The First Home Buyers Program

Maryanne Elliott

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.

  1. 2 days ago

    Episode 130 - Help to Buy Scheme: Buy Now or Wait 10 Years to Buy Your First Home?

    Would you rather own 70% of a home today and work towards owning 100%, or wait another 10 years until you can afford to buy without government assistance? In this episode of The First Home Buyers Program Podcast, Maryanne Elliott breaks down Australia's Help to Buy Scheme using two hypothetical first home buyers with very different approaches. One buyer doesn't like the idea of the government having a share in their property, so they decide to keep renting and saving until they can buy completely on their own. The other buyer uses the Help to Buy shared equity scheme to enter the property market sooner, with a long-term strategy to progressively buy back the government's share. So, who could potentially be better off in 5, 10 or even 20 years?In this episode, we cover:How the Help to Buy Scheme works for first home buyersBuying a home with as little as a 2% depositHow the government's 30% or 40% shared equity contribution worksWhy Help to Buy doesn't mean the government has to own part of your home foreverHow buying back the government's equity can work over timeWhat buying the government out in 5% increments could look likeWhy future property values matter when buying back equityThe potential cost of waiting 5 or 10 years to enter the property marketProperty growth and how it can affect both strategiesPaying down your mortgage while your property potentially increases in valueWhat can happen if your income increases after purchasing through Help to BuyThe pros and cons of using shared equity to buy your first homeWhy the lowest deposit isn't always automatically the best strategyThe big question for first home buyersIt's easy to hear the words "government shared equity" and immediately decide the Help to Buy Scheme isn't for you. But before ruling it out, it's worth comparing the alternatives. What could the property you want cost in another 5 or 10 years? How much rent could you pay while you're waiting? How much could you potentially pay off a mortgage during that same period? And could Help to Buy simply be the stepping stone that gets you into your first home sooner? Help to Buy won't be right for every first home buyer. But understanding how it works and comparing the long-term numbers can help you make a much more informed decision. 🎧 Listen now to find out whether buying sooner with Help to Buy or waiting to buy independently could make more sense for you. Need help working out your options?If you're thinking about buying your first home but aren't sure whether Help to Buy, the Australian Government 5% Deposit Scheme, a guarantor, or saving a larger deposit is the best pathway, reach out to 360 Mortgage Solutions. We can look at your individual situation, borrowing capacity and deposit and help you understand the different pathways that may be available to you. Book a free meeting with us here - https://360mortgagesolutions.com.au/ SEO Keywords: Help to Buy Scheme Australia, Help to Buy Scheme 2026, first home buyer Australia, first home buyer Queensland, shared equity scheme Australia, 2% deposit home loan, government shared equity scheme, first home buyer schemes, buying first home with 2% deposit, government home buying assistance, first home buyer mortgage broker, first home buyer home loan, buying your first home Australia, Help to Buy eligibility, first home buyer deposit.This podcast provides general information and education only and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, property price caps and other conditions apply to government schemes.

  2. 6 days ago

    Episode 129 - Help to Buy Scheme: Been Told You're Not Ready to Buy? Watch This First

    Have you been told you need to save a bigger deposit before you can buy a home? 🏡Before you assume you need to wait another 6 or 12 months, there's something you need to know.Australia's Help to Buy Scheme could provide another pathway into home ownership for eligible buyers.But here's the catch…Not every lender participates in Help to Buy, and not every mortgage broker necessarily has access to the participating lenders. So if Help to Buy hasn't been considered, you might not be seeing the full picture.In this episode of The First Home Buyers Program Podcast, we talk about why who you speak to matters when you're trying to buy your first home. We cover: 🏡 What the Help to Buy Scheme is 💰 How shared equity can potentially help eligible home buyers 🤔 Why being told "you're not ready yet" isn't always the end of the conversation 🏦 Why different mortgage brokers may have access to different lenders and options 💡 Other options that could be worth considering if you don't have a 20% deposit 📋 Questions to ask if you've been told to keep saving 🎯 Why every first home buyer should walk away with a plan, even if they aren't ready to purchase today Been told you're not ready? Don't automatically assume buying a home is years away. You might genuinely need some more time, but before spending another year saving, make sure you've explored the options that could be available to you.At 360 Mortgage Solutions, we help first home buyers understand where they stand, what options may be available and what they need to work towards next. 👉 Want to find out where you stand?Book a quick chat with our team here:https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH Listen to The First Home Buyers Program PodcastIf you're planning to buy your first home, subscribe for simple, easy to understand conversations about deposits, borrowing capacity, government schemes, home loans and the home buying process. Subscribe so you don't miss the next episode. Help to Buy Scheme Australia, Help to Buy Scheme 2026, Help to Buy first home buyers, Help to Buy shared equity, Australian Government Help to Buy Scheme, first home buyer Australia, first home buyer schemes Australia, shared equity scheme Australia, first home buyer mortgage broker, low deposit home loan Australia, how much deposit do I need to buy a house, first home buyer podcastSuggested Hashtags#HelpToBuy #FirstHomeBuyer #FirstHomeBuyers #FirstHomeBuyerAustralia #HomeBuying #MortgageBroker #HomeLoan #SharedEquity #PropertyAustralia #360MortgageSolutions General information only. Eligibility criteria, lending criteria, property price limits and other conditions apply. Your individual circumstances should be assessed before deciding whether Help to Buy or another home buying option is appropriate.

  3. 6 Aug

    Episode 128 - Do You Really Need a 20% Deposit to Buy Your First Home? Think you need a

    Think you need a 20% deposit before you can buy your first home? Think again. With property prices where they are today, saving a 20% deposit can feel almost impossible. On a $1 million property, that's $200,000 before you even factor in the other costs of buying! In this episode of The First Home Buyers Program Podcast, Maryanne Elliott from 360 Mortgage Solutions breaks down the different deposit options that may be available to first home buyers, and why not having 20% saved doesn't necessarily mean you have to put your property plans on hold.We cover: • Why a 20% deposit isn't always necessary • Buying with a smaller deposit and Lenders Mortgage Insurance, LMI • How a family guarantor may help you get into the market sooner • Government schemes that may allow eligible first home buyers to purchase with a 5% deposit without paying LMI • How the Help to Buy scheme works with as little as a 2% deposit for eligible buyers • What it means when the government takes an equity share in your property • How you may be able to buy the government's share back over time • Why the right option depends on your individual circumstances, borrowing capacity and long term plansThe big takeaway? Don't assume you can't buy simply because you haven't saved a 20% deposit. There may be more options available than you realise. The important part is understanding the different schemes, grants and lending options you may qualify for, then working out which one makes sense for your circumstances.If buying your first home feels out of reach, speak with a mortgage broker who understands first home buyers and can help you work out what's actually possible. 🎧 Listen now and find out how much deposit you might really need to buy your first home.The information in this podcast is general in nature and doesn't take into account your individual objectives, financial situation or needs. Eligibility criteria, lending policies and government scheme requirements apply and can change.

  4. 24 July

    Episode 127 - First Home Buyer Property Investment: Why You Should Understand Commercial Property

    Buying your first home is an exciting milestone, but it's also the start of your long-term property journey. In this episode of the First Home Buyers Program Podcast, Maryanne explores why every first home buyer should understand commercial property even if buying commercial real estate isn't something you're considering today. Most Australians grow up believing the property journey looks the same: buy your first home, then maybe an investment property, and eventually build a residential portfolio. But there are other pathways to building wealth, and understanding them early can help you make more informed decisions in the future. This episode isn't about convincing first home buyers to purchase commercial property. Instead, it's about broadening your knowledge so you know what opportunities may exist as your financial position changes. Whether you're saving your deposit, preparing for your first home loan, or planning your long-term financial future, this conversation will help you think beyond your very first purchase. In this episode you'll learn:Why commercial property is rarely discussed with first home buyers.The biggest myths surrounding commercial property investing.Whether you need millions of dollars to buy commercial property.How commercial property differs from residential investment.The advantages and disadvantages of commercial property ownership.Why commercial tenants often have longer leases.How commercial property may fit into a future wealth-building strategy.Why buying your first home is only the beginning of your property journey.The importance of surrounding yourself with the right finance, legal and accounting professionals.Why staying curious about property investing can create more opportunities over time.Key Takeaways Your first home doesn't have to be your forever financial strategy. As your income grows, your equity increases and your goals change, new opportunities may become available. Understanding commercial property now doesn't mean you need to invest in it today—it simply means you'll be better equipped to make informed decisions when the time is right. Knowledge creates options, and the more you learn early in your property journey, the more confident you'll become as you continue building wealth. Resources MentionedFirst Home Buyer EducationProperty Investment StrategiesCommercial Property InvestingResidential vs Commercial PropertyMortgage BrokersProperty FinanceLong-term Wealth BuildingReady to Buy Your First Home? If you're preparing to purchase your first home, we'd love to help you understand your borrowing capacity, navigate the home loan process, and create a strategy that supports both your immediate goals and your future plans. Visit 360 Mortgage Solutions to learn more or book an appointment with our team. Suggested Internal Links For SEO, I'd add links to:First Home Buyer Pre Approval GuideHow Much Deposit Do I Need?Family Home Guarantee SchemeWhat Is Borrowing Capacity?Investment Home LoansBook a Free AppointmentSEO Keywords Naturally IncludedFirst Home Buyer Property InvestmentFirst Home BuyerCommercial PropertyCommercial Property InvestingProperty Investment AustraliaResidential PropertyFirst Home LoanBuilding Wealth Through PropertyProperty JourneyMortgage Broker Australia

  5. 18 July

    Episode 126 - First Home Buyer Pre Approval: The Biggest Mistake Buyers Make Before House Hunting

    Description Should you start scrolling through realestate.com.au before speaking to a mortgage broker? In this episode of the First Home Buyer Program Podcast, Maryanne Elliott explains why getting a First Home Buyer Pre Approval should be your very first step before attending open homes or making an offer.Many first home buyers fall in love with a property before they know exactly what they can borrow. Unfortunately, this often leads to disappointment when the numbers don't stack up.Maryanne breaks down how lenders assess your borrowing capacity, why two people earning the same income can have very different borrowing limits, and why there's a big difference between the maximum you can borrow and what you should borrow. She also explains why a fully assessed First Home Buyer Pre Approval can give you greater confidence when you're ready to make an offer.Whether you're just starting your home ownership journey or already searching for your dream home, this episode will help you avoid one of the most common and costly mistakes first home buyers make. In This Episode You'll Learn Why a First Home Buyer Pre Approval should come before house hunting.What banks really look at when assessing your borrowing capacity.Why your borrowing power is about more than just your income.The difference between the maximum you can borrow and what's comfortable to repay.Why a fully assessed pre-approval provides greater confidence when buying your first home.Resources Mentioned Read our blog: First Home Buyer Pre Approval: Avoid This Common MistakeLearn more about the First Home Buyer ProgramBook a free strategy session with 360 Mortgage SolutionsConnect with 360 Mortgage SolutionsBuying your first home doesn't have to be overwhelming. At 360 Mortgage Solutions, we help first home buyers understand the process, compare lenders and secure the right home loan with confidence. Visit our website to access free resources, educational guides and information about the First Home Buyer Program.If you're ready to understand your borrowing power, we'd love to help. Keywords - First Home Buyer Pre Approval, Home Loan Pre Approval, First Home Buyer Australia, Borrowing Capacity, Mortgage Broker, First Home Buyer Tips, Home Loan Process, Buying Your First Home, First Home Buyer Podcast, Fully Assessed Pre Approval.

  6. 3 July

    Episode 125 - Family Guarantee or Buying Together? How Family Support Could Help You Buy Your First Home

    What if the biggest thing standing between you and your first home isn't your income... it's simply not knowing your options? In this episode, Maryanne shares two of the most common ways families are helping first home buyers enter the property market sooner. Whether it's using a Family Guarantee, buying a property together with parents, or exploring other family support strategies, there are often more possibilities available than people realise. In this episode you'll learn:  🏡 What a Family Guarantee is and how it works 💰 How parents may be able to help without giving you cash 👨‍👩‍👧‍👦 When buying with family could make sense ⚖️ Why legal advice is essential before purchasing together 📈 How family support can increase your buying power  💡 Why speaking to a mortgage broker early can uncover options you didn't know existed No two families are the same, which means there's no one size fits all solution. The best place to start is with a conversation. If you're wondering whether family support could help you buy sooner, we'd love to help you explore your options. 📅 Book a strategy session: https://link.teamos.ai/preview/HnVm7sq0QukREw7fQIB5 🌐 Learn more: https://www.360mortgagesolutions.com.au Disclaimer: This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. Please seek personalised financial and legal advice before making any financial decisions. ::: SEO Keywords Family Guarantee home loanFamily Guarantee AustraliaBank of Mum and DadBuying a house with parentsBuying property with familyFirst Home Buyer AustraliaGuarantor home loanMortgage Broker QueenslandHome loan help for first home buyersMulti generational livingProperty buying tipsFirst home buyer podcast

  7. 25 June

    Episode 124 - Why a Fully Assessed Pre Approval Matters More Than Ever 26 June 26

    Why a Fully Assessed Pre Approval Could Help You Secure Your Dream Home . Are you planning to buy your first home this year? Before you spend your weekends at open homes, there is one thing that could make your offer stand out from the competition. In this episode, Maryanne Elliott from 360 Mortgage Solutions explains why having a fully assessed pre approval can give you a significant advantage, especially in today's competitive first home buyer market. Many buyers are finding their dream home before their finance is fully approved, which can put them at a disadvantage when competing against other buyers. A fully assessed pre approval can give sellers more confidence and help make your offer more attractive. In this episode you'll learn: 🏡 What a fully assessed pre approval actually is 🏡 Why it can make your offer stronger than other buyers 🏡 Why waiting until you've found a property could cost you time and opportunities 🏡 How working with a mortgage broker months before you're ready to buy can improve your chances of approval 🏡 Why brokers often have access to lending options you won't find by speaking to just one bank If you're thinking about buying your first home in the next 3 to 6 months, now is the perfect time to start preparing. 📅 Book a free 15 minute chat: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH 🎓 Learn more about The First Home Buyers Program: https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c  👍 If you found this video helpful, don't forget to Like, Subscribe and leave a comment with your biggest first home buying question.

  8. 29 May

    Episode 123 - What Does “Finance Approved” Really Mean? Pre Approval vs Conditional Approval vs Formal Approval

    What Does “Finance Approved” Really Mean? Pre Approval vs Conditional Approval vs Formal ApprovalBuying your first home can feel like learning a whole new language. One of the most confusing parts of the home buying journey is understanding exactly where you stand with your finance approval.Have you been told you're pre approved, conditionally approved, formally approved, or that your contract is now unconditional? If you're not sure what the difference is, you're not alone.In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott breaks down the finance terminology used throughout the home buying process and explains what each stage means for your property purchase. In This Episode You'll Learn: ✅ What a pre approval actually means ✅ The difference between pre approval and conditional approval ✅ When your finance becomes formally approved ✅ What it means to go unconditional on a property contract ✅ Why finance and building & pest clauses are so important ✅ When your deposit becomes at risk ✅ How to know whether you're ready to proceed with your purchase ✅ Why you should always double check with your mortgage broker before making assumptions Understanding The Finance Approval ProcessMany first home buyers assume that once they receive loan documents, their finance is approved. While that's often a good sign, it's important to understand exactly where you are in the process.Maryanne explains how most Queensland property contracts are structured and why finance approval and building & pest conditions play such a critical role in protecting buyers during the purchase process.The episode also covers:Pre approval vs conditional approvalFormal approval vs unconditional approvalContract conditions and cooling off protectionsWhat happens if finance is declinedWhen you can safely proceed with your purchaseKey TakeawayA pre approval or conditional approval means the lender is generally happy with your application but still needs certain conditions met before fully approving the loan.A formal approval (also called unconditional approval) means the lender has completed their assessment and you're usually ready to satisfy the finance clause in your contract and move forward with the purchase.First Home Buyer TipIf you're ever unsure whether your loan is formally approved, don't guess.Speak with your mortgage broker, banker, solicitor, or conveyancer before waiving any contract conditions. A quick conversation can help you avoid costly mistakes and give you confidence throughout the buying process.Resources For First Home BuyersLooking to buy your first home but not sure where to start? The First Home Buyers Program is designed to help you understand the entire home buying journey, from saving your deposit through to settlement and beyond.Learn more here: https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c Connect With Maryanne Elliott360 Mortgage Solutions Helping first home buyers navigate the property market with confidence. 📱 Follow for more first home buyer tips, mortgage advice, and property education.#FirstHomeBuyer #MortgageBrokerAustralia #HomeLoanApproval #PreApproval #ConditionalApproval #FormalApproval #UnconditionalFinance #QueenslandProperty #PropertyBuyingTips #FirstHomeBuyersProgram #MortgageAdvice #HomeBuyingJourney #FinanceApproved #360MortgageSolutions #MaryanneElliott

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5
out of 5
4 Ratings

About

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.

Information

  • Creator
    Maryanne Elliott
  • Years Active
    2019 - 2026
  • Episodes
    130
  • Rating
    Explicit
  • Copyright
    © Copyright Maryanne Elliott
  • Show Website
    The First Home Buyers Program