03 Jul Podcast: Finance File – Relocating and Buying Interstate Impacts on Borrowing Capacity
In this week’s episode of You Have My Interest, we run through a real-life finance file where we helped a couple, originally from South Africa and now permanent residents in Australia, secure their first home while relocating interstate. With only one applicant’s income able to be used for servicing, since the other applicant’s job couldn’t continue in the new state, we explored how this impacted their borrowing capacity and how we structured their loan. We cover how they built up genuine savings, including using the First Home Super Saver Scheme, why they chose to borrow 93% of the property value while keeping a solid savings buffer, and break down the loan structure and product features they’ve gone with.
26 Jun Podcast: Finance File – FHB Solo Purchase with No LMI at 95%
This week on You Have My Interest, we break down a real first home buyer scenario to show how government initiatives can help make homeownership possible. We share the journey of a 32-year-old nurse unit manager in Victoria who purchased her first property using the First Home Buyer Government Guarantee Scheme, avoiding lenders’ mortgage insurance, and explored eligibility for both this and the First Home Owner Grant.
19 Jun Podcast: Deep Dive – BNPL Reforms and Borrowing Capacity Impact
In this episode of You Have My Interest, we take a deep dive into the new regulations affecting Buy Now Pay Later (BNPL) services in Australia and what they mean for everyday consumers. From 10 June, providers like Afterpay and Zip must operate as regulated credit products. This means holding an Australian credit licence, performing checks on new applicants, and reporting repayments and missed payments to credit bureaus.
22 May Podcast: Deep Dive – RBA Cash Rate and Election Impacts on Housing and Interest Rates
In this week's episode of You Have My Interest, Evelyn unpacks the recent RBA cash rate cut and what it means for mortgage repayments, borrowing power, and future interest rate expectations.
18 Feb 12 Essential Tips for Buying First Home in Melbourne: 2025 Guide
Buying your first home in Melbourne is an exciting time, but it can also feel overwhelming with rising property prices and complex loan options. Owning a home gives you stability, financial security, and a place to truly call your own. That’s why knowing the right...
11 Jul Podcast: Finance Files – FHB Gov Guarantee Scheme Explained
In this episode Evelyn breaks down the First Home Buyer Government Guarantee Scheme. Evelyn provides a detailed look at the eligibility criteria, using a real-life example of a client she assisted.