🎙 Episode Summary:
Welcome back to Part 2 of our conversation with Phillip Knowles, where we continue unpacking everything self-employed first home buyers need to know!In this episode, we go beyond the basics and dive into the practical strategies that can make your home loan application stronger, plus some alternative lending options for those who don’t meet traditional requirements.

✅ How to structure your finances to make borrowing easier
✅ Why keeping business and personal finances separate is a game-changer
✅ Alternative lending options if you don’t meet standard bank criteria
✅ The role of a commercial broker in securing a home loan for business ownersIf you’re self-employed and dreaming of buying your first home, this episode is packed with valuable insights to help you get there.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:

• Book a free chat with us: Book here 
• Follow us on Instagram/Facebook

💡 Enjoyed this two-part series? Hit follow so you never miss an episode! If you found this helpful, share it with a fellow business owner who’s thinking about buying their first home. 🚀

🎙 Episode Summary:
Are you self-employed and wondering if buying your first home is even possible? In this special two-part episode of The First Home Buyer Program Podcast, I sit down with [Guest’s Name], a finance broker who specializes in commercial lending for self-employed clients.We dive into the biggest challenges self-employed first home buyers face, how lenders assess business income, and what you can do NOW to set yourself up for home loan success.
✅ What lenders look for when assessing self-employed applicants
✅ Why your taxable income matters more than your total revenue
✅ The common mistakes self-employed buyers make (and how to avoid them)
✅ Steps you can take TODAY to improve your home loan chancesThis is Part 1 of our deep dive, so be sure to tune in next week for Part 2, where we’ll explore the best loan options for self-employed first home buyers and alternative lending solutions.🔗 Listen now: [Insert Podcast Link]📌 Resources & Links Mentioned:

• Book a free chat with us: Book here 
• Follow us on Instagram/Facebook 

💡 Enjoying the podcast? Don’t forget to subscribe and leave a review—it helps more first home buyers like you!

📌 Episode Summary: Buying your first home?

You might be wondering how much deposit you actually need to get started. In this episode, we break down the deposit requirements, how lenders assess your savings, and the different government schemes that can help you buy with as little as 5%. 

Key Takeaways:

• The difference between a 20%, 10%, and 5% deposit
• How Lenders Mortgage Insurance (LMI) impacts your deposit
• Government schemes that help reduce your upfront costs
• Hidden expenses you should budget for

🔗 Resources Mentioned:

• First Home Guarantee (FHG)
• First Home Owner Grant (FHOG)
• Book a Free Mortgage Strategy Session

📢 Subscribe & Follow:

• 🎧 Subscribe on Apple Podcasts | Spotify | Google Podcasts
• 📸 Instagram: @360mortgagesolutions
• 📘 Facebook: https://www.facebook.com/360mortgagesolutions/

💬 Got questions? Send us a DM or book a chat—we’d love to help you get into your first home! 🚀

Celebrate love this Valentine’s Day without breaking the bank!

Discover budget-friendly ideas to enjoy the day while staying on track to buy your first home.

Links: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx Explore

The First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx

Book a fee-free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/

Understanding Lenders Mortgage Insurance (LMI) – A Must-Know for First Home Buyers

Description: Lenders Mortgage Insurance (LMI) is often misunderstood by first home buyers. In this episode, we explain what LMI is, how much it costs, ways to avoid or reduce it, and whether it’s worth paying. If you’re looking to buy your first home, understanding LMI is crucial!

What we'll cover: 
 – Introduction to Lenders Mortgage Insurance (LMI)
 – What is LMI and why do lenders require it?
 – How much does LMI cost?
 – Strategies to reduce or avoid LMI
 – Is LMI worth paying?
 – How to take the next step in your home buying journey

🔗 Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx
🔗 Enroll in The First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx
🔗 Book a free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/

Buying your first home is an exciting milestone, but without the right preparation, it can quickly become a stressful experience. In this episode of The First Home Buyers Program Podcast, we dive into why a fully assessed pre-approval is essential before making an offer on a property.

Join Me, as we break down real-life examples of first home buyers who faced unexpected delays due to incomplete pre-approvals—and how you can avoid making the same mistakes.
What You'll Learn in This Episode:
✅ The difference between a basic pre-approval and a fully assessed pre-approval
✅ How a government scheme requirement delayed one buyer's finance approval
✅ Why guarantor loans take longer and require extra preparation
✅ How skipping a full pre-approval can add unnecessary stress and pressure
✅ The best way to ensure a smooth home-buying journey

Why This Matters
A fully assessed pre-approval means your financials, tax returns, and liabilities are reviewed upfront, so you can confidently make an offer without last-minute surprises. Avoid finance delays, extension requests, and the stress of uncertainty—get pre-approved the right way.

Resources & Links:
🔗 Get in touch with 360 Mortgage Solutions for a fully assessed pre-approval: https://360mortgagesolutions.com.au/contact-us/
🔗 Subscribe to The First Home Buyers Program Podcast for expert advice every week!If you found this episode helpful, don’t forget to subscribe, rate, and share this podcast with anyone looking to buy their first home.
Until next time—happy house hunting! 🎉

In this episode of The First Home Buyers Program Podcast, we’re breaking down the two fundamental aspects of every home loan: servicing and security. If you’ve ever felt overwhelmed by the jargon or unsure how lenders assess your loan application, this episode is for you! 
We’ll explore:
• Servicing: What it is, why it matters, and how your income and expenses play a crucial role.
• Security: Why the property you’re buying is just as important as your financial situation.
• How lenders balance these two factors when deciding whether to approve your loan.
• Practical tips to improve your borrowing power and ensure the property you’re eyeing meets lending criteria. 

By the end of this episode, you’ll have a solid understanding of how servicing and security work together, helping you make confident decisions as you take steps toward home ownership.
What You’ll Learn in This Episode:

1. What servicing means and how lenders calculate your ability to repay the loan.
2. 2. The role of security in your loan application and what makes a property acceptable to lenders.
3. 3. Common misconceptions about home loan approvals and how to avoid pitfalls.
4. 4. Actionable tips to strengthen your financial profile before applying for a loan. 

Feeling overwhelmed by the home loan process? In this episode, I break down three simple steps to help first home buyers eliminate stress and confusion:
1️⃣ Know how much deposit or equity you need.
2️⃣ Speak to a mortgage broker early to plan your next steps.
3️⃣ Get a fully assessed pre-approval to approach house hunting with confidence.

💡 Join the waitlist for the FREE First Home Buyer Mini Course, launching this December, and get an exclusive bonus when it goes live!

🔗 Waitlist Link: https://maryanne-elliott.mykajabi.com/joinus

To book a time with us at 360 Mortgage Solutions head to - https://360mortgagesolutions.com.au/contact-us/ 

To find out more about Gurantor loans head to - https://youtu.be/2ZCl9bn6hDY
#FirstHomeBuyerTips #HomeLoanOverwhelm #FirstHomeJourney

In this episode of The First Home Buyers Program Podcast, we cover the Top 5 Mistakes First Home Buyers Make and How to Avoid Them.

Learn why getting a fully assessed pre-approval is crucial, why going direct to your bank isn’t always the best option, and how to avoid underestimating the costs of buying your first home.
Plus, we’ll explore the importance of researching government grants and getting professional advice. Don’t let these common mistakes hold you back from buying your first home.

What You’ll Learn: Why a fully assessed pre-approval is a game-changer. How working with a broker can save you thousands. The hidden costs of buying your first home. Which government grants you might be eligible for. The importance of leaning on expert advice.

Links and Resources: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/offers/fAnpkt78 Subscribe for more episodes and tips!

Episode Title: Why 2025 Is the Year to Buy Your First HomeEpisode Description:
Discover why 2025 is the best year to buy your first home! We dive into market trends, government incentives, and practical tools to help you take the first step toward owning your dream property. Don’t miss this episode, and don’t forget to check out our First Home Buyer Mini Course: maryanne-elliott.mykajabi.com/offers/fAnpkt78.Key Points:

• Stabilized property prices make 2025 ideal for first home buyers.
• Government grants can save you thousands.
• Why waiting can cost you more in the long run.

Call to Action:
Join the First Home Buyer Mini Course today! Get started for free at maryanne-elliott.mykajabi.com/offers/fAnpkt78.
Book a time with us here https://360mortgagesolutions.com.au/contact-us/