Dollars & Distractions

Dollars & Distractionshttps://www.spreaker.com/podcast/dollars-distractions--6890372

How much you can actually borrow

What banks really look at when assessing home loans

First home buyer tips in Australia

Saving strategies that actually work

Fixed vs variable rate decisions

Money habits, behaviour and mindset

Financial confidence for women

The emotional side of buying property

And because we’re human (and slightly distraction-prone), you’ll also hear the tangents — client stories, real estate drama, relationship money conversations and the behind-the-scenes reality of being mortgage brokers. If you’re:
✔ A first home buyer in Australia
✔ Unsure about your borrowing power
✔ Trying to save a house deposit
✔ Feeling financially behind
✔ Wanting clearer money strategy
✔ Or just love honest, unfiltered finance conversations This podcast is for you. We believe financial confidence doesn’t come from knowing everything — it comes from clarity and action. New episodes weekly. Because money doesn’t respond to chaos — it responds to clarity.]]>enEducationCopyright Maryanne Elliotthttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/35e4f82bc7edd15a9bb7eaa5a33f9bd8.jpgDollars & Distractionshttps://www.spreaker.com/podcast/dollars-distractions--6890372Wed, 19 Aug 2026 00:12:47 +0000Maryanne ElliottMaryanne Elliottinfo@360mortgagesolutions.com.au🎙️ Dollars & Distractions – Podcast Description (SEO Optimised) Welcome to Dollars & Distractions, the Australian money and property podcast hosted by two mortgage brokers who believe financial conversations shouldn’t feel intimidating. Each...

How much you can actually borrow

What banks really look at when assessing home loans

First home buyer tips in Australia

Saving strategies that actually work

Fixed vs variable rate decisions

Money habits, behaviour and mindset

Financial confidence for women

The emotional side of buying property

And because we’re human (and slightly distraction-prone), you’ll also hear the tangents — client stories, real estate drama, relationship money conversations and the behind-the-scenes reality of being mortgage brokers. If you’re:
✔ A first home buyer in Australia
✔ Unsure about your borrowing power
✔ Trying to save a house deposit
✔ Feeling financially behind
✔ Wanting clearer money strategy
✔ Or just love honest, unfiltered finance conversations This podcast is for you. We believe financial confidence doesn’t come from knowing everything — it comes from clarity and action. New episodes weekly. Because money doesn’t respond to chaos — it responds to clarity.]]>falsee3722cf0-d905-5cf6-97a9-9610d4c526f6episodicDollars & Distractions - Episode 23 Separation, Money & Financial Independence: What Every Couple Should Knowhttps://www.spreaker.com/episode/dollars-distractions-episode-23-separation-money-financial-independence-what-every-couple-should-know--74043690
In this episode of Dollars & Distractions, Marianne and Bec talk about relationships, separation, financial independence and why both people in a relationship should understand what's happening with their money.
We talk about how quickly a strong financial position can change after separation.
Once property, assets and debts are divided, someone who thought they were approaching the financially comfortable stage of life can suddenly find themselves taking on a new mortgage or effectively starting again.
We also explore why financial independence doesn't mean expecting your relationship to fail.It's about being involved.Know what you're signing. Understand your mortgage.
Know what accounts you have, where your money goes and what financial decisions you're making together.In this episode, we chat about:

The financial impact of separation and divorce
Starting again financially later in life
Why both partners need to understand the household finances
Financial independence within a relationship
BFAs and conversations about protecting assets
Why one person shouldn't automatically control all the finances
How our childhood experiences influence our relationship with money
Talking about mortgages and money with our kids
Different spending and saving personalities within relationships
Finding the balance between building wealth and enjoying your life
Why there should be no embarrassment in asking for financial help during separation

The financial impact of separation and divorce
Starting again financially later in life
Why both partners need to understand the household finances
Financial independence within a relationship
BFAs and conversations about protecting assets
Why one person shouldn't automatically control all the finances
How our childhood experiences influence our relationship with money
Talking about mortgages and money with our kids
Different spending and saving personalities within relationships
Finding the balance between building wealth and enjoying your life
Why there should be no embarrassment in asking for financial help during separation

Plus, in true Dollars & Distractions fashion, we somehow find time for chin hairs, KFC, settlement gifts, secret families, kids who desperately need to buy something at the shops, and Maryanne's first home that apparently looked a little bit like a caravan.

The big takeaway from this episode is simple:
Be financially educated. Be involved. Have a say in your financial decisions.You don't need to live expecting the worst to happen, but understanding your own financial position is an important part of financial independence.
And if life doesn't go according to plan, don't be afraid to start a conversation about what comes next.
🎙️ Dollars & DistractionsIdeas all the time. We might get distracted, but we're building wealth just fine.]]>1924falsefullDollars & Distractions - Episode 22 What Financial Advice Would We Give Our 25-Year-Old Selves?https://www.spreaker.com/episode/dollars-distractions-episode-22-what-financial-advice-would-we-give-our-25-year-old-selves--73831741
In this episode of Dollars and Distractions, Maryanne and Bec look back at their 20s and chat about the money lessons they wish they had learned earlier.

From buying property and trying to keep up with friends, to learning that appearances don't always reflect someone's true financial position, this episode is a reminder that everyone's financial journey looks different.

Maryanne and Bec chat about why even small amounts of savings can add up over time, why there's no single "right" way to build wealth, and how our upbringing and experiences can shape the way we think about money, investing and risk.

They also explore something that can have an even bigger impact than the numbers, money mindset.Sometimes the biggest financial shift comes from changing what you believe is possible for yourself, taking calculated risks and being open to opportunities that might initially feel outside your comfort zone.

In this episode:
• The financial advice we'd give our 25-year-old selves
• Why keeping up with the Joneses can hurt your finances
• Why looking wealthy and being wealthy aren't the same thing
• How small savings can make a big difference over time
• Property, shares, businesses and different ways to build wealth
• Why social media can sometimes make financial decisions more confusing
• The importance of choosing financial goals that suit your life
• How your upbringing can influence your relationship with money and risk
• Changing your money mindset and challenging your own financial ceiling
• Why taking the right opportunities can change your financial future

And because this is Dollars and Distractions, the conversation naturally gets a little distracted along the way, including ageing, grey eyebrows, chin hairs and the terrifying realisation that maybe we're not 25 anymore. 😂

The biggest takeaway?
You don't need to have everything figured out. Have a goal, stop comparing your journey to everyone else's and don't be afraid to take an opportunity when it comes your way.

🎧 Follow Dollars and Distractions on Spotify so you don't miss the next episode.
Dollars and Distractions - More money, more mindset, no holding back.]]>https://api.spreaker.com/episode/73831741Wed, 12 Aug 2026 02:08:54 +0000Maryanne ElliottIf you could sit down with your 25-year-old self and give them some financial advice, what would you say? In this episode of Dollars and Distractions, Maryanne and Bec look back at their 20s and chat about the money lessons they wish they had learned...
In this episode of Dollars and Distractions, Maryanne and Bec look back at their 20s and chat about the money lessons they wish they had learned earlier.

From buying property and trying to keep up with friends, to learning that appearances don't always reflect someone's true financial position, this episode is a reminder that everyone's financial journey looks different.

Maryanne and Bec chat about why even small amounts of savings can add up over time, why there's no single "right" way to build wealth, and how our upbringing and experiences can shape the way we think about money, investing and risk.

They also explore something that can have an even bigger impact than the numbers, money mindset.Sometimes the biggest financial shift comes from changing what you believe is possible for yourself, taking calculated risks and being open to opportunities that might initially feel outside your comfort zone.

In this episode:
• The financial advice we'd give our 25-year-old selves
• Why keeping up with the Joneses can hurt your finances
• Why looking wealthy and being wealthy aren't the same thing
• How small savings can make a big difference over time
• Property, shares, businesses and different ways to build wealth
• Why social media can sometimes make financial decisions more confusing
• The importance of choosing financial goals that suit your life
• How your upbringing can influence your relationship with money and risk
• Changing your money mindset and challenging your own financial ceiling
• Why taking the right opportunities can change your financial future

And because this is Dollars and Distractions, the conversation naturally gets a little distracted along the way, including ageing, grey eyebrows, chin hairs and the terrifying realisation that maybe we're not 25 anymore. 😂

The biggest takeaway?
You don't need to have everything figured out. Have a goal, stop comparing your journey to everyone else's and don't be afraid to take an opportunity when it comes your way.

🎧 Follow Dollars and Distractions on Spotify so you don't miss the next episode.
Dollars and Distractions - More money, more mindset, no holding back.]]>1698falsefullDollars & Distractions - Episode 21 The Hidden Costs of Buying a Home Nobody Warns You Abouthttps://www.spreaker.com/episode/dollars-distractions-episode-21-the-hidden-costs-of-buying-a-home-nobody-warns-you-about--73582473
This week, Bec shares her real life experience of settling into her new home, and it's safe to say that even working in the finance industry didn't prepare her for some of the unexpected costs that popped up along the way.

From surprise cleaning invoices and rental exit fees to mortgage repayments, hidden settlement costs and why having a financial buffer matters more than ever, this episode is full of practical lessons for anyone planning to buy a home.

Of course, because it's Dollars & Distractions, we also wander into conversations about housing affordability, the cost of living, homelessness, and why saving money isn't just about buying a house, it's about creating security.In this episode we chat about:

Bec's journey from renter to homeowner.
The hidden costs that come with moving house.
Why buying a property costs much more than just your deposit.
Unexpected settlement expenses that can catch buyers off guard.
The importance of keeping a cash buffer after settlement.
Why your first mortgage repayment might not be when you think it is.
Budgeting tips every first home buyer should know.
A frustrating story about an unauthorised carpet cleaning invoice.
The rising cost of living and how quickly financial circumstances can change.
Why saving more than you think you'll need can make all the difference.

Key takeawayThe deposit is only the beginning.Whether you're buying your first home or your third, there will almost always be unexpected expenses. The more you can save before settlement, the less stressful those surprises become.

Having a financial buffer gives you options, peace of mind, and helps you enjoy your new home instead of worrying about every unexpected bill.Free ResourceNeed help getting your savings on track?
We have a free budgeting template that can help you understand where your money is going and build your home deposit faster.Simply reach out and we'll send you a copy.

Connect with usIf you enjoyed this episode, we'd love it if you subscribed, left a review, or shared it with someone who's thinking about buying a home.Have a question or a topic you'd like us to cover in a future episode? Get in touch, we'd love to hear from you!]]>https://api.spreaker.com/episode/73582473Thu, 06 Aug 2026 23:15:24 +0000Maryanne ElliottBuying a home is exciting, but what happens after the contract goes unconditional? This week, Bec shares her real life experience of settling into her new home, and it's safe to say that even working in the finance industry didn't prepare her for...
This week, Bec shares her real life experience of settling into her new home, and it's safe to say that even working in the finance industry didn't prepare her for some of the unexpected costs that popped up along the way.

From surprise cleaning invoices and rental exit fees to mortgage repayments, hidden settlement costs and why having a financial buffer matters more than ever, this episode is full of practical lessons for anyone planning to buy a home.

Of course, because it's Dollars & Distractions, we also wander into conversations about housing affordability, the cost of living, homelessness, and why saving money isn't just about buying a house, it's about creating security.In this episode we chat about:

Bec's journey from renter to homeowner.
The hidden costs that come with moving house.
Why buying a property costs much more than just your deposit.
Unexpected settlement expenses that can catch buyers off guard.
The importance of keeping a cash buffer after settlement.
Why your first mortgage repayment might not be when you think it is.
Budgeting tips every first home buyer should know.
A frustrating story about an unauthorised carpet cleaning invoice.
The rising cost of living and how quickly financial circumstances can change.
Why saving more than you think you'll need can make all the difference.

Key takeawayThe deposit is only the beginning.Whether you're buying your first home or your third, there will almost always be unexpected expenses. The more you can save before settlement, the less stressful those surprises become.

Having a financial buffer gives you options, peace of mind, and helps you enjoy your new home instead of worrying about every unexpected bill.Free ResourceNeed help getting your savings on track?
We have a free budgeting template that can help you understand where your money is going and build your home deposit faster.Simply reach out and we'll send you a copy.

Connect with usIf you enjoyed this episode, we'd love it if you subscribed, left a review, or shared it with someone who's thinking about buying a home.Have a question or a topic you'd like us to cover in a future episode? Get in touch, we'd love to hear from you!]]>1906falsefullDollars & Distractions - Episode 20 Bank Jargon Explained: LVR, LMI, Offset Accounts, Redraw & More (Without the Confusing Finance Speak)https://www.spreaker.com/episode/dollars-distractions-episode-20-bank-jargon-explained-lvr-lmi-offset-accounts-redraw-more-without-the-confusing-finance-speak--73121500
LVR... LMI... PAYG... DTI... P&I...

If you've ever nodded along pretending you understood, this episode is for you. In this episode of Dollars & Distractions, Maryanne and Bec break down some of the most common mortgage and banking terms into simple, everyday language without the finance jargon.
Whether you're buying your first home, refinancing, investing or just trying to understand your mortgage a little better, this episode will help you feel far more confident when talking to lenders, brokers and banks. (You'll also hear why Maryanne nearly forgot to record... again.)

In this episode we cover:

What Lender's Mortgage Insurance (LMI) actually is—and why it protects the bank, not you.
How to calculate your Loan to Value Ratio (LVR) and why it affects your interest rate.
Why reaching 60% LVR can unlock better pricing with many lenders.
What PAYG really means and why brokers ask about it.
Understanding Debt to Income Ratio (DTI) and why lenders care.
What HEM (Household Expenditure Measure) is and how banks assess your living expenses.
Why budgeting matters—even if the bank says you can borrow more.
The difference between Principal & Interest (P&I) and Interest Only loans.
Offset accounts vs redraw facilities—which one is right for you?
Why multiple offset accounts can make managing your money much easier.
What a Binding Financial Agreement (BFA) is and why they're becoming more common for blended families.

Why this matters

The mortgage process can feel overwhelming enough without trying to learn a completely new language. Our goal is to explain finance in plain English so you can make confident decisions about your money and your home loan without feeling intimidated by industry jargon.

The more you understand, the better decisions you'll make. Resources Mentioned

Free Budget Planner (mentioned in this episode)
Home Loan Health Checks
First Home Buyer Education Resources
Mortgage Broker Consultations Australia-wide

Connect with 360 Mortgage Solutions

If you'd like personalised advice or simply want someone to explain your options without the confusing bank terminology, we'd love to help.
🌐 https://www.360ms.com.au
📱 Follow 360 Mortgage Solutions on Facebook, Instagram, TikTok and YouTube for weekly home loan tips and property education.

Confused by mortgage jargon? Learn what LVR, LMI, offset accounts, redraw, PAYG, DTI and more actually mean in this easy-to-understand episode of Dollars & Distractions.]]>https://api.spreaker.com/episode/73121500Wed, 29 Jul 2026 00:40:02 +0000Maryanne ElliottEver sat in front of a mortgage broker or bank and wondered what on earth they were talking about? LVR... LMI... PAYG... DTI... P&I... If you've ever nodded along pretending you understood, this episode is for you. In this episode of Dollars...
LVR... LMI... PAYG... DTI... P&I...

If you've ever nodded along pretending you understood, this episode is for you. In this episode of Dollars & Distractions, Maryanne and Bec break down some of the most common mortgage and banking terms into simple, everyday language without the finance jargon.
Whether you're buying your first home, refinancing, investing or just trying to understand your mortgage a little better, this episode will help you feel far more confident when talking to lenders, brokers and banks. (You'll also hear why Maryanne nearly forgot to record... again.)

In this episode we cover:

What Lender's Mortgage Insurance (LMI) actually is—and why it protects the bank, not you.
How to calculate your Loan to Value Ratio (LVR) and why it affects your interest rate.
Why reaching 60% LVR can unlock better pricing with many lenders.
What PAYG really means and why brokers ask about it.
Understanding Debt to Income Ratio (DTI) and why lenders care.
What HEM (Household Expenditure Measure) is and how banks assess your living expenses.
Why budgeting matters—even if the bank says you can borrow more.
The difference between Principal & Interest (P&I) and Interest Only loans.
Offset accounts vs redraw facilities—which one is right for you?
Why multiple offset accounts can make managing your money much easier.
What a Binding Financial Agreement (BFA) is and why they're becoming more common for blended families.

Free Budget Planner (mentioned in this episode)
Home Loan Health Checks
First Home Buyer Education Resources
Mortgage Broker Consultations Australia-wide

Connect with 360 Mortgage Solutions

If you'd like personalised advice or simply want someone to explain your options without the confusing bank terminology, we'd love to help.
🌐 https://www.360ms.com.au
📱 Follow 360 Mortgage Solutions on Facebook, Instagram, TikTok and YouTube for weekly home loan tips and property education.

Confused by mortgage jargon? Learn what LVR, LMI, offset accounts, redraw, PAYG, DTI and more actually mean in this easy-to-understand episode of Dollars & Distractions.]]>2551falsefullDollars & Distractions - Episode 19 Commercial Property Investing in Australia: Is It Worth Considering?https://www.spreaker.com/episode/dollars-distractions-episode-19-commercial-property-investing-in-australia-is-it-worth-considering--73115751But what about commercial property investing? In this episode of Dollars & Distractions, Maryanne and Bec unpack why commercial property is often overlooked, why more Australians are starting to explore it, and the key differences between buying commercial and residential property.

Whether you're a business owner, investor, or simply curious about building long-term wealth, this episode is designed to help you understand another investment option—without the jargon or sales pitch. In this episode we discuss:

Why most Australians naturally think about residential property first.
The biggest misconceptions about commercial property investing.
Whether you need millions of dollars to buy commercial property.
The benefits of commercial property compared with residential investments.
Longer lease terms and why businesses often stay for years.
Why commercial tenants commonly pay outgoings such as rates and insurance.
The risks and challenges of commercial investing.
Using equity in your home to purchase commercial property.
Buying commercial property through a Self Managed Super Fund (SMSF).
Why having the right broker, accountant and commercial solicitor matters.
Whether commercial property could suit everyday investors—not just large corporations.

Commercial Property vs Residential Property Residential property has traditionally been the go-to investment for Australians, but commercial property offers a different set of opportunities.

During this conversation, we explore:

Potentially longer-term tenants.
Different cash flow characteristics.
How commercial leases work.
Why commercial properties can sometimes generate stronger yields.
The additional risks, costs and vacancy considerations investors should understand before purchasing.

Can You Buy Commercial Property Through an SMSF?
We also discuss how some investors purchase commercial property using a Self Managed Super Fund (SMSF) and why this strategy has become a bigger topic of conversation recently.
This isn't suitable for everyone, but understanding the option could open conversations with your financial adviser or accountant if you're looking at different ways to invest for retirement.

Thinking About Commercial Property?
Commercial investing isn't necessarily better than residential investing—it simply suits different goals.

The key takeaway from this episode is to understand all of your options before making investment decisions and surround yourself with the right professionals who can guide you through the process. Resources Mentioned

Commercial property investing
Self Managed Super Funds (SMSF)
Commercial lending
Commercial leases
Property investment strategies
Using equity to invest
Business premises ownership

Connect with 360 Mortgage Solutions
Thinking about purchasing commercial property, buying your own business premises, or simply exploring your finance options?
Our role is to help you understand what's possible and connect you with the right professionals so you can make informed decisions.
🌐 https://360mortgagesolutions.com.au

If you enjoyed this episode:
⭐ Follow Dollars & Distractions for weekly conversations about money, property and finance.
🎧 Available wherever you listen to podcasts.
📺 Watch the full episode on YouTube.
💬 If this episode helped you think differently about investing, we'd love it if you left a review or shared it with someone who might find it valuable.

]]>https://api.spreaker.com/episode/73115751Wed, 22 Jul 2026 23:04:50 +0000Maryanne ElliottIf you've ever thought about investing, chances are you've considered residential property or shares. But what about commercial property investing? In this episode of Dollars & Distractions, Maryanne and Bec unpack why commercial property is often...But what about commercial property investing? In this episode of Dollars & Distractions, Maryanne and Bec unpack why commercial property is often overlooked, why more Australians are starting to explore it, and the key differences between buying commercial and residential property.

Whether you're a business owner, investor, or simply curious about building long-term wealth, this episode is designed to help you understand another investment option—without the jargon or sales pitch. In this episode we discuss:

Why most Australians naturally think about residential property first.
The biggest misconceptions about commercial property investing.
Whether you need millions of dollars to buy commercial property.
The benefits of commercial property compared with residential investments.
Longer lease terms and why businesses often stay for years.
Why commercial tenants commonly pay outgoings such as rates and insurance.
The risks and challenges of commercial investing.
Using equity in your home to purchase commercial property.
Buying commercial property through a Self Managed Super Fund (SMSF).
Why having the right broker, accountant and commercial solicitor matters.
Whether commercial property could suit everyday investors—not just large corporations.

Potentially longer-term tenants.
Different cash flow characteristics.
How commercial leases work.
Why commercial properties can sometimes generate stronger yields.
The additional risks, costs and vacancy considerations investors should understand before purchasing.

Commercial property investing
Self Managed Super Funds (SMSF)
Commercial lending
Commercial leases
Property investment strategies
Using equity to invest
Business premises ownership

Connect with 360 Mortgage Solutions
Thinking about purchasing commercial property, buying your own business premises, or simply exploring your finance options?
Our role is to help you understand what's possible and connect you with the right professionals so you can make informed decisions.
🌐 https://360mortgagesolutions.com.au

If you enjoyed this episode:
⭐ Follow Dollars & Distractions for weekly conversations about money, property and finance.
🎧 Available wherever you listen to podcasts.
📺 Watch the full episode on YouTube.
💬 If this episode helped you think differently about investing, we'd love it if you left a review or shared it with someone who might find it valuable.

]]>1753falsefullDollars & Distractions - Episode 18 It's Not Just the Interest Rate: What Every Homeowner Needs to Knowhttps://www.spreaker.com/episode/dollars-distractions-episode-18-it-s-not-just-the-interest-rate-what-every-homeowner-needs-to-know--73011719
Think again.

In this episode of Dollars & Distractions, Maryanne and Bec unpack one of the biggest misconceptions in home lending—that your interest rate is the only thing that matters.

From refinancing costs and lender policies to life changes, property values and long-term financial strategy, they explain why choosing (or keeping) a home loan is about much more than chasing the lowest advertised rate.
Whether you're thinking about refinancing, buying your first home, investing, or simply wondering if you're paying too much, this episode will help you understand what mortgage brokers actually look at behind the scenes. In this episode you'll learn:

Why a higher interest rate isn't always a bad thing
When refinancing actually costs you more than it saves
How loan size affects the discounts lenders offer
Why lender policy can be more important than interest rate
How property value growth can help you negotiate a better rate
Why your mortgage should evolve as your life changes
How mortgage brokers compare lenders beyond just the headline rate
Real client stories showing why the "cheapest" option isn't always the best

If it's been more than 12 months since someone reviewed your home loan, this episode is your reminder that your mortgage should be reviewed just like your insurance or super.

Key Takeaway
The best home loan isn't always the one with the lowest interest rate, it's the one that helps you achieve your financial goals both today and in the future.

Connect with 360 Mortgage Solutions
🌐 https://www.360mortgagesolutions.com.au
📱 Follow us on Facebook, Instagram, TikTok & YouTube:
@360MortgageSolutions
📅 Book a free home loan review:
https://app.teamos.ai/v2/preview/VnIGaMOE64W6aAlEHG9o?notrack=true

Subscribe If you enjoyed this episode, don't forget to follow Dollars & Distractions so you never miss an episode packed with practical money conversations and real-life mortgage advice.

SEO Keywords Mortgage broker Australia, refinancing home loan, home loan interest rates, refinance calculator, refinance costs, mortgage advice Australia, first home buyer podcast, home loan tips, property finance Australia, loan to value ratio, mortgage review, home loan comparison, best mortgage broker, refinance analysis, buying property Australia.]]>https://api.spreaker.com/episode/73011719Fri, 17 Jul 2026 04:04:27 +0000Maryanne ElliottThink the lowest interest rate always means the best home loan? Think again. In this episode of Dollars & Distractions, Maryanne and Bec unpack one of the biggest misconceptions in home lending—that your interest rate is the only thing that...
Think again.

In this episode of Dollars & Distractions, Maryanne and Bec unpack one of the biggest misconceptions in home lending—that your interest rate is the only thing that matters.

From refinancing costs and lender policies to life changes, property values and long-term financial strategy, they explain why choosing (or keeping) a home loan is about much more than chasing the lowest advertised rate.
Whether you're thinking about refinancing, buying your first home, investing, or simply wondering if you're paying too much, this episode will help you understand what mortgage brokers actually look at behind the scenes. In this episode you'll learn:

Why a higher interest rate isn't always a bad thing
When refinancing actually costs you more than it saves
How loan size affects the discounts lenders offer
Why lender policy can be more important than interest rate
How property value growth can help you negotiate a better rate
Why your mortgage should evolve as your life changes
How mortgage brokers compare lenders beyond just the headline rate
Real client stories showing why the "cheapest" option isn't always the best

If it's been more than 12 months since someone reviewed your home loan, this episode is your reminder that your mortgage should be reviewed just like your insurance or super.

Key Takeaway
The best home loan isn't always the one with the lowest interest rate, it's the one that helps you achieve your financial goals both today and in the future.

Connect with 360 Mortgage Solutions
🌐 https://www.360mortgagesolutions.com.au
📱 Follow us on Facebook, Instagram, TikTok & YouTube:
@360MortgageSolutions
📅 Book a free home loan review:
https://app.teamos.ai/v2/preview/VnIGaMOE64W6aAlEHG9o?notrack=true

Subscribe If you enjoyed this episode, don't forget to follow Dollars & Distractions so you never miss an episode packed with practical money conversations and real-life mortgage advice.

SEO Keywords Mortgage broker Australia, refinancing home loan, home loan interest rates, refinance calculator, refinance costs, mortgage advice Australia, first home buyer podcast, home loan tips, property finance Australia, loan to value ratio, mortgage review, home loan comparison, best mortgage broker, refinance analysis, buying property Australia.]]>1641falsefullDollars & Distractions - Episode 17 Can Buying a House With Your Parents Help You Get Into the Property Market?https://www.spreaker.com/episode/dollars-distractions-episode-17-can-buying-a-house-with-your-parents-help-you-get-into-the-property-market--72733789
In this episode of Dollars & Distractions, Maryanne and Bec chat about one of the biggest trends they're seeing in today's property market... families buying together.

From parents helping first home buyers, to grandparents moving in, dual living homes, guarantor loans and multi generational households, they explore the different ways families are working together to make home ownership possible.

This isn't just about money. It's about creating opportunities, supporting each other through rising living costs, and building long term wealth together. If you've ever thought:

"We'll never save a 20% deposit."
"Could Mum and Dad help?"
"Would buying with family actually work?"
"What happens if someone wants to move out later?"

...this episode is for you. In this episode we cover:
🏡 What multi generational living actually looks like today
👨‍👩‍👧‍👦 Why more Australian families are buying property together
💰 Different ways parents can help, including guarantor loans, gifts and buying together
📈 How buying with family can increase your borrowing power
⚖️ The legal conversations every family should have before buying together
❤️ The emotional benefits of living closer to family
🚪 Why talking to a mortgage broker early can uncover options you didn't know existed As always, there are no one size fits all solutions. Every family is different, but having the conversation early could open doors you didn't even know were available. If you're wondering what buying with family could look like for your situation, we'd love to help you explore your options.

📞 Book a strategy session with 360 Mortgage Solutions:
https://link.teamos.ai/preview/HnVm7sq0QukREw7fQIB5
Instagram: https://www.instagram.com/360mortgagesolutions
Facebook: https://www.facebook.com/360MortgageSolutions
Website: 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. Always seek personalised financial and legal advice before making property or lending decisions.
::: SEO Keywords

Bank of Mum and Dad
Multi generational living Australia
Buying a house with parents
Buying property with family
Guarantor home loans Australia
First home buyer Australia
Family guarantee home loan
Dual living homes
Buying a home with parents
Mortgage broker Brisbane
First home buyer tips
Property buying advice Australia

]]>https://api.spreaker.com/episode/72733789Wed, 01 Jul 2026 00:10:02 +0000Maryanne ElliottIs the Bank of Mum and Dad the Only Option? Multi Generational Living Explained Is buying a home becoming a family affair? In this episode of Dollars & Distractions, Maryanne and Bec chat about one of the biggest trends they're seeing in today's...
In this episode of Dollars & Distractions, Maryanne and Bec chat about one of the biggest trends they're seeing in today's property market... families buying together.

From parents helping first home buyers, to grandparents moving in, dual living homes, guarantor loans and multi generational households, they explore the different ways families are working together to make home ownership possible.

This isn't just about money. It's about creating opportunities, supporting each other through rising living costs, and building long term wealth together. If you've ever thought:

"We'll never save a 20% deposit."
"Could Mum and Dad help?"
"Would buying with family actually work?"
"What happens if someone wants to move out later?"

Bank of Mum and Dad
Multi generational living Australia
Buying a house with parents
Buying property with family
Guarantor home loans Australia
First home buyer Australia
Family guarantee home loan
Dual living homes
Buying a home with parents
Mortgage broker Brisbane
First home buyer tips
Property buying advice Australia

]]>1792falsefullDollars & Distractions - Episode 16 Should I buy now, or should I wait?https://www.spreaker.com/episode/dollars-distractions-episode-16-should-i-buy-now-or-should-i-wait--72666495
Drawing from their own recent property buying experiences, they explore why timing the market isn't always as straightforward as it sounds and why focusing on your personal circumstances may be far more important than trying to predict what the market will do next. In this episode, we discuss: 🏡 Why waiting for a property market "crash" may not always work out as planned
🏡 How media headlines and social media algorithms can influence your mindset about property 🏡 The importance of having a pre-approval in place before finding your dream home
🏡 Why property decisions should be based on affordability and long-term goals rather than fear 🏡 How different market conditions create opportunities for different buyers
🏡 The difference between buying an investment property and buying your forever home
🏡 Why outside opinions from friends, family, and the guy at the barbecue aren't always the best source of advice
🏡 The role intuition can play when making big financial decisions
🏡 How to cut through the noise and focus on what matters most for your situation

Key Takeaway There will always be experts predicting what's next, but nobody has a crystal ball. The right time to buy isn't necessarily when rates are lowest or when the market is at the bottom. The right time is when you're financially comfortable, have done your research, and find a property that fits your goals and lifestyle. Need help understanding your borrowing power?

If you're wondering whether now is the right time for you to buy, chat with the team at 360 Mortgage Solutions. We can help you understand your options, calculate your borrowing capacity, and put a plan in place so you're ready when the right property comes along.

Connect with Us
📱 Follow 360 Mortgage Solutions on social media
🌐 Visit: www.360mortgagesolutions.com.au
📅 Book a chat with our team: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

Disclaimer The information discussed in this podcast is general in nature and is provided for educational and entertainment purposes only. It does not constitute financial advice. Always seek professional advice tailored to your personal circumstances before making financial decisions.]]>https://api.spreaker.com/episode/72666495Wed, 24 Jun 2026 09:22:52 +0000Maryanne ElliottWith interest rates, media headlines, social media opinions, and endless market predictions flying around, it can be hard to know whether now is the right time to buy a property or whether you should sit tight and wait. In this episode, Maryanne and...
Drawing from their own recent property buying experiences, they explore why timing the market isn't always as straightforward as it sounds and why focusing on your personal circumstances may be far more important than trying to predict what the market will do next. In this episode, we discuss: 🏡 Why waiting for a property market "crash" may not always work out as planned
🏡 How media headlines and social media algorithms can influence your mindset about property 🏡 The importance of having a pre-approval in place before finding your dream home
🏡 Why property decisions should be based on affordability and long-term goals rather than fear 🏡 How different market conditions create opportunities for different buyers
🏡 The difference between buying an investment property and buying your forever home
🏡 Why outside opinions from friends, family, and the guy at the barbecue aren't always the best source of advice
🏡 The role intuition can play when making big financial decisions
🏡 How to cut through the noise and focus on what matters most for your situation

Key Takeaway There will always be experts predicting what's next, but nobody has a crystal ball. The right time to buy isn't necessarily when rates are lowest or when the market is at the bottom. The right time is when you're financially comfortable, have done your research, and find a property that fits your goals and lifestyle. Need help understanding your borrowing power?

If you're wondering whether now is the right time for you to buy, chat with the team at 360 Mortgage Solutions. We can help you understand your options, calculate your borrowing capacity, and put a plan in place so you're ready when the right property comes along.

Connect with Us
📱 Follow 360 Mortgage Solutions on social media
🌐 Visit: www.360mortgagesolutions.com.au
📅 Book a chat with our team: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

Disclaimer The information discussed in this podcast is general in nature and is provided for educational and entertainment purposes only. It does not constitute financial advice. Always seek professional advice tailored to your personal circumstances before making financial decisions.]]>1481falsefullDollars & Distractions - Episode 15 Unlocking Equity How to Use Your Home's Value Without Selling videohttps://www.spreaker.com/episode/dollars-distractions-episode-15-unlocking-equity-how-to-use-your-home-s-value-without-selling-video--72473177
They discuss:
✅ How mortgage brokers are paid
✅ Common misconceptions about broker commissions
✅ What clawbacks are and how they affect brokers
✅ What an equity unlock is
✅ How retirees can access the value in their home without selling
✅ Real-life examples of clients using equity to improve their lifestyle
✅ Using equity to invest, renovate, consolidate debt or purchase a business Whether you're approaching retirement or simply wondering how to make your property's equity work harder for you, this episode is packed with practical insights.

Key Takeaways

Mortgage brokers are typically paid by the lender, not the client.
A broker's commission does not increase your interest rate.
Brokers can experience "clawbacks" where commissions are reclaimed if loans are closed within a certain period.
Equity unlock products can help retirees access the value in their home without selling.
Legal advice is essential when considering equity release strategies.
Home equity can also be used for investing, debt consolidation, renovations, business purchases and other wealth-building opportunities.
Every client's situation is different, which is why professional advice is critical.

Episode Timestamps
00:00 Introduction
00:50 The school drop-off conversation that sparked today's episode
02:15 How mortgage brokers actually get paid
04:40 Common myths about broker commissions
06:40 What is a clawback?
08:50 Why broker-client relationships matter
12:35 Introducing today's topic: Equity Unlocks
14:00 What does "asset rich but cash poor" mean?
15:45 Real client story: Using equity to fund retirement travel
18:00 Why legal advice is important for equity release
20:45 Maintaining financial independence later in life
21:00 Using equity to buy a business, invest or consolidate debt
23:00 A real example of using home equity to purchase commercial property
24:15 Why equity creates financial opportunities at every stage of life
25:00 Wrap up

Quote From The Episode "If you've got lots of equity, don't think you're stuck because you're no longer earning what you did when you were younger.

There may be options available before selling your home." — Maryanne Resources Mentioned If you'd like to discuss your own situation or explore your options, book a chat with the team at 360 Mortgage Solutions: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH Connect With Us 360 Mortgage Solutions 🌐 https://360mortgagesolutions.com.au 📱 Follow us on social media for more mortgage, property and money tips. 🎙️ Subscribe to Dollars and Distractions so you never miss an episode.
]]>https://api.spreaker.com/episode/72473177Wed, 17 Jun 2026 00:10:02 +0000Maryanne ElliottHave you ever wondered how mortgage brokers get paid? Or what happens when you're sitting on a valuable property but don't have enough cash flow to enjoy life? In this episode of Dollars and Distractions, Maryanne and Bec start with a funny story...
They discuss:
✅ How mortgage brokers are paid
✅ Common misconceptions about broker commissions
✅ What clawbacks are and how they affect brokers
✅ What an equity unlock is
✅ How retirees can access the value in their home without selling
✅ Real-life examples of clients using equity to improve their lifestyle
✅ Using equity to invest, renovate, consolidate debt or purchase a business Whether you're approaching retirement or simply wondering how to make your property's equity work harder for you, this episode is packed with practical insights.

Key Takeaways

Mortgage brokers are typically paid by the lender, not the client.
A broker's commission does not increase your interest rate.
Brokers can experience "clawbacks" where commissions are reclaimed if loans are closed within a certain period.
Equity unlock products can help retirees access the value in their home without selling.
Legal advice is essential when considering equity release strategies.
Home equity can also be used for investing, debt consolidation, renovations, business purchases and other wealth-building opportunities.
Every client's situation is different, which is why professional advice is critical.

Why keeping a car for the long haul can be a bigger financial win than upgrading regularly

The hidden power of offset accounts and how they can save thousands in interest

Why a high interest savings account isn't always the best place for your money if you have a mortgage

Budgeting myths and why having a budget doesn't mean you're struggling financially

How meal planning can save both money and time

Creating separate accounts for different financial goals

Small extra mortgage repayments that can shave years off your home loan

Thinking ahead about retirement and future financial flexibility

Why small, consistent money habits often outperform big financial moves

Key Takeaways✅ Real wealth is often built through consistency, not flashy purchases.✅ An offset account can be one of the most powerful tools available to homeowners.✅ Budgeting is about understanding where your money is going, not restricting yourself.✅ Small changes repeated over time can create significant long-term results.✅ Paying even a little extra off your mortgage can save substantial interest and reduce your loan term.Resources Mentioned

Mortgage Offset Accounts
Mortgage Repayment Calculators
Budget Planning Templates
First Home Buyer Resources from 360 Mortgage Solutions

Why keeping a car for the long haul can be a bigger financial win than upgrading regularly

The hidden power of offset accounts and how they can save thousands in interest

Why a high interest savings account isn't always the best place for your money if you have a mortgage

Budgeting myths and why having a budget doesn't mean you're struggling financially

How meal planning can save both money and time

Creating separate accounts for different financial goals

Small extra mortgage repayments that can shave years off your home loan

Thinking ahead about retirement and future financial flexibility

Why small, consistent money habits often outperform big financial moves

Mortgage Offset Accounts
Mortgage Repayment Calculators
Budget Planning Templates
First Home Buyer Resources from 360 Mortgage Solutions

Quote of the Episode"The money flexes that nobody talks about are often the ones that put you in the best position 10 or 20 years from now."Connect With UsIf you enjoyed this episode, make sure you subscribe to Dollars and Distractions, leave us a review, and share it with someone who could use a few more money wins in their life.For help with your home loan, first home purchase, refinancing, or property goals, connect with the team at 360 Mortgage Solutions.Website: https://360mortgagesolutions.com.auBook a chat: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH]]>1380falsefullDollars & Distractions - Episode 13 Credit Cards, Offsets & The Banking Structure People Forgot Abouthttps://www.spreaker.com/episode/dollars-distractions-episode-13-credit-cards-offsets-the-banking-structure-people-forgot-about--72028277In this episode of Dollars and Distractions, Maryanne and Bec dive into an old-school banking strategy that many people have forgotten about, using credit cards and home loan structures to reduce interest and potentially pay off a mortgage faster.They unpack the difference between the old line of credit setups banks used to offer and the modern alternative using offset accounts and interest-free credit cards. Along the way, they share real-life examples, lessons from working in banking, and why discipline is the key to making these strategies actually work.The conversation also explores:
• Why line of credit loans disappeared
• How offset accounts changed the game
• The right and wrong way to use credit cards
• Why paying interest on a credit card defeats the purpose
• The snowball effect of reducing mortgage interest
• Reward points, cashback, and using spending to your advantage
• Why financial maturity matters more than age
• Teaching kids about money in a cashless world
• Small money-saving strategies that add up over 30 yearsThis episode is packed with practical insights for homeowners, first home buyers, and anyone wanting to be more intentional with their money habits.Key Takeaway:
A banking structure is only effective if it suits your habits and lifestyle. Used correctly, small savings on interest can snowball into significant long-term gains, but discipline is everything.Disclaimer:
This podcast episode is for educational and conversational purposes only and does not constitute financial advice. Please speak with a qualified mortgage broker, financial adviser, or accountant before making financial decisions.Connect with 360 Mortgage Solutions:
If you’d like help reviewing your loan structure or understanding how offsets and budgeting strategies could work for you, reach out to the team at 360 Mortgage Solutions.🎙️ Thanks for listening to Dollars and Distractions!]]>https://api.spreaker.com/episode/72028277Wed, 03 Jun 2026 00:10:01 +0000Maryanne ElliottEpisode Summary: In this episode of Dollars and Distractions, Maryanne and Bec dive into an old-school banking strategy that many people have forgotten about, using credit cards and home loan structures to reduce interest and potentially pay off a...In this episode of Dollars and Distractions, Maryanne and Bec dive into an old-school banking strategy that many people have forgotten about, using credit cards and home loan structures to reduce interest and potentially pay off a mortgage faster.They unpack the difference between the old line of credit setups banks used to offer and the modern alternative using offset accounts and interest-free credit cards. Along the way, they share real-life examples, lessons from working in banking, and why discipline is the key to making these strategies actually work.The conversation also explores:
• Why line of credit loans disappeared
• How offset accounts changed the game
• The right and wrong way to use credit cards
• Why paying interest on a credit card defeats the purpose
• The snowball effect of reducing mortgage interest
• Reward points, cashback, and using spending to your advantage
• Why financial maturity matters more than age
• Teaching kids about money in a cashless world
• Small money-saving strategies that add up over 30 yearsThis episode is packed with practical insights for homeowners, first home buyers, and anyone wanting to be more intentional with their money habits.Key Takeaway:
A banking structure is only effective if it suits your habits and lifestyle. Used correctly, small savings on interest can snowball into significant long-term gains, but discipline is everything.Disclaimer:
This podcast episode is for educational and conversational purposes only and does not constitute financial advice. Please speak with a qualified mortgage broker, financial adviser, or accountant before making financial decisions.Connect with 360 Mortgage Solutions:
If you’d like help reviewing your loan structure or understanding how offsets and budgeting strategies could work for you, reach out to the team at 360 Mortgage Solutions.🎙️ Thanks for listening to Dollars and Distractions!]]>975falsefullDollars & Distractions – Episode 12 Getting Into the Mortgage Broking Industry, The Truth No One Talks Abouthttps://www.spreaker.com/episode/dollars-distractions-episode-12-getting-into-the-mortgage-broking-industry-the-truth-no-one-talks-about--71825781It’s surprisingly easy to become a mortgage broker on paper… but that doesn’t mean it’s easy to actually be one. We talk about:

How someone can go from a completely different industry into broking quickly
Why experience in banking and finance makes a huge difference
The steep learning curve, especially with “bank jargon” and loan structuring

2. Not all brokers are created equal
From the outside, one broker can look the same as another… but behind the scenes, experience levels can be worlds apart. We chat about:

Why clients don’t always know who they’re choosing
The importance of experience vs just qualifications
How genuine service and personality can set a broker apart

3. The money myth 💰
Let’s be real… there’s a perception that brokers make a lot of money (and quickly). But here’s the truth:

You don’t get paid until a deal settles
Deals can fall over after months of work
Clawbacks can mean giving money back to the bank

👉 Yes, you can earn well… but it’s not quick, easy, or guaranteed. 4. What clients don’t always see
We break down what actually goes into a deal:

Multiple submissions for the same application
Structuring loans for long-term goals
Working nights, weekends, and behind the scenes

And why a broker’s role is so much more than “just getting a loan approved.” 5. Choosing the right broker
With so many brokers in the market, how do you know who’s right for you? We talk about:

Why recommendations shouldn’t just be about borrowing capacity
The importance of long-term strategy, not just short-term wins
Red flags to watch out for

👉 Just because you can borrow more… doesn’t mean you should. 6. Why we love what we do ❤️
Despite the challenges, this industry is incredibly rewarding. For us, it’s about:

Helping clients achieve their long-term goals
Structuring lending the right way
Being genuine, not salesy

And knowing that doing the right thing for clients always wins in the long run. 🎯 Key Takeaway: Mortgage broking isn’t a “quick money” career… and choosing a broker isn’t something to take lightly. Whether you’re thinking about becoming a broker or choosing one, it all comes down to:
👉 Experience
👉 Integrity
👉 And genuinely putting people first 📣 Let’s Chat: Have you ever wondered what goes on behind the scenes with brokers? Or are you thinking about entering the industry yourself? Send us a message or drop your questions, we’d love to hear from you 💬]]>https://api.spreaker.com/episode/71825781Wed, 27 May 2026 00:10:02 +0000Maryanne ElliottIn today’s episode of Dollars and Distractions, we’re diving into something a little different… but something we’re seeing a LOT right now 👀 👉 People entering the mortgage broking industry We unpack what it’s really like behind the scenes, the common...It’s surprisingly easy to become a mortgage broker on paper… but that doesn’t mean it’s easy to actually be one. We talk about:

How someone can go from a completely different industry into broking quickly
Why experience in banking and finance makes a huge difference
The steep learning curve, especially with “bank jargon” and loan structuring

2. Not all brokers are created equal
From the outside, one broker can look the same as another… but behind the scenes, experience levels can be worlds apart. We chat about:

Why clients don’t always know who they’re choosing
The importance of experience vs just qualifications
How genuine service and personality can set a broker apart

3. The money myth 💰
Let’s be real… there’s a perception that brokers make a lot of money (and quickly). But here’s the truth:

You don’t get paid until a deal settles
Deals can fall over after months of work
Clawbacks can mean giving money back to the bank

👉 Yes, you can earn well… but it’s not quick, easy, or guaranteed. 4. What clients don’t always see
We break down what actually goes into a deal:

Multiple submissions for the same application
Structuring loans for long-term goals
Working nights, weekends, and behind the scenes

Why recommendations shouldn’t just be about borrowing capacity
The importance of long-term strategy, not just short-term wins
Red flags to watch out for

👉 Just because you can borrow more… doesn’t mean you should. 6. Why we love what we do ❤️
Despite the challenges, this industry is incredibly rewarding. For us, it’s about:

Helping clients achieve their long-term goals
Structuring lending the right way
Being genuine, not salesy

And knowing that doing the right thing for clients always wins in the long run. 🎯 Key Takeaway: Mortgage broking isn’t a “quick money” career… and choosing a broker isn’t something to take lightly. Whether you’re thinking about becoming a broker or choosing one, it all comes down to:
👉 Experience
👉 Integrity
👉 And genuinely putting people first 📣 Let’s Chat: Have you ever wondered what goes on behind the scenes with brokers? Or are you thinking about entering the industry yourself? Send us a message or drop your questions, we’d love to hear from you 💬]]>1789falsefullDollars & Distractions – Episode 11 ADHD & Money, Impulse vs Intentionhttps://www.spreaker.com/episode/dollars-distractions-episode-11-adhd-money-impulse-vs-intention--71825571
💡 What We Cover

The link between ADHD traits and impulse spending
How the digital world is conditioning distraction and quick dopamine hits
Why lack of structure leads to overspending, especially in everyday situations like grocery shopping
The role of self-awareness in managing money habits
How routine can reduce overwhelm and improve focus
The concept of avoidance, and how putting things off can make money stress worse over time
Why ADHD can also be a superpower, especially in problem-solving and thinking ahead

🛠️ Practical Money Tips Shared
✔️ Shop with a plan
Going in without a list = walking out with things you don’t need (and forgetting what you actually needed)
✔️ Use multiple bank accounts

Split your money into:

Bills account (direct debits)
Spending account
Savings account

This helps remove temptation and creates clarity around what you can spend
✔️ Automate where possible
Set up direct debits or scheduled payments to avoid missed bills
✔️ Break down big expenses
If quarterly bills feel overwhelming, consider paying smaller amounts more regularly
✔️ Create simple routines
Even small habits (like how you start your workday) can reduce mental clutter and improve decision-making
✔️ Pause before impulse purchases
Even just a moment of awareness can change the outcome

🧠 Real Talk Moments

“Sometimes I walk into a shop for one thing… and leave with everything except that one thing.”
“I know I’m in the mood to spend… and that’s when I try to avoid the shops completely.”
“It’s not about fixing ADHD, it’s about finding systems that work for you.”
“Don’t beat yourself up, just adjust the system.”

❤️ Key Takeaway It’s not about being perfect with money, it’s about understanding how your brain works and building systems that support you. Whether you have ADHD or just feel constantly distracted, the goal is the same:
👉 Less overwhelm, more intention, and a structure that works for YOU.]]>https://api.spreaker.com/episode/71825571Wed, 20 May 2026 00:10:02 +0000Maryanne ElliottIn this episode, Maryanne and Bec dive into a very real and relatable topic, ADHD and money habits, and how impulse spending can creep in when structure isn’t in place. From self-diagnosed ADHD tendencies to the impact of modern life (hello, constant...
💡 What We Cover

The link between ADHD traits and impulse spending
How the digital world is conditioning distraction and quick dopamine hits
Why lack of structure leads to overspending, especially in everyday situations like grocery shopping
The role of self-awareness in managing money habits
How routine can reduce overwhelm and improve focus
The concept of avoidance, and how putting things off can make money stress worse over time
Why ADHD can also be a superpower, especially in problem-solving and thinking ahead

Bills account (direct debits)
Spending account
Savings account

“Sometimes I walk into a shop for one thing… and leave with everything except that one thing.”
“I know I’m in the mood to spend… and that’s when I try to avoid the shops completely.”
“It’s not about fixing ADHD, it’s about finding systems that work for you.”
“Don’t beat yourself up, just adjust the system.”

❤️ Key Takeaway It’s not about being perfect with money, it’s about understanding how your brain works and building systems that support you. Whether you have ADHD or just feel constantly distracted, the goal is the same:
👉 Less overwhelm, more intention, and a structure that works for YOU.]]>1550falsefullDollars & Distractions – Episode 10 Couples, Money & The Conversations No One Hashttps://www.spreaker.com/episode/dollars-distractions-episode-10-couples-money-the-conversations-no-one-has--71825561Facebook algorithms, and very different money mindsets 😅) and talk about how couples can find balance even when one is a spender and the other is a saver.

💡 What we cover:

Why not talking about money is a risk in any relationship
How different upbringings shape your money habits
The common dynamic: spender vs saver (and how to make it work)
Why both partners need to understand the finances — regardless of who “manages” it
The importance of involving kids in healthy money conversations
How language around money impacts your mindset (especially for kids)
Finding the balance between saving for the future and actually living now
Why goals (big and small) matter in a relationship
The impact of scarcity vs abundance mindset on your finances
How open communication can prevent resentment over money

🧠 Key takeaway: There’s no “right” way to manage money as a couple but there is a wrong way… and that’s not talking about it at all. Understanding each other’s background, being open about goals, and creating a system that works for both of you is what really matters.
🎯 Your action step: Start the conversation.
It doesn’t have to be formal or awkward even something as simple as:
👉 “What was money like in your household growing up?” You’ll learn more than you think.
🎁 Fun bonus: We talked a lot about fishing in this episode… so we’re giving away a free fishing shirt 🐟
👉 First person to DM 360 Mortgage Solutions and say you listened to the episode wins!
💬 Let’s connect: Got questions about money, relationships, or buying your first home?
📩 Send us a message
📅 Or book a quick chat: https://app.teamos.ai/v2/preview/VnIGaMOE64W6aAlEHG9o

If you enjoyed this episode, make sure to follow the podcast and share it with someone who needs to hear it 💛]]>https://api.spreaker.com/episode/71825561Wed, 13 May 2026 00:10:02 +0000Maryanne ElliottMoney conversations in relationships… let’s be honest, they don’t always happen and when they do, they’re not always easy. In this episode, we dive into the real, unfiltered side of couples and money. The habits we bring into relationships, the things...Facebook algorithms, and very different money mindsets 😅) and talk about how couples can find balance even when one is a spender and the other is a saver.

💡 What we cover:

Why not talking about money is a risk in any relationship
How different upbringings shape your money habits
The common dynamic: spender vs saver (and how to make it work)
Why both partners need to understand the finances — regardless of who “manages” it
The importance of involving kids in healthy money conversations
How language around money impacts your mindset (especially for kids)
Finding the balance between saving for the future and actually living now
Why goals (big and small) matter in a relationship
The impact of scarcity vs abundance mindset on your finances
How open communication can prevent resentment over money

🧠 Key takeaway: There’s no “right” way to manage money as a couple but there is a wrong way… and that’s not talking about it at all. Understanding each other’s background, being open about goals, and creating a system that works for both of you is what really matters.
🎯 Your action step: Start the conversation.
It doesn’t have to be formal or awkward even something as simple as:
👉 “What was money like in your household growing up?” You’ll learn more than you think.
🎁 Fun bonus: We talked a lot about fishing in this episode… so we’re giving away a free fishing shirt 🐟
👉 First person to DM 360 Mortgage Solutions and say you listened to the episode wins!
💬 Let’s connect: Got questions about money, relationships, or buying your first home?
📩 Send us a message
📅 Or book a quick chat: https://app.teamos.ai/v2/preview/VnIGaMOE64W6aAlEHG9o

If you enjoyed this episode, make sure to follow the podcast and share it with someone who needs to hear it 💛]]>1788falsefullDollars & Distractions – Episode 9 The Emotional Side of Buying Property, Finding the Balance Between Head and Hearthttps://www.spreaker.com/episode/dollars-distractions-episode-9-the-emotional-side-of-buying-property-finding-the-balance-between-head-and-heart--71824562In this episode, Maryanne and Bec dive into the real, often unspoken side of purchasing a home, from anxiety after signing a contract to the pressure of fast-moving markets.They share personal experiences, client stories, and practical insights to help you navigate the emotional rollercoaster of buying property, while still making smart financial decisions.If you’ve ever felt overwhelmed, rushed, or unsure during your property journey, this episode will help you feel more grounded and confident.💡 What We Cover

Why buying a home can feel emotionally overwhelming
Real client stories, including post-contract anxiety
The danger of waiting until you feel “100% ready”
Learning to trust your gut vs relying on logic
How the current market can create urgency and pressure
Why buying based on market predictions can be risky
The importance of affordability and long-term comfort
How banks assess borrowing and why buffers matter
Why pre-approval is a game changer
Balancing your heart and your head when making decisions
When walking away from a property is the best decision
How life changes can impact financial decisions
The rise of co-living and changing property trends

🔑 Key Takeaways

There is no “perfect” time to buy, the right time is when you feel ready, have clarity, and find the right property
Emotion is part of the process, but it needs to be balanced with logic
Just because the bank says you can borrow more doesn’t mean you should
Understanding your comfort level with repayments is critical
A pre-approval removes uncertainty and reduces emotional stress
Property is a long-term game, markets will always cycle
Sometimes the best decision is not moving forward

🧠 Quote Worth Remembering "The best time to buy is when you feel ready, have a fully assessed pre-approval, and you find the right property."

🛠️ Practical Tips

Set your repayment comfort level first, then work backwards
Get a fully assessed pre-approval before house hunting
Don’t rush into a purchase due to competition or fear of missing out
If something feels off, pause and reassess
Think long-term, not just short-term market movements

❤️ Final ThoughtBuying property is one of the biggest financial decisions you’ll ever make, but it’s also deeply personal.
The goal isn’t to remove emotion entirely, it’s to use it wisely alongside solid financial strategy.

📲 Need Help?If you’re unsure where to start or want clarity around your borrowing power, reach out to the team at 360 Mortgage Solutions. We’ll help you balance the numbers so you can move forward with confidence.
Book a phone call here - https://app.teamos.ai/location/Z9gpJ4ioc4f1NPbCB6x0/page-builder/VnIGaMOE64W6aAlEHG9o]]>https://api.spreaker.com/episode/71824562Wed, 06 May 2026 00:10:02 +0000Maryanne Elliott📝 Episode SummaryBuying a property isn’t just a financial decision, it’s an emotional one too. In this episode, Maryanne and Bec dive into the real, often unspoken side of purchasing a home, from anxiety after signing a contract to the pressure of...In this episode, Maryanne and Bec dive into the real, often unspoken side of purchasing a home, from anxiety after signing a contract to the pressure of fast-moving markets.They share personal experiences, client stories, and practical insights to help you navigate the emotional rollercoaster of buying property, while still making smart financial decisions.If you’ve ever felt overwhelmed, rushed, or unsure during your property journey, this episode will help you feel more grounded and confident.💡 What We Cover

Why buying a home can feel emotionally overwhelming
Real client stories, including post-contract anxiety
The danger of waiting until you feel “100% ready”
Learning to trust your gut vs relying on logic
How the current market can create urgency and pressure
Why buying based on market predictions can be risky
The importance of affordability and long-term comfort
How banks assess borrowing and why buffers matter
Why pre-approval is a game changer
Balancing your heart and your head when making decisions
When walking away from a property is the best decision
How life changes can impact financial decisions
The rise of co-living and changing property trends

🔑 Key Takeaways

There is no “perfect” time to buy, the right time is when you feel ready, have clarity, and find the right property
Emotion is part of the process, but it needs to be balanced with logic
Just because the bank says you can borrow more doesn’t mean you should
Understanding your comfort level with repayments is critical
A pre-approval removes uncertainty and reduces emotional stress
Property is a long-term game, markets will always cycle
Sometimes the best decision is not moving forward

🧠 Quote Worth Remembering "The best time to buy is when you feel ready, have a fully assessed pre-approval, and you find the right property."

🛠️ Practical Tips

Set your repayment comfort level first, then work backwards
Get a fully assessed pre-approval before house hunting
Don’t rush into a purchase due to competition or fear of missing out
If something feels off, pause and reassess
Think long-term, not just short-term market movements

Income matters… but stability matters more Banks aren’t just looking at how much you earn they’re looking at how consistent and reliable that income is. Long-term employment can sometimes outweigh a higher but unstable income.
Not all employment is treated equally, Full-time, part-time, casual, and self-employed income are all assessed differently.

Casual income is often shaded (e.g. only ~80% used)
Self-employed income must be proven and consistent
Contract roles depend heavily on industry and history

3. Your tax strategy can impact your borrowing power
Trying to minimise tax might reduce what you can borrow. What looks good to the ATO doesn’t always look good to a bank.
4. Your spending habits matter more than you think
Even high-income earners can be declined if their bank statements show poor money management like overdrawing accounts or missed payments.
5. Credit scores can make or break your application

You can access a free credit report through Equifax
Some lenders won’t consider applications under a certain score (e.g. 600)
Multiple applications, unpaid debts, or forgotten accounts can hurt you

6. Small debts still count
Zip Pay, credit cards, and personal loans even small limits all impact your borrowing capacity.
7. Dependents reduce your borrowing power
Children, non-working partners, or even supporting parents can affect how much you can borrow, as lenders factor in living costs. 8. Life plans matter (yes, even future ones)
Planning a family, taking maternity leave, or changing jobs can all influence your loan assessment because lenders are looking at your future ability to repay.

🔑 Key Takeaway Every lender is different, and your situation is more than just a number.
That’s why having a conversation early can help you understand your position, create a strategy, and avoid surprises.

🛠️ Action Steps

✔️ Download your free credit report (Equifax)
✔️ Review your spending habits and direct debits
✔️ Avoid multiple credit applications before applying
✔️ Speak to a broker early to understand your options

📞 Need Help? If you want clarity on your borrowing power and next steps, book a quick 15-minute chat:
👉 https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

🎧 Coming Up We’re planning a future episode with a credit repair expert to dive deeper into credit files and how to fix them stay tuned!]]>https://api.spreaker.com/episode/71697514Wed, 29 Apr 2026 00:10:02 +0000Maryanne ElliottIn this episode of Dollars and Destructions, Maryanne and Bec break down what lenders are actually looking at when assessing your borrowing power and spoiler alert… it’s not just your income. If you’ve ever wondered why someone earning less than you...If you’ve ever wondered why someone earning less than you can borrow more, this episode will give you the clarity you’ve been missing.
💡 What You’ll Learn

Income matters… but stability matters more Banks aren’t just looking at how much you earn they’re looking at how consistent and reliable that income is. Long-term employment can sometimes outweigh a higher but unstable income.
Not all employment is treated equally, Full-time, part-time, casual, and self-employed income are all assessed differently.

Casual income is often shaded (e.g. only ~80% used)
Self-employed income must be proven and consistent
Contract roles depend heavily on industry and history

You can access a free credit report through Equifax
Some lenders won’t consider applications under a certain score (e.g. 600)
Multiple applications, unpaid debts, or forgotten accounts can hurt you

✔️ Download your free credit report (Equifax)
✔️ Review your spending habits and direct debits
✔️ Avoid multiple credit applications before applying
✔️ Speak to a broker early to understand your options

📞 Need Help? If you want clarity on your borrowing power and next steps, book a quick 15-minute chat:
👉 https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

🎧 Coming Up We’re planning a future episode with a credit repair expert to dive deeper into credit files and how to fix them stay tuned!]]>1840falsefullDollars & Distractions – Episode 7: Money Leaks, Are They Draining Your Bank Account Without You Knowing?https://www.spreaker.com/episode/dollars-distractions-episode-7-money-leaks-are-they-draining-your-bank-account-without-you-knowing--71547818
💡 What You’ll Learn

What “money leaks” actually are and how they show up in everyday life
Why most people underestimate how much they’re really spending
The difference between needs vs wants, and why it’s not always obvious
How subscriptions, apps, and small purchases add up quickly
Why higher income doesn’t always mean more savings
How mindset plays a huge role in managing money
Simple ways to start taking control of your finances today

🔍 Key Takeaways

Money leaks aren’t always big expenses, they’re often small, recurring ones
If you don’t track your spending, you’re likely losing money without knowing it
Lifestyle creep is real, the more you earn, the more you tend to spend
Awareness is the first step, but action is what creates change
It’s not about cutting everything out, it’s about finding balance

🛠️ Practical Tip from This Episode Go through your last 90 days of bank transactions. Yes, it sounds boring… but it’s powerful. Look for:

Subscriptions you don’t use
Duplicate services (multiple streaming platforms, apps, etc.)
“Small” purchases that happen often

You might be surprised how much you can save just by cleaning this up.

🎁 Free Resource Want help getting started? We’ve created a free budget template to help you identify your own money leaks and take control of your cash flow. 📩 Email: info@360mortgagesolutions.com.au
…and we’ll send it through to you.

💬 Quote from the Episode “Money does sort of siphon out of our accounts without us even being aware of how much is going out.”

❤️ Final Thoughts This episode is a reminder that managing money isn’t about being perfect, it’s about being aware. Because once you know where your money is going…
you get to decide where it should go instead.]]>https://api.spreaker.com/episode/71547818Wed, 22 Apr 2026 08:28:42 +0000Maryanne ElliottEpisode Summary In this episode of Dolls and Distractions, Maryanne and Bec dive into a topic that hits every household, money leaks. Those sneaky expenses that quietly drain your bank account without you even realising. From subscriptions you forgot...
💡 What You’ll Learn

What “money leaks” actually are and how they show up in everyday life
Why most people underestimate how much they’re really spending
The difference between needs vs wants, and why it’s not always obvious
How subscriptions, apps, and small purchases add up quickly
Why higher income doesn’t always mean more savings
How mindset plays a huge role in managing money
Simple ways to start taking control of your finances today

🔍 Key Takeaways

Money leaks aren’t always big expenses, they’re often small, recurring ones
If you don’t track your spending, you’re likely losing money without knowing it
Lifestyle creep is real, the more you earn, the more you tend to spend
Awareness is the first step, but action is what creates change
It’s not about cutting everything out, it’s about finding balance

🛠️ Practical Tip from This Episode Go through your last 90 days of bank transactions. Yes, it sounds boring… but it’s powerful. Look for:

Subscriptions you don’t use
Duplicate services (multiple streaming platforms, apps, etc.)
“Small” purchases that happen often

You might be surprised how much you can save just by cleaning this up.

🎁 Free Resource Want help getting started? We’ve created a free budget template to help you identify your own money leaks and take control of your cash flow. 📩 Email: info@360mortgagesolutions.com.au
…and we’ll send it through to you.

💬 Quote from the Episode “Money does sort of siphon out of our accounts without us even being aware of how much is going out.”

❤️ Final Thoughts This episode is a reminder that managing money isn’t about being perfect, it’s about being aware. Because once you know where your money is going…
you get to decide where it should go instead.]]>1209falsefullDollars & Distractions – Episode 6: Pre-Approval First, Property Second - Why Timing Matters More Than You Thinkhttps://www.spreaker.com/episode/dollars-distractions-episode-6-pre-approval-first-property-second-why-timing-matters-more-than-you-think--71330049

What a pre-approval actually is

The difference between “quick” vs fully assessed pre-approvals

The risks of skipping this step

And how getting organised upfront can save you time, money, and a whole lot of pressure

If you’re thinking about buying, or even just starting to look, this episode is a must-listen. What We Cover

💡 What is a Pre-Approval (and why it matters) Not all pre-approvals are created equal. We explain the difference between:

A computer-generated (generic) pre-approval
A fully assessed pre-approval by a lender

Spoiler alert… one of these gives you real confidence, the other not so much.

⚠️ The Risk of Signing a Contract Too Early We’re seeing more buyers:

Signing contracts before finance is approved
Rushing decisions due to competition in the market
Backing themselves into tight finance deadlines

The reality?
You can end up:

Racing the clock
Limited to certain lenders
Or needing stressful extensions just to make things work

⏳ Why Timing is Everything Without a pre-approval, your finance timeline starts after you sign the contract. With one already in place:

The heavy lifting is done
You can move faster
You may even negotiate better contract terms

💸 Hidden Risks You Might Not Expect We also talk about things that can come up after you sign:

Credit history surprises
Changes in employment
Taking on new debt (like car finance 🚗)

These can impact your approval… even if you thought everything was fine.

🧠 Confidence Comes from Clarity A pre-approval doesn’t just tick a box, it gives you:

A clear budget
Confidence when making offers
The ability to act quickly in a competitive market

As we say in the episode:
Knowledge = confidence

📅 How Long Does a Pre-Approval Last?

Typically valid for 90 days
Often extendable for another 90 days
Up to 6 months total, as long as your situation doesn’t change

Key Takeaway Even if you’re “just looking”… getting a pre-approval early can:

Reduce stress
Give you clarity
And put you in a stronger position when the right property comes along

What a pre-approval actually is

The difference between “quick” vs fully assessed pre-approvals

The risks of skipping this step

And how getting organised upfront can save you time, money, and a whole lot of pressure

A computer-generated (generic) pre-approval
A fully assessed pre-approval by a lender

Spoiler alert… one of these gives you real confidence, the other not so much.

⚠️ The Risk of Signing a Contract Too Early We’re seeing more buyers:

Signing contracts before finance is approved
Rushing decisions due to competition in the market
Backing themselves into tight finance deadlines

The reality?
You can end up:

Racing the clock
Limited to certain lenders
Or needing stressful extensions just to make things work

⏳ Why Timing is Everything Without a pre-approval, your finance timeline starts after you sign the contract. With one already in place:

The heavy lifting is done
You can move faster
You may even negotiate better contract terms

💸 Hidden Risks You Might Not Expect We also talk about things that can come up after you sign:

Credit history surprises
Changes in employment
Taking on new debt (like car finance 🚗)

These can impact your approval… even if you thought everything was fine.

🧠 Confidence Comes from Clarity A pre-approval doesn’t just tick a box, it gives you:

A clear budget
Confidence when making offers
The ability to act quickly in a competitive market

As we say in the episode:
Knowledge = confidence

📅 How Long Does a Pre-Approval Last?

Typically valid for 90 days
Often extendable for another 90 days
Up to 6 months total, as long as your situation doesn’t change

Key Takeaway Even if you’re “just looking”… getting a pre-approval early can:

Reduce stress
Give you clarity
And put you in a stronger position when the right property comes along

🎯 Your Next Step Thinking about buying but not sure where to start? Let’s have a chat 😊
We’ll help you understand your position and get you set up the right way, before you start house hunting.

Connect With Us

📲 Follow along for more first home buyer tips
📅 Book a quick chat with us to get started - https://link.teamos.ai/widget/bookings/maryanne-elliott-phone-meeting]]>1121falsefullDollars & Distractions – Episode 5: Interest Rates, Fear & Making the Right Money Decisionshttps://www.spreaker.com/episode/dollars-distractions-episode-5-interest-rates-fear-making-the-right-money-decisions--71167872📝 Episode Summary
In this episode of Dollars and Distractions, Maryanne and Bec dive into one of the most common conversations happening right now, navigating interest rate uncertainty and making financial decisions in a changing market.With rising costs, media noise, and mixed opinions on whether to buy, wait, or fix your rate, they unpack what really matters. Instead of trying to predict the market, they bring the focus back to personal comfort, financial stability, and making decisions that align with your own situation.This episode is a reminder that there is no one size fits all answer when it comes to property or interest rates, only what is right for you.

💡 What You’ll Learn

Why people respond differently to market uncertainty
The real risk of trying to “time the market”
What happens when you fix your rate at the wrong time
Why banks often move before the Reserve Bank
The importance of job stability when making big financial decisions
How fear and media can influence money decisions
Why budgeting is key, regardless of fixed or variable rates
The importance of having backup plans (even simple ones)
How to make decisions based on your comfort level, not panic

🔑 Key Takeaways1. There’s no perfect time to buy
Some people will move forward confidently, others will wait, both are valid. The right time is when you feel financially and emotionally ready.
2. You can’t predict the market
Trying to “wait and see” or lock in at the perfect time can backfire. No one knows exactly when rates will peak.
3. Fixed rates = certainty, not perfection
Fixing your loan is about peace of mind, not winning the rate game. Once you commit, avoid second guessing.
4. Your situation matters more than headlines
Job stability, cash flow, and long term plans are more important than what the media is saying.
5. Budget first, then decide Understanding what you can comfortably afford is the foundation, whether you choose fixed, variable, or both.
6. Have a plan (even a loose one)
Knowing your fallback options reduces stress and helps you make clearer decisions.
7. Don’t let fear drive your decisions
Constant exposure to negative news can create panic.

Stay informed, but stay grounded in your own situation.
🧠 Quote from the Episode“It’s not about what the market’s doing, it’s about what your plans are and what you’re comfortable with.”

🎯 Who This Episode Is For

First home buyers feeling unsure about when to enter the market
Anyone worried about rising interest rates
Homeowners considering fixing their loan
People feeling overwhelmed by financial news and uncertainty

📣 Call to ActionIf you’re feeling unsure about your next step, this is exactly the time to have a conversation. The right strategy comes from understanding your situation, not guessing the market.]]>https://api.spreaker.com/episode/71167872Wed, 08 Apr 2026 00:10:01 +0000Maryanne Elliott🎙️ Episode TitleInterest Rates, Fear & Making the Right Money Decisions 📝 Episode Summary In this episode of Dollars and Distractions, Maryanne and Bec dive into one of the most common conversations happening right now, navigating interest rate...📝 Episode Summary
In this episode of Dollars and Distractions, Maryanne and Bec dive into one of the most common conversations happening right now, navigating interest rate uncertainty and making financial decisions in a changing market.With rising costs, media noise, and mixed opinions on whether to buy, wait, or fix your rate, they unpack what really matters. Instead of trying to predict the market, they bring the focus back to personal comfort, financial stability, and making decisions that align with your own situation.This episode is a reminder that there is no one size fits all answer when it comes to property or interest rates, only what is right for you.

💡 What You’ll Learn

Why people respond differently to market uncertainty
The real risk of trying to “time the market”
What happens when you fix your rate at the wrong time
Why banks often move before the Reserve Bank
The importance of job stability when making big financial decisions
How fear and media can influence money decisions
Why budgeting is key, regardless of fixed or variable rates
The importance of having backup plans (even simple ones)
How to make decisions based on your comfort level, not panic

First home buyers feeling unsure about when to enter the market
Anyone worried about rising interest rates
Homeowners considering fixing their loan
People feeling overwhelmed by financial news and uncertainty

📣 Call to ActionIf you’re feeling unsure about your next step, this is exactly the time to have a conversation. The right strategy comes from understanding your situation, not guessing the market.]]>1176falsefullDollars & Distractions – Episode 4: Deposit Options Explained: Using Equity, Guarantors and Other Alternatives to Buy Propertyhttps://www.spreaker.com/episode/dollars-distractions-episode-4-deposit-options-explained-using-equity-guarantors-and-other-alternatives-to-buy-property--70631544Deposit Options Explained: Cash, Equity and Guarantor Support for Home Buyers

Dollars and Distractions with Maryanne Elliott and Bec Watson

When most people think about a home deposit, they think of one thing: cash in the bank. But in reality, there can be more than one way to come up with a deposit when buying property.
In this episode of Dollars and Distractions, Maryanne Elliott and Bec Watson unpack the different ways buyers can fund a deposit, from cash savings through to usable equity and guarantor support.

They also explain why many buyers assume they need a full 20% deposit, when that is not always the case.This episode is a practical and easy-to-understand conversation about how deposits really work, what lenders look for, and why having the right loan structure matters. Whether you are a first home buyer, planning your next purchase, or thinking about using equity to invest, this episode will help you understand your options more clearly.

In This EpisodeMaryanne Elliott and Bec Watson discuss:

what a deposit actually means when buying property
why a deposit is not always just cash savings
how equity in an existing property can be used as a deposit
how lenders calculate usable equity
why most lenders only allow borrowing up to 80% of a property’s value without LMI
how guarantor loans can help first home buyers get into the market sooner
the difference between separate lending structures and cross-collateralisation
why loan structure can impact flexibility and future financial decisions
why a conversation with a broker can uncover options you may not know you have

Episode Summary
n this episode, Maryanne Elliott and Bec Watson break down one of the most common misconceptions in property finance: that a home deposit must always be saved in cash.They explain how buyers may be able to use equity from an existing property instead of relying solely on savings, and why this can be a powerful strategy for people looking to upgrade, invest, or buy again.
Maryanne and Bec also walk through how usable equity is calculated and why lenders typically keep a buffer by only allowing access up to 80% of a property’s value.
The conversation also covers guarantor support, including how parents may be able to help first home buyers purchase sooner by using equity in their own property as additional security. Maryanne and Bec explain that while guarantor loans can be a great short-term option, the long-term goal is usually to remove the guarantor as soon as possible.They also dive into the importance of loan structure, including the difference between keeping loans separate versus cross-collateralising properties, and why the right setup depends on your goals, future plans and overall strategy.

The key takeaway from this episode is simple: the deposit you think you need may not be the only option available to you.

ey Takeaways

A property deposit does not always have to be cash
Equity can sometimes be used instead of savings for a new purchase
Guarantor loans may help first home buyers enter the market sooner
Not every buyer needs a 20% deposit
Loan structure matters just as much as loan rate
The right strategy depends on your goals and circumstances

Sound Bites

“Most people think a deposit has to be cash, but there are other ways to structure it.”
“You can use equity in your property to make the next purchase.”
“Just because we can do something doesn’t mean we should.”
“Sometimes the deposit you think you need, you might already have.”

Chapters00:50 – Intro: what comes to mind when you think about a deposit?
01:22 – Deposit options beyond cash
01:47 – What equity actually means
03:20 – How usable equity is calculated
04:32 – Using equity to buy again
06:33 – Guarantor loans explained
08:42 – Why you do not always need a 20% deposit
10:19 – Matching lender policy to your goals
14:50 – Structuring loans using equity
17:26 – Cross-collateralisation and the risks
19:23 – Using equity for renovations and other purposes
21:33 – Why it all starts with a conversation

About the PodcastDollars and Distractions with Maryanne Elliott and Bec Watson is a podcast that breaks down property, lending and money topics into practical, real-life conversations. With a mix of industry knowledge and honest discussion, Maryanne and Bec help listeners better understand the finance side of buying property and making smart money decisions.

SEO Keywordsproperty deposit options, home deposit Australia, using equity as a deposit, guarantor home loan Australia, first home buyer deposit help, usable equity explained, mortgage broker Australia, cross collateralisation explained, how much deposit do I need to buy a house, buying property with equity

Meta DescriptionCan you buy property without a cash deposit? In this episode, Maryanne Elliott and Bec Watson explain deposit options, equity, guarantor loans and smarter ways to buy.If you'd like, I can also turn this into a podcast page version, a shorter Spotify/Apple version, or a YouTube description with tags.]]>https://api.spreaker.com/episode/70631544Wed, 01 Apr 2026 00:10:02 +0000Maryanne ElliottDeposit Options Explained: Cash, Equity and Guarantor Support for Home Buyers Dollars and Distractions with Maryanne Elliott and Bec Watson When most people think about a home deposit, they think of one thing: cash in the bank. But in reality, there...Deposit Options Explained: Cash, Equity and Guarantor Support for Home Buyers

Dollars and Distractions with Maryanne Elliott and Bec Watson

When most people think about a home deposit, they think of one thing: cash in the bank. But in reality, there can be more than one way to come up with a deposit when buying property.
In this episode of Dollars and Distractions, Maryanne Elliott and Bec Watson unpack the different ways buyers can fund a deposit, from cash savings through to usable equity and guarantor support.

They also explain why many buyers assume they need a full 20% deposit, when that is not always the case.This episode is a practical and easy-to-understand conversation about how deposits really work, what lenders look for, and why having the right loan structure matters. Whether you are a first home buyer, planning your next purchase, or thinking about using equity to invest, this episode will help you understand your options more clearly.

In This EpisodeMaryanne Elliott and Bec Watson discuss:

what a deposit actually means when buying property
why a deposit is not always just cash savings
how equity in an existing property can be used as a deposit
how lenders calculate usable equity
why most lenders only allow borrowing up to 80% of a property’s value without LMI
how guarantor loans can help first home buyers get into the market sooner
the difference between separate lending structures and cross-collateralisation
why loan structure can impact flexibility and future financial decisions
why a conversation with a broker can uncover options you may not know you have

A property deposit does not always have to be cash
Equity can sometimes be used instead of savings for a new purchase
Guarantor loans may help first home buyers enter the market sooner
Not every buyer needs a 20% deposit
Loan structure matters just as much as loan rate
The right strategy depends on your goals and circumstances

Sound Bites

“Most people think a deposit has to be cash, but there are other ways to structure it.”
“You can use equity in your property to make the next purchase.”
“Just because we can do something doesn’t mean we should.”
“Sometimes the deposit you think you need, you might already have.”

Chapters00:50 – Intro: what comes to mind when you think about a deposit?
01:22 – Deposit options beyond cash
01:47 – What equity actually means
03:20 – How usable equity is calculated
04:32 – Using...]]>1361falsefullDollars & Distractions – Episode 3: The Truth About Borrowing Capacity: What Online Calculators Don’t Tell Youhttps://www.spreaker.com/episode/dollars-distractions-episode-3-the-truth-about-borrowing-capacity-what-online-calculators-don-t-tell-you--70630958
Understanding how much you can borrow for a home loan is one of the biggest questions for first home buyers.
Many people turn to online borrowing calculators, but these tools often miss key factors lenders use when assessing a mortgage application.

In this episode of Dollars and Distractions, mortgage broker Maryanne Elliott and Bec Watson from 360 Mortgage Solutions breaks down the truth about borrowing capacity and explains why personalised advice can make a huge difference when planning to buy property.

You’ll learn how interest rates, bank buffers, living expenses, debts, and lifestyle choices can significantly impact your borrowing power — and why what a calculator says you can borrow might not reflect reality. If you’re planning to buy your first home or simply want to understand how banks assess mortgage applications, this episode will help you make smarter financial decisions. What

You’ll Learn in This Episode

What borrowing capacity actually means when applying for a mortgage
Why online borrowing calculators can be misleading
How lenders assess your loan using higher “buffer” interest rates
The role of living expenses and lifestyle spending in loan approvals
How debts like credit cards and Buy Now Pay Later services affect borrowing power
Why speaking with a mortgage broker can provide a more accurate picture of your borrowing potential

Many borrowers are surprised to learn that lenders don’t assess home loans using the advertised interest rate. Instead, banks apply a buffer rate, meaning your borrowing capacity is tested at a significantly higher interest rate to ensure you could still afford repayments if rates increase. Maryanne also explains that lenders carefully review living expenses and discretionary spending, which means everyday financial habits can directly influence how much you’re able to borrow. Another common oversight is Buy Now Pay Later services, which many borrowers assume don’t affect their application — but lenders often treat them the same as other debts. Sound Bites

“That’s not the rate they assess you at.”
“Buy now pay later is counted as a debt.”
“Mandatory expenses include car insurance and rego.”

What borrowing capacity actually means when applying for a mortgage
Why online borrowing calculators can be misleading
How lenders assess your loan using higher “buffer” interest rates
The role of living expenses and lifestyle spending in loan approvals
How debts like credit cards and Buy Now Pay Later services affect borrowing power
Why speaking with a mortgage broker can provide a more accurate picture of your borrowing potential

“That’s not the rate they assess you at.”
“Buy now pay later is counted as a debt.”
“Mandatory expenses include car insurance and rego.”

Episode Chapters
00:00 – Introduction to Borrowing Power
01:24 – Understanding Borrowing Capacity
05:17 – The Role of Online Calculators
09:08 – Living Expenses and Their Impact
13:00 – Managing Debt and Credit Cards
16:56 – The Importance of Financial Clarity

About 360 Mortgage Solutions, helping Australians navigate the home loan process with confidence. With over a decade of experience in banking and finance, Maryanne specialises in helping first home buyers understand their borrowing power and enter the property market with clarity and confidence. Keywords borrowing capacity, mortgage borrowing power, home loan borrowing calculator, mortgage broker advice, interest rates and borrowing capacity, bank buffer rates, living expenses mortgage assessment, first home buyer mortgage tips, buying a home Australia]]>1427falsefullDollars & Distractions – Episode 2: Why Most People Feel Financially Behind (And How to Stop Comparing Your Money Journey)https://www.spreaker.com/episode/dollars-distractions-episode-2-why-most-people-feel-financially-behind-and-how-to-stop-comparing-your-money-journey--70561550In this episode of Dollars & Distractions, mortgage brokers Maryanne Elliott and Bec Watson, talk about the very real feeling of financial comparison and why so many people feel like they’ve missed the boat when it comes to money, property and wealth building.

With social media highlight reels, conversations at barbecues about property, and the pressure to “keep up,” it’s easy to believe everyone else is ahead financially. But the truth is, you’re probably not as far behind as you think.
Maryanne and Bec unpack the mindset traps that lead people to compare themselves financially, share real client experiences, and explain why clarity around your finances is far more powerful than comparison.

💡 What You’ll Learn in This Episode
• Why so many people feel financially behind
• The impact of social media on money confidence
• Why comparing your financial journey to others can be misleading
• How different life circumstances affect financial timelines
• The importance of having clear financial goals
• Why financial confidence comes from action, not perfection
• How small financial steps can move you closer to your goals

🧠 Money Mindset Takeaway One of the key themes of this episode is learning to create a “circuit breaker” when comparison starts creeping in.
Maryanne shares how she resets her thinking by reflecting on how far she has come in business and life, instead of comparing herself to others.
Bec talks about recognising that everyone’s financial journey is different, and that success looks different for everyone depending on their goals, circumstances and risk tolerance. Sometimes the best thing you can do is simply take one small step toward your own goal instead of focusing on someone else’s progress.

👀 What Clients Are Asking Us Right Now In this week’s recurring segment, Maryanne and Bec answer one of the most common questions they are hearing from clients right now: “What is going to happen with interest rates?”
Their answer highlights an important truth in lending and planning, no one has a crystal ball.

Instead of trying to predict the market, the better approach is to focus on:
• Your personal financial goals
• Your comfort level with risk
• Whether stability or flexibility suits your situation
• Planning for worst-case scenarios in your budget

Maryanne explains why some borrowers choose to fix part of their loan for certainty, while others remain variable depending on their personal circumstances.
🏡 Practical Tip from This Episode If rising interest rates or cost of living pressures worry you, try running the numbers using a budget calculator to understand how changes might affect your repayments. Having a plan for potential rate increases can help reduce stress and give you more control over your finances.

🎯 Key Message Financial confidence doesn’t come from knowing everything. It comes from having the conversation, gaining clarity and taking the first step toward your financial goals. Everyone’s timeline is different and that’s okay.

🔗 Resources Mentioned 360 Mortgage Solutions Budget Calculator - Grab a copy here - https://app.teamos.ai/v2/preview/rEUp5PUktZfEkuYcYRKH?notrack=true

🎧 About the Podcast Dollars & Distractions is an Australian money and property podcast hosted by mortgage brokers Maryanne Elliott and Bec. Each week they talk about real-life finance topics including: • Home loans and borrowing power
• Saving for a house deposit
• Property investing in Australia
• Money mindset and financial confidence
• Real client questions and experiences Along the way there may be a few distractions but the goal is always the same: helping you gain clarity around your finances.

📌 Follow & Subscribe If you enjoyed this episode, make sure you follow Dollars & Distractions so you don’t miss future episodes. Share this episode with someone who might be feeling financially behind, it might be exactly what they need to hear.

🔍 SEO Keywords Mortgage broker Australia
Why people feel financially behind
Money mindset podcast
Home loan advice Australia
First home buyer education
Property podcast Australia
Borrowing power explained
Financial confidence for women
Interest rate discussion Australia]]>https://api.spreaker.com/episode/70561550Wed, 18 Mar 2026 00:10:02 +0000Maryanne ElliottHave you ever looked around and felt like everyone else has their finances sorted out while you're falling behind? In this episode of Dollars & Distractions, mortgage brokers Maryanne Elliott and Bec Watson, talk about the very real feeling of...In this episode of Dollars & Distractions, mortgage brokers Maryanne Elliott and Bec Watson, talk about the very real feeling of financial comparison and why so many people feel like they’ve missed the boat when it comes to money, property and wealth building.

With social media highlight reels, conversations at barbecues about property, and the pressure to “keep up,” it’s easy to believe everyone else is ahead financially. But the truth is, you’re probably not as far behind as you think.
Maryanne and Bec unpack the mindset traps that lead people to compare themselves financially, share real client experiences, and explain why clarity around your finances is far more powerful than comparison.

💡 What You’ll Learn in This Episode
• Why so many people feel financially behind
• The impact of social media on money confidence
• Why comparing your financial journey to others can be misleading
• How different life circumstances affect financial timelines
• The importance of having clear financial goals
• Why financial confidence comes from action, not perfection
• How small financial steps can move you closer to your goals

🧠 Money Mindset Takeaway One of the key themes of this episode is learning to create a “circuit breaker” when comparison starts creeping in.
Maryanne shares how she resets her thinking by reflecting on how far she has come in business and life, instead of comparing herself to others.
Bec talks about recognising that everyone’s financial journey is different, and that success looks different for everyone depending on their goals, circumstances and risk tolerance. Sometimes the best thing you can do is simply take one small step toward your own goal instead of focusing on someone else’s progress.

👀 What Clients Are Asking Us Right Now In this week’s recurring segment, Maryanne and Bec answer one of the most common questions they are hearing from clients right now: “What is going to happen with interest rates?”
Their answer highlights an important truth in lending and planning, no one has a crystal ball.

Instead of trying to predict the market, the better approach is to focus on:
• Your personal financial goals
• Your comfort level with risk
• Whether stability or flexibility suits your situation
• Planning for worst-case scenarios in your budget

Maryanne explains why some borrowers choose to fix part of their loan for certainty, while others remain variable depending on their personal circumstances.
🏡 Practical Tip from This Episode If rising interest rates or cost of living pressures worry you, try running the numbers using a budget calculator to understand how changes might affect your repayments. Having a plan for potential rate increases can help reduce stress and give you more control over your finances.

🎯 Key Message Financial confidence doesn’t come from knowing everything. It comes from having the conversation, gaining clarity and taking the first step toward your financial goals. Everyone’s timeline is different and that’s okay.

🔗 Resources Mentioned 360 Mortgage Solutions Budget Calculator - Grab a copy here - https://app.teamos.ai/v2/preview/rEUp5PUktZfEkuYcYRKH?notrack=true

🎧 About the Podcast Dollars & Distractions is an Australian money and property podcast hosted by mortgage brokers Maryanne Elliott and Bec. Each week they talk about real-life finance topics including: • Home loans and borrowing power
• Saving for a house deposit
• Property investing in Australia
• Money mindset and financial confidence
• Real client questions and experiences Along the way there may be a few distractions but the goal is always the same: helping you gain clarity around your finances.

📌...]]>1363falsefullDollars & Distractions – Episode 1: You Don’t Have a Money Problem, You Have a Clarity Problemhttps://www.spreaker.com/episode/dollars-distractions-episode-1-you-don-t-have-a-money-problem-you-have-a-clarity-problem--70434415In the first episode of Dollars & Distractions, mortgage brokers Maryanne Elliott and her co-host Rebecca Watson unpack one of the biggest myths about personal finance:
Most people don’t have a money problem, they have a clarity problem.

Money can feel confusing, overwhelming, and sometimes even embarrassing to talk about. But the truth is, most of us were never taught how money, lending, or mortgages actually work.

In this episode, we have a real, honest conversation about:

Why people feel “dumb” about finances (and why they shouldn’t)
How confusing financial jargon keeps people stuck
The truth behind viral “pay off your mortgage in 7 years” posts
Why asking questions about money is the smartest thing you can do
The real difference between working with a bank vs a mortgage broker
The biggest roadblocks first home buyers face today

With over 40 years of combined finance industry experience, we’re breaking down complex financial concepts into simple conversations anyone can understand. Because the goal isn’t to become a finance expert.

It’s to feel confident enough to make good decisions.

Key Takeaways

Most people aren’t bad with money, they simply lack clarity.
Financial education is rarely taught in schools or families.
Social media finance “hacks” often use clever marketing and confusing jargon.
There is no such thing as a dumb financial question.
Understanding your financial goals is the starting point for any mortgage or investment strategy.
Many first home buyers believe they need a 20% deposit, but there are other options available.

Topics Covered

Why money is still a taboo topic in many households
The impact of financial education (or lack of it)
Debt recycling and misleading mortgage marketing claims
Why financial jargon creates confusion
The two biggest barriers to buying property:
- Deposit
- Borrowing capacity
First home buyer schemes and guarantor loans
Why over 70% of Australians now use mortgage brokers

Timestamp Guide 00:00 – Welcome to Dollars & Distractions
00:50 – Why most people have a clarity problem, not a money problem
01:30 – Why people feel embarrassed about finances
02:20 – Why money was a taboo topic growing up
03:30 – Why we started this podcast
04:10 – Even brokers get confused by finance marketing
05:00 – The truth about “pay off your mortgage in 7 years” posts
07:00 – Why financial jargon confuses people
09:00 – Creating a safe space to ask money questions
10:30 – Cutting through financial noise for clients
12:00 – Broker vs bank: what’s the difference?
13:40 – The myth of needing a 20% deposit
15:00 – Why becoming a broker changed everything
19:30 – Why everyone should understand their finances
21:30 – The key takeaway: there are no dumb questions

Who This Episode Is For This episode is perfect for:

First home buyers
People wanting to understand mortgages
Anyone feeling confused about money
Property investors starting their journey
People who want financial clarity without complicated jargon

Ask Us a Question Have a money question you want us to cover in a future episode? Send it through and we might answer it on the podcast - info@360mortgagesolutions.com.au

Connect With Maryanne Elliott Mortgage Broker, 360 Mortgage Solutions Helping first home buyers and everyday Australians understand money and get into the property market sooner - maryanne@360mortgagesolutions.com.au

Subscribe If you enjoyed this episode, make sure you:

Follow the podcast
Leave a review
Share it with a friend

More episodes coming soon where we dive deeper into:

Debt recycling explained simply
First home buyer grants
How to save a deposit faster
Structuring your mortgage the right way

SEO Keywords first home buyer Australia, mortgage broker advice, buying your first home, home loan tips Australia, financial literacy Australia, debt recycling explained, property buying tips, mortgage myths Australia, property finance podcast, Australian housing market tips]]>https://api.spreaker.com/episode/70434415Wed, 11 Mar 2026 00:10:03 +0000Maryanne ElliottDo you ever feel like everyone else understands money better than you? In the first episode of Dollars & Distractions, mortgage brokers Maryanne Elliott and her co-host Rebecca Watson unpack one of the biggest myths about personal finance: Most...In the first episode of Dollars & Distractions, mortgage brokers Maryanne Elliott and her co-host Rebecca Watson unpack one of the biggest myths about personal finance:
Most people don’t have a money problem, they have a clarity problem.

Money can feel confusing, overwhelming, and sometimes even embarrassing to talk about. But the truth is, most of us were never taught how money, lending, or mortgages actually work.

In this episode, we have a real, honest conversation about:

Why people feel “dumb” about finances (and why they shouldn’t)
How confusing financial jargon keeps people stuck
The truth behind viral “pay off your mortgage in 7 years” posts
Why asking questions about money is the smartest thing you can do
The real difference between working with a bank vs a mortgage broker
The biggest roadblocks first home buyers face today

Most people aren’t bad with money, they simply lack clarity.
Financial education is rarely taught in schools or families.
Social media finance “hacks” often use clever marketing and confusing jargon.
There is no such thing as a dumb financial question.
Understanding your financial goals is the starting point for any mortgage or investment strategy.
Many first home buyers believe they need a 20% deposit, but there are other options available.

Topics Covered

Why money is still a taboo topic in many households
The impact of financial education (or lack of it)
Debt recycling and misleading mortgage marketing claims
Why financial jargon creates confusion
The two biggest barriers to buying property:
- Deposit
- Borrowing capacity
First home buyer schemes and guarantor loans
Why over 70% of Australians now use mortgage brokers

First home buyers
People wanting to understand mortgages
Anyone feeling confused about money
Property investors starting their journey
People who want financial clarity without complicated jargon

Follow the podcast
Leave a review
Share it with a friend

More...]]>1477advice,australia,broker,buyer,buying,debt,explained,finance,financial,first,home,literacy,loan,mortgage,myths,podcast,property,recycling,tips,yourfalsefull