> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: ⁠https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled⁠

In the final episode of our First Home Buyer Special series, Lee Rosenfeld and Alex Ucchino bring everything together with practical, real-world advice for navigating the property market with confidence. After covering government schemes, guarantors and stamp duty in earlier episodes, this conversation focuses on the lessons learned from working with first home buyers every day and the biggest mistakes to avoid when stepping into the market.

This episode dives into the mindset shift buyers need to make, moving away from borrowing the maximum and instead focusing on what repayments actually feel comfortable and sustainable over the long term. You will learn why budgeting properly, stress-testing your finances and planning for future life changes are essential before committing to a 30-year mortgage. The discussion also covers hidden ownership costs such as strata fees, utilities and lifestyle expenses that many buyers underestimate.

Lee and Alex also break down how to build the right professional team around you, from brokers and conveyancers to financial planners and buyer’s agents. They explain how early conversations and pre-approval can put you in a stronger position, how personal debt impacts borrowing capacity, and why flexibility and preparation can make your offer more competitive in a fast-moving property market.

If you are a first home buyer wanting clarity, confidence and practical guidance before making one of the biggest financial decisions of your life, this episode wraps up the series with the key steps to help you move forward.

Lee Rosenfeld | Innovative Home Loans

⁠https://innovativehomeloans.com.au/our-team/lee-rosenfeld/⁠

Alex Ucchino | Innovative Home Loans

⁠https://innovativehomeloans.com.au/our-team/alex-ucchino/⁠

The Grey Creative Studio | Podcast Studio & Production

https://www.thegrey.au/

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled

In Part 3 of our First Home Buyer Special, we break down the key first home buyer schemes available in NSW, with a focus on how to reduce upfront costs and make buying your first property more achievable.

Lee and Alex from Innovative Home Loans, explain how the First Home Buyer Assistance Scheme works; including stamp duty exemptions for properties up to $800,000 and concessions up to $1 million. They also cover the owner-occupier requirements, timing rules, and common mistakes that can leave buyers with an unexpected stamp duty bill.

This episode further explores how different schemes can be used together, including low-deposit loans, guarantors, and government guarantees, and when it might make sense to pay a small amount of stamp duty to secure a better property or location.

Lee and Alex also talk through the First Home Super Saver Scheme, how it actually works in practice, who it suits, and what you need to set up well before buying. Finally, they touch on the upcoming Shared Equity Scheme, which could allow eligible buyers to purchase with as little as a 2% deposit.

If you’re serious about buying your first property and want clear, practical advice without the fluff, this episode is a must-listen.

Lee Rosenfeld | Innovative Home Loans

https://innovativehomeloans.com.au/our-team/lee-rosenfeld/

Alex Ucchino | Innovative Home Loans

https://innovativehomeloans.com.au/our-team/alex-ucchino/

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled

Welcome back to Part 2 of the First Home Buyer Special series. In this episode, Lee sits down with Alex to explore one of the most influential yet often misunderstood strategies in the Australian property landscape: security guarantees, commonly known as the “Bank of Mum and Dad.” The conversation sets out to demystify how these guarantees really work and why they’ve become such a powerful tool for buyers trying to enter the market sooner.

Lee and Alex walk through the practical side of guarantor loans, explaining who can act as a guarantor, how family equity can reduce or eliminate lender’s mortgage insurance, and why this approach often allows buyers to enter the market with little or no deposit. They also discuss how security guarantees differ from government initiatives like the First Home Guarantee Scheme, helping listeners understand when each option might apply.

The discussion also tackles common misconceptions, particularly around borrowing capacity and the level of involvement required from family members. Lee and Alex explain what guarantors are actually responsible for, the legal and financial considerations they need to be aware of, and why clear communication and proper advice are essential for protecting everyone involved.

Finally, the episode looks at how guarantees can be used strategically by first home buyers and rentvestors to build long-term wealth, while also recognising the situations where a guarantor may not be the right fit. Whether you're a first home buyer, a supportive family member, or someone navigating the complexities of the Australian property market, this episode offers practical, grounded insights to guide confident decision-making

Lee Rosenfeld | Innovative Home Loans

https://innovativehomeloans.com.au/our-team/lee-rosenfeld/

Alex Ucchino | Innovative Home Loans

https://innovativehomeloans.com.au/our-team/alex-ucchino/

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled

In this first episode of our special four-part First Home Buyer Series, Lee Rosenfeld and Alex Ucchino from Innovative Home Loans break down the biggest changes hitting the Australian property market and what they mean for anyone trying to step into their first home. With “FOMO” rising and the market heating up again, we unpack how to stay calm, informed, and prepared as a buyer.

This episode dives deep into the revamped First Home Guarantee Scheme, including the removal of income caps, the new $1.5M purchase limit, and what buyers really need to know before banking on a 5% deposit. Lee and Alex share real insights as experienced Mortgage Brokers helping first home buyers avoid common traps, understand long-term planning, and navigate an increasingly competitive property market.

If you're a first home buyer, navigating your borrowing capacity, or trying to make sense of the rapidly shifting property and lending market, this episode lays the foundation for smarter decisions in 2025 and beyond.

Stay tuned! Part 2 will dive into guarantors, alternative pathways into the market, and more expert insights to help you buy with confidence.

Lee Rosenfeld | Innovative Home Loans

https://innovativehomeloans.com.au/our-team/lee-rosenfeld/

Alex Ucchino | Innovative Home Loans

https://innovativehomeloans.com.au/our-team/alex-ucchino/

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled

If you haven’t yet listened to Part 1, we highly recommend starting there — it sets the foundation for this powerful follow-up episode on solar energy, property, and financial sustainability.

This episode with Trent Amber, Co-Founder of AG Solar diving deeper into the real financial benefits of solar panels, battery storage systems, and government solar rebates. Discover how Aussie homeowners are turning to solar and green energy to slash power bills, boost property value and build homes that practically pay for themselves. Lee and Trent chat about how these changes aren’t just great for the planet — they’re a smart financial move too.

They also dive into the exciting world of smart home tech, EV charging and new solar battery finance options that make going green easier than ever.

If you’re looking to ease mortgage stress, save more on energy and invest in a sustainable future for your home, this episode’s packed with insights you don’t want to miss.

Lee Rosenfeld | Innovative Home Loans

⁠⁠https://www.innovativehomeloans.com.au/⁠

Trent Amber | AG Solar

https://www.agsolar.com.au/

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled

In this episode of The Property and Lending Podcast, host Lee Rosenfeld, Director and Mortgage Broker at Innovative Home Loans, sits down with Trent Amber, Co-Founder of AG Solar, to discuss how solar panel homes are revolutionising the world of property, finance, and sustainable lending in Australia.

They unpack how installing solar energy systems can significantly boost property value, lower energy bills, and even improve borrowing capacity through reduced household expenses. Trent and Lee dive into how solar upgrades can help homeowners qualify for green home loans, attract environmentally conscious buyers, and gain long-term returns on investment.

The conversation also explores government solar rebates, battery storage solutions, virtual power plants (VPPs), and the growing demand for energy-efficient properties in today’s competitive housing market.

Whether you’re a homeowner, first-home buyer, or property investor, this episode reveals practical strategies for using solar power to save money, reduce your carbon footprint, and make smarter financial and property decisions for the future.

Lee Rosenfeld | Innovative Home Loans

⁠⁠https://www.innovativehomeloans.com.au/⁠

Trent Amber | AG Solar

https://www.agsolar.com.au/

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled

In Part 1, Lee and Aaron unpacked the fundamentals of property tax planning, including depreciation schedules, repairs vs renovations, and the pitfalls of tainting loans. They also explored how accountants can guide investors through negative gearing, capital gains, and compliance strategies to protect wealth and minimise tax.

In Part 2, we take the conversation further with Aaron Roberts from Delante Accountants, diving into advanced topics that every property investor and business owner should understand. From debt recycling and investment loan structuring to choosing the right ownership entity—whether in your own name, a trust, or a company—Aaron explains how the right setup can maximise tax benefits and protect your assets.

We also break down the complexities of self-managed super funds (SMSFs), including what you can and can’t invest in, compliance requirements, and when it makes sense to establish one.

Throughout the episode, Lee and Aaron highlight the importance of building the right financial team from accountants, brokers, advisors, and solicitors so that they can work with you, to support your long-term wealth goals.

Whether you’re just starting your property investment journey or expanding your portfolio, this episode is packed with strategies to help you avoid costly mistakes, structure your investments wisely, and plan for financial success.

Lee Rosenfeld | Innovative Home Loans

⁠⁠https://www.innovativehomeloans.com.au/⁠

Aaron Roberts | Delante Accountants

https://www.delanteaccountants.com.au/

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.

-> Ready to make confident decisions about your home loan? Connect with Lee Rosenfeld and the team at Innovative Home Loans to book your choice of a First Home Buyer Discovery Call, Home Loan Discussion, Home Loan Meeting, or Home Loan Review here: https://outlook.office.com/book/hghjg@innovativehl.com.au/?ismsaljsauthenabled

Are you making the most of your property investments? Do you really understand how tax strategies like negative gearing and capital gains impact your wealth? And when’s the right time to switch accountants—or find one that actually gives you the right advice?

Host Lee Rosenfeld, Director and Experienced Mortgage Broker from Innovative Home Loans sits down with Aaron Roberts from Delante Accountants to explore the critical role accountants play in property investment, business finance, and tax planning. They uncover why choosing the right accountant is one of the most important financial decisions you’ll ever make and how it can directly impact your wealth, compliance, and peace of mind.

Aaron shares practical accounting insights for property investors and business owners, from switching accountants and streamlining compliance to structuring investment properties, reducing capital gains tax, and leveraging negative gearing effectively. The discussion also covers depreciation, superannuation contributions, and long-term financial planning, with real-world examples that show how the right strategies can save you thousands.

Whether you’re buying your first investment property, juggling multiple portfolios, or running a growing business, this episode delivers actionable advice on property finance, tax minimisation, and accounting strategies to help you maximise returns and plan for the future.

Lee Rosenfeld | Innovative Home Loans

⁠⁠https://www.innovativehomeloans.com.au/⁠

Aaron Roberts | Delante Accountants

https://www.delanteaccountants.com.au

***Disclaimer: The topics, conversation, opinions and discussion provided in this episode are general in nature and does not take into account your personal needs and requirements. As a listener you should not take or use the information discussed as financial advice. We always recommend that you engage in independent financial advice before making any finance decisions.