She Finds. She Funds.

Thinking about buying your next home before selling your current one? Bridging finance could be an option and it may not be as scary as it sounds.

In Episode 012 of She Finds. She Funds., Sunshine Coast buyer’s agent Christine from Primary Place Buyers Agency and mortgage broker Sheena break down what bridging finance is, how it works and what buyers need to understand before using it to buy their next home.

We walk through a real-world example showing how peak debt and end debt work, what happens when your existing property sells, and why seeing a large temporary loan balance doesn’t necessarily mean that will be your ongoing mortgage.

We also answer some of the most common questions buyers have about bridging finance:

• Do you have to make two mortgage repayments with bridging finance?
• What is peak debt and end debt?
• Can bridging interest be capitalised?
• How long do you have to sell your existing home?
• What happens if your property sells for less than expected?
• How much equity do you need for bridging finance?
• Is it better to sell first or buy first?
• What do lenders look at when assessing a bridging loan?

Bridging finance won’t suit every buyer. Your equity, income, existing debt, purchase price, expected sale price and lender requirements all matter. But understanding your options before you start house hunting can help you make a much more informed decision.

If you’re a homeowner on the Sunshine Coast or elsewhere in Queensland thinking about selling and buying at the same time, buying before selling, or using bridging finance to secure your next home, this episode is for you.

🎙️ She Finds. She Funds. brings together the perspectives of a Queensland buyer’s agent and mortgage broker to make buying property, home loans and the property market easier to understand.

Topics: bridging finance Australia, bridging loans, buying before selling, selling and buying at the same time, peak debt, end debt, mortgage broker, buyer’s agent, Sunshine Coast property, Sunshine Coast buyer’s agent, Queensland property, home loans, property finance, buying your next home.

You’ve decided it’s time to move… but what comes first?

Do you sell your current home before buying the next one? Buy first and use bridging finance? Make an offer subject to the sale of your existing property? Or try to line up both settlements?

In Episode 11 of She Finds. She Funds., Sunshine Coast buyer’s agent Christine from Primary Place Buyers Agency and mortgage broker Sheena from Fundli unpack one of the biggest questions facing homeowners looking to upgrade.

We chat about the pros and considerations of selling first versus buying first, how bridging finance can help fill the gap between two properties, what a subject-to-sale offer actually means, and the realities of trying to coordinate two settlements on the same day.

Because there isn’t one “right” way to upgrade.

The best place to start is understanding your current property value, equity, borrowing capacity, the market you’re selling in and the market you’re buying into — before you fall in love with your next home.

The Exchange Noosa – Co-Working Space

This episode was recorded at The Exchange Noosa in Noosaville. If you’re looking for a professional co-working space, hot desk, dedicated desk or private office on the Sunshine Coast, you can check out their spaces.

Next episode, we’re diving deeper into bridging finance and breaking down how it actually works without all the scary finance terminology.

She Finds. She Funds. — the more you know, the more you can do.

You’ve found the house. You love it. You’re already imagining where the couch will go… but what actually happens next?

In Episode 10 of She Finds. She Funds., Sunshine Coast Buyers Agent Christine from Primary Place Buyers Agency and Sunshine Coast Mortgage Broker Sheena from Fundli break down what happens from the moment you find a property you love right through to getting the keys.

We cover what due diligence you should do before making an offer, how to work out what a property is actually worth, when to speak to your mortgage broker, how to approach an offer and what happens when there are multiple buyers competing for the same property.

We also unpack finance clauses, building and pest inspections, lender valuations, formal finance approval, contract dates, final inspections and what actually happens on settlement day.

Plus, we talk about some of the biggest mistakes buyers make along the way, including getting caught up in emotion, assuming pre-approval guarantees finance and making major financial changes before settlement.

If you’re a first home buyer, home buyer or property buyer trying to understand the buying process in Queensland or on the Sunshine Coast, this episode gives you a simple overview of what happens after you finally find the right home.

From working with a Sunshine Coast Buyers Agent like Primary Place Buyers Agency to getting your finance sorted with a Sunshine Coast Mortgage Broker like Fundli, having the right people around you can make the process much easier to understand.

Because finding the house is only the beginning.

She Finds. She Funds.
The more you know, the more you can do.

Walking into a beautifully styled home is one thing. Knowing what you should actually be looking for is another.

In this episode of She Finds. She Funds., Christine, a Sunshine Coast buyer’s agent, and Sheena, a Sunshine Coast mortgage broker, talk through what buyers should really be paying attention to when inspecting a property.

Christine shares what she looks for when inspecting homes for buyers, from the street, neighbouring properties and location through to natural light, layout, drainage, retaining walls and potential red flags.

We discuss how to look beyond beautiful styling, what to check inside and outside the property, questions to ask the selling agent and what deserves a closer look before making an offer.

We also cover first and second inspections, building and pest inspections, balancing emotion with logic, knowing your non negotiables and some of the most common mistakes buyers make when inspecting a home.

Whether you're a first home buyer, upgrading, downsizing or currently searching for a home on the Sunshine Coast, this episode will help you walk into your next property inspection knowing what to look for, what questions to ask and when something needs further investigation.

Because when you're buying a property, the fresh paint and beautiful furniture aren't what you're actually buying.

She Finds. She Funds.

Christine, Primary Place Buyers Agency, Sunshine Coast Buyer’s Agent

Sheena, Fundli, Sunshine Coast Mortgage Broker

The more you know, the more you can do.

Auctions can be exciting, intimidating and, if you’re not prepared, very easy to get swept up in.

In this episode of She Finds. She Funds., Sunshine Coast Buyers Agent Christine Stoeckert and Sunshine Coast Mortgage Broker Sheena Briffa are joined by Chantel Dielwart from Ray White Coastal Network Sunshine Coast to take buyers and sellers behind the scenes of property auctions and explain what’s really happening when the bidding begins.

We chat about how auctions work, vendor bids, what “on the market” actually means, what happens when a property is passed in, and some of the common mistakes buyers make when bidding. Chantel also shares her perspective from behind the hammer and what buyers and sellers might not realise is happening behind the scenes on auction day.

Christine shares the buyer’s agent perspective, including how to prepare for an auction, setting your limit, bidding strategically and when it can make sense to have someone bid on your behalf.

Sheena brings the mortgage broker perspective, including why having your borrowing capacity and finance organised before auction day is so important.

If you're planning to bid at an auction on the Sunshine Coast or anywhere in Queensland, this episode will help you walk in feeling more prepared and confident.

Chantel's pink gavel!: https://www.instagram.com/reel/DLzBHcHvaRv/?igsi=MWs2ajUxdDN2Y2tzMQ== 

Featuring:
Chantel Dielwart – Ray White Coastal Network Sunshine Coast
Christine Stoeckert – Sunshine Coast Buyers Agent, Primary Place Buyers Agency
Sheena Briffa – Sunshine Coast Mortgage Broker, Fundli

🎵 Music: Facticity by Nihilore

She Finds. She Funds. is for general information and education only and does not constitute financial, legal or property advice.

Think your deposit is the biggest cost of buying a home? There’s a lot more to budget for than most buyers realise. 

In Episode 007 of She Finds. She Funds., Christine Stoeckert from Primary Place Buyers Agency, Sunshine Coast Buyer’s Agent, and Sheena Briffa from Fundli, QLD Mortgage Broker, unpack the costs of buying a home that often get overlooked before you buy, around settlement and even after you get the keys.

We chat about the expenses that can catch buyers off guard, why your borrowing capacity shouldn't necessarily be your buying budget, and how leaving yourself a financial buffer can make the whole experience a lot less stressful.

If you're a first home buyer, upgrading, downsizing or preparing to buy property in Queensland, this episode will help you understand what you really need to budget for when buying a home.

 She Finds. She Funds.
Property and finance conversations with a buyer’s agent and mortgage broker, because the more you know, the more you can do.

Music: Facticity By Nihilore

The right property starts with the right location but how do you actually know which suburb is right for you?

In this episode of She Finds. She Funds., Christine, Sunshine Coast Buyer’s Agent, and Sheena, Sunshine Coast Mortgage Broker, break down what buyers should consider when choosing where to buy.

We chat about lifestyle vs investment goals, schools, commute times, amenities, future infrastructure, flood and bushfire risks, comparable sales, resale potential and why chasing the latest “hot suburb” isn’t always the smartest strategy.

We also tackle the big question: Is it better to buy a better house in an average suburb, or a smaller house in a better location?

Whether you’re a first home buyer, home buyer or property investor on the Sunshine Coast, this episode will help you research suburbs, narrow down your search and make a more informed property decision.

Because your property can change but the location can’t.

 She Finds. She Funds. with Christine & Sheena
Sunshine Coast Buyer’s Agent + Sunshine Coast Mortgage Broker. 

Free Websites: 

- QLD Crime Map: https://qps-ocm.s3-ap-southeast-2.amazonaws.com/index.html

- Your Property Magazine: https://www.yourinvestmentpropertymag.com.au/top-suburbs/qld/4556-buderim

- Suburb profile: https://www.domain.com.au/suburb-profile/mooloolaba-qld-4557

Music: "Facticity" by Nihilore

Think you're ready to start house hunting? Before you fall in love with a property, there’s one important step to understand: home loan pre-approval.

In this episode of She Finds. She Funds., Queensland buyer’s agent Christine and mortgage broker Sheena break down what pre-approval actually means and why it can make such a difference when buying a home.

We cover what lenders look at during the pre-approval process, the difference between pre-approval and formal approval, how long pre-approval lasts and why not all pre-approvals are created equal.

From a buyer’s agent perspective, we also look at how having your finance organised can help you set a realistic property budget, search with more confidence, negotiate effectively and move quickly when the right home comes along.

Plus, we bust some of the biggest pre-approval myths and share the common financial mistakes buyers should avoid before and after getting approved.

Whether you're a first home buyer, upgrading, investing or planning your next property purchase, this episode will help you understand your borrowing position before you start searching.

Because when it comes to buying property, the more you know, the more you can do.

Music: "Facticity" by Nihilore

This week on She Finds. She Funds., Christine and Sheena are joined by Catherine from Joyful Money, a money coach and financial planner who believes that understanding your relationship with money is the first step towards lasting financial change.

We explore how your past experiences shape your present financial decisions, how to identify the habits and behaviours that may be holding you back, and practical ways to transform both your financial and personal experiences. Whether you're saving for your first home, investing, or simply wanting to feel more confident with money, this conversation will leave you thinking differently about your financial future.

Money Smart Website: https://moneysmart.gov.au/ 

Money Archetypes Quiz: https://www.joyfulmoney.com.au/quiz 

Music: "Facticity" by Nihilore

Buying a home has changed dramatically over the past few decades, but the advice many Australians still receive often hasn't.

In this episode of She Finds. She Funds., Christine Stoeckert, Buyer's Agent and Director of Primary Place Buyers Agency, and Sheena, Mortgage Broker and Director of Fundli, unpack some of the most common pieces of home buying advice passed down through generations and explore whether they still make sense in today's property market.

Together, they discuss:

• Do you really need a 20% deposit?
• Should you stay loyal to your bank?
• Is buying the worst house on the best street still the best strategy?
• Should you wait for the market to fall before buying?
• Do you need a credit card to get a home loan?
• Does your first home need to be your forever home?

With practical insights from both a buyer's agent and a mortgage broker, you'll learn which advice still stands the test of time, which myths could be holding buyers back, and how today's lending rules and property market have changed the way Australians buy homes.

Whether you're a first-home buyer, upgrading, downsizing, or simply curious about today's property market, this episode is packed with practical advice to help you buy with confidence.

If you enjoy the episode, follow She Finds. She Funds. so you never miss an episode.

Music: "Facticity" by Nihilore