In this special crossover of Property Insights with Mark Bouris and Broker Room podcasts, we are joined Yellow Brick Road Home Loans brokers and branch owners, Tom Haggie (YBR North Sydney), Effie Nicol (YBR Earlwood), and Mel Falanga (YBR Leppington), as they delve into the complexities of the current lending landscape. In this Roundtable Special, we explore:

• Challenges for First Home Buyers: Effie shares the common hurdles faced by first-time buyers and the importance of preparation and budgeting.
• The Significance of Pre-Approval: Understand why obtaining a pre-approval is a crucial step in the property buying process.
• Impact of Spending Habits: Mel discusses how lifestyle choices can affect loan approvals and offers tips for financial discipline.
• Decoding HEM: Learn about the Household Expenditure Measure (HEM) and its role in determining borrowing capacity.
• Supporting Self-Employed Borrowers: Discover the unique challenges self-employed individuals face and how brokers can assist.
• Role of Non-Bank Lenders: Mel highlights the flexibility and options provided by non-bank lenders for small business owners.
• Emerging Trends: Explore the growing use of self-managed super funds for property investment and refinancing opportunities

00:00:21 Introduction 00:03:48 Challenges for First Home Buyers 00:05:46 Importance of Pre-Approval 00:09:50 Spending Habits and Loan Approval 00:13:02 Understanding HEM and Borrowing Capacity 00:29:27 Self-Employed Borrowers and Loan Structures 00:47:38 Non-Bank Lenders and Their Role 00:48:52 Changes in Borrowing Trends 00:52:28 Self-Managed Super Funds and Refinancing -- Catch up on more episodes in the Property Insights podcast: https://yhomeloans.com.au/property-in... Chat with a YBR Broker: https://ybr.com.au/refinance-flagship... Get in touch with Yellow Brick Road: https://ybr.com.au/enquiry/ Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927.

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Your Broker Room's host Glenn Mitchell is joined by Belinda Wright, Thinktank's Head of Partnerships and Distribution for Residential. Thinktank is Australia’s leading independent commercial property lender, offering borrowers a genuine alternative to the banks. Belinda brings with her 22 years’ experience in finance from her previous roles at Westpac, St. George Bank, ANZ and RAMS. Discover insights into the finance industry, the evolution of Thinktank, and the innovative White Label solutions offered by YBR Lending Solutions

-- Catch up on more episodes in the Property Insights podcast: https://yhomeloans.com.au/property-in... Chat with a YBR Broker: https://ybr.com.au/refinance-flagship... Get in touch with Yellow Brick Road: https://ybr.com.au/enquiry/ Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927. #YourBrokerRoom #yellowbrickroad #homeloans

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Nick Reily is a prominent figure in the Australian finance industry, currently serving as Head of Partnerships at OnDeck Australia who currently offer small business loans from $10,000 to $250,000. Nick's career in finance is marked by significant achievements and a unique background in professional sports, captaining the Australian Rugby Sevens team at the Commonwealth Games in 2006 and the prestigious Hong Kong Sevens a year later.

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Catch up on more episodes in the Property Insights podcast: https://yhomeloans.com.au/property-in... Chat with a YBR Broker: https://ybr.com.au/refinance-flagship... 
Get in touch with Yellow Brick Road: https://ybr.com.au/enquiry/

Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927. #markbouris #yellowbrickroad #homeloans

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Matthew Porch is the Head of Distribution at Aquamore Finance in Sydney. He has an extensive background in banking and finance, with a career spanning multiple financial institutions. Matthew specialises in commercial lending and non-bank financial solutions. Matthew’s leadership has significantly impacted Aquamore's growth, driving the company to become a prominent player in the commercial lending space. -- Catch up on more episodes in the Property Insights podcast: https://yhomeloans.com.au/property-in... Chat with a YBR Broker: https://ybr.com.au/refinance-flagship... Get in touch with Yellow Brick Road: https://ybr.com.au/enquiry/ Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927. #markbouris #yellowbrickroad #homeloans

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Damian Mantini is a prominent figure in the Australian asset finance industry, currently serving as the Head of Strategic Partnerships at Platform Finance. He has over 20 years of experience in sales and management, which has equipped him with a deep understanding of the asset finance landscape. Mantini has been instrumental in establishing and nurturing relationships within the sector, focusing on helping brokers identify growth opportunities and expand their customer base. -- Head to brokers.ybr.com.au if you're interested about joining our network. Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927. #markbouris #yellowbrickroad #homeloans

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Annie Kane is a prominent journalist and editor in the Australian financial sector, currently serving as the Managing Editor of The Adviser, a publication under Momentum Media that focuses on the mortgage broking industry. With over 14 years of experience in various media formats including print, digital, and broadcasting, she has established herself as a key figure in financial journalism. Annie is also the host of several podcasts such as Elite Broker, New Broker and In Focus podcasts.

For more info, head to https://brokers.ybr.com.au

Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927.

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Frank Ganis is a Non-Executive Director on the Board of Directors at Yellow Brick Road Group. Frank has enjoyed a long and successful 40 plus year career in Banking and Finance, retiring from full time executive responsibilities in 2017 after 28 years at Macquarie Group, 17 years as Executive Director. He is recognised as a pioneer and influential industry leader in Australia and has fulfilled a broad range of responsibilities which include Chair and Board roles, management and oversight of global businesses and a member of regulatory, risk and compliance committees. Frank remains active in financial services as a Chair and Non Executive Director for various ASX and private companies in addition to numerous advisory and consulting roles. Frank is a Fellow of the Australian Property Institute (FAPI) and a Graduate of the Australian Institute of Company Directors (GAICD). 

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Jamie Hyndman is the founder & Tribe Leader at Tribe Financial. Jamie is a senior finance strategist, complex & commercial specialist, and a Vietnam Motorbike Adventurer. Previously Founding Director and Wealth Manager of Yellow Brick Road Rosanna, he is the founder of Tribe Financial.

Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927. #markbouris #yellowbrickroad #homeloans

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Effie Nicol is a highly experienced, multi-award winning Mortgage Broker devoted to using her wealth of industry knowledge to help ordinary Australians achieve their financial goals. Effie recently won the coveted Broker of the Year Award and the Best Customer Service Individual Award in the Adviser’s NSW/ACT Better Business Awards 2024.

She was previously recognised with the Yellow Brick Road Excellence Award for Individual Broker Partner of the Year in 2022 for her contribution to the industry and her approach to customer service. Effie takes the time to understand her customers’ individual needs and objectives and provides tailored advice and solutions to suit their current circumstances. She is a strong advocate for increasing financial literacy and loves to share her insights to help educate her customers.

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Yellow Brick Road was founded by Mark Bouris to help Australians on the road to their hopes and dreams. We offer competitive rates, an all-encompassing portfolio of mortgage broking services and a network of trusted home loan experts all over Australia. For more information, visit www.ybr.com.au or call 1800 927 927. #markbouris #yellowbrickroad #homeloans

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Robert Ward is the director of Premium Broker and a mentor to brokers. He is an experienced mortgage broker with 20+ years of experience, known for his exceptional industry knowledge and passion for finding the right loan.

Robert specialises in all facets of home lending, from helping first-time buyers to complex lending structures. He is also the co-founder of the Premium Broker Network.

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Sarah Wells is a well-known expert in the mortgage and finance broking sector.

As a successful broker and industry coach with over 20 years of experience in finance and banking, she is often called upon to share her views with industry groups and the media.

Sarah's extensive experience allows her to help established brokers articulate their strategy, set priorities, and look for simple solutions to run efficient, profitable, and fun practices.

To learn more about YBR Home Loans, here 

https://brokers.ybr.com.au/

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