Not all home loans are created equal - especially if you’re a first-time buyer. In this deep-dive episode, we unpack why 10 buyers can walk into the same bank and walk out with 10 different interest rates. From loan-to-value ratios to how job history and Afterpay affect your borrowing capacity, our expert guest breaks down the behind-the-scenes world of mortgage lending.

We explore the 3 types of pre-approvals, why buy now pay later can hurt your borrowing power more than a credit card, and how banks value properties differently (sometimes by $150K!). Plus: What to do if your bank's property valuation comes back short, and how to play it smart when you're days away from an auction.

Highlights include:

The truth about low interest rates and who actually qualifies

How fast you can realistically get a pre-approval before auction

Why being “loyal” to a bank could cost you

The hidden risks of credit card point hacking

How family advice can unintentionally sabotage your home buying journey

This episode is a must-listen for anyone thinking of buying property, refinancing, or navigating mortgage approval in Australia’s tight lending environment.