Not all personal debt is the same.

From credit cards, HECs, and buy now pay later, they all affect your borrowing capacity in different ways.

Prioritising paying off certain debts before others, might help your borrowing capacity and get you into your dream home faster.

For any questions about purchasing property or to discuss your home loan options, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or ⁠[email protected]

Your sale contract could cost you tens of thousands of dollars if you don't review it correctly, but with some sitting at 400 pages, it's an arduous and difficult task.

Property lawyer from Haines and Polites, Ciara Molloy shares the legal essentials, from when to engage a solicitor, to making special conditions work for you.

0:00 Introduction to Ciara

1:09 Contract reviews and common contract traps

2:31 Conditional vs unconditional purchases explained

3:33 Auction advice

5:28 When to insure your property after purchase

6:47 Understanding all the additional costs beyond purchase price

9:17 When to engage a solicitor in the buying process and how they can change special conditions

11:07 Horror story - $10,000 special levy surprise at auction

12:53 Good news story - the abattoir property near Medway

14:41 The settlement process and avoiding transfer scams

19:07 Owners corporation considerations for apartment purchases

For any questions about purchasing property or to discuss your home loan options, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or [email protected]

You're on the hunt for your first home, or already found the perfect house, what's next? The approval process.

It doesn't haven't to be arduous of filled with knock backs, just following step by step to pre-approval success.

Do you build your dream home, or do you try and find something that's already on the market and transform it into your dream home.

Melbourne-based builder, Adam Earey has built and renovated many homes over his career and can spot a quality built home form a mile away, and will help you do the same.

He shares his insights into what to look for in a block of land, a home to be renovated, and a newly renovated home.

**Chapters**

00:00 - About Adam04:05 - Buying established property09:40 - Land assessment and building strategies15:43 - Renovation vs rebuilding17:46 - Expected costs19:10 - Building process costs21:02 - Choosing the right builder - custom V volume builders

Whether you're thinking about purchasing a property, or ready to make an offer, you need a team of professionals to help you through the buying process.

We break down what professionals you need, when you need to engage them, and what you can do yourself.

Buyer's advocate and vendor advocate Chris Guest shares his valuable insights into the different property purchasing methods he uses for clients - expressions of interest, auctions, off-market, and private sales - while explaining his strategies for each approach.

Chris emphasises the importance of removing emotion from property purchases, setting clear budget limitations, and making data-driven decisions to ensure clients get the best value.

**Chapters**

00:45 - Market Update and Q4 2024 and Q1 2025 activity

05:19 - Expressions of Interest Explained08:21 - Auction Strategy Breakdown

12:37 - The Truth About Off-Market Properties

18:09 - Why Private Sales Give You More Control

19:28 - Melbourne Market Predictions

Confused about how much you really need to save for your first home? Let's make it simple, by breaking down the different government schemes, like the First Home Owner Grant, and the Super Saver Scheme, and how they vary state to stat

Whether you're actively house hunting or just beginning to consider home ownership, this episode is your financial blueprint to your finance options and understanding what's truly possible in today's market.

For more financing options contact Mitch at Ynance.

The pressure to find your first home, and the 'right' property to avoid having buyers regret can be overwhelming during your property search.

Amy Lunardi shares her insights and foolproof techniques to identifying and finding your perfect property. With over 12 years in the property industry, Amy started in leasing before transitioning into advocacy, she now runs her own business and has helped hundreds of home buyers find their perfect home, and will help you do the same.

Work with Amy: https://amylunardi.com.au/

Amy's First Home Buyers Guidebook: https://amylunardi.com.au/course

**Chapters:**

00:00 - Introduction to Amy Lunardi

03:17 - The first-step for first home buyers and commons mistakes

05:39 - Amy's "homework" strategy for property hunting and being proactive in the market

13:50 - Different purchasing methods: off-market, private sales, auctions and auction tactics

21:35 - How to handle disappointment after missing out at auction

21:58 - Apartments vs. houses: which is right for you?

24:16 - Final advice for first-time buyers

Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. In this episode, we speak with Lisa, a real estate advocate who brings authenticity, heart and a unique approach to property buying and selling. After leaving the real estate industry and spending years in personal development and coaching, Lisa returned with a mission to transform how real estate services are delivered.

Chapters

0:00 Introduction and Lisa's Early Real Estate Journey

6:00 Returning to Real Estate with a New Purpose

9:00 The Midas Touch Model of Property Advocacy

12:00 Market Insights for Buyers and Investors

17:00 Finding the Right Home Beyond Transactions

22:00 Advice for First-Time Buyers and Investors

26:00 How separation led to this career path

Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts.

Watch as she discusses their recent house hunting experience, including a heartbreaking near-miss on their dream beachside property, managing different approaches to property buying with her partner; and the realities of saving for a deposit.

Chapters

00:41 - Growing Up in Bayside

01:38 - Childhood Property Experience

02:48 - Mom's 10-Year Property Rule

04:04 - Starting the Home Buying Journey

05:08 - First Property Opportunity

05:57 - Understanding Purchasing Power

07:13 - Making Offers & Different Approaches

08:55 - The Pinterest Board Dream

10:02 - Negotiation Process

12:59 - Dealing with Loss

14:43 - Reality of House Hunting

16:31 - Different Perspectives on Location

19:28 - Saving Strategy

21:37 - Financial Check-ins

23:57 - Friends & Property Talk

25:44 - Property Update & Conclusion