Shows
You Have My Interest - Getting Personal With Property FinanceDeep Dive - More than Mortgages - Creating Impact in AfricaThis week’s episode of You Have My Interest is a little different. Evelyn takes you behind the scenes of her recent trip to Africa, where she visited two life-changing projects supported by Everlend’s fundraising efforts from International Women’s Day, in partnership with Just Peoples. She shares powerful stories of the women she met, and how financial education and skills training through programs like Asembo Skills for Hope are creating generational change in communities experiencing poverty.Evelyn also reflects on her biggest mindset shift from this trip around funding – funding-the importance of long-ter...2025-07-2427 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - RBA Cash Rate and Election Impacts on Housing and Interest RatesIn this week's episode of You Have My Interest, Evelyn unpacks the recent RBA cash rate cut and what it means for mortgage repayments, borrowing power, and future interest rate expectations.She also explores the housing policy changes following Labor’s election win, including the 20% reduction in HECS debt, which could help boost borrowing capacity for first home buyers. Evelyn breaks down how banks assess HECS in lending and shares a real client example to show the potential benefits.Plus, she covers other proposed government measures such as apprentice in...2025-05-2218 min
You Have My Interest - Getting Personal With Property FinanceGuest - How to Pay a Deposit on a House - with Mitch PerryIn this week’s episode of You Have My Interest, we’re diving into all things deposits – a term that’s often misunderstood in the property world.Evelyn unpacks the key differences between your deposit (the upfront payment when signing a contract) and your overall contribution (your full financial input into the purchase). She also clears up some common confusion caused by marketing lingo and lender terminology around percentages.In the second half of the episode, Evelyn is joined by Mitch Perry from Deposit Assure to talk all about deposit...2025-04-1027 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Vic Stamp Duty Scrapped & RBA Interest Rate PredictionsIn this episode of You Have My Interest, we dive into key market updates, including the impact of RBA rates, the Home Value Index, and Victoria's new temporary stamp duty concession for off-the-plan purchases.
We break down how the new concession, effective from October 21st, 2024, differs from previous ones and who’s eligible—whether you’re a first-time buyer or an investor and what this means for you. Evelyn also covers how stamp duty is calculated based on the land value and provides practical examples. Plus, she shares essential financing tips and the importance of due...2024-12-0524 min
You Have My Interest - Getting Personal With Property FinanceFinance File - First Home Super Saver + Buying Off Mum and DadIn this episode of You Have My Interest, we follow a client’s journey and the steps taken to successfully purchase their first home through a related party transaction.
We dive into the key considerations, including securing independent valuations, understanding lender rules for related party purchases, and navigating state stamp duty regulations. We also explore how the First Home Super Saver Scheme helps boost savings, with tips on timing and using determination letters as proof of funds. Additionally, we highlight the client’s strategic loan choice, focusing on flexibility and long-term financial goals.
2024-11-2115 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Live Borrowing Capacity Assessment & Structuring Joint Home Loans with your PartnerIn today’s episode of You Have My Interest, we’re diving into some fantastic questions from our Instagram followers on topics like borrowing capacity, adding additional borrowers to loans, and structuring property titles.
We discuss how your salary impacts borrowing potential, how adding someone to a loan can help with serviceability, and what it means to transfer property titles. We also explore how to effectively structure property ownership when one party contributes more cash and the other contributes more to the loan.
Whether you're looking to maximise your loan...2024-11-1413 min
You Have My Interest - Getting Personal With Property FinanceGuest - Practical Financial Planning with James WrigleyIn today’s episode, Evelyn sits down with James Wrigley, a certified financial planner from Melbourne, renowned for his straightforward financial insights. With over 72,000 followers on Instagram and 92,000 on TikTok, James has become a trusted voice in personal finance, sharing practical advice on retirement planning, superannuation, capital gains tax, tax deductibility, and investments.
In This Episode, We Cover:
- Common questions in financial planning, especially around property investments
- Essential tips on retirement planning and understanding superannuation
- Key considerations for managing capital gains tax an...2024-11-0654 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - How our First Home Buyers Avoided LMI with a Guarantor Loan and Smart Financial PlanningIn this episode of You Have My Interest, we dive into another Finance File, sharing the inspiring journey of a first-time homebuyer couple from Victoria. This de facto couple, with a young child, dreamed of owning their own home and began their property journey nearly a year ago by reaching out to us for financial guidance.
We explore how they transitioned from renting in Castlemaine to owning a home near Bendigo, working with ANZ to secure a guarantor loan that helped them avoid Lenders Mortgage Insurance (LMI) and save on stamp duty. Plus, we...2024-10-3018 min
You Have My Interest - Getting Personal With Property FinanceGuest - Creating a Healthy Relationship with Money with Jess BradyIn this episode, Evelyn sits down with Jess Brady, a financial planner and a recent finalist in five categories of the 2024 Women in Finance Awards, including Entrepreneur of the Year and Innovator of the Year.
Jess shares her insights on money mindset and offers practical advice for those starting their wealth creation journey. She introduces her groundbreaking programs, The Greenhouse Money Growing Community and The Evergreen Money Club, designed to provide accessible financial guidance to those who often miss out on traditional financial advice.
With over 17 years of experience...2024-10-2348 min
You Have My Interest - Getting Personal With Property FinanceGuest - The Right Mortgage Broker is Your Secret Investment Weapon with Vanessa DallasIn this episode, Evelyn Clark is guest on 'The Intrepid Investor' Podcast with host Vanessa Dallas. The key differences between residential and commercial property investments are explored.
We discuss Lenders Mortgage Insurance, higher deposit requirements for commercial properties, how to leverage residential assets for funding, and the process of assessing rental income through valuations and cap rates.
We also chat on aligning investment goals with the right property strategy and shares tips on self-investment and maintaining balance in a busy career, emphasising the importance of both professional and personal de...2024-10-1647 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Expats, Foreign Income, Should I Fix My Home Loan? & Offset AccountsIn this week's Q&A episode, we dive deep into key topics for Australian expats, smart offset account strategies, and the current fixed-rate landscape.
Evelyn answers a client’s question about how being an expat can impact borrowing capacity, explaining what types of foreign income lenders typically accept when living and working abroad as an Australian citizen.
We also explore how to maximise your offset account and debunk common myths around fixed-rate home loans.
Packed with valuable insights, this episode is a must-listen for anyone na...2024-10-0919 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - Non Resident Investment Property PurchaseIn this episode, we talk about helping a married couple purchase their second investment property, despite one partner being on a bridging visa. The key challenge was avoiding the 8% "Foreign Purchaser Additional Duty," which we were able to do by selecting the right lender. This allowed us to keep only the Australian citizen on the title while still using both incomes for the loan.
We also preserved their existing 2.40% fixed rate on their first property by accessing equity to cover the deposit and costs for the new purchase. Additionally, we took out an extra $80,000...2024-10-0218 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Your First Home Buyer Bible - Borrowing Capacity, Deposits, Grants, Schemes & ConcessionsIn this episode of You Have My Interest, we provide a comprehensive guide for first-time homebuyers, covering everything you need to know to enter the market with confidence. We discuss borrowing capacity, the importance of deposits, and how they impact your purchasing power.
We also break down the various costs involved in completing a purchase and the grants, schemes, and concessions available to Australian buyers. Additionally, we touch on pre-approvals, debunk common myths like the need for a 20% deposit, and share key insights from our first home buyer webinars and workshops.
2024-09-2550 min
You Have My Interest - Getting Personal With Property FinanceGuest - Protect and Fix Your Credit Report with Daniel WalkerIn this episode, Evelyn welcomes Daniel Walker, founder of Bon Voyage Credit Repair. They dive into common credit issues and how Daniel helps clients clean up their credit reports and improve their credit scores.
Key highlights include:
Credit Education: Daniel emphasises the importance of understanding credit reports and financial literacy, as schools often don't teach this crucial information.
Credit Repair Process: Daniel explains how defaults and inquiries affect credit scores, and how Bon Voyage assists clients in removing negative marks, including inquiries and defaults.
Tips for Maintaining Healthy...2024-09-1846 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Home Loan Benefits for Nurses & Refinance TrapsIn this solo episode, Evelyn tackles some burning questions from Instagram about mortgages and refinancing. First, she discusses the unique benefits nurses can receive when buying a property, including lenders mortgage insurance waivers and the ability to use more of their variable income for loan serviceability. She also dives into the details of refinancing when you have both an investment loan and an owner-occupied loan on the same property, breaking down the complexities and rules to keep in mind.
Key topics:
* Special mortgage benefits for nurses, including LMI waivers.
* Refinancing...2024-09-1110 min
You Have My Interest - Getting Personal With Property FinanceBonus - Defining the 43 Most Common Mortgage & Property TermsIn this episode, we're thrilled to introduce a valuable new resource: A Glossary of Key Mortgage & Property Terms.
Evelyn will walk you through 43 essential terms that often come up in discussions with customers and various borrowing and buying scenarios.
Our goal is to provide a clear, quick reference to help you navigate the often confusing jargon associated with mortgages. By breaking down these fundamental terms, we aim to empower you with the knowledge needed to confidently engage in conversations with your mortgage broker!
Find...2024-09-0423 min
You Have My Interest - Getting Personal With Property FinanceGuest - Data Driven Property Investment with Kev TranIn this episode Evelyn welcomes Kev Tran, a buyer's advocate and founder of Kev Tran Buyers Advocacy.
Kev shares his data-driven approach to property investment, focusing on properties priced between $450,000 and $1 million across Australia.
He discusses how he uses a macro-to-micro strategy to identify investment opportunities, analysing national trends before honing in on specific local areas and property types.
Kev also shares his journey from working at Casinos to becoming a property investor, inspired by seeing the wealth generated through real estate.
2024-08-2940 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - Buying 2 Investment Properties with $55k Savings on $75k IncomeIn this episode, Evelyn takes us on a deep dive into a real-life case study showcasing the power of equity in property investment.
She highlights how one client, with just a $55,000 initial deposit, managed to secure not one, but two properties by leveraging the capital growth from her first purchase.
What’s particularly inspiring about this story is the client’s modest salary of $70,000, proving that with the right strategy, you don’t need to earn six figures to build wealth through real estate.
Tune in to learn how strategic property investment can accele...2024-08-2124 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - "LMI is Bad", How Mortgage Brokers Get Paid & other Mortgage MythsIn this episode, Evelyn breaks down common mortgage myths that often mislead potential homeowners. With interest rates in flux and the RBA recently pausing the cash rate, it's crucial to understand these misconceptions.
Evelyn debunks myths such as needing a 20% deposit, the idea that mortgage brokers select lenders based on commission, and the belief that you must be in your job for a specific period before applying for a home loan.
She also discusses why Lenders Mortgage Insurance (LMI) isn’t always a negative and sheds light on how banks actually assess your spending habits an...2024-08-1429 min
You Have My Interest - Getting Personal With Property FinanceGuest - House Hunting Hacks with Buyers Advocate Emily WallaceIn this episode, Evelyn sits down with Emily Wallace, Director and Head Buyers Advocate at Wallace Advocates, to explore her deep expertise in Melbourne's property market, focusing on the Northern and Bayside corridors.
Emily offers a comprehensive guide for first-time home buyers, sharing crucial tips on what to look for during property inspections, how to engage effectively with real estate agents, and strategies for negotiating the best deal.
We dive into the specifics of navigating the buying process from start to finish, providing practical advice that will help first-time buyers confidently secure their ideal property. ...2024-08-0842 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Properties Banks Won't FinanceIn this episode, Evelyn discusses the various types of securities that banks typically will not accept for residential loans.
She covers common issues like properties under 40 square metres, high-density or inner-city postcodes, properties over 40 hectares, vacant land without services, and unique cases such as stratum and company title units, NDIS accommodation, and islands without bridge access.
Evelyn highlights the importance of understanding these restrictions to avoid potential pitfalls in property financing.
Tune in to gain valuable insights and ensure you're well-prepared for your next property purchase!
...2024-07-3119 min
You Have My Interest - Getting Personal With Property FinanceGuest - Part 2, Investment Strategies and Property Insights with Pierce HanlenIn this episode, we're back for part two with Pierce Hanlen, Partner and Wealth Adviser at Hewison Private Wealth.
Pierce, a Certified Financial Planner and Accredited Self-Managed Super Fund Specialist Adviser, covers two key topics: calculating retirement fund requirements using the 5% rule and deciding whether to pay off debt before investing.
He explains the 5% rule, which helps determine how much you need to save for retirement based on generating a 5% net cash flow from your investments.
Pierce also discusses the pros and cons of paying off debt versus investing, highlighting the differences between...2024-07-2425 min
You Have My Interest - Getting Personal With Property FinanceGuest - Part 1, Investment Strategies and Property Insights with Pierce HanlenIn this episode Evelyn is joined by Pierce Hanlen, a Partner and Wealth Adviser at Hewison Private Wealth.
Pierce, a Certified Financial Planner and Accredited Self-Managed Super Fund Specialist Adviser, brings seven years of experience at Hewison, where he has advanced to an equity partner and a member of the internal Investment Committee.
Awarded Young Adviser of the Year at the ifa Excellence Awards in 2021, Pierce is dedicated to ensuring his clients' futures are as bright as possible.
Pierce shares his insights on different investment strategies, the pros and cons of residential vs...2024-07-1745 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - FHB Gov Guarantee Scheme ExplainedIn this episode Evelyn breaks down the First Home Buyer Government Guarantee Scheme. Evelyn provides a detailed look at the eligibility criteria, using a real-life example of a client she assisted.
The client, a 31-year-old energy analyst from Springvale, successfully purchased a unit in Burwood thanks to the scheme.
Evelyn explains the client's financial situation, including savings, income and expenses, and discusses the chosen loan structure and the benefits of the scheme.
The episode highlights the practical aspects and advantages of the scheme, offering valuable insights for first-time homebuyers.
Tune in...2024-07-1126 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Borrowing In A TrustIn this episode, Evelyn dives into the world of buying properties and borrowing through trusts.
Discover how trusts can provide benefits like asset protection, tax planning, and succession planning.
Plus, don’t miss the announcement of our upcoming webinars for first-time home buyers and seasoned investors.
Get insider insights from a recent Westpac roundtable on interest rates, and learn the essentials of different trust types and their impact on borrowing capacity.
Enjoy the episode!
Find out your next step in property finance:
You Have My...2024-07-0325 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - Buying 6 Investment Properties by Age 30In this episode, Evelyn shares great news for Australian mortgage holders: the cash rate remains unchanged this month, providing a welcome relief amid talks of potential rate hikes later this year.
She dives into a unique case study of a 29 year old client who is a rent-vesting enthusiast with five investment properties, working towards acquiring a sixth.
This episode offers insights into his financial background, income sources, and the strategic loan structuring that has enabled his investment success.
Evelyn emphasises the importance of proper loan structuring, avoiding cross-securitisation, and the benefits of working...2024-06-1921 min
You Have My Interest - Getting Personal With Property FinanceQ&A - What is Debt Recycling & QLD First Home Buyer SavingsIn this episode, Evelyn shares exciting updates for first-time home buyers in Queensland, including increased stamp duty thresholds, expanded home buyer guarantee schemes, and new grants and concessions.
These changes offer significant savings and benefits for first-time buyers in the region.
Additionally, Evelyn answers questions about debt recycling, explaining how this strategy can convert non-deductible debt into tax-deductible debt. She highlights the importance of correct loan structuring and consulting financial professionals to maximise tax benefits. We hope you enjoy this informative episode!
Find out your next step in property finance:2024-06-1217 min
You Have My Interest - Getting Personal With Property FinanceGuest - Your Self Worth = Your Net Worth with Accountant Vanessa BamfordEvelyn sits down with Vanessa Bamford, a seasoned chartered accountant and financial coach, to explore the critical role of financial literacy in business growth and personal wellbeing.
Vanessa shares her journey from a traditional accounting practice to a holistic approach that empowers purpose-driven businesses to thrive.
Learn how understanding your numbers and addressing the psychological aspects of money can transform your business and personal life. Discover practical strategies for setting financial targets, managing cash flow, and creating a sustainable business model that aligns with your personal values.
Key Topics Covered:
Understanding...2024-05-2945 min
You Have My Interest - Getting Personal With Property FinanceBonus - How to Become a Mortgage BrokerWe're bringing something a little different to you this week! Today, Evelyn is deep diving on how to become a mortgage broker.
There are so many ways to structure yourself as a broker, and different pathways of entry.
Evelyn breaks down some key information such as:
- the qualifications and/or experience you need
- how to choose a mentor
- ongoing education and development
- models as an employed broker - PAYG, Commission, Retainer, or a combination
- aggregators - what they do, how...2024-05-2236 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - My Journey to Owning Two Properties by Age 26Today our host Evelyn takes you on a deep dive into her own personal property journey.
In this episode Evelyn talks about how she purchased two properties by the age of 26.
Evelyn shares the nitty gritty costs involved, how much she needed to have in savings, how much she borrowed, and what her initial plans for the properties were.
In particular, Evelyn gives an overview on her plans to develop the first property, and how this was very quickly altered based on the changes in the market.
Evelyn shares her wins a...2024-05-1533 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Self Employed Policies for Sole Traders and CompaniesIn this episode, Evelyn talks about all things self employed lending.
Self employed finance is typically seen as 'hard' and can take longer to assess, but Evelyn reveals why this is just a myth, and how critical it is to speak to people who know specifically which lender will assess your income in the most favourable manner.
Applying with no context or knowledge of a bank's self employed policy is like taking a shot in the dark! You don't know where it will land.
Evelyn also talks about some of the commonly used...2024-05-0832 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - Buy and Sell without Bridging FinanceIn this episode, Evelyn talks about how she assisted a long term client to sell a current property and purchase their next without using bridging finance.
Now this structure may not work for everyone, so Evelyn breaks down who would be eligible to finance a purchase this way.
She also talks about why loan structure is so important, and why a variable loan with offset facilities was the most suitable option for this client.
She talks about some potential pitfalls of fixed rates if you are looking at making additional repayments, and why...2024-05-0114 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Pt 2: Using Equity, Investment Rates, Loyalty Tax and How to Beat ItThis week, we head into part 2 of our client Q&A, where Evelyn answers four more questions in detail, covering off on everything from taking a sabbatical from work, right through to how you can beat loyalty tax with your current bank.
She also talks about reasons people refinance outside of interest rates, and how you can calculate the available equity in your property.
Tune in to hear Evelyn answer the following:
How does taking a sabbatical from work impact your ability to secure loan approval?
How do you refinance effectively?2024-04-1721 min
You Have My Interest - Getting Personal With Property FinanceQ & A - Pt 1: Buying investment property 2 & 3, income, equity and more!Welcome to our latest Q&A episode, where we tackle four insightful questions sent in by one of our clients.
In this episode we explore the concept of making extra repayments on an investment loan with an offset account. Does it make sense to pay more into the loan account if you already have funds in the offset? We discuss how this may change whether your loan is interest only or principal and interest.
We provide some tips and tricks for presenting a strong loan application for a second or third investment property, even if th...2024-04-1018 min
You Have My Interest - Getting Personal With Property FinanceGuest - Navigating the Property Market with Trent Alexander from Investments AcceleratedLet's talk about all things property investment.
To cover this big topic, Evelyn is joined by Trent Alexander, an independent property investment advisor.
Evelyn explores Trent's journey from the new home sector to his venture into founding Investments Accelerated, where he is all about helping people navigate the path to achieving their property dreams.
Trent shares valuable insights for first-home buyers, investors and those reassessing their portfolios, emphasising the importance of aligning investments with long-term goals.
The conversation also delves into rent-vesting with Trent offering balanced perspectives tailored to individual life...2024-04-0336 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - 100% Overtime, Novated Leases and Cash Out for RenosIn this episode, Evelyn delves into the complexities of novated leases and their implications on loan applications and repayments, with a focus on securing additional funds for property renovations.
Evelyn shares a client case and offers vital insights into the finer details of navigating novated lease agreements and understanding their impact on loan terms.
She discusses how these leases can affect a borrower's eligibility and alter the structure of repayment schedules, emphasising the importance of strategic financial planning when incorporating such elements into refinancing decisions.
Tune in to gain a deeper understanding and...2024-03-2715 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Client Asks Me Questions on Contract Work, Credit Cards and What Makes a Good Broker?In today's Q&A, Evelyn is sent a series of questions from a long term client.
She explains how lenders view contracted employees compared to permanent or full time employees. She also discusses the difference between a contracted employee and an independent contractor, who is actually treated as self employed.
Evelyn then looks at what makes a good broker, and some of the key criteria to look at when deciding if a broker is right for you, and will support your long term goals.
Finally she discusses how credit cards impact your borrowing cap...2024-03-2019 min
You Have My Interest - Getting Personal With Property FinanceGuest - Understanding Secured vs Unsecured Commercial Lending with Jack Talbot from Leverage Property CapitalToday we talk commercial lending with Jack Talbot, Director at Leverage Capital.
With experience at Bank of Melbourne and Liberty, Jack ventured into entrepreneurship almost four years ago, focusing on aiding business and self-employed clients.
Whether you're experienced or new to business financing, gain insights into navigating commercial finance.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored...2024-03-1332 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Mortgage Refinancing Explained: When, Why and How to RefinanceIn today's deep dive episode we're focusing on refinancing.
Discover why people refinance beyond just seeking lower interest rates, learn about potential challenges and gain insights into managing your home loan effectively.
Whether you're considering refinancing for a better rate, improved product features, or accessing equity, this episode offers valuable information to help you make informed decisions about your finances.
Don't miss this episode with practical tips to optimise your home loan strategy!
Find out your next step in property finance:
You Have My Interest is...2024-03-0626 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - The Economy State By State, Building Reforms & RBA Meeting ChangesIn today's episode, we're diving deep into the state of the economy.
Recently, Evelyn attended an event hosted by the Mortgage and Finance Association of Australia (MFAA) in Melbourne, where we had a presentation from one of the heads of Heron Todd White, a valuation firm, discussing the current economic landscape.
Additionally, we explored insights from the ComSec State of States report, which analyses the performance of Australian states and territories.
Notably, South Australia ranked number one in growth for the first time ever, followed by Victoria and New South Wales.
...2024-02-2823 min
You Have My Interest - Getting Personal With Property FinanceQ&A - All Things Investing with Jess Clifford from Green PocketsIn this Q&A episode, Jess from GreenPockets answers questions from listeners alongside Evelyn, discusses various financial and investing topics.
Jess emphasises the emotional risk in investing and suggests starting with small amounts.
She talks about maintaining a financial foundation and setting achievable retirement goals.
Jess also touches on tax-effective strategies and offers insights into Cryptocurrency.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating...2024-02-2117 min
You Have My Interest - Getting Personal With Property FinanceGuest - Stocks or Real Estate: Deciding Your Investment Path with Financial Coach Jess CliffordJoin us for an insightful conversation with Jess Clifford from @greenpockets_ as we delve into the world of investing and financial freedom.
In this episode, we simplify investing concepts and explore why gaining understanding is crucial for achieving financial independence.
Jess shares her journey into the financial field and explains why she started her Instagram page to demystify personal finance.
Discover practical steps to start investing, understand the importance of cash flow management, and learn how investing can provide passive income streams for a life of freedom.
Whether you're a beginner...2024-02-1445 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Maximising Borrowing Capacity through Variable PAYG Income (OT, Allowances, Bonus & Commission)In this episode, Evelyn delves into the world of home loan lending, focusing on ways to enhance your borrowing potential with diverse forms of variable PAYG income such as overtime, allowances, bonuses and commissions.
This episode also touches on the current interest rate market, offering insights into potential rate changes, and provides valuable perspectives on how different Australian lenders evaluate these income sources.
Evelyn emphasises the importance of understanding your borrowing comfort zone and shares the benefits of starting with smaller investment properties before moving towards your dream home.
For tips on refining...2024-02-0725 min
You Have My Interest - Getting Personal With Property FinanceFinance Files: Self-Employed First Home Buyers in Victoria Approved with 18-Month ABNIn this episode, we explore an interesting client scenario featuring a first-time homebuyer couple in Victoria.
What makes this story unique is one partner's recent self-employment in the medical industry.
Join us as we reveal how we secured their finance approval on an 18-month ABN, a challenge that many banks hesitate to accept.
We'll also take you through their journey in using the First Home Loan Deposit Scheme, allowing them to purchase their dream home without lenders mortgage insurance.
Discover hidden gems and expert insights in today's scenario to help navigate...2024-01-3115 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Live Development Feasibility on 5 Potential Sites with Baz KomakToday's episode is a unique and exciting one as Evelyn brings back property development expert Baz Komak.
This time, Evelyn has gathered five potential property development sites from our listeners, and Baz is going to assess them in real time.
Join us as Baz takes a deep dive into each location, evaluating the feasibility of development and crunching the numbers to determine their profitability.
This hands-on session provides listeners with a firsthand look at how a seasoned property developer approaches site analysis and decision-making.
This dynamic and informative session is one no...2024-01-2419 min
You Have My Interest - Getting Personal With Property FinanceGuest - Residential & Commercial Property Development 101 with Baz KomakToday we're joined by Baz Komak, a successful financial planner turned property developer.
Baz shares invaluable insights into both residential and commercial property development. Baz and Evelyn discuss crucial considerations for any project, emphasising the importance of thoroughly assessing profitability and knowing the numbers inside out.
Baz delves into his key learnings and explores the various types of development opportunities, highlighting the importance of having your 'A' team around you, and getting correct advice from the get-go.
Whether you're a seasoned developer or a newcomer to the field, this episode provides actionable advice and s...2024-01-1750 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Money Habits We're Leaving in 2023In this short and sharp episode, Evelyn shares a power-packed list of money habits that she's leaving behind in 2023, and you should too.
She sheds light on financial practices that may be hindering your financial wellness, including bidding farewell to buy-now-pay-later schemes like Afterpay and ZipPay to breaking free from the allure of unnecessary subscriptions, Evelyn provides actionable insights for a financially empowered year ahead.
Even if you only release one negative habit or take on a positive one from this episode, this episode will help you leave financial stress behind in 2023.
Tune in...2024-01-1014 min
You Have My Interest - Getting Personal With Property FinanceBonus - Our Favourite, Impactful Guest Moments from 2023This week we are bringing you the best of 2023 from the You Have My Interest podcast!
As we kick off the new year, we've distilled some of the key educational moments from five of our favourite guests this year - and boy, was it hard to pick!
We've covered a range of topics from personal insurance with Phil Thompson, winning at auction with Andy Reid, buying a property that stands the test of time with Aife Horsley, right through to where to invest in property around Australia with PK Gupta, and finally, how to change...2024-01-0450 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - Purchasing an Off the Plan First Home at 48 Years OldJoin us as we explore the world of off-the-plan property purchases with an interesting and detailed case study.
Evelyn takes you through the journey of a first-time buyer who secured financing for a property that was not yet built.
Evelyn reveals the risks and rewards of off-the-plan purchases, the client's financial profile, and how they leveraged government schemes to reduce costs.
She also shares insights on selecting the right loan structure, product features and a lender aligned with sustainability values.
Tune in!
Find out your next...2023-12-2717 min
You Have My Interest - Getting Personal With Property FinanceGuest - From $70K in Credit Cards to Financially Free in 5 Years with Andy LloydIn this podcast episode with Andy Lloyd, we delve into his remarkable journey from financial struggle to achieving his goal of financial freedom by age 44.
Andy shares how he transformed his mindset about money, explains the importance of Robert Kiyosaki's Cash Flow Quadrant, and offers insights into building passive income streams through business ownership and investments.
Don't miss this inspiring conversation about achieving financial freedom and shifting your financial mindset.
Find out more about Andy's wine business: https://www.entrevineur.com.au/
Find out your next step in property...2023-12-2041 min
You Have My Interest - Getting Personal With Property FinanceFinance Files – 6 Month Career Break, Day 1 Income, No Cash DownCan you buy a property if you've only been employed for one day?! Listen in to this week's episode as Evelyn explains just how it can be done.
This Finance File was a special one, as our client was so ecstatic to receive finance approval, not thinking it was possible.
We loved helping her achieve her goals, and restructure her current loans in the meantime, to something that was more tax effective and saved her interest.
Remember, you should be reviewing your loans and finances at least once a year! Today's client hadn't...2023-12-1313 min
You Have My Interest - Getting Personal With Property FinanceGuest - Australian Investment Property Insights with Cate Bakos PropertyToday we have a special guest with a wealth of knowledge in the world of Australian Real Estate.
Cate Bakos, a chemistry graduate from Monash University, transitioned from a career in science and sales/marketing to real estate, becoming a highly recognised property expert and award-winning buyer's agent.
With over 2,000 client interactions, contributions to numerous media platforms and authorship in the field, Cate's journey includes co-founding a boutique Melbourne Buyers Agency and achieving multiple industry accolades, while also co-hosting "The Property Trio" podcast.
In this episode, we touch on the current state of...2023-12-0643 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Guarantor Home Loans to Help Buy PropertyIn this episode, we take a comprehensive look at the world of guarantor loans.
We explore how guarantor loans can be a game-changer for aspiring homeowners (or investors!).
Guarantor loans are perfect for someone who has a smaller deposit, but a strong borrowing capacity.
Some of the benefits include:
Less savings required
Lower interest rates
Avoid lenders mortgage insurance
From understanding the benefits and potential risks to practical tips for both borrowers and guarantors, join us as we unravel the complexities and demystify the process o...2023-11-2929 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Answering Listener Q's - LMI, Equity, Bridging, IO Loans, First Home BuyingIn a special Q and A episode, Evelyn tackles the big questions from listeners on a wide range of property and finance issues.
The topics covered investors, developers, home owners and also first home buyers, who are all navigating a challenging market.
Be sure to tune in!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your...2023-11-2321 min
You Have My Interest - Getting Personal With Property FinanceBonus - How To Buy Your First Home with Dylan BuckleyThis week we have a bonus episode from our mates over at Dyl and Friends, where Evelyn sat down with Dylan Buckley to talk all things property, finance and how to buy your first home.
Evelyn explains some common misconceptions around loans, deposits, grants - plus provides some handy tips for first-home buyers.
Dyl and Friends team:
Email - hello@producey.com
Instagram - @dylbuckley @dylandfriends
Youtube - @clubbysports
Facebook - dylandfriends
Tiktok - @dylandfriends
Find...2023-11-1556 min
You Have My Interest - Getting Personal With Property FinanceGuest – Mastering Data-Driven Property Investments with PK GuptaIn this episode we're joined by PK Gupta, a successful property investor who has amassed a diverse portfolio in both residential and commercial real estate, generating an impressive $120,000 in annual passive income.
PK's mission is to help fellow Australians achieve similar financial success by focusing on data-driven property investments.
PK's journey from investment banking to property investment is a fascinating one, driven by a desire for better results and more freedom.
He shares insights from his Property Investment Accelerator course, designed to empower individuals with the knowledge and strategies needed to build successful...2023-11-0851 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - Purchasing a Winery with Foreign IncomeEvelyn explores a client's journey to materialise their dream retirement by purchasing a winery.
It is one of our favourite episodes!
Discover how the client leveraged existing residential properties to secure better lending options, interest rates and terms for this unique venture.
Listen in to learn the financial strategies behind this inspiring success story.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you...2023-11-0119 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Rentvesting Vs Owner Occupying your First HomeWhat is rentvesting? What are its advantages? And who is it for?
Ever wondered if you can buy a property (or build an entire portfolio) while still living in the dream (that could be mum and dad's home, or another rental)? Well, you can.
And today, Evelyn answers your key questions on just how it's done.
Evelyn also answers the key question: "Are you still eligible for the First Home Buyer Stamp Duty concessions if you have an investment property?"
And finally, we look into the pros and cons for buying...2023-10-1812 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - What Property Should I Buy First?Considering buying your first home, but have no idea where to start or what to buy? This episode is for you!
In this episode Evelyn looks at the common challenge of knowing how to approach the purchase of your first property - specifically, an owner-occupied or investment property, and the different types of property assets.
Gain valuable insights on the different property purchase strategies, and make informed decisions that align with your unique goals and aspirations.
Evelyn talks about how different property types can cater to various goals, along with the associated pros...2023-10-1129 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - SMSF Lending - An Alternative to Traditional Property InvestmentIn this Finance File episode, Evelyn explains how Self Managed Super Fund (SMSF) Lending helped a couple continue to expand their Australian property portfolio.
She dives into the key aspects of SMSF lending, including its benefits, eligibility criteria, and important considerations.
SMSF lending allows individuals to use their superannuation funds to invest in property and other assets, providing more control and flexibility over their retirement savings.
For the couple featured in today's Finance File, they have been able to purchase three properties in the last 12 months and are already gearing up for the ne...2023-10-0419 min
You Have My Interest - Getting Personal With Property FinanceGuest - Unraveling Private Lending: Insights with Nick Green of Oak CapitalIn this episode, we're joined by Nick Green from Oak Capital, as he and Evelyn delve deep into the rapidly evolving world of Private Lending.
Discover its pros and cons, grasp the reasons behind the increasing interest in private loans, and arm yourself with vital tips for prudent borrowing.
Nick also talks about the Oak Capital approach to the world of lending.
Tune in for this special episode that unravels the nuances of private lending.
Find out your next step in property finance:
You Have My...2023-09-2741 min
You Have My Interest - Getting Personal With Property FinanceQ&A – Interest Rate Update and Mastering Debt ConsolidationWondering where interest rates are headed?
Join Evelyn for a Q and A that covers market movements, and also get answers to your pressing questions from last week's episode on debt consolidation.
Plus, snag our bank call script for those "let's chat, Mr. Banker" moments!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out...2023-09-2019 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Let's talk about debt (consolidation), baby!In this solo episode, Evelyn is talking about debt (consolidation), baby!
Debt consolidation can be a handy way to help pay off your consumer loans faster, but it can also have some pretty significant negative impacts if not done correctly.
Evelyn starts today's episode by giving us the lowdown on what's happening in the property and finance scene and dives into the buzz around bridging finance. Evelyn then breaks down debt consolidation and brings clarity to its potential long-term implications.
Finally, she shares the "snowball" strategy as a different method of paying off...2023-09-1330 min
You Have My Interest - Getting Personal With Property FinanceFinance Files – Bridging Finance – How to Buy and Sell at the Same TimeWhat is Bridging Finance?
Join Evelyn this week as she explains the seemingly complex world of bridging finance through the lens of a real-life client success story.
This episode features a self-employed client, which added more complexity to the scenario - you don't want to miss it.
You will hear the ins and outs of how bridging finance works and how it can be tailored to meet unique circumstances like buying and selling at the same time.
Evelyn uncovers some key considerations such as the cost, the timeframes, what you need t...2023-09-0719 min
You Have My Interest - Getting Personal With Property FinanceGuest – Breathwork, Meditation, Mental Health and Conscious Living with Sara and Dan from Yes&What is Breathwork?
On today’s show, Evelyn introduces Dan and Sara, two guests in a very different field – breathwork.
Having recently travelled to Bali to attend an 8-day breathwork retreat, Evelyn saw immense value in sharing their craft. Facilitated breath repatterning brings an awareness to breath that can be profound in breaking patterns or responses to stimulus that do not serve us.
Regardless of YHMI being a property and finance podcast, Evelyn has always been an advocate for mental health and personal development, and that’s exactly what she found breathwork to provid...2023-08-3055 min
You Have My Interest - Getting Personal With Property FinanceQ & A - All Things Construction LoansIn today's episode, Evelyn dives deeper into the world of construction loans, building on the insights from our previous episode.
She addresses your burning questions and demystifies the intricacies of construction financing.
Here are some of the pressing questions that Evelyn tackles:
- What are the key differences between traditional home loans and construction loans?
- Can you get fixed rates on construction loans?
- How do progress payments work in construction contracts?
- How is interest calculated...2023-08-2320 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Navigating Construction Loans - From House & Land Packages to Custom Builds and SubdivisionAs we kick off our new podcast format, Evelyn delves into the intricate world of construction lending in Australia.
From house and land packages to custom builds and subdivisions, Evelyn unpacks and simplifies the complexities around the finance options.
Are you a first-time builder dreaming of a custom-designed home? An investor looking to grow through property development? Or perhaps you’re exploring the potential of a subdivision opportunity?
Hear from Evelyn on:
Insider tips on navigating the loan process smoothly
Key considerations in Fixed Price Building Contracts that can make or break yo...2023-08-1638 min
You Have My Interest - Getting Personal With Property FinanceGuest - From First Home to Investment Empire: Your Property Buying Guide with Ravi SharmaIn this episode Evelyn and Maddie sit down with Ravi Sharma, an influential name in Australian real estate and a finalist for the REB's Buyer's Agency of The Year (2023) and Rising Star Finalist Award (2023).
Ravi, with his down-to-earth wisdom, shares key things to know about buying your first home, investing in properties, and understanding the ins and outs of the Australian property market.
Whether you're just starting your home buying journey or you're an old hand at property investing, this episode has something for you!
Ravi is founder of SearchProperty...2023-08-0239 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Safeguarding Your Future with Personal Insurance, featuring Phil ThompsonIn this Q&A episode, our hosts Maddie and Evelyn sit down with Phil Thompson, a seasoned financial planner from Melbourne. The Q&A is centered around a topic that's crucial but often overlooked - personal insurance.
Throughout the discussion, they navigate the four cornerstones of personal insurance: life insurance, income protection insurance, total and permanent disability (TPD) insurance, and trauma insurance. With Phil's in-depth knowledge, listeners are offered a deep understanding of the purpose and benefits of each type of insurance.
Phil highlights the critical role of sufficient coverage in protecting not just oneself...2023-07-2613 min
You Have My Interest - Getting Personal With Property FinanceGuest - The Importance of Personal Insurance with Phil ThompsonIn this episode, hosts Maddie and Evelyn interview Phil Thompson, a financial planner based in Melbourne, to discuss the importance of personal insurance.
They explore the four main types of personal insurance: life insurance, income protection insurance, total and permanent disability (TPD) insurance, and trauma insurance.
Phil provides insights into the purpose and benefits of each type, emphasising the significance of adequate coverage to safeguard oneself and loved ones financially.
The conversation also covers factors to consider when choosing personal insurance, such as age, health, occupation, dependents, and financial goals.
Listeners...2023-07-2048 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Health & Education Industry; LMI Waivers & More!In this episode, Evelyn and Maddie discussed various policies available for medical professionals to obtain finance, including lenders mortgage insurance waivers, income policies, and self-employed policies.
The eligibility criteria for these policies have expanded recently to include a wider range of medical professionals, including those in the healthcare and education industries. Medical professionals may also be eligible for higher lending amounts, up to $5-7 million with some lenders, compared to the usual $3 million lending cap on any one property.
Evelyn and Maddie also discuss the benefits of buying a property with a lower deposit and...2023-07-1331 min
You Have My Interest - Getting Personal With Property FinanceFinance Files – How Working in the Medico Sector Can Help YouDo you work in a medical field and are wanting to purchase property?
In this Finance Files episode, Maddie takes you through a client’s journey on purchasing their second investment property by using equity from their first, and how working in the medico sector has helped her get there faster.
We go through her financial scenario in full, so you can see if this relates to you!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage an...2023-07-0510 min
You Have My Interest - Getting Personal With Property FinanceGuest - It’s Tax Time! Investment Properties and Business with Accountant Ash RossIn this episode, Maddie and Evelyn chat with accountant Ash Ross to uncover valuable insights and expert advice on maximising tax benefits, navigating what to claim as a property investor, and optimising your financial strategies.
Whether you're a business owner, investor, or simply interested in the intricacies of tax planning, this episode will provide you with actionable tips and clear explanations.
We explore a range of key topics related to business tax and investment properties. We dive into strategies for maximising tax benefits, providing practical tips on reducing tax liabilities and identifying deductions. We also...2023-06-2951 min
You Have My Interest - Getting Personal With Property FinanceGuest – Where To Go When The Bank Says No with Sean DriscollIn this episode, Evelyn and Maddie are joined by our Liberty Business Development Manager Sean Driscoll to delve into the world of non-conforming mortgages, exploring the options available for borrowers who don't fit the traditional lending criteria.
We shed light on the intricacies of this often misunderstood sector, helping you understand how these non-bank lenders can be a game-changer for those in unique financial situations.
Join us as we discuss the benefits and challenges associated with non-conforming mortgages, from self-employed individuals with irregular income to borrowers with less-than-perfect credit histories. We unravel the criteria that...2023-06-2129 min
You Have My Interest - Getting Personal With Property FinanceQ&A – Your Self Employed Scenarios AnsweredJoin Maddie and Evelyn as they answer your questions surrounding your self-employed income and scenarios.
We start off talking about how long you can use 2022 financials for servicing or if your profits are trending down. We also go through your options if you’ve transitioned from PAYG into sole trader income and how a bank views this when you apply for a home loan. We also talk about what documents you need to provide for an application what this looks like if your work is contract based, and how tax works being self-employed. We have a few qu...2023-06-1414 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive – Self Employed Policies ExplainedIn this episode, Evelyn and Maddie talk about the intricacies of self-employed lending policies and what this could mean for you.
We unpack the opportunities faced by sole traders and companies in the mortgage lending landscape. From deciphering income verification methods to understanding documentation requirements, we provide valuable insights to help you navigate what’s needed to get a loan!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to...2023-06-0739 min
You Have My Interest - Getting Personal With Property FinanceFinance Files – Purchasing a Property as An ExpatAre you an Australian wanting to purchase a property at home while living overseas?
In this Finance Files episode, Maddie takes you through how their expat clients purchased an investment property in South Australia.
We go through specific lender policies that are important to note with foreign income, and which banks are the best for these requirements.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to...2023-05-3108 min
You Have My Interest - Getting Personal With Property FinanceGuest – Navigating Asset Finance in the Lead Up to EOFY with Will HamerIn this episode, we learn all about asset finance with Will Hamer from Hamer Finance, who shares valuable insights and strategies for leveraging assets to achieve financial success.
We explore the fundamentals of asset finance, its role in preserving capital and optimising cash flow for individuals and companies, and the crucial role of asset finance brokers in connecting clients with suitable lenders.
Will shares his wealth of knowledge in deal structuring, term negotiation, and the art of securing the best financing options for clients.
Whether you're a business owner seeking growth or an...2023-05-2447 min
You Have My Interest - Getting Personal With Property FinanceQ & A – Buyer’s Agents: Commissions, Growth vs Yield, Time to Buy, Regional vs Metro and More!In this episode, we answer your burning questions with Buyer’s Advocate Aife Horsley, diving into the world of buyer's agents and exploring a range of key aspects related to their role.
We start off by examining the trade-off between capital growth and rental yield when selecting a property, and what’s best for your long-term goals. We also delve into commission structures and how buyer's and vendor’s agents are compensated, shedding light on the implications for their clients. Furthermore, we compare the advantages and disadvantages of buying in regional areas versus metropolitan areas, considering factors such as...2023-05-1718 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive – Home Buyer Grants, Schemes, and Concessions ExplainedIn this episode, Evelyn and Maddie dive into the world of grants, schemes, and concessions which can significantly assist homebuyers in Australia. We guide you through the complexities help you make informed decisions on your path to homeownership.
We start by understanding the basics of what they are and how they differ. There have been updates to some of the schemes last week, so we’ll take you through what’s changed. We explore the eligibility criteria and discuss state-specific variations and recent updates to the grants, schemes and concessions across different states & territories.
One of t...2023-05-1039 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - From Homeowner to Investor: How Our Clients Used Equity to Build a Profitable Investment Property PortfolioIn this episode, Maddie takes you through a quick property world update and then dive into the episode centred around our clients who used equity in their home to invest in a profitable real estate portfolio.
You'll learn from their experience and gain expert advice on how you can use equity withdrawal to build wealth through real estate investment.
Don't miss this episode if you're looking to take your first steps into property investment!
Find out your next step in property finance:
You Have My Interest is brought to you by...2023-05-0317 min
You Have My Interest - Getting Personal With Property FinanceGuest - How to Buy a Property That Will Stand the Test of Time with Aife HorsleyIn this episode, Evelyn and Maddie sit down with buyer and vendor advocate Aife Horsley from Raveche Property Group to learn more about how buyer’s advocates can benefit homebuyers.
A buyer's advocate is a professional who works solely on behalf of the buyer during the home buying process. They can help buyers navigate the complicated real estate market, source un-advertised properties, negotiate with sellers, and ensure that buyers get the best deal possible.
We discuss the specific ways in which a buyer's advocate can save buyers time, money, and stress during the home buying proce...2023-04-2637 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Unlocking the Benefits of Equity in Your PropertyOn this episode, Evelyn and Maddie explore the benefits of using equity in your property and how it can be a powerful tool in building wealth and securing your financial future.
First, we discuss what equity is and how it's calculated. We also talk about the difference between personal-purpose equity and investment-purpose equity, and why understanding this distinction is important.
Next, we dive into the various ways you can use equity to your advantage. We discuss how equity can be used to fund renovations, pay off high-interest debt, invest in other properties, or even start a...2023-04-1947 min
You Have My Interest - Getting Personal With Property FinanceFinance Files – Have a Business and Pay Yourself a Wage? Use This to Buy Your Next PropertyProperty finance can be tricky if you're a business owner! In this episode of Finance Files, Maddie shares an important case study with important lessons and insights if you own a business and pay yourself a wage.
Enjoy!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at...2023-04-1312 min
You Have My Interest - Getting Personal With Property FinanceQ&A – Everything You Need to Know About Bank ValuationsBank valuations are a key part of the property finance process for home owners and investors, so it is crucial to know everything you can about how bank valuations work and what it will take to maximise your opportunity.
Maddie asks Evelyn all of the most important questions on the topic.
Tune in!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions...2023-04-0523 min
You Have My Interest - Getting Personal With Property FinanceGuest - Finding Market Opportunities & Leaning into Disruption with Ruben GarciaUS real estate influencer Ruben Garcia joins the podcast to shift your mindset about what's really possible in property.
Ruben is a real estate agent, coach, consultant and investor based on the US east coast. He's had huge success in sales and business development and is now focused on giving away all of his secrets and strategies.
There's many key lessons for Australians who are used to following a 'tried and true', longer-term approach to property investment.
Ruben has switched modes to the short-term market and is seeing an instant pay off. He...2023-03-2944 min
You Have My Interest - Getting Personal With Property FinanceQ&A – Pre Approvals – Timing, Credit Scoring, HECS Debt & More!Continuing on from our previous episode's Deep Dive on Pre Approvals, Maddie hits Evelyn with the big questions on the topic including:
- How important are Pre Approvals?
- How long is a Pre Approval valid for?
- When should you apply for a Pre Approval?
- Do Pre Approvals impact your credit score?
- Should you pay out your HECS debt before applying for a Pre Approval?
Enjoy!
Find out your next step in property...2023-03-2217 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - Do You Need a Pre Approval?Most people get a pre approval on their loan because they don’t know how much they can borrow, but in this Deep Dive episode Evelyn and Maddie talk about other reasons why it can be so critical to ensure you are fully assessed by a bank BEFORE you buy.
This episode covers:
- What a pre approval is and how the bank assesses this
- The missing puzzle piece in a pre approval to go to formal approval
- Who pre approvals are critical for vs when is it not as...2023-03-1537 min
You Have My Interest - Getting Personal With Property FinanceFinance Files – How to Get the Most Out of Refinancing, Getting A Lower Interest Rate With Your Current Lender and Withdrawing EquityIn this Finance Files episode, Maddie unpacks an investor client story to reveal the benefits of talking to your current lender – including how to reduce your current interest rate, the benefits of rate lock, and how we withdraw equity.
Tune in and let us know if you have any questions!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Fi...2023-03-0819 min
You Have My Interest - Getting Personal With Property FinanceGuest - How to Win at Auction with Award Winning Auctioneer Andy ReidAuctions have become increasingly popular for property sellers, so it is essential for buyers to get equipped with strategies for success. But it is easier said than done - auctions are high pressure and intimidating, especially for those who lack experience. So to help you navigate the tricky world of auctions, we've brought in auctioneer Andy Reid.
Andy was named Australian Auctioneer Of The Year 2022 by Real Estate Business, and is one of only 18 Master Auctioneers at the REIV. Andy is a master at inspiring action, with plenty of insights for buyers and sellers alike.
Fin...2023-03-0159 min
You Have My Interest - Getting Personal With Property FinanceQ & A - Borrowing Capacity - HECS, Rentvesting & More!In this Q & A episode, Maddie hits Evelyn with the big and common questions around borrowing capacity, with some important answers for anyone who has goals and aspirations as a home buyer, owner or investor.
Tune in!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find out more and book in your free initial consultation at
h...2023-02-2216 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - How Borrowing Capacity Is Impacted By RatesEvery Australian borrower has been feeling the financial pinch with rising interest rates. But if you've had plans to buy another home or investment property, or refinance, your borrowing capacity has been impacted too.
In this episode, Evelyn and Maddie sit down to unpack the ins and outs of borrowing capacity and the impact of interest rates, and what you can do about it.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of e...2023-02-1536 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - How the FHG Scheme Helped This Couple Stop Renting & Buy Their First HomeIn this 'finance files' episode, host Maddie unpacks the story of a couple who was able to use the First Home Guarantee (FHG) Scheme to borrow up to $600,000, without needing to come up with a lot of up front cash for a deposit.
Based on seven set questions, this regular 'Finance Files' segment reveals the real client stories, including their property goals and the financials, so you can know their position and learn from their experience.
Get the notes and details from this episode on Maddie's Instagram and read up on the First Home Guarantee h...2023-02-0814 min
You Have My Interest - Getting Personal With Property FinanceGuest - Inside the Mind of a Buyer's Advocate with Emily WallaceAustralian property can be a tough place for would-be buyers, but there are few people who know how to navigate it better than Emily Wallace.
Emily is one of Melbourne's top buyer's advocates, co-host of the My Millennial Property podcast and founder of EW Education and The Buying Coach.
She joined Evelyn and Maddie to take you inside the mind of a buyer's advocate, so you can understand what it takes to successfully buy your ideal property, the right way, along with many other tips, tricks and insights.
Connect with Emily: https://www.em...2023-02-0139 min
You Have My Interest - Getting Personal With Property FinanceQ & A - What's the Best Product For You?In the world of property finance there are thousands of loan products, many home loan types and various terminologies. How do you make sense of it all, let alone narrow it all down to find the best option for your circumstances and strategy?
In this episode, Evelyn and Maddie cover off all the important questions.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions...2023-01-2515 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - How to Prepare for Your Fixed Rate ExpiryThe cliff is approaching! 75% of all loans issued in Australia in 2020 were fixed rates, and many of these borrowers will be coming off these deals in 2023.
If you find yourself in this situation, what should you expect, how can you prepare and how do you work out your next move in property finance?
In this episode, Evelyn and Maddie cover all the ins and outs around your fixed rate expiry to help you get ready.
Calculator links
Loan repayment
Extra repayment
Find out your next step in pr...2023-01-1845 min
You Have My Interest - Getting Personal With Property FinanceFinance Files - Maddie's Refinance and an Unexpected $8,000In our first 'finance files' episode, host Maddie unpacks all the details of her own recent refinancing story, including her goals, the key numbers and the outcome.
Based on seven set questions, this regular 'Finance Files' segment reveals the real client stories, including their property goals and the financials, so you can know their position and learn from their experience.
Get the notes and full financial breakdown on Maddie's Instagram.
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and fi...2023-01-1108 min
You Have My Interest - Getting Personal With Property FinanceGuest - Eliza Owen on the Future of the MarketIt has been wild times in Australian property over the last few years. We've had prices at record highs, 'interesting' interest rates and plenty of doom and gloom headlines in the mainstream media.
So where is Australian property heading, and what does it mean for home owners and investors?
To unpack the detail, Evelyn and Maddie talk to Eliza Owen, Head Of Australian Research at CoreLogic and one of Australia's top property analysts.
Don't miss this insightful chat.
Find out your next step in property finance:
You Have My In...2023-01-0448 min
You Have My Interest - Getting Personal With Property FinanceQ&A - Everything You've Wanted to Ask a BrokerAfter kicking off the show last episode introducing what You Have My Interest is all about, as well as the ins and outs of mortgage broking, Maddie now gets straight to business - grilling co-host Evelyn with some saucy questions on finance, property, investing and much more.
Tune in!
Find out your next step in property finance:
You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals. Find o...2022-12-2820 min
You Have My Interest - Getting Personal With Property FinanceDeep Dive - What is a Mortgage Broker?Welcome to You Have My Interest!
As we kick off the show, hosts Evelyn and Maddie reveal what you can expect. They talk about their pathways in to property and finance broking, and why education is so important (which is the whole purpose of this podcast!).
The duo also chat about the benefits of brokers, the property finance process, tips on interest rates, dealing with lenders and much more.
There's plenty more great content to come ... so make sure you subscribe now on your favourite podcast player so you don't miss a thing.2022-12-2031 min