Shows
Craving a SavingSeason Finale: Cait answers your finance questions!We’re wrapping up the season with a bang—and a baby on the way!In this special finale episode, Cait answers your burning finance questions, from using equity as a deposit to her biggest lessons from buying property. Nothing’s off-limits, and you can expect her usual mix of straight-talking, practical advice (with a side of humour, of course). With Cait heading off on maternity leave, we couldn’t think of a better way to finish the season than by giving you the answers you’ve been craving.Send us a text with your f...
2025-06-3033 minCraving a SavingThinking of building? Here’s the lowdown on construction loansIn this episode, Cait & Bec break down how construction loans actually work, from staged payments to what lenders look for. Cait shines a light on the sneaky fine print in builder deals that no one warns you about. Whether you're eyeing a house and land package or planning a custom build, this episode will help you go in eyes wide open. Cait also shares the common traps she's seen catch clients off guard, like unrealistic build timelines, sneaky upgrade costs, and contracts that can impact your borrowing power.Send us a text with yo...
2025-06-2329 minCraving a SavingChatting all things money with 15-year-old LaraIn this episode, Cait & Bec sit down with Lara, a 15-year-old to talk all things finance. From budgeting to bank accounts, she shares her thoughts on what young people should be learning about finance, and what’s currently missing from the classroom. Whether you’re a parent, teacher, or teen, this episode is a reminder that it’s never too early (or too late) to start talking money. Get ready for some raw, refreshing perspective from the next generation.Send us a text with your feedback!To keep up to date with Cai...
2025-06-1633 minCraving a SavingHow Cait's client purchased an investment property with no savings (Yep, really)Think you need a big deposit to buy an investment property? Not always. In this episode, Cait & Bec share the story of clients Jake & Chloe, who purchased an investment property without using any of their own savings.We break down exactly how they made it happen, what strategies they used, and how this approach could be possible for others!If you're a homeowner wondering how to leverage what you've already got—this one’s for you.Send us a text with your feedback!To keep up to date with Cait...
2025-06-0924 minCraving a SavingListener story: Purchasing with poor credit & tackling high ratesOn this week's episode of Craving a Saving, Cait & Bec are diving into a real listener story that proves your credit history doesn't have to be your credit future.Our listener shares how they managed to purchase a home despite a poor credit score — but ended up with a sky-high interest rate. Can they ever refinance to something better? Is there light (and a lower rate) at the end of the tunnel? Tune in for Cait's expert take on the situation and stay right to the end for a juicy update on where they’re at n...
2025-06-0248 minCraving a SavingBabies, Budgets & Borrowing: Buying a home on parental leaveWelcoming a new baby is a beautiful chapter—but how much does a dependant impact borrowing? In this episode, Cait & Bec unpack everything you need to know about navigating parental leave while applying for a home loan in Australia.From understanding how dependants affect your borrowing power, to the documents lenders really want to see, we break down what to expect, how to plan ahead, and real-life situations that prove it can be done.In this episode you’ll also learn how it IS possible to get a home loan even whilst on parental leave, but...
2025-05-2632 minCraving a SavingThe hack banks don't want you to know, to pay less on your mortgageThink you’re stuck with your current home loan rate? Think again.In this episode, Cait and Bec reveal one of the most underrated money hacks: negotiating with your current lender — no refinancing required.You’ll learn what to say, what to have ready, and how to play the game banks hope you don’t know about. Whether you’re a seasoned homeowner or just starting out, this episode could save you thousands.Send us a text with your feedback!To keep up to date with Cait & the team, follow via socials he...
2025-05-1928 minCraving a SavingYou MUST listen to this when planning to purchase with a partner (or pal!)Thinking of buying a home with your partner, sibling, or even your bestie? Before you dive into a joint mortgage, tune in to this episode where Cait and Bec unpack the essential money conversations you need to have. From who pays what, to choosing the right ownership structure, setting up joint accounts, and planning your exit strategy (just in case), we cover all the practical—and sometimes awkward—bits that can make or break your co-ownership journey. Whether you're friends or fiancé's, this episode is your guide to purchasing together!Send us a text...
2025-05-1234 minCraving a SavingWays to increase your properties value!In this episode of Craving a Saving, Cait & Bec welcome back buyer's agent Troy Baker from Baker Advocates to talk all things property value. Whether you're a homeowner or investor, Troy shares his expert insights on the little things you can do to make a big impact—from low-cost touch-ups to strategic renovations that pay off. We break down where to spend, what to skip, and how to think like a buyer so your property stands out!If you'd like to get in touch with Troy, you can reach him at www.bakeradvocates.com...
2025-05-0528 minCraving a SavingDid we buy the wrong property?!Grappling with buyer’s remorse? You’re not alone—and this episode might be for you.Troy Baker, Buyer’s Advocate from Baker Advocates, joins Cait and Bec to break down a listener’s email, full of honest reflections and tough questions about their recent property purchase. The listener worries they’ve made the wrong decision—but once Troy dives into the numbers and potential of the area, a different picture begins to emerge. This one’s a must-listen for anyone second-guessing their property decisions or wondering how to make the most of what they already own.
2025-04-2835 minCraving a SavingWhat even is a Mortgage Broker? Cait's journey on how she became one!Curious about what a mortgage broker actually does—or how to become one yourself? In this episode, Cait & Bec are diving deep into the world of mortgage broking. Cait shares her personal journey of how she became a broker and what the day-to-day really looks like.They bust common myths, chat through how brokers get paid, and explain how broker's find the most suitable loan for your situation. Whether you're a future borrower or thinking of a career switch, this ep's packed with insights!Send us a text with your feedback!To keep up...
2025-04-2127 minCraving a SavingQ&A - You asked, we've answered!Cait & Bec are back with another Q&A episode, diving into your burning finance questions! From missed mortgage repayments to using your super to buy property — nothing is off-limits in this jam-packed chat. Whether you're a casual worker trying to get a loan, or just curious if paying weekly makes a difference, this episode has something for everyone.Send us a text with your feedback!To keep up to date with Cait & the team, follow via socials here!@cravingasaving @homeofinspire@_homeofinspire (TikTok)Join our Facebook community here - Cra...
2025-04-1434 minCraving a SavingWTF is Equity?! ..and how can it help you?Accessing equity in your property can be a game-changer!In this episode, Cait & Bec break down how equity works, the pros and cons of using it, and the ways to potentially use it. Whether you're thinking about renovating, investing, buying a business, or even funding a life expense, we’ll cover what you need to know. Plus, we’ll bust some common myths - like whether or not it's actually free money?!Send us a text with your feedback!To keep up to date with Cait & the team, follow via socials here...
2025-04-0735 minCraving a SavingUnpacking Susan's first home buying journey - going from renting to owning!In this episode of Craving a Saving, Cait & Bec deep dive a real-life, first home buyer client story!At 25, Susan was renting, had a HECS debt, and assumed homeownership was out of reach. She thought she needed years to save a full deposit—until one conversation changed everything.In just months, she went from doubting she could buy to holding the keys to her first home.How did she do it? Tune in to hear her story.Send us a text with your feedback!To keep up to...
2025-03-3137 minCraving a SavingCan't afford to buy a home? This strategy could change that!In this episode, Cait & Bec are breaking down the latest trend in investing, rentvesting — They unpack what it is, the pros and cons and compare it to traditional homeownership.Plus, they tackle the biggest rentvesting questions, including whether rent is really dead money and if you’ll regret not owning your own home.By the end of this episode, you’ll have a clear idea of how rentvesting could be the strategy that fast-tracks your property journey, or gets your foot in the property market!Send us a text with y...
2025-03-2423 minCraving a SavingUnlocking the FACTS about self-employed home loans in AusIf you're self-employed and thinking about buying a home, you've probably heard the horror stories—"You'll need a way bigger deposit" or "You won't be able to borrow enough!". But how much of that is actually true? In this episode, Cait & Bec are setting the record straight on the most common myths about getting a home loan when you work for yourself. From the truth about tax returns and interest rates to how lenders really assess your business income, we’ll break down what you need to know to boost your borrowing power. Whether...
2025-03-1723 minCraving a SavingTop 3 things to consider when buying your first investment propertyIn this episode, Cait & Bec break down the three biggest things you need to think about before making the leap into the investment property world. They discuss the pros & cons of investing in property and what to consider when purchasing an investment as your first property.Send us a text with your feedback!To keep up to date with Cait & the team, follow via socials here!@cravingasaving @homeofinspire@_homeofinspire (TikTok)Join our Facebook community here - Craving a Saving!Or visit our website to get in touch w...
2025-03-1026 minCraving a SavingSelf Employed? You NEED to hear this before getting a loan!Being your own boss has its perks—but when it comes to getting a home loan, it’s a whole different ball game. In this episode, Cait & Bec break down exactly what self-employed borrowers need to know before applying for finance. From working with the right accountant, understanding how banks assess your profit, and whether company debts will impact your borrowing power, they cover all the key factors that can make or break your loan application. Plus, they share a real-life story of a self employed client. If you’re self-employed and thinking about buying property...
2025-03-0329 minCraving a SavingYou MUST know this before buying your first home, or any home!Thinking about buying your first home? Or maybe your next one? Cait and Bec break down the essential things you must know before diving in.They cover how to be prepared for the cost of a mortgage (including any hidden fees!), what to prep for your broker & bank, and a common credit score myth!Whether you're a first-time buyer or planning your next move, this episode will help you avoid surprises and get prepped for homeownership. Tune in now! Send us a text with your feedback!To keep up t...
2025-02-2425 minCraving a Saving3 KEY TIPS to increase your borrowing capacity TODAY!Want to maximise your borrowing for your next home or investment property?In this episode of Craving a Saving, Cait and Bec break down three practical steps to boost your borrowing power. From tweaking your expenses to structuring your debts smarter, these simple yet effective strategies could help you get closer to your property goals.Whether you're a first-home buyer or a seasoned investor, this episode is packed with insights to help you maximise your loan potential.Send us a text with your feedback!To keep up to date...
2025-02-1726 minCraving a SavingDo NOT do these 5 things if you're going for a home loan!We're back with Season 2 of Craving a Saving! In our first ep for the season Cait and Bec break down the 5 biggest things you should NEVER do when going for a home loan!Whether you’re a first-home buyer or a seasoned property owner, this episode is packed with practical advice to help you avoid common mistakes when going for a home loan. Listen now so you don’t accidentally sabotage your own application!Send us a text with your feedback!To keep up to date with Cait...
2025-02-1027 minCraving a SavingQ&A episode! Cait answers your burning questions!In this season finale episode of Craving a Saving, Cait and Bec tackle your most-asked questions about all things finance!Whether you’re starting your financial journey, planning your next big step, or just curious about how to make your money work smarter, this Q&A is packed with relatable insights, practical advice, and a sprinkle of humour.Got a question we didn’t answer? Slide into our DMs or send it our way for the next round. This is your space to learn, grow, and thrive in all things finance!Send us a...
2024-12-0931 minCraving a SavingSelf-Employed? Your guide to getting a home loan!Ever heard the myth that being self-employed means getting a home loan is out of reach? Think again!In this episode, Cait & Bec bust that myth, alongside Catarina Santini; accountant and director of CS Accounting. Join them as they explore the different types of lending available for self-employed individuals, share practical tips for managing your finances, and dive into tax strategies that may work for some property and business owners.Whether you're a freelancer, business owner, or contractor, this episode will equip you with the knowledge you need to navigate the home loan process with...
2024-12-0237 minCraving a SavingWhy your first home doesn't need to be your dream home!In this episode, Cait & Bec sit down with buyer’s agent Troy Baker to explore a fresh perspective on buying your first home.Troy shares why your first property purchase doesn’t have to be your forever home—and how approaching it as an investment can open doors for your financial future. From strategies for building equity to tips on maximising your first property’s potential, this episode offers practical advice on making your first home a stepping stone to your dream home. Perfect for first-time buyers ready to think strategically! You can learn more...
2024-11-2527 minCraving a SavingUnpacking equity: What is it and how does it work?In this episode, Cait and Bec sit down with Troy Baker from Baker Advocates to dive into the ins and outs of equity and how it can be a powerful tool in your property journey.Troy, a buyer's agent with a tech-savvy, data-driven approach to property investing, shares insights on leveraging equity to grow your property portfolio and create long-term wealth.Whether you're a first-time buyer or looking to make the most of your current property, this episode is packed with tips to get you started. You can learn more about Troy’s work at ba...
2024-11-1834 minCraving a SavingBeginners guide to understanding Commercial PropertyReady to dive into commercial property but not sure where to start? Join Cait & Bec as they break down the essentials of commercial property. In this episode, Cait and Bec tackle the big questions—What kind of deposit do you need, pros and cons of commercial lending, the key things to know about differences with residential and commercial, and more! Whether, like Bec, you're a business owner looking for a new premises, or you're looking to level up your investment game, or have never known much about commercial lending because it seems scary, this episod...
2024-11-1130 minCraving a SavingGot a home loan? What every property owner NEEDS to know!In this episode, Cait & Bec delve into all the details of refinancing and some of the key things you should know if you have a home loan!They explore the reasons why you might consider refinancing, how often you should do it, and how it's not always just about the interest rate. Cait shares a client story where she switched them to a higher interest rate and ended up saving them $40,000, with some key bits of info people don't often think about!This episode is full of useful insights for our listeners who are already...
2024-11-0424 minCraving a SavingCait's Property Journey: How simple savings led to the start of a property portfolioIn this episode Cait & Bec dive into Cait's property journey, from purchasing her first home at 20 by following a simple savings hack that kick started her journey.Cait unpacks the savings strategies that made it possible, deposit sizes she had, the lessons she learned and her property goals for the future! Cait discusses her hesitancy to share her story and the importance of never comparing your journey with anyone else!Whether you're just starting out or already in the property game, Cait's story proves that small steps and long-term dedication, can lead to b...
2024-10-2825 minCraving a SavingHow much do you really need to buy your first home?In this episode, Cait and Bec break down the actual costs of buying your first home—going beyond just the initial deposit. They dive into government schemes, grants, and guarantor loans, and explain how these options may change your upfront costs!Whether you’re at the beginning of your saving journey or you're ready to purchase your dream home today, this episode has you covered with practical tips and general advice to help you plan wisely and sidestep any surprises that might pop up along the way.Send us a text with your feedback!To...
2024-10-2129 minCraving a SavingEverything you need to know about how to buy your first home!Welcome to the very first episode of Craving a Saving - where your hosts Cait & Bec are diving in to all things first home buying! Whether you're unsure where to start or want to understand things like borrowing capacity and LMI, this episode has you covered!Send us a text with your feedback!To keep up to date with Cait & the team, follow via socials here!@cravingasaving @homeofinspire@_homeofinspire (TikTok)Join our Facebook community here - Craving a Saving!Or visit our w...
2024-10-1425 min
Craving a SavingAre you Craving a Saving? Stay tuned!!We’re so excited to bring you the first season of Craving a Saving - hosted by award winning finance broker & owner of Home of Inspire, Cait Bransgrove.Cait is joined by her co-host Bec, small business owner & first time property buyer, to break down the nitty gritty of finance in a fun and friendly way!Send us a text with your feedback!To keep up to date with Cait & the team, follow via socials here!@cravingasaving @homeofinspire@_homeofinspire (TikTok)Join our Facebook community here - Craving a Sa...
2024-10-0900 min
The Brunch Files48. All your money questions answered with finance broker Cait Bransgrove On the menu today we have a special guest answering your money questions! We’re so lucky to be joined once again by finance broker and owner of Inspire Home Loans Cait Bransgrove to bring her extensive knowledge in this space Inspire Home Loans Pty Ltd ABN 69 635 748 917 is a credit representative #507978 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.Give Cait some love on social @cravingasaving and @inspirehomeandadsetloansConnect with us on social media @thebrunchfiles.podcast or send us an em...
2024-08-2640 minThe Brunch Files47: First home buying 101 with finance broker, Cait Bransgrove! On the menu today we’re talking all about buying your first home and everything you need to know if you’re wanting to get your foot on the property ladder.We’re so lucky to be joined by finance broker and owner of Inspire Home Loans Cait Bransgrove to take us through it all.Inspire Home Loans Pty Ltd ABN 69 635 748 917 is a credit representative #507978 under Australian Credit Licence #389328. Any advice given is general in nature and does not consider your personal financial needs and objectives.Give Cait some love on social @cravingasaving and @i...
2024-08-1955 min
The Australian Lawn & Garden PodcastSmall Business Finance Tips With Cait BransgroveCait Bransgrove is best know for her work in finance for her business Inspire Home & Asset Loans, however she is also known to some as lawnsingoodnickswife. So who better to get on the podcast to talk about small business finance for lawn and garden businesses than a top 5% finance broker who happens to spend a lot of time around people in our industry. Inspire Home Loans Pty Ltd ABN 69 635 748 917 is a credit representative #507978 under Australian Credit Licence #389328 Any advice given...
2024-07-071h 06
The Property PlaybookWhat's the Deal with Mortgages?Whether you're buying a brand-new home, an already established property or building from scratch, your mortgage may differ. Today, Zella Director and Mortgage Broker Cait Bransgrove is back to break it all down. In this in-depth discussion with Jessica Ricci, Cait takes the confusion out of mortgages, so you'll be better informed, no matter which option you're considering. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on The Property Playbook is general in nature and does not consider your individual circumstances. The property Playbook exists purely for educational purposes and should n...
2023-07-1718 min
I Love Mortgage Brokering485: Mastering Social Media, Part 2 - Cait BransgroveToday, we're joined by Cait Bransgrove. Cait is a Finance Broker & the Director of Zella Money from Melbourne, Australia. Zella Money has found tremendous success in its first year through the use of social media and a podcast.
Cait is here to discuss the importance of differentiating yourself from other Brokers, how she connected with her business partner, and the current Australian market.
In today's "Ask The Expert" segment, we have Tom Hall from BluMortgage discussing all-in-one vs best in class software.
Cait's 1st ILMB Appearance in Epi...
2023-06-2328 minI Love Mortgage Brokering484: Mastering Social Media with One of Australia’s Top Brokers - Cait BransgroveToday, we're joined by Cait Bransgrove. Cait is a Finance Broker & the Director of Zella Money from Melbourne, Australia. Zella Money has found tremendous success in its first year through the use of social media and a podcast.
Cait is here to discuss how she uses social media and her business partner uses a podcast to build a very successful mortgage business, even in this current tough market.
In today's "Ask The Expert" segment, we have Ben McCabe from Bloom Finance discussing using a reverse mortgage to help keep a client in...
2023-06-1920 minThe Property PlaybookThe First Home Super Saver Scheme: Everything You Need To KnowWhat is the First Home Super Saver Scheme and how could it help you on your property journey? Zella Director and Mortgage Broker, Cait Bransgrove, is back with Jessica Ricci to give you all of the details, so you can reap the benefits. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on The Property Playbook is general in nature and does not consider your individual circumstances. The property Playbook exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose t...
2023-06-1215 minThe Property PlaybookThe First Home Guarantee Scheme: what is it and how does it work?There’s a lot of confusing acronyms out there in property land (LMI, SOI etc) and today we’re tackling FHGS - the First Home Guarantee Scheme. Today Jessica Ricci speaks with Zella Director and Mortgage Broking extraordinaire Cait Bransgrove to spell it out for you. You might want to check out... Zella Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on The Property Playbook is general in nature and does not consider your individual circumstances. The property Playbook exists purely for educational purposes and should not be re...
2023-05-0814 min