873To find out more about The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/
If you want a FREE copy of the Fixed Vs Variable spreadsheet email - maryanne@360mortgagesolutions.com.au
If you want to talk more about your options for you, make a fee free zoom appointment at - https://calendly.com/360mortgagesolutions/video-conference]]>https://api.spreaker.com/episode/49867873Fri, 20 May 2022 00:38:27 +0000Maryanne ElliottOne of the hardest decisions for a first home buyer (or any home owner with a mortgage) is should you go Fixed or Variable and with the market on the way up now is as important as ever to understand the difference and consider how to make the right...To find out more about The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/
If you want a FREE copy of the Fixed Vs Variable spreadsheet email - maryanne@360mortgagesolutions.com.au
If you want to talk more about your options for you, make a fee free zoom appointment at - https://calendly.com/360mortgagesolutions/video-conference]]>632fixed,interest,loans,rates,variablefalsefullEpisode 16 - The Six P's to your home buying journeyhttps://www.spreaker.com/episode/episode-16-the-six-p-s-to-your-home-buying-journey--46452920I share a recent client scenario where the clients preparation made her Home Buying Journey a stress free, successful one, and if you listen to the end, I have a special for you.

To check out The First Home Buyers Program go here - https://courses.360mortgagesolutions.com.au/tfhbp/]]>https://api.spreaker.com/episode/46452920Fri, 10 Sep 2021 01:48:49 +0000Maryanne ElliottIn this episode I talk about the importance of the 6 P's, (prior preparation prevents piss poor performance) I share a recent client scenario where the clients preparation made her Home Buying Journey a stress free, successful one, and if you listen...I share a recent client scenario where the clients preparation made her Home Buying Journey a stress free, successful one, and if you listen to the end, I have a special for you.

To check out The First Home Buyers Program go here - https://courses.360mortgagesolutions.com.au/tfhbp/]]>656finance,home,homeloan,loans,savingtruefullEpisode 15 - Check Your Credit Filehttps://www.spreaker.com/episode/episode-15-check-your-credit-file--45519079
You can get a free copy each year from here... https://www.equifax.com.au/personal/]]>https://api.spreaker.com/episode/45519079Wed, 07 Jul 2021 03:00:05 +0000Maryanne ElliottWant to get a copy of your credit file? You can get a free copy each year from here... https://www.equifax.com.au/personal/
You can get a free copy each year from here... https://www.equifax.com.au/personal/]]>391creditfile,firsthome,homeloanfalsefullEpisode 14 - How much Deposit Do I Needhttps://www.spreaker.com/episode/episode-14-how-much-deposit-do-i-need--45473399https://api.spreaker.com/episode/45473399Mon, 28 Jun 2021 03:37:31 +0000Maryanne Elliott436falsefullEpisode 13 - Government Grantshttps://www.spreaker.com/episode/episode-13-government-grants--44887210https://api.spreaker.com/episode/44887210Sun, 13 Jun 2021 22:16:03 +0000Maryanne ElliottIn this episode I talk about the Government Grants and how they can help you...351firsthomebuyer,governmentgrants,thefirsthomeloandepositschemefalsefullEpisode 12 - 3 Tips To Save Money This Christmashttps://www.spreaker.com/episode/episode-12-3-tips-to-save-money-this-christmas--44809198
In this Podcast I share my top 3 tips to save money and stay on budget this year.

If you would like to know more about budgeting and The Money Magnet then check it out here.

If you would like to get into your first home in 2021 them make sure you check out The First Home Buyers Program here.]]>4d234391-e9b3-4d4f-a277-78e4141133e8Sun, 29 Nov 2020 02:14:00 +0000Maryanne ElliottEveryone knows the silly season can be a challenge, and one of the biggest challenges for people is keeping on top of their finances over Christmas. In this Podcast I share my top 3 tips to save money and stay on budget this year. If you would...
In this Podcast I share my top 3 tips to save money and stay on budget this year.

If you would like to know more about budgeting and The Money Magnet then check it out here.

If you would like to get into your first home in 2021 them make sure you check out The First Home Buyers Program here.]]>260annual budget,budget,christmas shopping,first home buyer,save moneyfalsefullEpisode 11 - The $25,000 Homebuilder Grant and your Deposithttps://www.spreaker.com/episode/episode-11-the-25-000-homebuilder-grant-and-your-deposit--44809199
The $25k is a welcome grant for both First home buyers and existing buyers but there seems to be a slight issue when it comes to First home buyers and how they can use these funds.

The other First Home Buyer grants are, or can be, controlled by the Banks and lenders. This means, the bank can apply for the grant, collect the grant and forward the grant funds to pay onto the builder when the time comes.

The issue with the new grant is there is no ability for the Banks and Lenders to control the funds on behalf of the client, making them nervous to include them as funds to complete in your build.

The good news is , when I do a building loan for a client I always prefer to leave some funds left post build to put towards the little things that may not be included in the build contract but are necessary to make your house a home.

The other great option for the grant funds is to pay it back directly onto the loan. This will save you money on interest for the life of the loan!

If you want to chat more about your options you can book an appointment with me here - https://calendly.com/360mortgagesolutions

If you're wanting it get into the property market but have no idea where to start make sure you check out The First Home Buyer Program - https://360mortgagesolutions.com.au/onlinelearning/

To find out more about the Grant, if you qualify and the details head here - https://treasury.gov.au/coronavirus/homebuilder]]>f218a563-22d6-48e0-81f4-60cc8c90ee0aWed, 02 Sep 2020 06:15:00 +0000Maryanne ElliottThe $25,000.00 homebuilder grant was a post Covid grant founded by the Australian Government to help stimulate the property market, specifically the building industry and therefore the economy. The $25k is a welcome grant for both First home buyers...
The $25k is a welcome grant for both First home buyers and existing buyers but there seems to be a slight issue when it comes to First home buyers and how they can use these funds.

The other First Home Buyer grants are, or can be, controlled by the Banks and lenders. This means, the bank can apply for the grant, collect the grant and forward the grant funds to pay onto the builder when the time comes.

The issue with the new grant is there is no ability for the Banks and Lenders to control the funds on behalf of the client, making them nervous to include them as funds to complete in your build.

The good news is , when I do a building loan for a client I always prefer to leave some funds left post build to put towards the little things that may not be included in the build contract but are necessary to make your house a home.

The other great option for the grant funds is to pay it back directly onto the loan. This will save you money on interest for the life of the loan!

If you want to chat more about your options you can book an appointment with me here - https://calendly.com/360mortgagesolutions

If you're wanting it get into the property market but have no idea where to start make sure you check out The First Home Buyer Program - https://360mortgagesolutions.com.au/onlinelearning/

To find out more about the Grant, if you qualify and the details head here - https://treasury.gov.au/coronavirus/homebuilder]]>345first home buyer,first home buyer grant,first house,government grants,home depositfalsefullEpisode 10 - Superannuation withdrawals due to Covid 19https://www.spreaker.com/episode/episode-10-superannuation-withdrawals-due-to-covid-19--44809209
If you want to know more about getting into your own home you can book a FREE appoitment with me here - https://calendly.com/360mortgagesolutions

Or send me your question here - https://360mortgagesolutions.com.au/contact-us/]]>642030ee-ff38-440c-95eb-11da699a87efSat, 01 Aug 2020 00:37:00 +0000Maryanne ElliottIf you're thinking about, or have taken funds from your Superannuation as a result of COVID 19 then this is how the majority of banks and lenders view it... If you want to know more about getting into your own home you can book a FREE appoitment with...
If you want to know more about getting into your own home you can book a FREE appoitment with me here - https://calendly.com/360mortgagesolutions

Or send me your question here - https://360mortgagesolutions.com.au/contact-us/]]>183covid 19,finance,first home buyers,first loan,home loan,superannuation,super withdrawalfalsefullEpisode 9 - Are you stuck in the Credit Card Cycle?https://www.spreaker.com/episode/episode-9-are-you-stuck-in-the-credit-card-cycle--44809203I couldn't believe my luck, not only was I approved but to have access to that kind or limit was incredible... until my Branch Manager Leanne dragged me into her office to lower the limit instantly to a measly $2k.
At the time I didn't really understand why she was shocked and worked up about a $10k limit... the bank had completed the revilement checks and they had decided I could afford it so what was the big deal?
It wasn't long before that $2k limit was maxed out and I was caught in a cycle of paying a chunk off the credit card only to use it again, that $2k limit was pretty much the balance for the first few years of having a credit card.
After learning more about finances and how money works I learnt the 'trick' to credit cards... and that was (drum roll) its not my money, it's the banks money and when I used it, if I didn't pay it back within a certain time, I was paying a lot of interest.
You see I continued to see 'available funds' on my Net banking and thought of it as 'my money I had left to use' rather than seeing it for what it was, the Banks money.
I took the time to learn about how credit cards work and more importantly how the 'up to 55 days interest free' work and fast forward to today, I still have a credit card (discussions with the other half to close it leave him with heart palpitations so it's a work in progress) but I am happy to say it is no longer maxed out and we use it to our advantage not the banks.

Listen to the very end to hear my advice with credit cards...

To ask a question about your personal situation you can head to https://360mortgagesolutions.com.au/contact-us/
If you want to book a call with me to talk about your Finances you can book a time here https://calendly.com/360mortgagesolutions/firsthome
And if you want to get started on your First Home Buying Journey you can head here https://360-mortgage-solutions.teachable.com/]]>2eab9845-9628-47fb-9377-955347e9bdf4Thu, 30 Apr 2020 21:37:00 +0000Maryanne ElliottI remember when I first got my credit card approved, I had just started working for a major bank as a part time bank teller and the approval letter came in the mail with a $10k limit. I couldn't believe my luck, not only was I approved but to have...I couldn't believe my luck, not only was I approved but to have access to that kind or limit was incredible... until my Branch Manager Leanne dragged me into her office to lower the limit instantly to a measly $2k.
At the time I didn't really understand why she was shocked and worked up about a $10k limit... the bank had completed the revilement checks and they had decided I could afford it so what was the big deal?
It wasn't long before that $2k limit was maxed out and I was caught in a cycle of paying a chunk off the credit card only to use it again, that $2k limit was pretty much the balance for the first few years of having a credit card.
After learning more about finances and how money works I learnt the 'trick' to credit cards... and that was (drum roll) its not my money, it's the banks money and when I used it, if I didn't pay it back within a certain time, I was paying a lot of interest.
You see I continued to see 'available funds' on my Net banking and thought of it as 'my money I had left to use' rather than seeing it for what it was, the Banks money.
I took the time to learn about how credit cards work and more importantly how the 'up to 55 days interest free' work and fast forward to today, I still have a credit card (discussions with the other half to close it leave him with heart palpitations so it's a work in progress) but I am happy to say it is no longer maxed out and we use it to our advantage not the banks.

Listen to the very end to hear my advice with credit cards...

To ask a question about your personal situation you can head to https://360mortgagesolutions.com.au/contact-us/
If you want to book a call with me to talk about your Finances you can book a time here https://calendly.com/360mortgagesolutions/firsthome
And if you want to get started on your First Home Buying Journey you can head here https://360-mortgage-solutions.teachable.com/]]>358credit card debt,credit card help,first home buyer,first home owner,first time buyer,home loanfalsefullEpisode 8 - The 4 steps to setting a Budget that actually workshttps://www.spreaker.com/episode/episode-8-the-4-steps-to-setting-a-budget-that-actually-works--44809214
We all know the importance of setting a budget, whether you're saving for a specific goal or just want to get into a good saving pattern for your future there's never a bad time to set a budget.
The hardest part of setting a budget is knowing what to do, how to do it and what to do once you set a budget.
In this blog post I break down Budgeting into 4 easy steps, 1. Set your Goal. 2. Gather your current data, 3. Pick your Budgeting Technique and finally 4. Track your success.

•Set your GoalThis is the obvious first step true, but rather than just taking time to write down what your goal is, take the time to consider why this is your goal. Once you have a clear picture what you want and WHY that is important to you it can be a lot easier to stay on track.

You might also like to write your why in places you can see it often (for example a post it note on your credit card) this will help to remind you of what's important to you.
2. Gather your current data
A lot like a weight loss plan, you will need to look at what is currently happening with your finances. The easiest way I find is to go back through your bank accounts for the past 6 months to look at where your money has gone.
This will also help you to see any patterns that may be forming, perhaps you notice an old gym membership still coming out of your account or a direct debit is set up incorrectly costing you an overdrawing fee each month.

To read the full blog post head to https://360mortgagesolutions.com.au/the-4-steps-to-setting-a-budget-that-actually-works/

In Summary;
Don't be concerned about the various Budgeting Techniques, the most important thing you can do is to start. Start today and start at Step 1. Setting your goal. The sooner you start, the closer you will be to reaching your goal.
If you would like to know more about Budgeting Techniques, including different spreadsheets to help you Track your budget and your goal then make sure you register your interest for The Savings Facilitator set to launch later this year.

You will get access before the official launch, your access will be free of charge and you will also get an opportunity to share feedback.
To register your interest click here.]]>bd6289fb-2630-47dc-aa60-b4ef92c0ab0aTue, 18 Feb 2020 01:45:00 +0000Maryanne ElliottLink to Pre-register: https://mailchi.mp/d7d110fee0cb/watpimn We all know the importance of setting a budget, whether you're saving for a specific goal or just want to get into a good saving pattern for your future there's never a bad time to set a...
We all know the importance of setting a budget, whether you're saving for a specific goal or just want to get into a good saving pattern for your future there's never a bad time to set a budget.
The hardest part of setting a budget is knowing what to do, how to do it and what to do once you set a budget.
In this blog post I break down Budgeting into 4 easy steps, 1. Set your Goal. 2. Gather your current data, 3. Pick your Budgeting Technique and finally 4. Track your success.

•Set your GoalThis is the obvious first step true, but rather than just taking time to write down what your goal is, take the time to consider why this is your goal. Once you have a clear picture what you want and WHY that is important to you it can be a lot easier to stay on track.

You might also like to write your why in places you can see it often (for example a post it note on your credit card) this will help to remind you of what's important to you.
2. Gather your current data
A lot like a weight loss plan, you will need to look at what is currently happening with your finances. The easiest way I find is to go back through your bank accounts for the past 6 months to look at where your money has gone.
This will also help you to see any patterns that may be forming, perhaps you notice an old gym membership still coming out of your account or a direct debit is set up incorrectly costing you an overdrawing fee each month.

To read the full blog post head to https://360mortgagesolutions.com.au/the-4-steps-to-setting-a-budget-that-actually-works/

In Summary;
Don't be concerned about the various Budgeting Techniques, the most important thing you can do is to start. Start today and start at Step 1. Setting your goal. The sooner you start, the closer you will be to reaching your goal.
If you would like to know more about Budgeting Techniques, including different spreadsheets to help you Track your budget and your goal then make sure you register your interest for The Savings Facilitator set to launch later this year.

You will get access before the official launch, your access will be free of charge and you will also get an opportunity to share feedback.
To register your interest click here.]]>436budgeting,financially savvy,save money,successful budgetfalsefullEpisode 7 - What First home Buyers Need To Know When They Are Renting Whilst House Hunting...https://www.spreaker.com/episode/episode-7-what-first-home-buyers-need-to-know-when-they-are-renting-whilst-house-hunting--44809202In this episode I talk to Kristin from Street Ninety Nine about what she recommends her tenants do to make sure everyone is happy and you make the transition from renting to owning as simple (and cost effective) as possible.

To find out more about your borrowing power book a one on one phone call with me here: https://360mortgagesolutions.com.au/contact-us/
To find out more about The First Home Buyers Program head here: https://360-mortgage-solutions.teachable.com/p/the-first-home-buyer-s-program
To find out more about Kristin and Street Ninety Nine click here: http://streetninetynine.com.au/

If you have a topic you would like me to cover, please send me an email (maryanne@360mortgagesolutions.com.au) with your question or topic and I can make sure to include it.]]>758b729e-ca26-46f0-b65d-bce02eb294fdFri, 14 Feb 2020 03:48:00 +0000Maryanne ElliottI get asked by First Home Buyers so many questions about renting and how/when to let your Landlord know you're buying a home, what happens if you are in the middle of your lease and much more. In this episode I talk to Kristin from Street Ninety Nine...In this episode I talk to Kristin from Street Ninety Nine about what she recommends her tenants do to make sure everyone is happy and you make the transition from renting to owning as simple (and cost effective) as possible.

To find out more about your borrowing power book a one on one phone call with me here: https://360mortgagesolutions.com.au/contact-us/
To find out more about The First Home Buyers Program head here: https://360-mortgage-solutions.teachable.com/p/the-first-home-buyer-s-program
To find out more about Kristin and Street Ninety Nine click here: http://streetninetynine.com.au/

If you have a topic you would like me to cover, please send me an email (maryanne@360mortgagesolutions.com.au) with your question or topic and I can make sure to include it.]]>451first home buyers,leases,rentingfalsefullEpisode 6 - 'First Home Buyers are not prepared' advice for First Home Buyers direct form The Bank.https://www.spreaker.com/episode/episode-6-first-home-buyers-are-not-prepared-advice-for-first-home-buyers-direct-form-the-bank--44809216
Sam shares with us the most common hurdle she sees in First Home Buyer Applications and what you can do to prepare yourself for your big purchase.

Don't forget, The First Home Buyer Program is now live and you can get access here https://360-mortgage-solutions.teachable.com/p/the-first-home-buyer-s-program]]>181e593f-48c0-4720-8882-efce0d9b3d57Wed, 29 Jan 2020 22:05:00 +0000Maryanne ElliottIn this episode I talk to Sam who has worked in the Finance industry for years, the majority of those years has been with one of Australia's largest Banks Commonwealth Bank. Sam shares with us the most common hurdle she sees in First Home Buyer...
Sam shares with us the most common hurdle she sees in First Home Buyer Applications and what you can do to prepare yourself for your big purchase.

Don't forget, The First Home Buyer Program is now live and you can get access here https://360-mortgage-solutions.teachable.com/p/the-first-home-buyer-s-program]]>299budgeting,first home buyer,pay day loansfalsefullEpisode 5 - The 4 proven steps to guarantee you're buyer ready in 2020?https://www.spreaker.com/episode/episode-5-the-4-proven-steps-to-guarantee-you-re-buyer-ready-in-2020--44809218
This episode we look at the 4 proven steps to guarantee you're buyer ready in 2020,

With all the First Home Buyers I meet, there is a common theme. The theme is, they have spent the last few months (and sometimes years) doing 'How much can I borrow' calculators, they have spent time working though different blogs to learn what deposit they need and they even consult with family and friends to get an idea of what to do when. However, despite all of this research and investigating, they are left thinking...
How does this all piece together?
What does this mean for me?
Now What?

There is so much you need to know when you are buying your first home. Sure, there are some that take a 'she'll be right attitude, although this is not recommended, particularly when buying a home is one of the largest purchase most people make in their lifetime. I typically find, those clients who have put the time, and effort in to getting their head around the most important aspects of buying a home, not only make the home buying journey easier, with less stress, but they also set themselves up for future financial success. I have, in the past, seen some First Home Buyers, cost themselves thousands because they didn't take the time to understand what they were doing
So what are the 4 proven steps to guarantee you're buyer ready in 2020?
The truth is, your Home Buying Journey starts well before you start house hunting. In fact, your home buying journey starts, at least 12 to 24 months (or more) before you're ready to start knocking over those #Saturdayopenhomes.
The 4 proven steps to guarantee you're buyer ready in 2020?

•Set your Deposit Goal
•Know your Budget and actively review it
•Research and talk to the expert
•Fully Assessed Pre-approvalStep 1. Set your Deposit Goal
"Setting Goals is the first step in turning the invisible into the visible" Tony Robbins

It's so cliche I know, but it's true. If you have the goal of getting into your first home, then you need to set a goal around how much, of what and by when. This can help to motivate and inspire you but most of all, it will help you to know what the plan needs to be, to help you get to that goal.
The deposit goal is the best place to start... it will help you to work out how much you need to be saving between now and when you want to purchase your new home.
If you need more information on Goal Setting you can head here to read
Golden Rules of Goal Setting - Five Rules to Set Yourself Up for Success.
Here are some things you will need to consider, when setting your Deposit Goal;

•What is the price range you are looking to buy for?
•How much deposit do you need to get into your home?
•What are the government costs you will need to include?
•What is the time frame you are aiming for?
•What are the other costs such as Lenders Mortgage Insurance that you need to consider?These are just some of the questions you need to consider but if you're reading this thinking... 'I have no idea where to start' then the good news is, by completing The First Home Buyers Program, you will set your own personalised Deposit Goal, which will leave you with a very clear and personalised Deposit Goal. To find out more about The First Home Buyers Program...]]>33874286-f68b-480f-b85e-1d0d4939e4f2Wed, 04 Dec 2019 05:16:00 +0000Maryanne ElliottYou can find out more about The First Home Buyers Program here: https://360-mortgage-solutions.teachable.com/ This episode we look at the 4 proven steps to guarantee you're buyer ready in 2020, With all the First Home Buyers I meet, there is a...
This episode we look at the 4 proven steps to guarantee you're buyer ready in 2020,

With all the First Home Buyers I meet, there is a common theme. The theme is, they have spent the last few months (and sometimes years) doing 'How much can I borrow' calculators, they have spent time working though different blogs to learn what deposit they need and they even consult with family and friends to get an idea of what to do when. However, despite all of this research and investigating, they are left thinking...
How does this all piece together?
What does this mean for me?
Now What?

There is so much you need to know when you are buying your first home. Sure, there are some that take a 'she'll be right attitude, although this is not recommended, particularly when buying a home is one of the largest purchase most people make in their lifetime. I typically find, those clients who have put the time, and effort in to getting their head around the most important aspects of buying a home, not only make the home buying journey easier, with less stress, but they also set themselves up for future financial success. I have, in the past, seen some First Home Buyers, cost themselves thousands because they didn't take the time to understand what they were doing
So what are the 4 proven steps to guarantee you're buyer ready in 2020?
The truth is, your Home Buying Journey starts well before you start house hunting. In fact, your home buying journey starts, at least 12 to 24 months (or more) before you're ready to start knocking over those #Saturdayopenhomes.
The 4 proven steps to guarantee you're buyer ready in 2020?

•Set your Deposit Goal
•Know your Budget and actively review it
•Research and talk to the expert
•Fully Assessed Pre-approvalStep 1. Set your Deposit Goal
"Setting Goals is the first step in turning the invisible into the visible" Tony Robbins

It's so cliche I know, but it's true. If you have the goal of getting into your first home, then you need to set a goal around how much, of what and by when. This can help to motivate and inspire you but most of all, it will help you to know what the plan needs to be, to help you get to that goal.
The deposit goal is the best place to start... it will help you to work out how much you need to be saving between now and when you want to purchase your new home.
If you need more information on Goal Setting you can head here to read
Golden Rules of Goal Setting - Five Rules to Set Yourself Up for Success.
Here are some things you will need to consider, when setting your Deposit Goal;

•What is the price range you are looking to buy for?
•How much deposit do you need to get into your home?
•What are the government costs you will need to include?
•What is the time frame you are aiming for?
•What are the other costs such as Lenders Mortgage Insurance that you need to consider?These are just some of the questions you need to consider but if you're reading this thinking... 'I have no idea where to start' then the good news is, by completing The First Home Buyers Program, you will set your own personalised Deposit Goal, which will leave you with a very clear and personalised Deposit Goal. To find out more about The First Home Buyers Program...]]>421budgeting,finance,first home buyer,first time home buyer,house hunting,how to buy a home,mortgages,steps to buy a homefalsefullEpisode 4 - How First Home Buyers could be risking thousands of dollars on their First home purchasehttps://www.spreaker.com/episode/episode-4-how-first-home-buyers-could-be-risking-thousands-of-dollars-on-their-first-home-purchase--44809211e127c7a7-b5f5-4b14-aeb8-ac60f3edf4e6Mon, 21 Oct 2019 00:00:00 +0000Maryanne ElliottOn this episode I met with Les from Resi Inspections to talk about Build and Pest inspections and why they are so important when buying your home.671building and pest inspection,finance,first home,first home buyer,first house buyer,home loansfalsefullEpisode 3 - 3 Killer Hacks to get you 'Buyer Ready in 2020'https://www.spreaker.com/episode/episode-3-3-killer-hacks-to-get-you-buyer-ready-in-2020--44809221
I was so excited when the amazing Therese O'Neill ( https://www.instagram.com/therese_adviser.mentor/ ) agreed to come on this episode of The First Home Buyers Program Podcast, because not only is she full of amazing ideas but just listening to her is motivational!

Therese O'Neill is a Coach, Mentor and Key note speaker and she has been in the Financial industry now for over 20 years.

In this podcast episode, Therese shares her top 3 killer hacks to help First Home Buyers be ready in 2020 and how they can save enough deposit to get into their home.

Just listening to Therese is motivation enough, put one (or better yet all three) hacks into place and you will be turning the key to your First Home sooner than you thought!

To grab your own copy of HEM (from hack one) head here https://m.me/360mortgagesolutions?ref=w7688496

If you want to join the Facebook group and pledge your 30 day challenge (from hack three) head here https://www.facebook.com/groups/2341125536203587/]]>fea226e3-8a5f-4333-8876-984c6aa5d216Thu, 03 Oct 2019 10:15:00 +0000Maryanne ElliottIf you want to be Buyer Ready in 2020 them this is the Podcast to listen to! I was so excited when the amazing Therese O'Neill ( https://www.instagram.com/therese_adviser.mentor/ ) agreed to come on this episode of The First Home Buyers Program...
I was so excited when the amazing Therese O'Neill ( https://www.instagram.com/therese_adviser.mentor/ ) agreed to come on this episode of The First Home Buyers Program Podcast, because not only is she full of amazing ideas but just listening to her is motivational!

Therese O'Neill is a Coach, Mentor and Key note speaker and she has been in the Financial industry now for over 20 years.

In this podcast episode, Therese shares her top 3 killer hacks to help First Home Buyers be ready in 2020 and how they can save enough deposit to get into their home.

Just listening to Therese is motivation enough, put one (or better yet all three) hacks into place and you will be turning the key to your First Home sooner than you thought!

To grab your own copy of HEM (from hack one) head here https://m.me/360mortgagesolutions?ref=w7688496

If you want to join the Facebook group and pledge your 30 day challenge (from hack three) head here https://www.facebook.com/groups/2341125536203587/]]>948buyer ready in 2020,deposit saving,first home buyers,the first home buyers programfalsefullEpisode 2 - Family Guaranteehttps://www.spreaker.com/episode/episode-2-family-guarantee--44809224More specifically I go through why you would use Family Guarantee, how we can protect the guarantor as much as possible and how to structure your Family Guarantee loan.
If you haven't already make sure to join the Facebook group; https://www.facebook.com/groups/2341125536203587/ so you can join the conversation, post questions and get discounted offers for the First Home Buyer's Program when it launches in November 2019

Want to chat direct? you can book a time with me https://calendly.com/360mortgagesolutions or contact me https://360mortgagesolutions.com.au/contact-us/
If you want to hear more from me follow me on my Social Media;
https://www.youtube.com/channel/UCtDVZJ3Vt3bIvuU0etw66ug
https://www.instagram.com/360mortgagesolutions/
https://www.linkedin.com/in/maryanne-elliott-5a5787b4/
https://www.facebook.com/360mortgagesolutions/]]>59fcdcb8-7892-4310-9a89-3cb36b15b50bThu, 05 Sep 2019 02:36:00 +0000Maryanne ElliottIn this episode I talk about Family Guarantee. More specifically I go through why you would use Family Guarantee, how we can protect the guarantor as much as possible and how to structure your Family Guarantee loan. If you haven't already make sure...More specifically I go through why you would use Family Guarantee, how we can protect the guarantor as much as possible and how to structure your Family Guarantee loan.
If you haven't already make sure to join the Facebook group; https://www.facebook.com/groups/2341125536203587/ so you can join the conversation, post questions and get discounted offers for the First Home Buyer's Program when it launches in November 2019

Want to chat direct? you can book a time with me https://calendly.com/360mortgagesolutions or contact me https://360mortgagesolutions.com.au/contact-us/
If you want to hear more from me follow me on my Social Media;
https://www.youtube.com/channel/UCtDVZJ3Vt3bIvuU0etw66ug
https://www.instagram.com/360mortgagesolutions/
https://www.linkedin.com/in/maryanne-elliott-5a5787b4/
https://www.facebook.com/360mortgagesolutions/]]>465family support,first home buyer,home loan deposit,lenders mortgage insurancefalsefullEpisode 1 - Pay Day Loans - what you need to knowhttps://www.spreaker.com/episode/episode-1-pay-day-loans-what-you-need-to-know--44809223I will explain how Banks and Lenders view 'pay day loans' and what you can do to avoid them.]]>2c546716-5644-4ea2-8d32-f678439db262Tue, 27 Aug 2019 03:35:00 +0000Maryanne ElliottIf you're thinking about getting a home loan (or any type of loan) in the near future then make sure you check out this podcast. I will explain how Banks and Lenders view 'pay day loans' and what you can do to avoid them.I will explain how Banks and Lenders view 'pay day loans' and what you can do to avoid them.]]>447budgeting,first home,first home australia,first home buyer,home loans,money,money successfalsefull