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Recent episodes
40 - Unlocking Who Buys It From You Next: How the Budget Changed Buyer Pools
Jun 23, 2026
Unknown duration
39 - Unlocking the Real Risk of Buying with a 5% Deposit and How to Protect Yourself
Jun 9, 2026
Unknown duration
38 - Unlocking How Banks Assess Self Employed Income
May 26, 2026
Unknown duration
37 - Unlocking the 2026 Federal Budget & What it Means for First Home Buyers
May 14, 2026
Unknown duration
36 - Unlocking How Banks Assess Casual & Contract Income
May 12, 2026
Unknown duration
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| Date | Episode | Description | Length | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 6/23/26 | 40 - Unlocking Who Buys It From You Next: How the Budget Changed Buyer Pools | If you listened to Episode 37, you heard about the federal budget changes to negative gearing and capital gains tax. But there's a conversation we kept coming back to that deserves its own episode. It's not just about what you buy today, it's about who's going to buy it from you in the future.Since that episode, Chris has written a full report exploring exactly that question. It's called "Who Buys It From You Next?" and it looks at how the budget has reshaped buyer pools across different property types and what that means for the long-term value of what you buy today. In this episode, Jack interviews Chris about that report because there's some really important thinking here that every first home buyer needs to hear before they make a property decision.We cover how investors made up around 40% of all new home loans before the budget and why they've now stepped back from the established market. We talk about why grandfathering protects the current owner's tax position but not the next buyer and most importantly, we walk through the six practical tests from Chris's report that you can use to stress test any property before you commit.In this episode:🔑 Why "who buys it from you next" is the question most people never ask🔑 How the budget has changed buyer pools for established properties🔑 Why properties driven by investor demand are now at risk🔑 What properties with genuine owner-occupier demand actually look like🔑 The six tests to stress test a property before you buyTimestamps00:00 - Who Will Buy It From You Next?02:48 - The Key Question When You're Buying06:58 - Investor Activity and What It Means Post Budget10:37 - When Investors Are Your Buyer Pool16:22 - When Families and Owner-Occupiers Drive the Market18:45 - The Six Tests for Property AssessmentFree ResourcesChris Report: Who Buys it From You Next Mentioned Episodes: Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home BuyerEpisode 37: Unlocking the 2026 Federal BudgetWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 6/9/26 | 39 - Unlocking the Real Risk of Buying with a 5% Deposit and How to Protect Yourself | If you've been reading the news or scrolling through social media this week, you've probably seen some headlines about first home buyers using the 5% deposit scheme and something called negative equity. There is a real risk worth understanding. But for every first home buyer using this scheme, there's a clear strategy that goes with it.In this episode, Jack Elliott and Chris Bates address the headlines and talk through what negative equity actually is, when it really matters, and most importantly, how you protect yourself whether you're still planning to buy or you've already purchased using the scheme.We cover the five key things you can do to protect yourself going in, from knowing your numbers before you borrow to building your emergency fund, choosing quality assets, and getting your income protection sorted.In this episode:🔑 What the headlines are actually saying about negative equity🔑 What negative equity really is and when it matters🔑 How to work out what you can genuinely afford before you borrow🔑 Why building your emergency fund is critical with a 5% deposit🔑 The importance of asset quality and protecting your income🔑 What to do if you've already bought and are feeling anxiousIf you're planning to buy using the 5% deposit scheme and want to talk through your numbers, book a Get to Know You Chat with Jack.Timestamps00:00 - Should We Be Worried About the 5% Deposit Scheme?01:54 - What Headlines and Bank Economists Are Actually Saying03:52 - What Is Negative Equity and the Risk?06:53 - How to Protect Yourself as a First Home Buyer07:05 - #1 Do the Work on Your Numbers Before You Borrow10:18 - #2 Build Your Emergency Fund13:19 - #3 Know Your Goals and Play for the Long Term15:38 - #4 Do the Work on Asset Quality17:31 - #5 Get Insurance and Income Protection in Place20:28 - If You Lose Your Job21:46 - If You've Already Bought Using the Scheme Budgeting toolsSort Your Money Out Spending PlanPivot Wealth Savings Planner Moneysmart Budget PlannerResourcesGoals & Visions WorkbookAsset Quality ChecklistDownload Your How to Protect Yourself When Using the 5% Deposit Scheme ResourceMentioned EpisodesEpisode 1: Unlocking Your Goals and VisionEpisode 6: Unlocking Asset QualityEpisode 23: Unlocking Loan to Value RatioEpisode 25: Unlocking Interest Rates and Why They MoveEpisode 31: Unlocking Offset AccountsEpisode 37: Unlocking the 2026 Federal BudgetWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 5/26/26 | 38 - Unlocking How Banks Assess Self Employed Income | If you're self-employed, banks will usually need more from you before they'll lend compared to a PAYG employee. Understanding what banks are looking for means you can present your income in the best possible way and set yourself up for success.In this episode, Jack Elliott and Chris Bates break down how banks assess self-employed income. We talk through the standard two year approach, why one year financials could significantly increase your borrowing capacity, what your options are if your ABN is less than two years old, and how the director wages pathway could change what you're able to borrow.We also cover the tension between tax minimisation and borrowing capacity, why speaking to a broker before you lodge your tax return matters, and how connecting your broker and accountant early can help you find the right balance between both.In this episode:🔑 How banks assess self-employed income using two years of financials🔑 Why one year financials could significantly increase your borrowing capacity🔑 What your options are if your ABN is less than two years old🔑 How the director wages pathway could change what you're able to borrow🔑 Why speaking to a broker before you lodge your tax return is so importantTimestamps Timestamps 00:00 - Budget Changes: What We're Seeing for First Home Buyers01:36 - Introduction to Self Employed Income Assessment04:09 - The Standard Two Year Approach04:41 - Balancing Tax Minimisation and Net Profit07:20 - One Year Financials Policy with Example09:18 - Protecting Yourself as a Self Employed Buyer12:07 - Director Wages Policy14:57 - What If Your ABN Is Less Than Two Years Old?17:36 - Business Debts and Addbacks19:41 - Getting the Best Outcomes as a Self Employed Buyer22:19 - The Tax Return Trap24:25 - Getting the Right Team Around YouFree ResourcesDownload Your How Banks Assess Self Employed Income ResourceWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 5/14/26 | 37 - Unlocking the 2026 Federal Budget & What it Means for First Home Buyers | The Federal Budget just changed the property market overnight, and the government is calling it a win for first home buyers. If you're a first home buyer, you're probably seeing a lot of headlines and wondering what it actually means for you and your plans.In this episode, Jack Elliott and Chris Bates break down the major budget announcements and what they mean for the property market. We talk through the changes to negative gearing and capital gains tax, how investors are likely to respond, what this means for house prices and competition, and most importantly what it all means for you as a first home buyer.Whether you're actively looking at properties right now, still in the planning stage, or you've recently purchased, this episode covers what you need to know and how to think about moving forward.In this episode: 🔑 The major budget changes to negative gearing and capital gains tax🔑 How investors are likely to respond and what that means for competition🔑 Which types of properties and markets will feel these changes the most🔑 The tools and data you can use to check if an area is investor-heavy🔑 What first home buyers should be doing right now whether actively looking or still planningTimestamps00:00 - What the Federal Budget Means for First Home Buyers04:00 - What Was Actually Announced and Initial Thoughts08:11 - How Investors Will Respond11:31 - What It Means for First Home Buyers14:39 - Tools to Check Investor vs Owner Occupier Markets19:01 - What Happens to House Prices22:03 - Should Active Buyers Wait or Keep Going?24:09 - What Happens to Competition in the Market26:05 - Asset Quality and Property Selection Right Now33:10 - What It Means for the Rental Market38:12 - If You're Planning to Buy in the Future40:36 - The 5% Deposit Scheme and Help to Buy43:09 - If You've Already Purchased43:41 - Interest Rates and What Happens NextFree ResourcesOpen Stats Tool - Property Data Census - Property Data Download Your Federal Budget 20206 ResourceMentioned Episodes: Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home BuyerEpisode 26 | Unlocking the Federal Government ‘Help to Buy’ Shared Equity SchemeWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 5/12/26 | 36 - Unlocking How Banks Assess Casual & Contract Income | Casual and contract workers make up more than a quarter of the Australian workforce. If you're a casual or contract worker, there are absolutely ways to borrow. It just comes down to understanding how banks look at your income and making sure you're with the right lender for your situation.In this episode, Jack Elliott and Chris Bates break down how banks assess casual and contract income. We talk through what lenders are actually looking for, why the same weekly pay can mean very different borrowing capacity at different lenders, and how you can protect yourself financially once you take on a mortgage.We also share a real example where choosing the right lender added $35,000 in borrowing capacity just by using a different annualisation method, showing why lender selection matters so much for casual and contract workers.In this episode: 🔑 How banks assess casual income and what they're looking for 🔑 Why the same weekly pay can mean different borrowing capacity at different lenders 🔑 How banks assess contract income and the difference between dependent and independent contractors 🔑 How to protect yourself financially once you take on a mortgage 🔑 What casual and contract workers should be doing right now to put themselves in the strongest positionTimestamps00:00 - Casual and Contract Income Explained03:11 - How Banks Assess Casual Income04:48 - Strengthening Your Position as a Casual Worker06:53 - Annualisation Differences Between Lenders07:49 - Protecting Yourself as a Casual Borrower09:49 - Dependent vs Independent Contractor10:32 - Contract History, Renewals and Gaps13:30 - Key Takeaways Unlock your Free ResourcesDownload Your How Banks Assess Casual & Contract Income ResourceWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 4/28/26 | 35 - Unlocking How Banks Assess PAYG, Overtime, Bonus & Allowance Income | Income is one of the biggest drivers of your borrowing capacity, but banks don't just look at how much you earn. They look at how you earn it and depending on your situation, the same salary can produce very different results at different lenders.In this episode, Jack Elliott and Chris Bates go deeper into how banks assess different types of PAYG income. They break down what happens if you've recently changed jobs or you're still on probation, why overtime and allowances are treated differently depending on your industry, how commission and bonus income gets shaded by lenders, and what banks look for when you're working a second job or planning to go on parental leave.They also share a real example where choosing the right lender policy added $65,000 to a first home buyer's borrowing capacity, showing just how important lender choice can be.In this episode:🔑 PAYG income and what happens if you've recently changed jobs or you're on probation🔑 Overtime and allowances and why the lender you choose can make a big difference🔑 Commission and bonus income and why the bank doesn't take the full amount🔑 Second job income and what the banks are really looking for🔑 Parental leave and what you need to have in place to move forwardTimestamps 00:00 - PAYG Income - How Banks Assess it01:50 - PAYG Requirements, Job Changes & Probation06:50 - Overtime and Allowances10:39 - Commission and Bonus Income12:52 - Second Job Income14:34 - Parental Leave: Can You Still Borrow?15:51 - Wrap Up and Final ThoughtsUnlock your Free ResourcesDownload Your How Banks Assess PAYG, Overtime, Bonus & Allowance Income ResourceWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 4/14/26 | 34 - Unlocking How Banks Decide What You Can Borrow as a First Home Buyer | Borrowing capacity isn't just about your income, and it's not the same at every bank. Banks are also looking at your deposit, your debts, your spending, your credit history, and even the property you're buying to decide how much they're willing to lend you and how risky your loan looks to them.In this episode, Jack Elliott and Chris Bates walk through exactly what banks assess when you apply for a home loan. As well as banks looking at your income, we discuss how they look at your deposit and genuine savings, why credit card limits matter more than what you owe, how HECS debt actually impacts your borrowing capacity, and how the property itself can sometimes impact if you can even borrow at a certain lender. We also talk about the difference between what a bank will lend you and what's actually right for your situation, and why choosing the right lender from the start makes a big difference to your options now and into the future.In this episode: 🔑 What banks look at when they assess your borrowing capacity 🔑 How your income, deposit, debts and expenses all factor in 🔑 Why HECS debt is changing and what that means for first home buyers 🔑 The difference between what a bank will lend you and what's right for you 🔑 How choosing the right lender can make a big difference to your optionsTimestamps 00:00 - How Banks Assess You01:38 - Assessing Your Income04:37 - Assessing Your Deposit and Genuine Savings08:11 - Assessing Liabilities: Credit Cards, Loans, HECS, BNPL15:51 - Assessing Your Living Expenses and Bank Statements19:52 - Credit History and Your Assessment22:43 - How Banks Assess the Property25:08 - Borrowing Capacity Summary and the Role of a BrokerUnlock your Free ResourcesDownload Your How Banks Decide What You Can Borrow ResourceWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 3/31/26 | 33 - Unlocking Rising Rates, Market Uncertainty and What It Means for First Home Buyers | There's a lot happening right now. Another interest rate rise, global uncertainty, fuel and supply issues, and a federal budget just around the corner. If you're a first home buyer, you might be wondering what all of this actually means for you and your plans.In this market update episode, Jack Elliott and Chris Bates sit down to talk through what's going on in the market, what first home buyers are actually seeing, and most importantly, what you should focus on right now.We break down the practical impact of the latest interest rate rise on your repayments and borrowing capacity, talk through your options around fixing versus variable rates, and share a three step plan to help you move forward with clarity and confidence, no matter what the market is doing externally.In this episode: 🔑 What's actually happening in the market right now for first home buyers🔑 The practical impact of the latest interest rate rise on repayments and borrowing capacity🔑 Fixed versus variable rates and how to decide what suits your situation🔑 A three step plan to help you focus on what you can controlTimestamps 00:00 - What We're Seeing in the Market Right Now06:57 - The Impact of the Rate Rise09:54 - Should You Fix Your Rate?13:17 - Your Three Step Action PlanUnlock your Free ResourcesDownload Your Goals & Visions WorkbookDownload Your April 2026 Market Update ResourceMentioned Episodes: Episode 25 | Unlocking Interest Rates and Why They MoveWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 3/17/26 | 32 - Unlocking How to Buy Strategically with a Gift, Inheritance or Large Deposit | If you've saved a significant deposit, received a gift from family, or come into money through inheritance, you're in a strong position as a first home buyer. But having more cash doesn't automatically mean the best decision is to put it all into the property.In this episode, Jack Elliott and Chris Bates talk through the strategic options worth considering when you have a large deposit. We explore how to balance reducing your loan with keeping buffers in place, why your emergency fund matters, and how a bigger deposit might allow you to skip the stepping stone property altogether.We also talk about the professionals worth bringing into your corner, including buyer's agents and financial planners, and how a larger deposit opens up opportunities like buying properties that need renovation or having the option to buy higher quality assets.In this episode: 🔑 Whether to put all your deposit in or keep buffers aside🔑 How to protect yourself after settlement with emergency funds🔑 Why a large deposit might let you skip the stepping stone property🔑 The value of buyer's agents and financial planners for first home buyers🔑 How you could use your deposit strategically to get the best long-term outcomeTimestamps 00:00 - Introduction03:16 - Leaving Buffers & Why It’s Important06:17 - Can You Look Beyond the Stepping Stone Mindset?08:32 - The Importance of Asset Quality11:26 - Build the Right Team Around You: Buyers Agents & Financial Planners19:52 - Don't Let the Bigger Deposit Rush YouUnlock your Free ResourcesDownload Your Buying Strategically with a Gift, Inheritance or Large Deposit ResourceMentioned Episodes: Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home BuyerWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 3/3/26 | 31 - Unlocking the Power of Offset & Redraw for First Home Buyers | Understanding how offset accounts and redraw facilities work can save you thousands in interest and years off your home loan. But most first home buyers have never been taught the difference between them or how to use them strategically.In this episode, Jack Elliott and Chris Bates break down what an offset account actually is, how redraw works differently in the background, and why the choice between them matters, especially if your first home might become an investment property down the track.We walk through real examples showing how even small amounts sitting in offset or paid as extra repayments can make a huge difference over the life of a 30-year loan. We also talk about money psychology and how to choose the right structure based on your goals and how you manage money.In this episode: 🔑 What an offset account actually is and how it reduces interest🔑 What a redraw facility is and how it works🔑 The key differences between offset and redraw🔑 How to use each strategically based on your goals🔑 Real examples showing the impact of your offset account and extra repaymentsTimestamps 00:00 - Introduction to Offset & Redraw Episode02:42 - What is an Offset Account?04:28 - Impact of an Offset Account09:10 - What is a Redaw?12:59 - Offset vs Redraw: Key Differences and Strategy16:11 - Money Psychology around Offset and Redraw19:29 - The Power of Extra Repayments with Examples23:23 - Episode Wrap up & Key TakeawaysUnlock your Free ResourcesDownload Your Offset & Redraw Resource Mentioned Episodes: Episode 21 | Unlocking How Your Mortgage Actually WorksWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
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| 2/17/26 | 30 - Unlocking How to Handle the Pressure of Buying Your First Home | Buying your first home is a big decision, and it often comes with a lot of external pressure. Pressure from family, friends, media headlines, and sometimes even from yourself through comparison and the fear of missing out.In this episode, Jack Elliott and Chris Bates talk through the most common pressures first home buyers face and how to navigate them without feeling rushed or overwhelmed.We explore the "just get in" mindset and why buying without thinking about asset quality can create bigger issues later. We also address the fear of missing out, the pressure around rising property prices, and the idea that "rent money is dead money."Most importantly, we share practical tools to help you step back, get clear on your goals, and make decisions that actually support your vision and future.In this episode:🔑 How to handle other people's opinions and conflicting advice🔑 Why "just getting in" can be risky without focusing on asset quality🔑 Navigating FOMO and the fear of being locked out of the market🔑 The future self test: buying for where you want to be in 5-10 years🔑 Why rent money isn't "dead money" and reframing the conversationTimestamps 00:00 - Introduction: First Home Buyer Pressures02:30 - Handling Other People's Opinions06:11 - The "Just Get In" Mindset and Why It's Risky13:52 - FOMO and The Future Self Test21:16 - The "Rent Money's Dead Money" Story25:22 - Episode Wrap UpUnlock your Free ResourcesDownload Your Goals & Visions WorkbookMentioned Episodes: Episode 25 | Unlocking Interest Rates and Why They MoveWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 2/11/26 | Bonus - Unlocking What the Rate Rise Means for First Home Buyers | In early February 2026, there was an interest rate rise announced by the Reserve Bank of Australia (RBA). Jack Elliott and Chris Bates talk through what this actually means for first home buyers and how to respond without feeling rushed or pressured.We break down the practical impact of a rate rise on both monthly repayments and borrowing capacity, and share real examples so you can understand what this looks like in your situation.Most importantly, we talk about what you can control right now. You can't control interest rates or the market, but you can control getting a clear plan in place that suits your goals, your budget, and your life.In this episode:🔑 What the interest rate rise means for first home buyers🔑 The practical impact on monthly repayments and borrowing capacity🔑 Why building buffers into your plan from the start matters🔑 What to focus on right now and how to control what you can control🔑 What Chris is seeing in the market after the rate riseTimestamps 00:00 - What First Home Buyers Should Do After a Rate Rise07:47 - How a Rate Rise Affects Your Repayments and Borrowing Power10:11 - What Chris is Seeing in the Market After the Rate RiseUnlock your Free ResourcesDownload Your Goals & Visions WorkbookMentioned Episodes: Episode 25 | Unlocking Interest Rates and Why They MoveWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 2/3/26 | 29 - Unlocking How to Buy Your First Home in 2026: Part 2 | If buying your first home is part of your plan for 2026, this two-part series is designed to give you a clear, step-by-step framework to follow.In Part 2, Jack Elliott and Chris Bates move into the action phase of the buying journey. This is what happens once you’re pre-approved and ready to start looking at properties.We walk through how to assess asset quality, what to look for at inspections, the due diligence every buyer should be doing, how to structure a strong offer, and what actually happens from formal approval through to settlement. This episode is about slowing things down just enough to make good decisions and move forward with clarity and confidence.In this episode:🔑 How to assess asset quality and choose the right property🔑 What to look for at inspections and the due diligence that matters🔑 How to make a confident offer and protect yourself🔑 What happens from formal approval through to settlementTimestamps 00:00 - Introduction to How to Buy Your First Home (Part 2)03:27 - Step 6: Asset Quality14:35 - Step 7: Property Inspections and Due Diligence28:08 - Step 8: How to Make an Offer38:42 - Step 9: Formal Approval & Settlement32:10 - Wrap Up & We Are Here to Help You in 2026Unlock your Free ResourcesHow to Buy Your First Home Step By Step Resource Download your Asset Quality ChecklistGet Your Unlocking Asset Quality ResourceGet Your Making An Offer ResourceGet Your Settlement Ready GuideMentioned Episodes: Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home BuyerEpisode 7 | Unlocking Offers: How To Make a Confident Offer as a First Home BuyerEpisode 8 | Unlocking Formal Approval & Settlement for First Home BuyersWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 1/20/26 | 28 - Unlocking How to Buy Your First Home in 2026: Part 1 | If buying your first home is part of your plan for 2026, this two-part series is designed to give you a clear, step-by-step framework to follow.In Part 1, Jack Elliott and Chris Bates walk through the preparation phase of buying your first home. This is the groundwork you’ll want to do before inspections or making offers, and it sets you up to move forward with confidence.We cover how to get clear on your goals, understand your upfront costs, choose the right deposit pathway, and organise your pre-approval so you’re ready to begin your property search.In this episode:🔑 Getting clear on your goals and vision before you buy🔑 When to speak to a broker and why timing matters🔑 Understanding the real upfront costs beyond the deposit🔑 Deposit options and pathways available to first home buyers🔑 What pre-approval actually means and how to prepare properlyTimestamps 00:00 - Introduction to How to Buy Your First Home (Part 1)03:27 - Step 1: Goals and Visions08:50 - Step 2: Speaking With the Right Broker13:27 - Step 3: Understanding the Real Costs of Buying Your First Home22:33 - Step 4: Understanding How Much Deposit You Need28:02 - Step 5: Get Your Pre-Approval Organised32:10 - Wrap Up and Looking to Forward to Part 2Unlock your Free ResourcesHow to Buy Your First Home Step By Step Resource Download Your Goals & Visions WorkbookDownload Your State by State Stamp Duty Guide for First Home BuyersGet Your Unlocking the Costs to Purchase Your First Home Resource Get Your Unlocking Your Deposit ResourceGet Your First Home Guarantee Scheme Resource Mentioned Episodes: Episode 1 | Unlocking Your Property Vision as a First Home BuyerEpisode 3 | Unlocking the Real Cost of Buying Your First HomeEpisode 4 | Unlocking Your Deposit: How Much Do First Home Buyers Really Need? Episode 10 | Unlocking the First Home Guarantee Scheme: Buy Your First Home With 5% Deposit Want to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 12/23/25 | 27 - Unlocking Our 2025 Lessons & Reflections for First Home Buyers | In this final episode for 2025, Jack Elliott and Chris Bates reflect on the biggest lessons and insights from working with first home buyers over the past year.We talk through what changed in the first home buyer landscape in 2025, including the expansion of the First Home Guarantee (now the 5% Deposit Scheme), and what those changes meant in real life for buyers navigating their first purchase. We also share the common questions buyers asked this year and the decisions that made the biggest difference.Most importantly, this episode is about helping you carry the right lessons into 2026.In this episode:🔑 What changed for first home buyers in 2025🔑 The biggest lessons we saw from buyers this year🔑 The most common questions first home buyers asked in 2025🔑 What we’re seeing ahead as we look toward 2026Unlock your Free Resources Street Secrets PodcastWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 12/16/25 | 26 - Unlocking the Federal Government 'Help to Buy' Shared Equity Scheme | The Federal Government’s new Help to Buy shared equity scheme has officially opened, and for some first home buyers it could help bridge the gap between borrowing capacity and the cost of a quality home. But shared equity also comes with rules, restrictions, and long-term trade-offs that need to be understood upfront.In this episode, Jack Elliott and Chris Bates break down how the Help to Buy scheme actually works, what it’s like living with shared equity day to day, and how buyers can eventually exit the scheme and regain full ownership. We also share our honest thoughts on when shared equity can make sense and when other pathways may be a better fit.In this episode:🔑 What shared equity is and how the Help to Buy scheme works🔑 Who the scheme is designed for and how eligibility works🔑 What it’s really like living in a shared equity arrangement🔑 How and when you can exit the scheme and buy back full ownership🔑 The key trade-offs to consider before choosing shared equityTimestamps 00:00 - Introduction to the Help to Buy Scheme01:59 - What Shared Equity Actually Means04:13 - How the Help to Buy Scheme Works and Who It’s For09:40 - What It’s Like Living with the Help to Buy Scheme14:56 - How to Exit the Scheme and Regain Full Ownership20:54 - Our Thoughts on Shared Equity and Help to BuyUnlock your Free Resources Unlocking Help to Buy Scheme Resource Help to Buy SchemeProperty Price Cap ToolHelp to Buy Scheme Fact SheetHelp to Buy Scheme Customer GuideWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 12/9/25 | 25 - Unlocking Interest Rates and Why They Move | Interest rates are one of the first things first home buyers focus on. In this episode, Jack Elliott and Chris Bates break down what an interest rate actually is, who sets it, and why it changes over time in clear, simple terms.You’ll learn the difference between fixed, variable and split loans, how the RBA and banks each play a role in setting your rate, and why today’s rates feel so different compared to the Covid years. Most importantly, we talk about how to plan for future rate changes so your repayments stay comfortable and you feel in control of your mortgage.In this episode:🔑 What an interest rate actually is and how it is charged🔑 How the RBA cash rate, banks and risk all influence your rate🔑 How to stress test your numbers and plan for future rate rises🔑 Why your long term strategy matters more than chasing the lowest rateTimestamps 00:00 - Introduction to Interest Rates02:12 - What an Interest Rate Actually Is03:43 - Fixed, Variable and Split Loans Explained06:38 - Who Sets Your Rate and Why It Changes12:51 - Interest Rate Trends in The Past 16:09 - How to Plan for Future Rate Movements19:23 - Why Strategy Matters More Than the Rate22:39 - Episode Wrap-Up and Key TakeawaysUnlock your Free Resources Unlocking Interest Rates Resource Episode 21 | Unlocking Unlocking How Your Mortgage Actually WorksASX RBA Interest Rate TrackerWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 12/2/25 | 24 - Unlocking Lenders Mortgage Insurance (LMI) | Lender’s Mortgage Insurance is sometimes a misunderstood part of buying your first home. Most people know it shows up when your deposit is under 20%, but not everyone understands what it actually is, why banks charge it, or when paying it can genuinely help you get into the market sooner.In this episode, Jack Elliott and Chris Bates break down LMI in simple, practical terms. How it works, how much it costs, and how it fits into today’s first home buyer landscape. You’ll learn the four main pathways that can help you reduce or avoid LMI, plus when paying LMI can actually be a smart move if it helps you buy a quality home earlier.We also talk through real examples, including profession-based waivers, new no-LMI policies, and family guarantor options.In this episode:🔑 What LMI actually is and why banks charge it🔑 How LMI affects your borrowing power and interest rate🔑 The main ways first home buyers can avoid or reduce LMI🔑 When paying LMI is actually worth it🔑 How LMI fits into your long-term strategy as a first home buyerTimestamps 00:00 - Introduction to Lenders Mortgage Insurance (LMI) 01:59 - What is LMI? 04:57 - Options for FHB’s to Avoid Paying LMI15:51 - When Paying LMI is Worth it19:39 - How LMI is Priced 22:05 - Key Takeaways of LMI Unlock your Free Resources Unlocking LMI Resource Want to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 11/25/25 | 23 - Unlocking Your Loan to Value Ratio (LVR) | Your Loan to Value Ratio (LVR) is one of those terms you’ll hear a lot when applying for a loan, but not every first home buyer understands how it actually impacts your interest rate, your approval, or how much flexibility it can open up for your future.In this episode, Jack Elliott and Chris Bates break down LVR in clear, simple terms, what it is, how it’s calculated, and why it matters so much for your first home strategy.You’ll also learn how LVR works under the First Home Guarantee, what to think about when borrowing at 95% LVR, and how your LVR improves naturally over time as you build equity.In this episode:🔑 What LVR actually is and how it’s calculated🔑 Why banks care about LVR and how it affects rates🔑 How LVR influences lending policy and flexibility🔑 How LVR works under the First Home Guarantee (5% Deposit Scheme)🔑 How LVR and equity work together as your loan and property value changeTimestamps 00:00 - Introduction to Loan to Value Ratio (LVR02:04 - What is Loan to Value Ratio (LVR) & Why it Matters? 05:52 - LVR and Lending Policy08:27 - LVR Under the First Home Guarantee (5% Deposit Scheme)11:48 - Understanding the Risk of 95 % LVR12:49 - The Relationship Between LVR and Equity14:59 - Using LVR to Build Leverage and Flexibility18:22 - LVR Episode RecapUnlock your Free Resources Unlocking LVR Resource Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home BuyerWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 11/18/25 | 22 - Unlocking Repayment Frequency: Does Fortnightly Really Save You Thousands? | You’ve probably seen the claim online that paying your mortgage fortnightly will save you thousands in interest. In this episode, Jack Elliott and Chris Bates break down why that isn’t always true, and why it all comes down to how your bank actually calculates your repayments.You’ll learn the two different repayment methods lenders use, when the “save thousands” theory works, and when switching to fortnightly makes no difference at all. We also cover how to choose the right repayment method for you. In this episode:🔑 The two ways banks calculate weekly and fortnightly repayments🔑 When the “save thousands” theory actually works and when it doesn’t🔑 How to choose the right repayment frequency for your situationTimestamps 00:00 - Introduction and What’s Happening in the First Home Buyer Market (November 2025)03:00 - The Viral Fortnightly Repayment Claim Explained 03:41 - The Half-Monthly Repayment Method & Example Breakdown05:35 - Paying Your Loan on Your Terms (Not the Bank’s)08:15 - The Actual Repayment Method & Example Breakdown09:34 - Why Lenders Use Different Repayment Methods 12:39 - Jack’s Take: Why Monthly Repayments Often Work Best 13:13 - Chris’s Take: Cashflow, Behaviour, and Real-Life Strategy 14:58 - Considerations for Investment Purchases & Wrap-UpUnlock your Free Resources Unlocking Repayment Frequency Resource MoneySmart Mortgage Calculator Episode 21 | Unlocking Unlocking How Your Mortgage Actually WorksWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 11/11/25 | 21 - Unlocking How Your Mortgage Actually Works | Most first home buyers think a mortgage is just a loan but understanding how it actually works can help you use it as a tool for long-term flexibility and freedom.In this episode, Jack Elliott breaks down how your mortgage works behind the scenes, from principal and interest to loan terms, repayment options, and how banks calculate interest daily. You’ll learn what really happens after settlement, how repayments are structured, and what influences the total cost of your loan over time.If you’ve ever wondered where your money actually goes each month or how lenders calculate your repayments, this episode explains it all in clear, simple terms.In this episode:🔑 What a mortgage actually is🔑 Principal, interest, and how repayments are calculated🔑 How interest is charged daily and what that means for you🔑 Loan terms explained and how they shape total repayments🎧 Listen now and understand exactly how your mortgage works with clarity and confidence.Timestamps 00:00 - Introduction to how your Mortgage Actually Works 01:28 - What is a Mortgage? 02:06 - Key Parts of a Mortgage02:59 - Understanding Interest & How it is Calculated 03:24 - How Much Do You Really Pay Back? 04:55 - Understanding Interest Rates 05:34 - Variable Interest Rates 06:58 - Fixed Interest Rate08:07 - Rates Will Change Over Time & Assessment Buffers 08:59 - How Repayments Work 10:23 - Loan Terms & Flexibility 11:54 - Loan Fees & Features 12:16 - Wrap Up on Understanding Mortgages & Key TakeawayUnlock your Free Resources Unlocking How Your Mortgage Actually Works Resource Episode 1 | Unlocking Your Property Vision as a First Home Buyer Episode 3 | Unlocking the Real Cost of Buying Your First Home Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home BuyerWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 11/4/25 | 20 - Unlocking the Truth About the 5% Deposit Scheme | The First Home Guarantee Scheme has a new name, it’s now called the 5% Deposit Scheme, but how it actually works, and what the latest report reveals, might surprise you.In this episode, Jack Elliott unpacks the 2024–25 Financial Year Housing Australia Report and clears up the biggest myths surrounding the scheme: that it’s brand new, that it’s tied to one political party, and that it’s high-risk for buyers. You’ll learn what the data really shows about borrower performance, how the scheme is being used across Australia, and what it actually costs to buy under it.Whether you’ve heard mixed messages online or you’re wondering if this could help you buy sooner, this conversation will help you understand the facts and how to use the scheme strategically.In this episode:🔑 Why the 5% Deposit Scheme isn’t new (and how it’s evolved since 2020)🔑 The real numbers from the 2024–25 Housing Australia Report🔑 How arrears and defaults compare to the broader market🔑 What “borrowing at 95% LVR” really means for risk and buffers🔑 Why you’ll need more than a 5% deposit once all upfront costs are included.Timestamps 00:00 - Introduction to the 5% Deposit Scheme Report 01:55 - What is the 5% Deposit Scheme? 02:22 - Misconception 1: The Scheme is New 03:56 - Misconception 2: It is a Labour Only Scheme 04:41 - Misconception 3: There’s a high risk of defaults or arrears05:33 - Understanding the Risk of using the 5% Deposit Scheme 06:45 - Misconception 4: You only need a 5% deposit to buy09:03 - What the 2024–25 Financial Year Report Shows01:20 - The Key Takeaway when using the 5% Deposit Scheme 10:51 - Wrap-Up & What’s Coming NextUnlock your Free Resources The Truth About the 5% Deposit Scheme ResourceHGS Trends and Insights Report 2024-25Original 5% Deposit Scheme Accountment (2020)National Arrears Data Episode 1 | Unlocking Your Property Vision as a First Home Buyer Episode 3 | Unlocking the Real Cost of Buying Your First Home Episode 6 | Unlocking Asset Quality: How to Choose the Right Property as a First Home BuyerEpisode 10 | Unlocking the First Home Guarantee Scheme: Buying Your First Home With 5% DepositWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 10/28/25 | 19 - Unlocking First Home Buyer Support in Western Australia | Western Australia offers some strong incentives to help first home buyers reduce upfront costs and enter the market with confidence, but knowing how to use them strategically is what makes the difference.In this episode, Jack Elliott breaks down what’s available as of October 2025, including WA’s stamp duty concessions for first home buyers, the $10,000 First Home Owner Grant for new builds, updates to the First Home Guarantee Scheme, and Keystart’s shared equity and low-deposit options.You’ll learn who’s eligible, how each incentive works, and how to think strategically about which programs genuinely support your long-term goals, not just short-term savings.In this episode:🔑 Stamp duty concessions for first home buyers in WA🔑 $10,000 First Home Owner Grant explained🔑 First Home Guarantee: Buy with 5% and pay no LMI🔑 Keystart Shared Equity and Low-Deposit Loan overview🔑 Strategy insights to build long-term flexibility and equityTimestamps 00:00 – Intro: WA incentives overview01:42 – Stamp duty concessions03:00 – Example breakdowns & eligibility04:05 – Strategy: don’t chase savings05:06 – $10K First Home Owner Grant06:46 – First Home Guarantee updates08:28 – Shared Home Ownership (Keystart)11:13 – Strategy: pros & cons of shared equity12:22 – Wrap up & next stepsUnlock your Free Resources WA First Home Buyer ResourceFirst Home Owner Rate of DutyStamp Duty CalculatorFirst Home Owners GrantFirst Home Guarantee Scheme Opening Doors Shared EquityWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 10/21/25 | 18 - Unlocking First Home Buyer Support in South Australia | South Australia offers a range of incentives to help first home buyers reduce upfront costs and enter the market sooner, but knowing which ones actually support your long-term goals is key.In this episode, Jack Elliott breaks down what’s available as of October 2025, including the state’s full stamp duty relief for new homes, the $15,000 First Home Owner Grant, updates to the First Home Guarantee Scheme, and South Australia’s own shared equity option through HomeStart Finance.You’ll learn who’s eligible, how each incentive works, and where to think strategically about how these programs fit within your bigger plan, not just your short-term savings.In this episode:🔑 Full stamp duty relief on eligible new homes and land🔑 $15,000 First Home Owner Grant explained🔑 First Home Guarantee: Buy with 5% and pay no LMI🔑 HomeStart Shared Equity Option overview🔑 Strategy insights for choosing long-term value over short-term savingsTimestamps 00:00 – Intro: SA incentives overview01:05 – Stamp duty relief explained03:13 – Strategy: long-term focus04:30 – $15K First Home Owner Grant06:14 – First Home Guarantee update07:43 – HomeStart Shared Equity Option11:39 – Strategy: pros & cons12:33 – Wrap up & next stepsUnlock your Free Resources SA First Home Buyer ResourceStamp Duty Relief Stamp Duty Calculator First Home Owners GrantFirst Home Guarantee Scheme HomeStart - Shared Equity OptionWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
| 10/14/25 | 17 - Unlocking First Home Buyer Support in Northern Territory | The Northern Territory offers some of the most generous first home buyer incentives in Australia from full stamp duty exemptions for new builds, to grants worth up to $50,000. But understanding which ones truly support your long-term goals is key.In this episode, Jack Elliott breaks down what’s available as of October 2025, including the House and Land Package Exemption, HomeGrown Territory Grants, the First Home Guarantee Scheme, and the HomeBuild Access shared equity program.You’ll learn who’s eligible, how each incentive works, and how to think strategically about using these programs, so you can make decisions that build long-term flexibility and wealth, not just short-term savings.In this episode:🔑 Full stamp duty exemption for eligible house-and-land packages🔑 $50,000 HomeGrown Territory Grant for new homes🔑 First Home Guarantee Scheme — buy with 5% and pay no LMI🔑 HomeBuild Access program — low-deposit and subsidised loan options🔑 Strategy insights to help you focus on quality and long-term valueTimestamps00:00 – Intro: NT incentives overview00:50 – Stamp duty exemption explained02:20 – Eligibility & key details03:55 – Strategy: long-term thinking05:05 – $50K HomeGrown Grant (new homes)08:05 – Strategy: new vs established09:20 – First Home Guarantee overview10:45 – NT price caps & updates12:10 – HomeBuild Access overview13:35 – Low-deposit & subsidised loan options17:30 – Strategy: shared equity pros & cons18:25 – Wrap up & next stepsUnlock your Free ResourcesNT First Home Buyer ResourceHouse & Land Package Exemption (HLPE)Home Grown Territory Grant - New HomesFirst Home Guarantee Scheme HomeBuild Access Shared Equity Scheme Want to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community 📅 Book a chat with Jack for tailored support 📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au | — | ||||||
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