In this episode, I walk you through the essentials every first home buyer should understand before they jump into the market. Whether you're months away from buying or just getting started with saving a deposit, this is your foundation. You'll learn:

• What the home buying journey really looks like (step-by-step)
• Why getting loan-ready before you fall in love with a property is a game changer
• The most common mistakes first home buyers make—and how to avoid them
• Where grants, schemes, and your deposit fit into the big picture

📌 This episode sets the stage for the rest of the series, where you’ll hear from the experts I trust—covering everything from legal tips to building checks and everything in between. 🎧 Listen in and start your journey with the clarity and confidence you deserve.

We’re back with Part 2 of our conversation with Chris Liu from Chris Liu Real Estate, and this episode is all about strategy for first home buyers. In this follow-up chat, we go deeper into the practical side of buying your first home—from making a strong offer to dealing with real estate agents and knowing what happens after your offer is accepted. If you’re serious about buying property and want to go in prepared, this episode is packed with must-know tips that can make the whole process smoother and less stressful. 👉 What you’ll learn in this episode:

• How to make a competitive offer (without overpaying)
• What agents really look for in a buyer
• What happens after your offer is accepted
• How to avoid common pitfalls that could delay your settlement

🛠️ Resources Mentioned:

• Chris Liu Real Estate: https://chrisliure.eview.com.au/
• First Home Buyers Program Online Course:https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page

🎯 Want to feel more confident buying your first home? Check out our full program designed to walk you through every step of the journey.

In this episode of The First Home Buyer Program Podcast, we sit down with Chris Liu from Chris Liu Real Estate to talk all things property—specifically through the lens of first home buyers. Chris shares his expert insights into the current Australian property market, what first home buyers should be paying attention to, and how to spot a good opportunity when it comes your way. We also unpack some of the most common myths and misconceptions holding buyers back. Whether you're just starting out or thinking about making your first move, this episode is full of tips to help you feel informed, empowered, and ready to take action. 👉 What you’ll learn in this episode:

• What’s really happening in the property market right now
• How to know if a property is a good first purchase
• Common mistakes first home buyers make (and how to avoid them)
• Chris’s advice for buyers feeling overwhelmed or unsure

🛠️ Resources Mentioned:

• Chris Liu Real Estate: https://chrisliure.eview.com.au/
• Free First Home Buyers Mini Course: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page

🔔 Don’t forget to subscribe and leave a review if you found this helpful!

Description:
What if the biggest thing holding you back from saving for your first home… wasn’t your income or your expenses, but your mindset? In this episode, Maryanne dives into the powerful connection between your thoughts and your bank account. You’ll learn how the way you think about money directly influences your ability to save—and how a few simple shifts can help you build momentum, stay motivated, and move toward your first home faster than you thought possible. What You’ll Learn:

• The difference between scarcity and abundance mindset
• Why your beliefs about money can sabotage your savings efforts
• How to reframe your thoughts from “I can’t save” to “How can I save?”
• A real-life example of a client who changed their mindset and saw amazing results
• How to start thinking like someone who’s ready to buy their first home

Links & Resources:
💡 Want to take this mindset shift even further? Join the Money Magnet course—designed specifically to help first home buyers build their deposit with clarity and confidence. Check it out here Let’s Stay Connected:
📲 Follow @360mortgagesolutions on Instagram for more tips and inspiration
🎧 Don’t forget to subscribe so you never miss an episode
🌟 Love the podcast? Leave a review—it helps other first home buyers find us and feel supported on their journey

You’ve finally created a budget that makes sense… and then life throws you a curveball. A birthday dinner, a surprise bill, a weekend away—sound familiar? In this episode, Maryanne dives into why sticking to a budget is one of the trickiest parts of saving for a home, and how you can stay on track without giving up everything you love. What You’ll Learn:

• Why budgets often go out the window (and it’s not your fault!)
• The #1 thing most people forget to include in their budget
• Simple strategies to stay consistent—even when unexpected expenses pop up
• A personal story of how one small change helped a client finally stay on budget

Links & Resources:
💬 Got a budgeting win or challenge you want to share? DM Maryanne on Instagram @360mortgagesolutions – she’d love to hear from you!
👉 Curious about how to save smarter for your first home? Check out the Money Magnet course here: Click to learn more Let’s Stay Connected:
📲 Follow us on Instagram for tips, tools, and first home inspo
🎧 Subscribe so you don’t miss next week’s episode
🌟 If this helped you, leave a quick review—it really helps others find us!

Description:
Let’s be honest—budgeting has a bit of a bad reputation. But what if it didn’t have to feel restrictive, overwhelming, or just plain boring? In this episode, Maryanne shares a practical and super simple way to create a budget that actually works for your life (and doesn’t make you want to give up after week one). Whether you’ve tried budgeting before or you’re starting from scratch, this episode will help you build a plan that feels doable—and still leaves room for the things you love. What You’ll Learn:

• Why most people struggle with traditional budgets
• The key ingredients of a flexible, realistic budget
• How to start with your current spending and tweak it (instead of reinventing the wheel)
• The 50/30/20 rule explained in real-world terms
• A personal story of a client who went from hating budgets to loving their results

Links & Resources:
📝 Want a free budgeting template to get started? Head over to https://maryanne-elliott.mykajabi.com/signup
💡 Ready to save smarter and build your deposit? Check out the Money Magnet course here: Click to learn more Let’s Stay Connected:
📲 Follow us on Instagram for bite-sized tips and daily motivation
🎧 Subscribe so you don’t miss upcoming episodes
🌟 If this episode helped shift your mindset around budgeting, leave a quick review—it means the world!

🎙 Episode 1: Why Saving Feels So Hard (And How to Change That)
The First Home Buyers Program Podcast – with Maryanne Elliott
Description:
Saving for your first home deposit can feel impossible—especially when life keeps throwing expenses your way and your social feed is filled with everyone else’s holidays, dinners, and purchases. In this episode, Maryanne breaks down the real reasons saving feels so hard (hint: it's not just about money), and how you can start shifting your mindset to make saving feel achievable, even exciting. What You'll Learn:

• Why FOMO, unclear goals, and old money beliefs make saving harder
• How to reframe saving as an opportunity, not a sacrifice
• A simple mindset shift to help you feel more in control
• A real story of someone who turned their savings struggle into success

Links & Resources:
👉 Got a question or just want to share your biggest money challenge?
DM Maryanne on Instagram @360mortgagesolutions or leave a comment!
👉 Want to go deeper? Check out the Money Magnet course: Click here
Let’s Stay Connected:
💬 Share this episode with a friend who needs to hear it
📲 Follow us on Instagram for tips and inspiration
⭐️ Don’t forget to subscribe, rate & review if you loved this episode!

This week we cover off on something that wont seem important now but trust me when I say, future you will be so glad you listen to this....

👉 Not sure how much you should be repaying? No problem! Jump onto the Loan Repayment Calculator at 360 Mortgage Solutions.
It’ll show you what your repayments should be so that you don’t accidentally end up paying a fortune in extra interest.[Wrap-Up]Refinancing can be a great way to save money, but only if you do it right!

Remember to check your loan term, adjust your repayments, and stay ahead.

And if you’re not sure where to start, book a fee-free meeting with the 360 Mortgage Solutions team—we’ll help you get the best deal without falling into the refinancing trap!🔗 Book a meeting today!

Buying your first home is one of the biggest financial decisions you’ll ever make. With so much information (and misinformation) out there, it’s easy to feel overwhelmed.

That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.
As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process.
Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes. 

What You’ll Learn in This Episode  In this must-listen two-part podcast series, we cover:
✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.
✅ How a buyer’s agent can give you an advantage – What they do and why it matters.
✅ Common mistakes first home buyers make – And how to avoid them.
✅ Negotiation tactics – How to secure the best deal on your dream home.
✅ Off-market properties – How to access hidden opportunities most buyers never see.

Why Work with a Buyer’s Agent?  If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:
🔹 Save you time by handling the research and inspections.
🔹 Save you money by negotiating the best price and terms.
🔹 Reduce stress by providing unbiased advice and strategic support. Listen Now!

Buying your first home is one of the biggest financial decisions you’ll ever make. With so much information (and misinformation) out there, it’s easy to feel overwhelmed.

That’s why in our latest two-part podcast series, we sat down with Fern Walcott from Exclusive Property Buyers to break down the entire process and help first home buyers navigate their journey with confidence. Meet Fern Walcott – Your Expert Buyer’s Agent Fern is a dedicated buyer’s agent with a passion for helping buyers make informed decisions.
As the founder of Exclusive Property Buyers, her mission is simple: to empower buyers like you by providing expert guidance, unbiased advice, and personalized support throughout the entire purchasing process. Unlike real estate agents who work for the seller, Fern is solely focused on your best interests—negotiating the best price, finding off-market opportunities, and ensuring you avoid costly mistakes. 

What You’ll Learn in This Episode  In this must-listen two-part podcast series, we cover:
✅ The first steps to buying your first home – From saving a deposit to getting pre-approved.
✅ How a buyer’s agent can give you an advantage – What they do and why it matters.
✅ Common mistakes first home buyers make – And how to avoid them.
✅ Negotiation tactics – How to secure the best deal on your dream home.
✅ Off-market properties – How to access hidden opportunities most buyers never see.


Why Work with a Buyer’s Agent?  If you’re a first home buyer, you might be wondering: Do I really need a buyer’s agent? The truth is, navigating the property market without expert guidance can be risky. A buyer’s agent like Fern Willcot can:
🔹 Save you time by handling the research and inspections.
🔹 Save you money by negotiating the best price and terms.
🔹 Reduce stress by providing unbiased advice and strategic support.