The First Home Guidebook

In Australia, first home buyers can get access to quite a bit of help from the Government. In this episode we explore First Home Buyer Grants and Concessions. Grants are when the Government gives you money (yay) to build or buy a new home, whilst concessions are the reduction in stamp duty you need to pay as a first home buyer. And we all want to pay less tax right? We explore eligibility requirements, the differences between each state, and how you can layer the grants, schemes and concessions to make sure you get the most benefits. Amy also chats to mortgage broker Tom Pearse from Pearse Financial and conveyancer Josh Diamond from My Legal Advisor to find out the broker and legal representatives role in the grant and concession process.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Thanks to Scomo, The First Home Loan Deposit Scheme allows 10,000 first home buyers a year to get into the market sooner. If you get a place in the scheme, it means that you can get into the market with as little as 5% deposit, and not have to pay pesky Lenders Mortgage Insurance (LMI). In this episode Amy is joined by Nathan Taddeo from Credo Financial, where they explore the eligibility requirements, application process, benefits and risks of the scheme.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist.
Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions.
Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Getting a mortgage is a massive commitment, and not something we want to rush into without understanding what we’re signing up for. Its important for you to be an educated consumer when it comes to applying for a loan, so that you know the right kinds of questions to ask and what to be prepared for. Today we’re chatting the BASICS of mortgages, the 101’s, the fundamentals! Our special guest is mortgage broker Kath from Property Before Prada – and yes, like her business name suggests, her passion is helping first home buyers make property a priority.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

If you ever feel like you need a bit of help with the whole adulting situation - this episode is for you! There’s a lot we should know about being a grown up, but nobody tells us how to do it, and especially if you’re buying your first home, ideally you’d need to know how to plan your finances if you want to have a baby, sorting out personal insurances and all things superannuation.
For today’s show, Amy is joined by Josh Pennell, who’s the head of Wealth Management and Financial Planning from Prosper Advisory. With 13 years experience in the field, Josh is passionate about helping people achieve the financial success and freedom they deserve.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist.
Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions.
Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Having a firm grasp on the basics is super-important whether we’re talking about personal finance or property, so even if you are a complete novice in these areas, knowing where to start is half the battle, and you are in the right place! In today’s episode, Amy is joined by property beginner Joey. They cover the important property jargon and key terms whose understanding will help you build more confidence once you head out on your property-buying journey and start talking to the people and experts in the industry. A lot of the topics discussed today will be covered more in depth later in the series as well. These should serve as a great starting point to take notes and further your own research later on.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Buying a home is most often a life-changing decision, but also one that brings out a lot of different emotions in people, and among those, fear is the most common culprit that's causing the greatest amount of distress and hindrance during that crucial time in your life. In today's show, Amy is joined by Glen James from My Millennial Money to explore the biggest first home buyer fears, but they’ll also show you the right first steps to take in overcoming them, and teach you how to get back on track in regaining full control over your finances and the decision-making process when purchasing a property.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist. Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions. Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Saving up for a deposit can be a daunting thought when you’ve no clearly defined plan in mind. But all you need to conquer your fears is the right mindset and a right set of tools.
In today’s episode, Amy is joined by Bret Mullavey, a money management expert from Experience Wealth. You’ll learn how to create an action plan and actually execute it with practical skills that you can start implementing today to turbo charge your savings and move closer to achieving your property ownership goals.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist.
Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions.
Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Saving for a deposit for a home can be an overwhelming goal for many first home buyers - how do we even begin to chip away at it? In this episode, meet special guest Emma from The Broke Generation, who is here to help you shift your mindset towards money for the better. Emma is a recovering spendaholic who turned her life around, broke the debt cycle and bought a property. She is now a financial blogger who educates other people on how to take control of their finances.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist.
Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions.
Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Don’t embark on your property journey alone! Having the right property team and advice is critical to ensuring you get it right the first time. In this episode, Amy and Alyssa explore where first home buyers should be getting their advice from, as well as the risks of bad or incorrect advice. You’ll learn how to put your very own property A-team together and how to surround yourself with professionals that will offer invaluable advice and guidance through every step of the property buying process.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist.
Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions.
Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental

Why is it so hard to buy your first home these days? And why are property prices so fricken’ expensive compared to our parents’ generation? Discover the answer to this burning question in the very first episode of The Buyers Bible podcast! Your hosts Amy Lunardi and Alyssa also share what you can expect throughout the podcast series, as they tackle the challenges and misconceptions that millennials face in the property market.

Do you have a burning property question you’d like answered on the show? Connect with us on instagram @thebuyersbible, we’d love to hear from you with questions, thoughts and feedback. Don’t forget to head to our website www.thebuyersbible.com.au for our show notes, and to download your free first home buyer checklist.
Information provided in our podcast is general in nature and does not constitute financial advice. Every effort has been made to ensure the information is accurate, listeners must not rely on this information to make investment or financial decisions.
Theme music: Lioness (Instrumental) by DayFox https://soundcloud.com/dayfox Free Download / Stream: https://bit.ly/lioness-instrumental