Couverture de The First Home Buyers Program

The First Home Buyers Program

The First Home Buyers Program

De : Maryanne Elliott
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À propos de ce contenu audio

 If you're a First home buyer and have no idea where to start, or perhaps you've got a Home loan already but you've never taken notes on how loans work and how you can save yourself thousands. Either way this podcast is for you.
I will be sharing all things Home loans and Finance to educate you so you know how to make your money work for you.Copyright Maryanne Elliott
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    Épisodes
    • Episode 115 - Refinancing for First Home Buyers – What You Need to Know in 2026

      Episode 115 - Refinancing for First Home Buyers – What You Need to Know in 2026
      Nov 28 2025
      Just bought your first home and wondering if refinancing is worth it? In this episode, we break down what first home buyers need to know about refinancing in 2026. 🏡 Episode Summary: You’ve got your first home loan—amazing! But now you’re hearing about refinancing, interest rate changes, and equity… and wondering if you should be doing something with your mortgage. In this episode, I break down refinancing for first home buyers in simple terms—what it means, when it makes sense, and what you need to watch out for in 2026. Whether your fixed rate is ending soon or you’re just curious about your options, this episode will help you make informed, confident decisions about your home loan future. 🔍 What We Cover in This Episode:
      • What refinancing actually means for first home buyers
      • Common myths (and truths) about refinancing
      • Signs it might be time to look at a new loan
      • What to be mindful of—like equity, timing, and fees
      • Why 2026 could be a smart time to refinance
      • How to know if you’re getting a good deal
      💬 Quote of the Episode: “Your first home loan doesn’t have to be your forever loan.” ✅ Take the Next Step: 🎓 Want to learn more about home loans and refinancing?
      👉 Join our FREE First Home Buyer Mini Course 📲 Ready to review your current loan or explore refinancing options?
      👉 Book a fee-free meeting with 360 Mortgage Solutions 📢 Stay Connected: If you enjoyed this episode, don’t forget to subscribe, leave a review, and share it with a fellow first home buyer who might need to hear this!
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      7 min
    • Episode 114 - 3 Real Client Scenarios: How We Helped Buyers Get Approved With Low Borrowing Capacity

      Episode 114 - 3 Real Client Scenarios: How We Helped Buyers Get Approved With Low Borrowing Capacity
      Nov 14 2025
      In today’s episode, Maryanne shares three real-life stories from the last few weeks where clients were struggling with low borrowing capacity — and how strategic planning, smart restructuring, and thinking outside the box helped them move from “I don’t think I can buy yet” to “We’re officially homeowners!” If you’ve been told your borrowing capacity isn’t enough, this episode will help you see that you still have options — and that the dream might be closer than you think. ⭐ What You’ll Learn in This Episode: 1. How clearing debt can completely change borrowing capacity Maryanne walks through a recent scenario where a client had a decent deposit but high credit card and personal loan balances holding them back.
      You’ll hear:
      • Why lenders heavily penalise debt in servicing calculations
      • How using a portion of your deposit to clear debt can increase your borrowing capacity
      • The surprising before-and-after difference for this client
      2. How property share/co-buying helped two siblings get into the market sooner Buying alone wasn’t possible — but buying together was.
      In this story, Maryanne shares:
      • How combining borrowing power opened up more options
      • Why co-buying can be a smart stepping stone to your long-term goals
      • How the pair structured the loan and made the purchase work for both incomes and lifestyles
      3. How investing instead of buying to live in unlocked a realistic entry point Some clients can’t afford the suburb they want right now, but that doesn’t mean they can’t start building wealth.
      In this scenario, you’ll learn:
      • How “rent where you want, buy where you can afford” changed everything
      • How purchasing a more affordable investment property created a strategic entry into the market
      • The longer-term plan we set up so they can upgrade into a home they love later
      💡 The Big Takeaway Low borrowing capacity doesn’t mean your dream is over — it simply means we need the right strategy. There’s almost always a path forward when you understand how lenders think and what levers can be pulled. 📌 Episode Highlights
      • The ONE thing lenders care about most when calculating how much you can borrow
      • Why reducing debt can improve borrowing more than increasing your income
      • When co-buying makes sense — and when it doesn’t
      • Why investing first is sometimes the smarter, faster move
      • The mindset shift that helps buyers get into the market sooner
      • Real results from real clients (no theory, no fluff)
      🎧 Listen Now This episode is perfect for:
      • First home buyers
      • Self-employed buyers
      • Anyone who’s been told “you can’t borrow enough right now”
      • People feeling stuck or overwhelmed by lending rules
      🔗 Links & Resources
      • Book an appointment with Maryanne: https://calendly.com/360mortgagesolutions
      • Follow along on Instagram & Facebook for tips
      🙌 If You Enjoyed This Episode… Please follow, subscribe, and leave a review — it helps more first home buyers find the guidance they need.
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      7 min
    • Episode 113 - What Really Happens on Settlement Day: A First Home Buyer’s Guide

      Episode 113 - What Really Happens on Settlement Day: A First Home Buyer’s Guide
      Nov 6 2025
      📄 Show Notes: Settlement day can be one of the most exciting—and nerve-wracking—parts of the home buying journey, especially for first home buyers who have no idea what to expect. In this episode, Marianne Elliott from 360 Mortgage Solutions breaks down what actually happens on settlement day, what you really need to do (spoiler alert: it’s less than you think), and how to avoid common mistakes that can cause unnecessary delays or stress. Whether you're days away from settlement or just starting your property journey, this episode is packed with helpful, real-world advice that will give you peace of mind and a clear plan of action. 💡 In this episode, you'll learn:
      • What actually happens on settlement day.
      • Why taking the day off work might not be necessary.
      • The key tasks you must complete in the lead-up to settlement.
      • What can delay settlement—and how to create a contingency plan.
      • Pro tips for picking up your keys, moving in, and planning renovations.
      • Real-life stories from first home buyers (and what you can learn from them).
      🛠️ Resources & Links:

      • 🏡 Full First Home Buyers Program – Take control of your journey from pre-approval to settlement:
        👉 Enroll Here
      • 💬 Book a Free, Fee-Free Chat with the 360 Mortgage Solutions team:
        👉 Book Here
      🙌 Connect with Marianne:
      • Website: 360 Mortgage Solutions
      • Instagram: @360mortgagesolutions
      • Facebook: 360 Mortgage Solutions
      🔑 Primary Keyword: Settlement Day for First Home Buyers 📣 Call to Action: 💥 Loved this episode? Share it with a friend who’s buying their first home, and don’t forget to subscribe for more first home tips every week!
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      8 min
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