Buying a home can feel overwhelming, even when you’ve saved a deposit and done your research. How much can you borrow? How much can you comfortably repay? And what happens if you need to sell your current home before buying the next one?

In this episode of The Handover Podcast, Domenic and Carla unpack the questions they hear from first home buyers and next home buyers every day. They talk through the difference between borrowing capacity and what fits your lifestyle, the costs beyond your deposit, ways to buy with a smaller deposit, and the choices involved in selling and buying your next home.

If you’re feeling unsure where to start, this conversation will help you identify the questions to ask and the people who can help you answer them.

The Handover Podcast is brought to you by Healthcare Home Loans. General information only; lending options and eligibility depend on your circumstances and the lender.

Should you buy property alone, or could purchasing with a partner, family member or someone else help you enter the market sooner?

Buying property with another person can increase your borrowing power, expand your options and make the upfront costs easier to manage. But it also introduces important decisions around financial contributions, responsibilities, expectations and long-term plans.

In this episode of The Handover Podcast, Domenic and Carla explore the practical advantages and potential risks of buying property alone versus buying with someone else. They discuss the importance of planning before you begin, understanding each person’s role and seeking the right professional advice before making a major financial commitment.

They also examine where buyer’s agents may add value in today’s property market and how the right support can help buyers make more informed decisions.

In this episode:

00:00 – Should You Buy Property Alone or With a Partner?

06:39 – Planning, Roles and Options for Buying Successfully

13:50 – Why Professional Property Advice Matters

16:36 – The Value of a Buyer’s Agent in Today’s Market

19:09 – The Pros and Cons of Buying Alone or With Others

Whether you are considering purchasing on your own, with a partner or alongside someone else, this episode will help you understand the questions you should ask before taking the next step.

The Handover Podcast explores money, property, career and life outside the hospital, with conversations designed for Australia’s healthcare community.

Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial, legal or property advice. You should seek advice from appropriately qualified professionals based on your individual circumstances before making any financial or property decisions.

What is happening in Sydney’s spring property market, and is now the right time to buy?

In the first episode of The Handover Podcast, Domenic and Carla Nesci break down Australia’s changing property market, with a focus on Sydney’s spring selling season and what current conditions could mean for home buyers, property investors and healthcare professionals.

They explore how interest rates, lending policy changes, economic uncertainty and household expenditure benchmarks can affect borrowing capacity and property prices. They also discuss buyer negotiation strategies, risks to consider and where opportunities may be emerging across the market.

Whether you are preparing to buy your first home, upgrade your current property or build an investment portfolio, this episode will help you better understand the market and make your next move with greater confidence.

In this episode:

• What Sydney’s spring selling season means for buyers

• How banks are adapting their lending and investment policies

• Current trends affecting the Australian property market

• How interest rates and HEM can influence borrowing capacity

• Opportunities and risks in the current market

• Negotiation strategies for property buyers

• Why professional advice matters when making major financial decisions

CHAPTERS

00:00 Sydney Spring Selling Season and Property Market Insights

05:30 Banks Adapt to Changes in Borrowing and Investment Policies

06:41 Australian Property Market Trends Amid Economic Uncertainty

15:42 How HEM and Interest Rates Affect Borrowing Capacity

19:14 Opportunities and Risks in the Current Property Market

25:19 Why Professional Advice Matters in Financial Decisions

ABOUT THE HANDOVER PODCAST

Your shift might be over, but the handover is just getting started.

Hosted by Domenic and Carla Nesci, The Handover Podcast explores money, property, career and life outside the hospital. Each episode offers practical conversations designed for nurses, midwives, doctors, allied health professionals and the wider healthcare community.

READY TO DISCUSS YOUR PROPERTY GOALS?

Book a complimentary 15-minute call with Healthcare Home Loans to understand your position and explore your options:

https://www.healthcarehomeloans.com.au/book-in/

Learn more about Healthcare Home Loans:

https://www.healthcarehomeloans.com.au/

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DISCLAIMER

The information in this podcast is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider seeking professional advice before making any financial or property decisions. Lending criteria, eligibility requirements, fees and conditions vary between lenders and may change.

Wealthi Money Pty Ltd trading as Healthcare Home Loans. Credit Representative 542543 under Australian Credit Licence 389328.