Dollars & Distractions

If you've ever thought about investing, chances are you've considered residential property or shares.
But what about commercial property investing? In this episode of Dollars & Distractions, Maryanne and Bec unpack why commercial property is often overlooked, why more Australians are starting to explore it, and the key differences between buying commercial and residential property.

Whether you're a business owner, investor, or simply curious about building long-term wealth, this episode is designed to help you understand another investment option—without the jargon or sales pitch. In this episode we discuss:

• Why most Australians naturally think about residential property first.
• The biggest misconceptions about commercial property investing.
• Whether you need millions of dollars to buy commercial property.
• The benefits of commercial property compared with residential investments.
• Longer lease terms and why businesses often stay for years.
• Why commercial tenants commonly pay outgoings such as rates and insurance.
• The risks and challenges of commercial investing.
• Using equity in your home to purchase commercial property.
• Buying commercial property through a Self Managed Super Fund (SMSF).
• Why having the right broker, accountant and commercial solicitor matters.
• Whether commercial property could suit everyday investors—not just large corporations.

Commercial Property vs Residential Property Residential property has traditionally been the go-to investment for Australians, but commercial property offers a different set of opportunities.

During this conversation, we explore:

• Potentially longer-term tenants.
• Different cash flow characteristics.
• How commercial leases work.
• Why commercial properties can sometimes generate stronger yields.
• The additional risks, costs and vacancy considerations investors should understand before purchasing.

Can You Buy Commercial Property Through an SMSF?
We also discuss how some investors purchase commercial property using a Self Managed Super Fund (SMSF) and why this strategy has become a bigger topic of conversation recently.
This isn't suitable for everyone, but understanding the option could open conversations with your financial adviser or accountant if you're looking at different ways to invest for retirement.

Thinking About Commercial Property?
Commercial investing isn't necessarily better than residential investing—it simply suits different goals.

The key takeaway from this episode is to understand all of your options before making investment decisions and surround yourself with the right professionals who can guide you through the process. Resources Mentioned

• Commercial property investing
• Self Managed Super Funds (SMSF)
• Commercial lending
• Commercial leases
• Property investment strategies
• Using equity to invest
• Business premises ownership

Connect with 360 Mortgage Solutions
Thinking about purchasing commercial property, buying your own business premises, or simply exploring your finance options?
Our role is to help you understand what's possible and connect you with the right professionals so you can make informed decisions.
🌐 https://360mortgagesolutions.com.au

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Think the lowest interest rate always means the best home loan?

Think again. 

In this episode of Dollars & Distractions, Maryanne and Bec unpack one of the biggest misconceptions in home lending—that your interest rate is the only thing that matters.

From refinancing costs and lender policies to life changes, property values and long-term financial strategy, they explain why choosing (or keeping) a home loan is about much more than chasing the lowest advertised rate.
Whether you're thinking about refinancing, buying your first home, investing, or simply wondering if you're paying too much, this episode will help you understand what mortgage brokers actually look at behind the scenes. In this episode you'll learn:

• Why a higher interest rate isn't always a bad thing
• When refinancing actually costs you more than it saves
• How loan size affects the discounts lenders offer
• Why lender policy can be more important than interest rate
• How property value growth can help you negotiate a better rate
• Why your mortgage should evolve as your life changes
• How mortgage brokers compare lenders beyond just the headline rate
• Real client stories showing why the "cheapest" option isn't always the best

If it's been more than 12 months since someone reviewed your home loan, this episode is your reminder that your mortgage should be reviewed just like your insurance or super.

Key Takeaway
The best home loan isn't always the one with the lowest interest rate, it's the one that helps you achieve your financial goals both today and in the future.

Connect with 360 Mortgage Solutions
🌐 https://www.360mortgagesolutions.com.au
📱 Follow us on Facebook, Instagram, TikTok & YouTube:
@360MortgageSolutions
📅 Book a free home loan review:
https://app.teamos.ai/v2/preview/VnIGaMOE64W6aAlEHG9o?notrack=true

Subscribe If you enjoyed this episode, don't forget to follow Dollars & Distractions so you never miss an episode packed with practical money conversations and real-life mortgage advice.

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Is the Bank of Mum and Dad the Only Option? Multi Generational Living Explained Is buying a home becoming a family affair?

In this episode of Dollars & Distractions, Maryanne and Bec chat about one of the biggest trends they're seeing in today's property market... families buying together.

From parents helping first home buyers, to grandparents moving in, dual living homes, guarantor loans and multi generational households, they explore the different ways families are working together to make home ownership possible.

This isn't just about money. It's about creating opportunities, supporting each other through rising living costs, and building long term wealth together. If you've ever thought:

• "We'll never save a 20% deposit."
• "Could Mum and Dad help?"
• "Would buying with family actually work?"
• "What happens if someone wants to move out later?"

...this episode is for you. In this episode we cover:
🏡 What multi generational living actually looks like today
👨‍👩‍👧‍👦 Why more Australian families are buying property together
💰 Different ways parents can help, including guarantor loans, gifts and buying together
📈 How buying with family can increase your borrowing power 
⚖️ The legal conversations every family should have before buying together 
❤️ The emotional benefits of living closer to family
🚪 Why talking to a mortgage broker early can uncover options you didn't know existed As always, there are no one size fits all solutions. Every family is different, but having the conversation early could open doors you didn't even know were available. If you're wondering what buying with family could look like for your situation, we'd love to help you explore your options.

📞 Book a strategy session with 360 Mortgage Solutions:
https://link.teamos.ai/preview/HnVm7sq0QukREw7fQIB5 
 Instagram: https://www.instagram.com/360mortgagesolutions
Facebook: https://www.facebook.com/360MortgageSolutions
Website: 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. Always seek personalised financial and legal advice before making property or lending decisions.
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With interest rates, media headlines, social media opinions, and endless market predictions flying around, it can be hard to know whether now is the right time to buy a property or whether you should sit tight and wait. In this episode, Maryanne and Bec unpack one of the most common questions they hear from clients: "Should I buy now, or should I wait?"

Drawing from their own recent property buying experiences, they explore why timing the market isn't always as straightforward as it sounds and why focusing on your personal circumstances may be far more important than trying to predict what the market will do next. In this episode, we discuss: 🏡 Why waiting for a property market "crash" may not always work out as planned
🏡 How media headlines and social media algorithms can influence your mindset about property 🏡 The importance of having a pre-approval in place before finding your dream home
🏡 Why property decisions should be based on affordability and long-term goals rather than fear 🏡 How different market conditions create opportunities for different buyers
🏡 The difference between buying an investment property and buying your forever home
🏡 Why outside opinions from friends, family, and the guy at the barbecue aren't always the best source of advice
🏡 The role intuition can play when making big financial decisions
🏡 How to cut through the noise and focus on what matters most for your situation

Key Takeaway There will always be experts predicting what's next, but nobody has a crystal ball. The right time to buy isn't necessarily when rates are lowest or when the market is at the bottom. The right time is when you're financially comfortable, have done your research, and find a property that fits your goals and lifestyle. Need help understanding your borrowing power?

If you're wondering whether now is the right time for you to buy, chat with the team at 360 Mortgage Solutions. We can help you understand your options, calculate your borrowing capacity, and put a plan in place so you're ready when the right property comes along.

Connect with Us
📱 Follow 360 Mortgage Solutions on social media
🌐 Visit: www.360mortgagesolutions.com.au
📅 Book a chat with our team: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

Disclaimer The information discussed in this podcast is general in nature and is provided for educational and entertainment purposes only. It does not constitute financial advice. Always seek professional advice tailored to your personal circumstances before making financial decisions.

Have you ever wondered how mortgage brokers get paid? Or what happens when you're sitting on a valuable property but don't have enough cash flow to enjoy life? In this episode of Dollars and Distractions, Maryanne and Bec start with a funny story involving a curious 12-year-old and end up diving into one of the most misunderstood topics in lending: equity unlocks.

They discuss:
✅ How mortgage brokers are paid
✅ Common misconceptions about broker commissions
✅ What clawbacks are and how they affect brokers
✅ What an equity unlock is
✅ How retirees can access the value in their home without selling
✅ Real-life examples of clients using equity to improve their lifestyle
✅ Using equity to invest, renovate, consolidate debt or purchase a business Whether you're approaching retirement or simply wondering how to make your property's equity work harder for you, this episode is packed with practical insights.

Key Takeaways

• Mortgage brokers are typically paid by the lender, not the client.
• A broker's commission does not increase your interest rate.
• Brokers can experience "clawbacks" where commissions are reclaimed if loans are closed within a certain period.
• Equity unlock products can help retirees access the value in their home without selling.
• Legal advice is essential when considering equity release strategies.
• Home equity can also be used for investing, debt consolidation, renovations, business purchases and other wealth-building opportunities.
• Every client's situation is different, which is why professional advice is critical.

Episode Timestamps
00:00 Introduction
00:50 The school drop-off conversation that sparked today's episode
02:15 How mortgage brokers actually get paid
04:40 Common myths about broker commissions
06:40 What is a clawback?
08:50 Why broker-client relationships matter
12:35 Introducing today's topic: Equity Unlocks
14:00 What does "asset rich but cash poor" mean?
15:45 Real client story: Using equity to fund retirement travel
18:00 Why legal advice is important for equity release
20:45 Maintaining financial independence later in life
21:00 Using equity to buy a business, invest or consolidate debt
23:00 A real example of using home equity to purchase commercial property
24:15 Why equity creates financial opportunities at every stage of life
25:00 Wrap up

Quote From The Episode "If you've got lots of equity, don't think you're stuck because you're no longer earning what you did when you were younger.

There may be options available before selling your home." — Maryanne Resources Mentioned If you'd like to discuss your own situation or explore your options, book a chat with the team at 360 Mortgage Solutions: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH Connect With Us 360 Mortgage Solutions 🌐 https://360mortgagesolutions.com.au 📱 Follow us on social media for more mortgage, property and money tips. 🎙️ Subscribe to Dollars and Distractions so you never miss an episode.

In this episode of Dollars and Distractions, Maryanne and Bec dive into the financial wins that rarely make it onto social media, but can make a massive difference to your long-term wealth.While the internet is full of flashy cars, expensive toys, and luxury lifestyles, the real money flexes are often the boring habits happening behind the scenes. Things like driving a reliable car for years, using your offset account properly, meal planning, budgeting, and paying a little extra off your mortgage.These aren't the things people usually brag about, but they're often the habits that create financial freedom over time.In This Episode We Discuss:

• Why keeping a car for the long haul can be a bigger financial win than upgrading regularly
• The hidden power of offset accounts and how they can save thousands in interest
• Why a high interest savings account isn't always the best place for your money if you have a mortgage
• Budgeting myths and why having a budget doesn't mean you're struggling financially
• How meal planning can save both money and time
• Creating separate accounts for different financial goals
• Small extra mortgage repayments that can shave years off your home loan
• Thinking ahead about retirement and future financial flexibility
• Why small, consistent money habits often outperform big financial moves

Key Takeaways✅ Real wealth is often built through consistency, not flashy purchases.✅ An offset account can be one of the most powerful tools available to homeowners.✅ Budgeting is about understanding where your money is going, not restricting yourself.✅ Small changes repeated over time can create significant long-term results.✅ Paying even a little extra off your mortgage can save substantial interest and reduce your loan term.Resources Mentioned

• Mortgage Offset Accounts
• Mortgage Repayment Calculators
• Budget Planning Templates
• First Home Buyer Resources from 360 Mortgage Solutions

Quote of the Episode"The money flexes that nobody talks about are often the ones that put you in the best position 10 or 20 years from now."Connect With UsIf you enjoyed this episode, make sure you subscribe to Dollars and Distractions, leave us a review, and share it with someone who could use a few more money wins in their life.For help with your home loan, first home purchase, refinancing, or property goals, connect with the team at 360 Mortgage Solutions.Website: https://360mortgagesolutions.com.auBook a chat: https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

Episode Summary:
In this episode of Dollars and Distractions, Maryanne and Bec dive into an old-school banking strategy that many people have forgotten about, using credit cards and home loan structures to reduce interest and potentially pay off a mortgage faster.They unpack the difference between the old line of credit setups banks used to offer and the modern alternative using offset accounts and interest-free credit cards. Along the way, they share real-life examples, lessons from working in banking, and why discipline is the key to making these strategies actually work.The conversation also explores:
• Why line of credit loans disappeared
• How offset accounts changed the game
• The right and wrong way to use credit cards
• Why paying interest on a credit card defeats the purpose
• The snowball effect of reducing mortgage interest
• Reward points, cashback, and using spending to your advantage
• Why financial maturity matters more than age
• Teaching kids about money in a cashless world
• Small money-saving strategies that add up over 30 yearsThis episode is packed with practical insights for homeowners, first home buyers, and anyone wanting to be more intentional with their money habits.Key Takeaway:
A banking structure is only effective if it suits your habits and lifestyle. Used correctly, small savings on interest can snowball into significant long-term gains, but discipline is everything.Disclaimer:
This podcast episode is for educational and conversational purposes only and does not constitute financial advice. Please speak with a qualified mortgage broker, financial adviser, or accountant before making financial decisions.Connect with 360 Mortgage Solutions:
If you’d like help reviewing your loan structure or understanding how offsets and budgeting strategies could work for you, reach out to the team at 360 Mortgage Solutions.🎙️ Thanks for listening to Dollars and Distractions!

In today’s episode of Dollars and Distractions, we’re diving into something a little different… but something we’re seeing a LOT right now 👀 👉 People entering the mortgage broking industry We unpack what it’s really like behind the scenes, the common misconceptions, and what both clients and aspiring brokers need to understand before jumping in. 💡 What We Cover: 1. The low barrier to entry (and why that matters)
It’s surprisingly easy to become a mortgage broker on paper… but that doesn’t mean it’s easy to actually be one. We talk about:

• How someone can go from a completely different industry into broking quickly
• Why experience in banking and finance makes a huge difference
• The steep learning curve, especially with “bank jargon” and loan structuring

2. Not all brokers are created equal
From the outside, one broker can look the same as another… but behind the scenes, experience levels can be worlds apart. We chat about:

• Why clients don’t always know who they’re choosing
• The importance of experience vs just qualifications
• How genuine service and personality can set a broker apart

3. The money myth 💰
Let’s be real… there’s a perception that brokers make a lot of money (and quickly). But here’s the truth:

• You don’t get paid until a deal settles
• Deals can fall over after months of work
• Clawbacks can mean giving money back to the bank

👉 Yes, you can earn well… but it’s not quick, easy, or guaranteed. 4. What clients don’t always see
We break down what actually goes into a deal:

• Multiple submissions for the same application
• Structuring loans for long-term goals
• Working nights, weekends, and behind the scenes

And why a broker’s role is so much more than “just getting a loan approved.” 5. Choosing the right broker
With so many brokers in the market, how do you know who’s right for you? We talk about:

• Why recommendations shouldn’t just be about borrowing capacity
• The importance of long-term strategy, not just short-term wins
• Red flags to watch out for

👉 Just because you can borrow more… doesn’t mean you should. 6. Why we love what we do ❤️
Despite the challenges, this industry is incredibly rewarding. For us, it’s about:

• Helping clients achieve their long-term goals
• Structuring lending the right way
• Being genuine, not salesy

And knowing that doing the right thing for clients always wins in the long run. 🎯 Key Takeaway: Mortgage broking isn’t a “quick money” career… and choosing a broker isn’t something to take lightly. Whether you’re thinking about becoming a broker or choosing one, it all comes down to:
👉 Experience
👉 Integrity
👉 And genuinely putting people first 📣 Let’s Chat: Have you ever wondered what goes on behind the scenes with brokers? Or are you thinking about entering the industry yourself? Send us a message or drop your questions, we’d love to hear from you 💬

In this episode, Maryanne and Bec dive into a very real and relatable topic, ADHD and money habits, and how impulse spending can creep in when structure isn’t in place. From self-diagnosed ADHD tendencies to the impact of modern life (hello, constant notifications and scrolling 👀), this conversation explores how our environment may be shaping shorter attention spans and influencing the way we spend.

💡 What We Cover

• The link between ADHD traits and impulse spending
• How the digital world is conditioning distraction and quick dopamine hits
• Why lack of structure leads to overspending, especially in everyday situations like grocery shopping
• The role of self-awareness in managing money habits
• How routine can reduce overwhelm and improve focus
• The concept of avoidance, and how putting things off can make money stress worse over time
• Why ADHD can also be a superpower, especially in problem-solving and thinking ahead

🛠️ Practical Money Tips Shared
✔️ Shop with a plan
Going in without a list = walking out with things you don’t need (and forgetting what you actually needed)
✔️ Use multiple bank accounts

Split your money into:

• Bills account (direct debits)
• Spending account
• Savings account

This helps remove temptation and creates clarity around what you can spend
✔️ Automate where possible
Set up direct debits or scheduled payments to avoid missed bills
✔️ Break down big expenses
If quarterly bills feel overwhelming, consider paying smaller amounts more regularly
✔️ Create simple routines
Even small habits (like how you start your workday) can reduce mental clutter and improve decision-making
✔️ Pause before impulse purchases
Even just a moment of awareness can change the outcome

🧠 Real Talk Moments

• “Sometimes I walk into a shop for one thing… and leave with everything except that one thing.”
• “I know I’m in the mood to spend… and that’s when I try to avoid the shops completely.”
• “It’s not about fixing ADHD, it’s about finding systems that work for you.”
• “Don’t beat yourself up, just adjust the system.”

❤️ Key Takeaway It’s not about being perfect with money, it’s about understanding how your brain works and building systems that support you. Whether you have ADHD or just feel constantly distracted, the goal is the same:
👉 Less overwhelm, more intention, and a structure that works for YOU.

Money conversations in relationships… let’s be honest, they don’t always happen and when they do, they’re not always easy. In this episode, we dive into the real, unfiltered side of couples and money. The habits we bring into relationships, the things we don’t talk about, and why avoiding these conversations can create bigger problems down the track. We also share some personal stories (including a few laughs about fishing,
Facebook algorithms, and very different money mindsets 😅) and talk about how couples can find balance even when one is a spender and the other is a saver. 

💡 What we cover:

• Why not talking about money is a risk in any relationship
• How different upbringings shape your money habits
• The common dynamic: spender vs saver (and how to make it work)
• Why both partners need to understand the finances — regardless of who “manages” it
• The importance of involving kids in healthy money conversations
• How language around money impacts your mindset (especially for kids)
• Finding the balance between saving for the future and actually living now
• Why goals (big and small) matter in a relationship
• The impact of scarcity vs abundance mindset on your finances
• How open communication can prevent resentment over money

🧠 Key takeaway: There’s no “right” way to manage money as a couple but there is a wrong way… and that’s not talking about it at all. Understanding each other’s background, being open about goals, and creating a system that works for both of you is what really matters.
🎯 Your action step: Start the conversation.
It doesn’t have to be formal or awkward even something as simple as:
👉 “What was money like in your household growing up?” You’ll learn more than you think.
🎁 Fun bonus: We talked a lot about fishing in this episode… so we’re giving away a free fishing shirt 🐟
👉 First person to DM 360 Mortgage Solutions and say you listened to the episode wins!
💬 Let’s connect: Got questions about money, relationships, or buying your first home?
📩 Send us a message
📅 Or book a quick chat: https://app.teamos.ai/v2/preview/VnIGaMOE64W6aAlEHG9o

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