If you’ve wondered whether to fix, stay variable, or run a split - this one’s for you. We break down the real drivers of your interest rate, from LVR tiers and credit score to product choice and lender appetite. You’ll hear when a basic loan beats a package, how offsets shave years off your term, and why keeping repayments steady after a rate cut can save a fortune. Clear, practical, and built for Australian borrowers who want confidence at every step.

If you are self-employed and thinking about buying, refinancing or investing, this one is for you. Amy Tennant sits down with Mandy and Sarah to break down exactly what lenders want to see from business owners. They cover full doc and low doc options, when one year of financials can work, how BAS and business bank statements are used, and why net profit - not just turnover - is what banks care about. You will also hear practical tips on ABN and GST settings, keeping a clean banking setup, planning with your accountant, and the timing traps that can cost you borrowing power.

The First Home Buyer Scheme just changed — and it could make buying your first home in Australia easier than ever.

In this episode, Sarah, Mandy, and Molly from Future Finance Group explain what’s new: income caps removed, higher price limits, eligibility expanded to permanent residents and NZ citizens, and how rent ledgers can now help prove genuine savings.

We also share the key documents you’ll need, plus honest advice on the real costs and considerations before buying your first home.

Property Price Caps: https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme/property-price-caps

In this episode of Down to Finance with FFG Australia, we bust the biggest home loan myths Aussie buyers still believe—from needing years of savings to HECS debt destroying your chances.

We cover probation periods, one payslip approvals, genuine savings, credit scores, maternity leave, and the 2% single parent deposit scheme. Clear, simple truths for buyers who want to know what lenders actually look at in 2025.

In this episode of Down to Finance with FFG Australia, we’re joined by Patricia Zurrer from Property Consulting Australia to unpack what really matters when investing in property.

From rentvesting and balancing growth vs cashflow, to maximising depreciation benefits and avoiding “accidental” investments, Patricia shares expert tips to help you build smarter strategies in the Australian market.

Buying your first home? We unpack real pathways to buy sooner in Australia: 5% deposits with no LMI, stamp duty savings, how gifts and rent ledgers can count toward “genuine savings,” and when a family guarantor can help you buy with no savings. We also explain combining schemes—and why “buy when you can” still holds up.

A Straightforward Chat About Selling Property (and Doing It Well)What does a good real estate agent actually do? In this honest, practical conversation, Amie and Sarah from Future Finance Group sit down with experienced agent Daniel to unpack what goes on behind the scenes when selling a home.

From getting your property market-ready to understanding buyer psychology and the importance of strong agent-broker relationships, this episode is packed with insights for both first-time sellers and long-term homeowners.

Find Future Finance Group:Instagram: https://www.instagram.com/futurefinancegroup/Facebook: https://www.facebook.com/futurefinancegroupLinkedin: https://tinyurl.com/5ymmjbmxYoutube: https://www.youtube.com/@futurefinancegroup🔗 https://www.futurefinancegroup.com.au/📩 [email protected]

In this powerful episode, Amie and Sarah are joined by Ricky from Index Wealth as Sarah shares the deeply personal story of losing her partner at just 28—with two kids under four and a newly purchased property. What followed was grief, overwhelming financial pressure, and a hard lesson in how unprepared most of us really are.

They unpack what could’ve changed if a financial planner had been involved earlier, why default super cover often falls short, and how support through claims and paperwork can make an unthinkable time just a little bit easier.

Whether you’re partnered, a parent, or simply building your future—this conversation is a must-listen on planning for the unexpected, protecting what matters, and creating real peace of mind.

In this episode, Amie and Sarah are joined once again by buyer’s advocate Andrew Date to walk through a real client success story—from selling a long-held family home in Seaford to buying a rare off-market apartment in Melbourne’s CBD.

Andrew shares the strategy behind selling and buying simultaneously, navigating lifestyle change in your 50s, and the due diligence that separates good properties from hidden disasters. They also unpack the risks of apartment living, from strata issues to misleading contracts—and how Andrew’s process helps clients avoid costly mistakes.

Whether you’re thinking about a move, investing, or just want to know what good advice really looks like, this one’s packed with real insight.

Olivia from First Class Legal joins Amie and Sarah to break down the biggest legal risks buyers and sellers face—and how a good conveyancer can save you major headaches.

They talk through when to engage a conveyancer, what’s involved in a section 32, and how hidden contract terms, illegal building works, or poor communication can turn a property deal into a nightmare.

Whether you’re buying your first home or selling an investment, this episode is packed with practical legal advice.