In this episode of the Own It Property Podcast, we wrap up our insightful four-part series with mortgage broker agent David Pelligra. We dive into the smartest questions property buyers should ask real estate agents—and why the usual ones might not get you the answers you need. From understanding auction dynamics to reading between the lines on vendor interest, Dion & David share tactical advice to help you navigate the home buying process like a pro. Whether you're a first-home buyer or seasoned investor, this is the info that could save you thousands.

Not all contract clauses are created equal. In this episode, Dion & David Pelligra return to unpack the fine print that could make or break your deal. Some clauses protect your wallet. Others could blow up your budget.

We cover:

Which clauses actually save you money (and how to use them)

The costly traps hiding in common contract terms

Why “subject to finance” might be your best friend — or your biggest risk

How to craft smarter offers without losing your leverage

In Part 2 of this deep dive, mortgage broker David Pelligra returns to the Own It Property Podcast to unpack the real world strategies first home buyers need to succeed in today’s market. Host Dion explores key topics like how government grants work, the truth about Lenders Mortgage Insurance (LMI), the role of HECS debt in borrowing, and how to avoid costly mistakes when applying for a mortgage. If you’re trying to navigate Australia’s complex property landscape—this episode is your guide.

👉 Perfect for first-time buyers, property pros, or anyone looking to learn what banks are really looking for.

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.

In this episode of the Own It Podcast, Dion breaks down the crucial concept of material facts in real estate. What they are, why they matter, and how they can impact your buying decision. From unpermitted structures to past crimes and hidden structural issues, understanding material facts can help you avoid costly mistakes. Dion shares real life examples and expert insights to ensure you're asking the right questions before signing on the dotted line. Plus, we’re gearing up for upcoming episodes featuring industry professionals, so send in your questions! Tune in now to protect yourself as a buyer.

In this episode of the Own It Podcast, Dion takes you through the crucial steps to follow once you’ve found a property you like. From re-inspecting the property to requesting important documents like the contract of sale and vendor statement, Dion shares tips to ensure you don’t miss any critical details before making an offer. He covers everything from conducting due diligence, understanding body corporate information, and maintaining open communication with your real estate agent. Don't rush into a purchase—get informed and make confident decisions! Plus, Dion previews the next episode on material facts every buyer needs to know. Tune in for expert advice on navigating the property buying process with ease.

In this episode of Own It, we dive into the world of private sales and how they differ from auctions. Dion breaks down the different types of private sales, the advantages they offer buyers, and the key strategies to avoid overpaying. Learn how cooling off periods, subject to finance clauses, and due diligence can protect you when purchasing a property. Whether you're a first home buyer or a seasoned investor, this episode will give you the knowledge to navigate private sales with confidence. Plus, get a sneak peek at the next episode, where we'll discuss what to do after you find a property you love.

Most properties in Melbourne sell at auction—but what exactly is an auction, and why is it such a popular method? In this episode of Own It, Dion breaks down the fundamentals of real estate auctions, how they work, and why they create competitive bidding environments. From understanding reserve prices to knowing the key differences between auctions and private sales, this episode will give you the foundation you need before stepping into the fast paced auction market.

🎧 Listen now and take the first step toward owning your dream home!

Why do Melbourne properties consistently sell for well above their quoted price? Is it underquoting, or just market competition at play? In this episode, we break down the pricing strategies behind auction and private sale quotes, explaining why properties often exceed their advertised range. We discuss the impact of legislation, the psychology of competitive bidding, and how buyers can better navigate the market to avoid disappointment. If you're searching for a home in Melbourne, this episode is a must-listen to help you understand what properties are really worth. Tune in now!

Tired of wasting weekends inspecting properties that don’t meet your needs? In this episode of The Owner Podcast, Dion breaks down how to research homes before you step foot inside—saving you time, effort, and disappointment. Learn how to use free online tools like Property.com.au, analyse floor plans, and leverage satellite maps to avoid red flags. Plus, find out why missing floor plans could be a dealbreaker and how to prioritise inspections. Tune in to streamline your home buying journey!