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. 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

  2. 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.

  3. 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

  4. 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.

  5. 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

  6. 22 May

    Episode 122 -3 Things Every First Home Buyer Should Focus on Right Now

    Feeling overwhelmed about buying your first home? You’re not alone. With rising property prices, changing lending rules, and so much conflicting advice online, it’s easy to feel stuck before you even begin.In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, Director of 360 Mortgage Solutions, breaks down the three key things every first home buyer should focus on right now to put themselves in the best possible position to enter the property market confidently.Whether you’re planning to buy in the next 6 months or the next few years, these practical first home buyer tips will help you prepare financially, avoid common mistakes, and create a clear path toward home ownership.In This Episode, You’ll Learn:How to build savings and structure your bank accounts effectivelyWhy lenders look at your “capacity to repay”The importance of checking your credit file and credit score earlyCommon credit mistakes that can delay your home loan approvalWhy speaking with a mortgage broker early can save you thousandsHow first home buyer grants and schemes may help you avoid lenders mortgage insurance (LMI)Why preparation is the key to reducing stress when buying your first homeKey Takeaways for First Home BuyersBuying your first home doesn’t have to feel impossible. By focusing on your savings habits, monitoring your credit file, and getting guidance from an experienced mortgage broker, you can set yourself up for success long before you’re ready to apply for a home loan.The earlier you start preparing, the easier the process becomes.Resources MentionedEquifax Free Credit ReportFirst Home Buyer Grants and SchemesMortgage Broker Guidance for First Home BuyersAbout Maryanne ElliottMaryanne Elliott is the Director of 360 Mortgage Solutions and has spent years helping first home buyers navigate the home loan process with confidence. After working for one of Australia’s major banks for over 13 years, Maryanne became passionate about educating Australians on property, finance, and financial literacy.Connect with 360 Mortgage SolutionsIf you’re thinking about buying your first home and want guidance on where to start, connect with the team at 360 Mortgage Solutions.🎧 Don’t forget to subscribe to The First Home Buyer Program Podcast for more simple, practical advice to help you get into the property market sooner.

  7. 17 Apr

    Episode 121 : Is the Market Scary Right Now? Here’s What First Home Buyers Need to Know

    Episode Summary If you’re a first home buyer right now and feeling unsure about the market… you’re not alone. With rising interest rates, high property prices, and constant media noise, it’s easy to feel like you’ve either missed your chance or you’re about to make the wrong decision. In this episode, we unpack what’s really going on and shift the focus away from short-term fear… and onto long-term strategy. Because buying your first home isn’t about perfectly timing the market, it’s about putting yourself in a position to move forward with confidence. What We Cover 😟 Why the Market Feels So Scary Right Now We talk about the common fears first home buyers are experiencing, including:“Have I missed my opportunity?”“What if I buy at the wrong time?”“Should I wait until things settle?”If you’ve had any of these thoughts, this episode is for you. 🔄 The Mindset Shift You Need to Make One of the biggest takeaways from this episode is learning to shift from:A short-term view of the market toA long-term property strategyBecause focusing on what’s happening right now can often hold you back from making progress. ⏳ Why You Can’t Time the Market We break down why trying to “pick the perfect time” rarely works and can actually cost you more in the long run. The reality is:The market is always changingNo one can predict it perfectlyWaiting can sometimes move you further away from your goal🏡 Property is a Long-Term Game Your first home isn’t just about today, it’s about:Your future financial positionBuilding equity over timeCreating stabilityWe share real perspective on how buyers who felt nervous at the time are now grateful they took action. ⚖️ The Risks of Waiting Waiting might feel like the safer option, but it can come with hidden downsides:Rising property pricesReduced borrowing powerStaying stuck in the rental cycleDelaying your long-term goals💡 What Actually Matters More Than the Market Instead of focusing on headlines, we bring it back to what really matters:Your financial positionYour borrowing capacityYour goals and timeframeBecause when these are clear, the market becomes a lot less overwhelming. 🧠 Confidence Comes From Clarity When you understand your numbers and your options, everything changes. You move from:Feeling unsure and reactive toFeeling confident and in controlKey Takeaway Don’t let short-term fear stop you from making long-term progress. The market will always have ups and downs, but your focus should be on your own journey and what’s right for you. 🎯 Your Next Step If you’re not sure where you stand right now, that’s completely normal. The best place to start is simply having a conversation. Once you understand your position, your options, and your next steps… everything becomes a lot clearer. Connect With Me 📲 Follow along for more first home buyer tips 💻 Check out the First Home Buyers Program - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c 📅 Book a quick chat to understand your options and get started - https://link.teamos.ai/widget/bookings/maryanne-elliott-phone-meeting

  8. 19 Mar

    Episode 120 : The “I’ll Buy Later” Trap: Why Waiting Could Cost You Your First Home

    In today’s episode, Maryanne Elliott from 360 Mortgage Solutions dives into one of the most common mistakes first home buyers make -  waiting too long to enter the property market. With constant headlines about interest rates, global uncertainty, and property trends, it’s easy to fall into the trap of thinking you should “wait until things settle.” But here’s the truth: there will always be a reason not to buy. So how do you know when is the right time to buy your first home? Maryanne breaks it down in a practical, no-nonsense way — helping you shift your focus from external noise to what actually matters: your readiness. 💡 What You’ll Learn in This Episode:Why trying to “time the market” can backfireReal-life lessons from buyers who delayed during COVIDThe hidden costs of waiting (it’s more than just price increases)How rising property prices can impact your lifestyle long-termThe confidence trap that keeps renters stuckA powerful mindset shift to help you take actionA simple question to determine your readiness to buy🚨 Key Takeaway: The best time to buy isn’t when the market is perfect, because it never will be. 👉 The right time to buy your first home is when:You have your pre-approvalYour deposit (or scheme eligibility) is readyYou feel personally readyYou find the right property🧠 Action Step: Ask yourself this powerful question: “What would need to be true for me to buy in the next 6–12 months?” Then reverse-engineer your plan from there. This simple exercise helps you move from feeling stuck → to taking control. 🎓 Ready to Take the Next Step? If you’re not quite ready yet, that’s okay start building your confidence and knowledge with the First Home Buyers Program 👇  👉 Full First Home Buyers Program: https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5c  👉 Book a Fee-Free Strategy Session: https://360mortgagesolutions.com.au/contact-us/ 📣 Final Thoughts: Waiting might feel safe… but it could be quietly costing you more than you realise. Start preparing now so you can confidently step into the market when you’re ready — not when the headlines tell you to be.

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Ratings & Reviews

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
    127
  • Rating
    Explicit
  • Copyright
    © Copyright Maryanne Elliott
  • Show Website
    The First Home Buyers Program

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