Your First Home Buyer Guide Podcast

By: Veronica Morgan & Meighan Wells
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  • Summary

  • Your First Home Buyer Guide. Get there without missing a step.
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Economics
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Episodes
  • What You Need to Know Before Buying a Property in 2025

    What You Need to Know Before Buying a Property in 2025
    Dec 31 2024
    Buying a property in 2025 presents unique opportunities and challenges, but how can you make sure you're ready? The property market can feel overwhelming, with interest rates, media noise, and endless opinions flying around, but we’re here to cut through the confusion and give you practical advice that actually helps. We’ll start by breaking down why trying to time the market is a waste of energy. Let’s be real—no one knows exactly what’s going to happen. Instead, we’ll focus on what you can control, like getting your finances in order and understanding how to make a solid decision when the time is right. It’s all about buying when you’re ready, not when the media tells you it’s a good idea. We also touch on big trends shaping the market, like immigration, rental shortages, and government incentives. Schemes like Shared Equity sound great on the surface, but there’s a lot to think about. We’ll help you figure out if it’s the right move for you—or if it could end up costing you more in the long run. And, as always, we’ll talk about price research. If you’re serious about buying, you need to know your market inside and out. We’ll show you why understanding current sales data is the key to making confident offers and avoiding common mistakes. So, if you’re serious about making 2025 your year to buy, this episode is packed with insights to get you on the right track. Let’s make sure you’re ready to hit the ground running. Episode Highlights: 00:00 - Introduction 03:02 - A little throwback to what the 2023 and 2024 property market looked like 04:31 - How to prepare for property market shifts and rising competition 07:41 - Why timing the property market in 2025 might cost you more than you think 12:24 - Seasonal factors should buyers consider when entering the property market 18:12 - Current and ongoing challenges in the property market 26:13 - How immigration could impact Australia's housing demand 32:04 - Shared equity schemes and government interventions to address the housing crisis 36:36 - Cautions for property buyers: Strategies for 2025 success Resources mentioned in this episode: Grab our where to buy tutorial for only $39 right here: https://homebuyeracademy.com.au/workshop Resources: FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers Visit our website https://www.homebuyeracademy.com.au/ Join our Facebook Group to get access to free monthly live Q&A sessions https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/ Work with Meighan: https://www.linkedin.com/in/meighanwells/ If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825 Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f See omnystudio.com/listener for privacy information.
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    43 mins
  • Q&A: Deposit Risks, Rentvesting, and Grading Property

    Q&A: Deposit Risks, Rentvesting, and Grading Property
    Dec 24 2024
    Ever wondered if rentvesting is the way to go, what happens to your deposit if things fall through, or whether it’s worth stretching for an A-grade property? We’re tackling these big questions straight from our Facebook group in this episode. First, let’s talk about deposits. Did you know the rules around conditional offers and cooling-off periods vary state by state? We break it all down, from what happens if conditions aren’t met to why having a good solicitor is non-negotiable. Seriously, don’t sign anything without advice—your deposit might depend on it. Next, we dive into rentvesting. For some, it’s the perfect solution, but is it the right fit for you? Especially if you’re further along in life and buying your first home, we talk about how to weigh up living where you want versus making a smart investment. And spoiler: the right answer depends on what really matters most to you. Finally, we tackle the A-grade versus B-grade property debate. Should you go for a top-tier asset, even if it means tighter finances? We chat about when it’s worth stretching your budget, what makes a property truly “A-grade,” and why overcapitalising on a renovation in the wrong location is a big no-no. This episode is packed with real talk and practical advice to help you make better decisions on your home-buying journey. Let’s get started! Episode Highlights: 00:00 - Introduction 02:31 - Meighan’s special house of the week 03:05 - Will I lose my deposit if conditions I set aren't met in a conditional offer? 09:25 - Should a 59-year-old first-time buyer choose rentvesting over buying in Sydney? 13:07 - Is the financial stress of an A-grade property worth the potential benefits? 16:57 - Should you raise and renovate a property near a main road and apartments? Resources mentioned in this episode: Your First Home Buyer Guide Podcast Episode #135: How to Navigate the Unknown: Finding Homes in Unfamiliar Territory https://homebuyeracademy.com.au/podcasts/135 Your First Home Buyer Guide Podcast Episode #205: Rentvesting: What You Need to Know Before Taking the Leap https://homebuyeracademy.com.au/podcasts/205 Your First Home Buyer Guide Podcast Episode #173: Rentvesting or Homeownership: What’s the Smarter Move? https://homebuyeracademy.com.au/podcasts/173 Resources: FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers Visit our website https://www.homebuyeracademy.com.au/ Join our Facebook Group to get access to free monthly live Q&A sessions https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/ Work with Meighan: https://www.linkedin.com/in/meighanwells/ If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825 Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f See omnystudio.com/listener for privacy information.
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    24 mins
  • How Rentvesting Can Secure—or Sabotage—Your Financial Future

    How Rentvesting Can Secure—or Sabotage—Your Financial Future
    Dec 17 2024
    Rentvesting—it sounds like a smart way to get into the property market while keeping your lifestyle intact, doesn’t it? But is it the right move for your long-term financial future? This week, we unpack what it takes to make rentvesting work and how to avoid falling into common traps that could cost you more than you bargained for. Joining us is David Johnston, Mortgage Strategist at Property Planning Australia, to help us break it all down. We explore a hypothetical scenario where Kath, a first-time buyer, is trying to decide whether to buy a home to live in or an investment property while continuing to rent where she loves. Through this scenario, we unpack the hidden factors people often overlook—like borrowing capacity, government incentives, tax implications, and the risks of investing in markets that may not perform as well as expected. It’s about more than just numbers; it’s about having a plan that aligns with your lifestyle and future goals. David shares why forward planning is key, including structuring your loan in a way that keeps your options open down the track. Then, we also explore the trade-offs between high-yield and high-growth properties and why asset selection is critical if you want to avoid the pitfalls that catch so many first-time buyers out. If you’re considering rentvesting as a way to get ahead, this episode is for you. We unpack how to take a long-term view, weigh up your options, and make smart decisions that will set you up for success—not just now but for years to come. It’s all about being strategic and confident in your choices. Episode Highlights: 00:00 - Introduction 02:13 - Our guest for today – David Johnston 03:27 - To set the scene: should Kath buy a home to live in or an investment property? 06:37 - Does borrowing capacity differ when buying an investment property vs a home to live in? 07:52 - Short-term considerations when choosing between a home and an investment property 11:03 - Do interest rates have an impact on the choice between buying a home or investing? 14:09 - Challenges of rentvestors buying properties outside their state 25:21 - What needs to go right for rentvestors to afford their dream home later? 28:43 - Why does borrowing capacity go down when interest rates go up? 31:58 - Is it risky to buy a cheap property for rental income while saving for a home? 34:55 - What are the risks and benefits of renting out rooms in your owner-occupied property? 37:20 - What happens if you become an accidental investor by buying in an unfamiliar area? 45:14 - One thing David knows now that he wishes he knew as a first home buyer About Our Guest: David Johnston is the founder of Property Planning Australia, a firm dedicated to providing independent property and mortgage strategy advice. With a focus on helping families build wealth and security, David believes in the power of property as both a home and a financial asset. His approach centers on unbiased, client-focused advice, free from conflicts of selling investment products. David is also the author of How to Succeed with Property to Create Your Ideal Lifestyle and Property for Life – Using Property to Plan Your Financial Future, both published by Wiley. Connect with David Johnston: Website https://propertyplanning.com.au/ LinkedIn https://au.linkedin.com/in/david-johnston-8534871 The Property Trio Podcast https://www.propertytrio.com.au/ Resources mentioned in this episode: Your First Home Buyer Guide Podcast Episode #9: What is the Importance of a Borrowing Strategy? https://homebuyeracademy.com.au/podcasts/009 Resources: FREE MINI COURSE: How to price property like a professional https://www.homebuyeracademy.com.au/freecourse Meet our recommended mortgage brokers at Home Buyer Academy https://homebuyeracademy.com.au/brokers Visit our website https://www.homebuyeracademy.com.au/ Join our Facebook Group to get access to free monthly live Q&A sessions https://www.facebook.com/groups/yourfirsthomebuyerguideaustralia Learn how to buy property without making a mistake with our ultimate 10-step online course for first time home buyers https://homebuyeracademy.com.au/YFHBG If you have any questions or would like to be featured on our show, contact us at: Your First Home Buyer Guide Podcast support@homebuyeracademy.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Brisbane Buyers Agent? https://www.propertypursuit.com.au/ Work with Meighan: https://www.linkedin.com/in/meighanwells/ If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey! Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825 Subscribe on Spotify: https://open.spotify.com/show/...
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    50 mins

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