The First Home Buyers Program

Maryanne Elliott
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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. 11/28/2025

    Episode 115 - Refinancing for First Home Buyers – What You Need to Know in 2026

    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 buyersCommon myths (and truths) about refinancingSigns it might be time to look at a new loanWhat to be mindful of—like equity, timing, and feesWhy 2026 could be a smart time to refinanceHow 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!

    7 min

  2. 11/14/2025

    Episode 114 - 3 Real Client Scenarios: How We Helped Buyers Get Approved With Low Borrowing Capacity

    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 calculationsHow using a portion of your deposit to clear debt can increase your borrowing capacityThe surprising before-and-after difference for this client2. 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 optionsWhy co-buying can be a smart stepping stone to your long-term goalsHow the pair structured the loan and made the purchase work for both incomes and lifestyles3. 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 everythingHow purchasing a more affordable investment property created a strategic entry into the marketThe 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 borrowWhy reducing debt can improve borrowing more than increasing your incomeWhen co-buying makes sense — and when it doesn’tWhy investing first is sometimes the smarter, faster moveThe mindset shift that helps buyers get into the market soonerReal results from real clients (no theory, no fluff)🎧 Listen Now This episode is perfect for: First home buyersSelf-employed buyersAnyone 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/360mortgagesolutionsFollow 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.

    7 min

  3. 11/06/2025

    Episode 113 - What Really Happens on Settlement Day: A First Home Buyer’s Guide

    📄 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 SolutionsInstagram: @360mortgagesolutionsFacebook: 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!

    8 min

  4. 10/24/2025

    Episode 112 - Post-Settlement Mortgage Checklist: What to Do After Your Home Loan Settles

    🎉 Settlement's done—congrats! Now what? In this video, I walk you through your post-settlement mortgage checklist so your loan is set up correctly from day one. We’ll cover how to check your repayments, structure your banking, and make sure your offset account is working for you—not against you. 🔍 Whether you're a first home buyer or refinancing, getting this part right will save you money, stress, and time. 📌 What You’ll Learn: ✅ How to confirm your loan repayments are correct💸 Why your direct debit setup matters🏦 How to structure your bank accounts for easier budgeting🔄 Tips for using your offset account to reduce interest🚨 What red flags to watch for in the first few weeks post-settlement🔗 Helpful Links: 👉 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here 👉 First Home Buyer Mini Course (Free): Join Here 👉 Full First Home Buyers Program: Enroll Here 💬 Want Help Reviewing Your Loan Setup? We offer personalised reviews to make sure your mortgage is optimised, your banking is structured, and you’re not losing money to simple setup mistakes. 📲 Contact us today or leave a comment with your questions! 📢 Don’t Forget to Like, Subscribe & Share! If this video helped you, hit like, subscribe, and share it with someone who just bought a home!

    5 min

  5. 10/09/2025

    Episode 111 - Choose Your Hard - and Start Preparing Now

    🏡 Episode Description Feeling like buying your first home is just too hard? You’re not alone. In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, mortgage broker and educator, breaks down the biggest barrier most first-time buyers face — their mindset. Maryanne explains why the property market feels tougher than ever, what “choosing your hard” really means, and how you can start preparing right now even if you’re not ready to buy yet. You’ll learn practical steps to build confidence, save your deposit, and understand what lenders look for — so when the time comes, you’re fully prepared to step into the market. 🧠 Key TakeawaysWhy mindset is the biggest challenge for first home buyers in 2025.The meaning behind “choose your hard” and how it applies to buying your first home.Smart ways to prepare before you’re ready to purchase — from saving a deposit to exploring rentvesting and co-buying.How education and preparation can help you buy sooner, with confidence and less stress.How The First Home Buyer Program can guide you step-by-step through the process.🔗 Resources & Links🎓 Join The First Home Buyer Program – Start learning what to expect, what lenders look for, and how to get your finances ready.📘 Free Mini Course – Get a taste of the program and start building your first home plan.📅 Book a chat with Maryanne: calendly.com/360mortgagesolutions💬 Connect with MaryanneInstagram | @360mortgagesolutionsFacebook | 360 Mortgage SolutionsWebsite | 360mortgagesolutions.com.au  first home buyer Australia, how to buy your first home, mindset for first home buyers, saving for a deposit, preparing to buy a home, first home buyer tips, rentvesting, co-buying property, Maryanne Elliott mortgage broker, 360 Mortgage Solutions, The First Home Buyer Program.

    6 min

  6. 09/19/2025

    Episode 110 - Why More First Home Buyers Are Teaming Up with Parents

    Buying your first home has never been more challenging. With house prices climbing and supply tight, more First Home Buyers are turning to co-borrowing with their parents as a way to finally get into the market. In this episode of The First Home Buyers Program Podcast, I cover:Why families are choosing to co-borrowThe main benefits (borrowing power, shared costs, entering the market sooner)The drawbacks you need to watch out forPractical tips to make co-borrowing a success✨ If you’re considering co-borrowing as a First Home Buyer, let’s talk about the right structure for your situation. Book a chat with me via the link in the show notes: https://calendly.com/360mortgagesolutions

    5 min

  7. 09/13/2025

    Episode 109 - Fixed vs Variable Home Loans in 2025: Which One’s Right for You?

    Episode Description: When it comes to choosing between a fixed or variable home loan, first home buyers in 2025 have a big decision to make. In this episode, I simplify the confusion and walk you through what you really need to know about fixed vs variable home loans in 2025. You’ll discover: The difference between fixed and variable home loansPros and cons of each option in 2025How to decide which suits your lifestyle and financial goalsWhy split loans could be a smart choice✨ Free resources to make your first home journey easier: 👉 Join the Free First Home Buyer Mini Course 👉 Enroll in the Full First Home Buyers Program 👉 Book a Fee-Free Meeting with 360 Mortgage Solutions

    4 min

  8. 09/13/2025

    Episode 108 - BNPL is the Sneaky Culprit Keeping You Behind Your Paycheque

    In this episode, we dive into the hidden dangers of buy now pay later accounts. They may seem like an easy way to spread out payments, but the reality is they can trap you in a cycle of debt, reduce your savings power, and even limit your borrowing capacity when it comes to applying for a mortgage. If you’ve ever felt like your paycheck disappears before it arrives, this episode is for you. What You’ll Learn in This Episode: Why buy now pay later accounts aren’t as harmless as they seem.How they can reduce your home loan borrowing capacity.The psychology behind why so many people fall into the BNPL cycle.Simple, practical steps to get out of the cycle and take back control of your money.How speaking with a mortgage broker can put you on the right track toward financial freedom.Quick Tips to Break the Cycle ✅ Audit all your BNPL accounts. ✅ Pay them down one at a time. ✅ Switch to debit or cash for everyday spending. ✅ Build a savings buffer for emergencies. ✅ Get expert guidance if you’re planning to apply for a loan. Resources and Links Mentioned in This Episode 🏡 Book a Fee-Free Meeting with 360 Mortgage Solutions: Book Here🎓 First Home Buyer Mini Course: Join Here📘 Full First Home Buyers Program: Enroll HereFinal Thoughts Buy now pay later accounts might promise convenience, but they could be the reason you’re always living behind your paycheck—and the reason your dream home feels out of reach. Tune in now to learn how to break free from the cycle and set yourself up for long-term financial success.

    9 min
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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 - 2025
  • Episodes
    115
  • Rating
    Explicit
  • Copyright
    © Copyright Maryanne Elliott
  • Show Website
    The First Home Buyers Program

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