Unlocked Finance

chloeft
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  • Investing
  • Updated Weekly

Unlocked Finance is your guide to navigating the world of home loans and mortgages. Each episode unpacks the finance side of buying a home — from first home buyer basics to refinancing, interest rates, and everything in between — so you can make confident, informed decisions on one of the biggest purchases of your life.

  1. Oct 12

    Bonus EPISODE 13 - Behind the scenes on Home Loans.

    What makes a loan application a dream file - and what sends it straight to the bottom of the que? We’re breaking down the things that speed up applications, the common mistakes that cause delays, and how to give your lender everything they need to get your deal moving.

  2. Oct 4

    Episode 12 Beyond the Home to the Business.

    A business owner buys a new ute in June, then applies for a home loan in July — and the order alone costs them tens of thousands in borrowing power. In the finale of our self-employed block, Chloe and Sam unpack chattel mortgages, balloon payments, and why business debt can quietly shrink your home loan borrowing capacity.

  3. Sep 27

    Episode 11 Business Owners Get Loan - Ready Game Plan

    Exactly what self-employed borrowers should be doing at two years, one year, and three months out from a home purchase; aligning your tax strategy, separating business and personal accounts, and cleaning up lingering debts early, when it's easy. Plus: why a free pre-assessment six months out is the most underused move in self-employed lending, and the "no surprises" rule that can make or break your file in the final stretch.

  4. Sep 20

    Episode 10 - Self Employed Checklist What Lenders Want to See

    Self-employed and wondering what lenders actually want to see? Unlocked breaks down the full-doc checklist, the wobbly-year problem, and when alt-doc lending is a smart bridge versus a red flag. Plus: a common tax-return timing trap that can shrink your borrowing power without your income changing at all — and why your accountant needs to know your plans months before you apply.

  5. Sep 13

    Episode 9 - Self Employed Home Loans

    Self-employed and worried the banks won’t touch you? In this episode, Chloe and Sam bust the biggest myth in lending and reveal how your business income, tax returns and add-backs could mean your borrowing power is stronger than you think.

  6. Sep 7

    Episode 8 - From Offer to Keys: Contract to Settlement

    Offer accepted. Now what?! 🏡🔑 The contract is signed, the champagne is calling… but there are still 4–6 weeks before you get the keys. From finance and building & pest to conveyancers, deadlines, insurance and settlement, Chloe and Kris break down exactly what happens next — without the panic. Because getting the “Congratulations, they’ve accepted your offer!” call is just the beginning. 🎙️

  7. Aug 31

    Episode 7 What Does a Mortgage Broker Actually Do? (and who pays us)

    What do Finance and Mortgage Brokers actually do?  How do we get paid and how are we different to Banks?

  8. Aug 25

    Episode 6 Offset Accounts and Redraw

    Offset vs Redraw: What's the Difference (and Does it Matter)? 💸 Two features, two very different ways to save on interest — and most people have no idea which one they've actually got! In this episode of Unlocked Finance, we unpack offset accounts and redraw facilities: what they are, how they work, and why the difference could save (or cost) you thousands over the life of your loan.

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About

Unlocked Finance is your guide to navigating the world of home loans and mortgages. Each episode unpacks the finance side of buying a home — from first home buyer basics to refinancing, interest rates, and everything in between — so you can make confident, informed decisions on one of the biggest purchases of your life.

Information

  • Creator
    chloeft
  • Years Active
    2026
  • Episodes
    13
  • Rating
    Clean
  • Copyright
    © Copyright 2026 All rights reserved.
  • Show Website
    Unlocked Finance