Shows
The First Home Buyers ProgramEpisode 118: Help to Buy Scheme Australia Explained | Can It Help First Home Buyers Enter the Property Market?Buying your first home can feel overwhelming, especially when saving a deposit feels like the hardest part. In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott from 360 Mortgage Solutions explains the Help to Buy Scheme in Australia and how it may help first home buyers enter the property market sooner.The Help to Buy Scheme is a shared equity program where the government contributes a percentage of the purchase price of your home. This can reduce the amount you need to borrow and lower the deposit required to buy your first property. But...
2026-03-0510 minThe First Home Buyers ProgramEpisode 116: The Truth About Buying Your First Home (And the Mistakes No One Warns You About)Buying your first home can feel overwhelming — confusing advice, bank jargon, and fear of making the wrong decision often stop first home buyers from taking action. In this episode of The First Home Buyers Program Podcast, we break down the most common mistakes first home buyers make and explain how the right education and strategy can save you thousands (and a whole lot of stress). If you’re thinking about buying your first home now or in the future, this episode will help you feel clearer, calmer, and more confident about your next steps. 🏡 What You’ll Learn in This Episode...
2026-02-0606 minThe First Home Buyers ProgramEpisode 114 - 3 Real Client Scenarios: How We Helped Buyers Get Approved With Low Borrowing CapacityIn today’s episode, Maryanne shares three real-life stories from the last few weeks where clients were struggling with low borrowing capacity — and how strategic planning, smart restructuring, and thinking outside the box helped them move from “I don’t think I can buy yet” to “We’re officially homeowners!” If you’ve been told your borrowing capacity isn’t enough, this episode will help you see that you still have options — and that the dream might be closer than you think. ⭐ What You’ll Learn in This Episode: 1. How clearing debt can completely change borrowing capacity Maryanne walks through a recent scenario where a...
2025-11-1406 minThe First Home Buyers ProgramEpisode 113 - What Really Happens on Settlement Day: A First Home Buyer’s Guide📄 Show Notes: Settlement day can be one of the most exciting—and nerve-wracking—parts of the home buying journey, especially for first home buyers who have no idea what to expect. In this episode, Marianne Elliott from 360 Mortgage Solutions breaks down what actually happens on settlement day, what you really need to do (spoiler alert: it’s less than you think), and how to avoid common mistakes that can cause unnecessary delays or stress. Whether you're days away from settlement or just starting your property journey, this episode is packed with helpful, real-world advice that will give you peace of mind and...
2025-11-0707 minThe First Home Buyers ProgramEpisode 111 - Choose Your Hard - and Start Preparing Now🏡 Episode Description Feeling like buying your first home is just too hard? You’re not alone.In this episode of The First Home Buyer Program Podcast, Maryanne Elliott, mortgage broker and educator, breaks down the biggest barrier most first-time buyers face — their mindset. Maryanne explains why the property market feels tougher than ever, what “choosing your hard” really means, and how you can start preparing right now even if you’re not ready to buy yet.You’ll learn practical steps to build confidence, save your deposit, and understand what lenders look for — so when the time comes, you’re fully prep...
2025-10-1005 minThe First Home Buyers ProgramEpisode 105 - 3 Ways to Get Ahead This Spring SeasonThe spring season in Brisbane South is one of the busiest times in the property market with more homes for sale, more buyers at open homes, and more competition for the perfect property. In this episode of The First Home Buyers Program Podcast, Maryanne Elliott from 360 Mortgage Solutions shares three simple but powerful steps you can take now to prepare for the spring rush and give yourself the best chance of securing your dream home.You’ll learn:✅ How to work out your deposit or equity position before you start house hunting.✅ Why checking your eligibility for governm...
2025-08-1505 minThe First Home Buyers ProgramEpisode 104 - My Top 5 Tips for Catching Up as a First Home BuyerEpisode Title: Feeling Left Behind? Here’s How to Catch Up (Even If You’re Starting from Scratch)Summary: If you're feeling like everyone else is ahead in the property game, you're not alone — and you're not too late. In this episode, Maryanne shares the five most practical ways to “catch up” as a first home buyer, without feeling overwhelmed or defeated. In This Episode You’ll Learn:Why "being behind" is just a mindset trapHow to assess where you're really at (without shame)What deposit you actually need (spoiler: it’s probably less than you think)Grants and support yo...
2025-08-0807 minThe First Home Buyers ProgramEpisode 103 - HECS Slashed + More Borrowing Power: Why First Home Buyers Are Winning Right Now🎧 Episode Summary: In this episode of the First Home Buyers Program Podcast, we’re breaking down one of the biggest wins for first home buyers in years. You’ll learn: ✅ Why the government’s 20% HECS indexation reduction could put thousands back in your pocket✅ How banks are changing the way they assess HECS debt, making it easier to qualify for a loan✅ What this means for your borrowing power and first home timeline✅ And how to take advantage of this moment with a huge discount on the First Home Buyers Program – now just $22 for a limited time 🎁 Limited-Time Offer – J...
2025-08-0106 minThe First Home Buyers ProgramEpisode 102 - Feel Like You’re Falling Behind? Here’s How to Start Your Home Buying JourneyPodcast: The First Home Buyers ProgramHost: Maryanne ElliottEpisode Length: 5 minutes🔑 Episode Summary: Do you feel like everyone around you is buying homes… and you’re stuck wondering if you’ve missed your chance? You’re not alone—and you’re not behind. In this episode, Maryanne breaks down what to do right now to start your first home buying journey, even if you haven’t saved a cent yet. She shares practical tips, common mistakes to avoid, and the truth behind what most people get wrong when they delay getting advice. If you’re ready to stop feeli...
2025-07-2505 minThe First Home Buyers ProgramEpisode 99 - The Hidden Costs of Buying: What No One Tells YouDescription: In this eye-opening episode of The First Home Owners Program Podcast, host Maryanne Elliott reveals the often-overlooked costs of buying your first property. Learn why your deposit is just the beginning and how working with a mortgage broker can help you budget accurately for your entire home buying journey.Key Points:The major upfront costs beyond your deposit that first home buyers frequently underestimatePost-settlement expenses that can strain your budget if not properly planned forHow mortgage brokers provide comprehensive cost estimates tailored to your specific situationReal-life example of how proper cost planning prevented financial stress for first-time buyersQueensland-specific information...
2025-06-1206 minThe First Home Buyers ProgramEpisode 98 - Conquering Property Market FearOvercoming First Home Buyer Fear: Your Guide to Taking the Property PlungeDescription: In this episode of The First Home Buyers Program, host Maryanne Elliott tackles the biggest obstacle preventing potential homeowners from entering the market – fear. Drawing on her 20+ years of experience in the finance industry, Maryanne provides practical strategies to overcome the anxiety of making your first property purchase.Key Points:The three most common fears first home buyers face and why they're holding you backThe hidden financial cost of waiting for the "perfect time" to enter the marketPractical strategies to build confidence in your home buying journeyReal success st...
2025-06-0604 minThe First Home Buyers ProgramEpisode 94 - All Things Property with Chris Liu – Part 2We’re back with Part 2 of our conversation with Chris Liu from Chris Liu Real Estate, and this episode is all about strategy for first home buyers. In this follow-up chat, we go deeper into the practical side of buying your first home—from making a strong offer to dealing with real estate agents and knowing what happens after your offer is accepted. If you’re serious about buying property and want to go in prepared, this episode is packed with must-know tips that can make the whole process smoother and less stressful. 👉 What you’ll learn in this episode:How to make...
2025-05-0912 minThe First Home Buyers ProgramEpisode 93 - All Things Property with Chris Liu – Part 1In this episode of The First Home Buyer Program Podcast, we sit down with Chris Liu from Chris Liu Real Estate to talk all things property—specifically through the lens of first home buyers. Chris shares his expert insights into the current Australian property market, what first home buyers should be paying attention to, and how to spot a good opportunity when it comes your way. We also unpack some of the most common myths and misconceptions holding buyers back. Whether you're just starting out or thinking about making your first move, this episode is full of tips to help yo...
2025-05-0211 minThe First Home Buyers ProgramEpisode 92 - The Money Mindset Shift That Will Help You Save FasterDescription:What if the biggest thing holding you back from saving for your first home… wasn’t your income or your expenses, but your mindset? In this episode, Maryanne dives into the powerful connection between your thoughts and your bank account. You’ll learn how the way you think about money directly influences your ability to save—and how a few simple shifts can help you build momentum, stay motivated, and move toward your first home faster than you thought possible. What You’ll Learn:The difference between scarcity and abundance mindsetWhy your beliefs about money can sabotage your savings ef...
2025-04-2505 minThe First Home Buyers ProgramEpisode 91 - How to actually stick to a budget (Even When Life Gets in the Way)You’ve finally created a budget that makes sense… and then life throws you a curveball. A birthday dinner, a surprise bill, a weekend away—sound familiar? In this episode, Maryanne dives into why sticking to a budget is one of the trickiest parts of saving for a home, and how you can stay on track without giving up everything you love. What You’ll Learn:Why budgets often go out the window (and it’s not your fault!)The #1 thing most people forget to include in their budgetSimple strategies to stay consistent—even when unexpected expenses pop upA personal story of how...
2025-04-1806 minThe First Home Buyers ProgramEpisode 90: The Secret to Creating a Budget That Works (Without Hating It)Description:Let’s be honest—budgeting has a bit of a bad reputation. But what if it didn’t have to feel restrictive, overwhelming, or just plain boring? In this episode, Maryanne shares a practical and super simple way to create a budget that actually works for your life (and doesn’t make you want to give up after week one). Whether you’ve tried budgeting before or you’re starting from scratch, this episode will help you build a plan that feels doable—and still leaves room for the things you love. What You’ll Learn:Why most people struggle...
2025-04-1109 minThe First Home Buyers ProgramEpisode 89 - Why saving feels so hard (and how to change that)🎙 Episode 1: Why Saving Feels So Hard (And How to Change That)The First Home Buyers Program Podcast – with Maryanne ElliottDescription:Saving for your first home deposit can feel impossible—especially when life keeps throwing expenses your way and your social feed is filled with everyone else’s holidays, dinners, and purchases. In this episode, Maryanne breaks down the real reasons saving feels so hard (hint: it's not just about money), and how you can start shifting your mindset to make saving feel achievable, even exciting. What You'll Learn:Why FOMO, unclear goals, and old money beliefs make savi...
2025-04-0410 minThe First Home Buyers ProgramEpisode 83 - How Much Deposit Do You Actually Need?📌 Episode Summary: Buying your first home?You might be wondering how much deposit you actually need to get started. In this episode, we break down the deposit requirements, how lenders assess your savings, and the different government schemes that can help you buy with as little as 5%. Key Takeaways:The difference between a 20%, 10%, and 5% depositHow Lenders Mortgage Insurance (LMI) impacts your depositGovernment schemes that help reduce your upfront costsHidden expenses you should budget for🔗 Resources Mentioned:First Home Guarantee (FHG)First Home Owner Grant (FHOG)Book a Free Mortgage Strategy Session📢 Subscribe & Follow:🎧 Subscribe on Apple Podcast...
2025-02-2105 minThe First Home Buyers ProgramEpisode 82 - How to Navigate Valentine’s Day on a Budget While Saving for a HomeCelebrate love this Valentine’s Day without breaking the bank!Discover budget-friendly ideas to enjoy the day while staying on track to buy your first home.Links: Join the First Home Buyer Mini Course: https://maryanne-elliott.mykajabi.com/joinus?_gl=1%2Aqgg7th%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIx ExploreThe First Home Buyers Program: https://maryanne-elliott.mykajabi.com/the-first-home-buyers-sales-page?_gl=1%2A1a93lwq%2A_gcl_au%2AMTgyMjgxODA5NC4xNzM1Nzk3NDIxBook a fee-free meeting with 360 Mortgage Solutions: https://360mortgagesolutions.com.au/contact-us/
2025-02-1403 minThe First Home Buyers ProgramEpisode 81 - Understanding Lenders Mortgage Insurance (LMI)Understanding Lenders Mortgage Insurance (LMI) – A Must-Know for First Home BuyersDescription: Lenders Mortgage Insurance (LMI) is often misunderstood by first home buyers. In this episode, we explain what LMI is, how much it costs, ways to avoid or reduce it, and whether it’s worth paying. If you’re looking to buy your first home, understanding LMI is crucial!What we'll cover: – Introduction to Lenders Mortgage Insurance (LMI) – What is LMI and why do lenders require it? – How much does LMI cost? – Strategies to reduce or avoid LMI – Is LMI worth paying? –...
2025-02-0705 minThe First Home Buyers ProgramEpisode 80 - Why a Fully Assessed Pre-Approval is Crucial for First Home BuyersBuying your first home is an exciting milestone, but without the right preparation, it can quickly become a stressful experience. In this episode of The First Home Buyers Program Podcast, we dive into why a fully assessed pre-approval is essential before making an offer on a property.Join Me, as we break down real-life examples of first home buyers who faced unexpected delays due to incomplete pre-approvals—and how you can avoid making the same mistakes.What You'll Learn in This Episode:✅ The difference between a basic pre-approval and a fully assessed pre-approval✅ How a govern...
2025-01-3105 minThe First Home Buyers ProgramEpisode 79 - Understanding the Two Pillars of Home Loans: Servicing and SecurityIn this episode of The First Home Buyers Program Podcast, we’re breaking down the two fundamental aspects of every home loan: servicing and security. If you’ve ever felt overwhelmed by the jargon or unsure how lenders assess your loan application, this episode is for you! We’ll explore:• Servicing: What it is, why it matters, and how your income and expenses play a crucial role.• Security: Why the property you’re buying is just as important as your financial situation.• How lenders balance these two factors when deciding whether to approve your loan.• Practical tips to...
2025-01-2405 minThe First Home Buyers ProgramEpisode 78 - Are you a first home buyer feeling overwhelmed 🤔Feeling overwhelmed by the home loan process? In this episode, I break down three simple steps to help first home buyers eliminate stress and confusion:1️⃣ Know how much deposit or equity you need.2️⃣ Speak to a mortgage broker early to plan your next steps.3️⃣ Get a fully assessed pre-approval to approach house hunting with confidence.💡 Join the waitlist for the FREE First Home Buyer Mini Course, launching this December, and get an exclusive bonus when it goes live!🔗 Waitlist Link: https://maryanne-elliott.mykajabi.com/joinusTo book a time with us at 360 Mortgage So...
2025-01-1601 minThe First Home Buyers ProgramEpisode 77 - Top 5 Mistakes First Home Buyers Make and How to Avoid ThemIn this episode of The First Home Buyers Program Podcast, we cover the Top 5 Mistakes First Home Buyers Make and How to Avoid Them.Learn why getting a fully assessed pre-approval is crucial, why going direct to your bank isn’t always the best option, and how to avoid underestimating the costs of buying your first home.Plus, we’ll explore the importance of researching government grants and getting professional advice. Don’t let these common mistakes hold you back from buying your first home.What You’ll Learn: Why a fully assessed pre-approval is a game-c...
2025-01-1004 minThe First Home Buyers ProgramEpisode 76 - Why 2025 Is the Year to Buy Your First HomeEpisode Title: Why 2025 Is the Year to Buy Your First HomeEpisode Description:Discover why 2025 is the best year to buy your first home! We dive into market trends, government incentives, and practical tools to help you take the first step toward owning your dream property. Don’t miss this episode, and don’t forget to check out our First Home Buyer Mini Course: maryanne-elliott.mykajabi.com/offers/fAnpkt78.Key Points:Stabilized property prices make 2025 ideal for first home buyers.Government grants can save you thousands.Why waiting can cost you more in the long run.Call to Action:
2025-01-1004 minThe First Home Buyers ProgramEpisode 75 - 5 Essential Steps to Prepare for Buying Your First Home in 2025 This Holiday Season🎥 Description:The holiday season isn’t just for celebrating—it’s the perfect time to prepare for your first home purchase in 2025! 🎄🏡 In this episode, we’ll walk you through five practical steps to get your finances and mindset ready for the homebuying journey.From reviewing your budget and boosting your credit score to researching lenders and setting realistic expectations for your dream home, these tips will help you kick off the new year with confidence. 💪🎯 Topics Covered:Budget Review & Savings Goals: How to use your holiday bonus and cut back on spending.Credit Score Improvement: Why your credit matters and how to enha...
2024-12-2005 minThe First Home Buyers ProgramEpisode 74 - 🏡 Why a Fully Assessed Pre-Approval is Your Secret Weapon in House Hunting 🔑Before you start your house-hunting journey, make sure you're armed with a fully assessed pre-approval! Here's why:Know Your Budget: With a pre-approval, you know exactly how much you can borrow, so you can focus on homes within your price range.Strengthen Your Offer: Sellers take you more seriously when they see you're pre-approved, giving you a competitive edge in a hot market.Faster Process: With your finances already assessed, you can move quickly when you find your dream home, reducing the risk of delays.Peace of Mind: Avoid the stress of last-minute financing issues by getting pre-approved upfront...
2024-12-1305 minThe First Home Buyers ProgramEpisode 73 - What Loan Term Should I Get for a House?In this episode of the 360 Mortgage Solutions Podcast, Maryanne Elliott dives into an essential question for homeowners: What loan term should I get for a house? Whether you’re refinancing or buying your first home, understanding how loan terms impact your finances is key to making smart decisions.Key Takeaways:The difference between short, standard, and extended loan terms.How loan terms affect your repayments and total interest costs.Strategies for choosing the right loan term based on your financial goals and lifestyle.Resources Mentioned:Book a free consultation with 360 Mortgage Solutions: https://calendly.com/360-mortgage-solutions-teamCall to Action:Don’t le...
2024-12-0606 minThe First Home Buyers ProgramEpisode 72 - Avoid These First Home Buyer Mistakes to Save Time and MoneyIn this episode, I share the two most common first home buyer mistakes I see regularly—and how to avoid them! Whether you’re house hunting without a fully assessed pre-approval or unknowingly carrying too much debt, these missteps can cost you time, money, and unnecessary stress.Tune in to hear:Why skipping a fully assessed pre-approval can derail your home-buying journey.How small debts like Afterpay and credit cards impact your borrowing power.Practical tips to set yourself up for success as a first home buyer.If you’re serious about getting into the property market, join our First...
2024-11-2105 minThe First Home Buyers ProgramEpisode 71 - Unlocking Your Future: The First Home Buyer Program to Get You in the MarketDescription:In this episode of the First Home Buyers Program Podcast, we explore the essential steps to becoming a homeowner and how the First Home Buyer Program can help you navigate the process with ease. From understanding deposit goals to government grants, this episode provides a roadmap for first-time buyers looking to step confidently into the market. Don’t forget to join the waitlist for our First Home Buyer Mini Course for an exclusive bonus when we launch in early December!Key Points:Overview of the First Home Buyer Program – making the home-buying process simpler.Key steps to get...
2024-11-2006 minThe First Home Buyers ProgramEpisode 70 - Best Mortgage Lenders for First Time BuyersDiscover the best mortgage lenders for first-time buyers. Learn tips and advice to help you find the right lender for your first home purchase.Episode Summary:In this episode of The First Home Buyers Program Podcast, we discuss the best mortgage lenders for first-time buyers and share tips to help you navigate the home buying process with confidence. Learn how to choose the right lender, what to look for in loan features, and how to find a personalized experience.Don’t miss out—join the waitlist for our First Home Buyer Mini Course, launching in early Dece...
2024-11-0704 minThe First Home Buyers ProgramEpisode 69 - First Home Buyers Tips: Essential Advice for Getting StartedAre you ready to buy your first home but feeling a bit overwhelmed by where to start? In this episode, we cover key first home buyers tips that will help you save for your deposit, navigate government grants, and get pre-approved for a home loan. Plus, you can join the waitlist for our First Home Buyer Mini Course and receive a free budget template to help with your savings goal! Sign up here: Waitlist for the First Home Buyer Mini CourseTopics Covered:Setting a clear savings goalGovernment grants and schemes for first home buyers
2024-10-3106 minThe First Home Buyers ProgramEpisode 68 - What is Lenders Mortgage Insurance (LMI) & How to Avoid It (and save thousands of dollars)In this episode, Maryanne Elliott from 360 Mortgage Solutions dives into the topic of Lenders Mortgage Insurance (LMI) and the costs it can add to your home buying journey. Learn what LMI is, how it impacts first home buyers, and, most importantly, discover strategies to avoid paying for LMI without needing a 20% deposit. Maryanne also shares insights into the government's Home Buyer Guarantee Scheme, which can save you thousands by covering your loan insurance. Stick around to hear how you can access a free mini course starting in December 2024, designed to guide you through your first home purchase with confidence.Key...
2024-10-2505 minThe First Home Buyers ProgramEpisode 67 - The Top 3 Questions First Home Buyers Ask (And The Answer to Them)In this episode of The First Home Buyers Program Podcast, we dive into the top three questions every first home buyer asks before making that big leap into the property market. How much can I borrow? What government grants am I eligible for? And what’s the home buying process from start to finish? We break down these essential questions and provide actionable tips for navigating the home buying journey. Tune in to get expert advice from [Your Name] at 360 Mortgage Solutions, and feel confident as you take your first steps toward owning your own home.SEO Keywords:First ho...
2024-10-1808 minThe First Home Buyers ProgramEpisode 66 - Understanding Lender Pre-Approval: Your First Step to HomeownershipEpisode Description:In this episode of The First Home Buyers Program Podcast, we break down one of the most crucial steps in your home buying journey: lender pre-approval. If you're a first home buyer wondering how to secure financing, this episode is for you! We’ll cover why pre-approval matters, how the process works, and when to get started. Plus, we’ll share tips on how to apply, whether directly with a lender or by working with a mortgage broker. Tune in for practical advice that can help you secure your first home faster and with more confidence.Key Take...
2024-10-1105 minThe First Home Buyers ProgramEpisode 65 - Stamp Duty ExceptionsWelcome to **The First Home Buyers Program Podcast**! This week, we're diving into the latest updates from the Queensland government on first home buyer stamp duty concessions. If you're a first-time home buyer in Queensland, you won't want to miss this episode. We'll break down the new changes, discuss how they impact your buying power, and give you practical tips to make the most of these concessions. Tune in to get the inside scoop and stay ahead in your home buying journey. Whether you're just starting your search or are about to close on your dream home, our expert insights...
2024-07-2606 minThe First Home Buyers ProgramEpisode 64 - Your Credit File - What you must knowConsumer Credit Reporting was meant to shine a light on borrowers with fantasitc credit histroy however, I am seeing more and more times it is catching First Home Buyers out. For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgagesolutions To find out more about The First Home Buyers Program check it out here - The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ Need help with budgeting, check out The Money Magnet course here - The Money Magnet - https://cour...
2024-07-2006 minThe First Home Buyers ProgramEpisode 63 - What happens after my loan approval?So you get teh call you have been wiating for.... your loan is approved! That can be such an exciting time espicially for First Home buyers but more often than not, within seconds the excitement is pushed aside and a flood of questions come thorough like 'What happens next?' In this episode I cover off on the next steps that typically happen so you can get prepared for your own home buying journey. For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tar...
2024-05-1606 minThe First Home Buyers ProgramEpisode 62 - Top 5 Tips For First Home BuyersHere are the top 5 Tips for First Home Buyers to consider when buying their First home... For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgagesolutions To find out more about The First Home Buyers Program check it out here - The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ Need help with budgeting, check out The Money Magnet course here - The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/ Want to know the top 3 common mistakes mad...
2024-05-1005 minThe First Home Buyers ProgramEpisode 61 - Budget 101The first step to budgeting is to actually look at your budget... this can be scary but it can help go a long way to seeing what expenses you can curb and where you can save a little more. To find out more about the government schemes check this episode out - https://www.spreaker.com/episode/first-home-buying-scheme--51205959 For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgagesolutions To find out more about The First Home Buyers Program check it out here -
2024-05-0106 minThe First Home Buyers ProgramEpisode 60 - Recent client experienceJust last week I had a First Home Buyer call me in a panic, she had found her home, her offer was accepted and she had just realised that the original broker she was talking to may have given her the wrong advice when he suggested a pre-approval wasn't important. To book a fee free meeting with me head to https://calendly.com/360mortgagesolutions/video-conference
2024-03-2703 minThe First Home Buyers ProgramEpisode 59- RentvestingIn this episode I explain what rentvesting is and what the pros and cons are so you can start to work out if rentvesting could be something you consider. As always, nothing in this video is advice, in fact, before you consider rentvesting I would encourage you to speak to your Broker and Accountant to get some personalised advice. If you would like to chat to me about your options, please book a free meeting with me here - https://calendly.com/360mortgagesolutions
2024-03-1505 minThe First Home Buyers ProgramEpisode 58 - Top 3 Family Guarantee QuestionsFamily Gurantee is becoming more common with the cost of homes increasing, in this weeks episode I look at what the top 3 most common questions are I get around Gurantorus wanting to use their proeprty to help First home Buyers to get inot the market... To book a time with me head to - https://calendly.com/360mortgagesolutions To find out more about The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/ Need help with budgeting, check out The Money Magnet course here - The Money Magnet - https://courses.360...
2024-03-0108 minThe First Home Buyers ProgramEpisode 57 - Bridging loansEven as a Frist Home Buyer it is still important to learn and know what loan types there are and what the pros and cons are of each. In light of this, we are talking all things Bridging loans as this is a common discussion I have with my previous First Home buyers. To find out more about The First Home Buyer Info Session check it out here - https://www.eventbrite.com.au/e/the-first-home-buyers-information-session-tickets-837086758027To find out more about The First home Buyer Program check it out here - https://courses.360mortgagesolutions...
2024-02-1606 minThe First Home Buyers ProgramEpisode 56 - Building and Pest InspectionsI always factor in for a building and pest inspection for my clients, it's so important and here's why... to make a fee free appointment you can go here - https://calendly.com/360mortgagesolutions/video-conferenceThe First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ Need help with budgeting, check out The Money Magnet course here - The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/ Want to know the top 3 common mistakes made by First Home Buyers and now to avoid them, check it out here - https://mailchi...
2024-02-0204 minThe First Home Buyers ProgramEpisode 55 - Weekly and fortnightly RepaymentsPaying weekly or fortnightly saves money right.... sometimes. I say sometimes becuase if you don't watch how the repayments are set up you could be paying the true weekly or fortnightly payment which saves you $0. Listen to this podcase espisode to find out how you can make sure you are saving on your future home loan.
2024-01-1903 minThe First Home Buyers ProgramEpisode 54 - The Home Equity Share Scheme - Pros and Cons as I see itThis week we look at the pros and cons of the new Property Share Scheme it's worth noting that is has yet to be realised but here are the pros and cons as I see them now...For a fee free meeting book here -Maryanne - https://calendly.com/360mortgagesolutionsTara - https://calendly.com/tara-360mortgagesolutionsTo find out more about The First Home Buyers Program check it out here -The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/Need help with budgeting, check...
2023-12-1306 minThe First Home Buyers ProgramEpisode 53 - QLD Government increases the First Home Owner GrantBreaking news, this is super exciting becuase from now until June 30 2025 Queensland First Home Buyers can get a grant of $30k towards their First Home. In this epesode I talk about the qualifying detials so you know if this will work for you... Here's a link to my diary if you want to chat more... https://calendly.com/360mortgagesolutions
2023-11-2003 minThe First Home Buyers ProgramEpisode 52 - Repayments - how to save money using your loan repaymentsPaying your loan weekly or fortnightly will save you money right? Wrong!Well, it could be right... it all depends on how the repaymetns are calculated and more often than not, if you leave it up to the bank to set up your repayments they will be set up so even if you are paying weekly or fortnightly you are not saving.The Money Magnet - https://courses.360mortgagesolutions.com.au/tmm/ The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ Top 3 mistakes downloadable https://mailchi.mp/1dfc0c01299f/top-3...
2023-11-0604 minThe First Home Buyers ProgramEpisode 51 - Off the planBuying off the plan comes with it's risks, this week I take you through a recent client experience as they were looking at the pros and cons to signing their dream home off the plan...
2023-10-2704 minThe First Home Buyers ProgramEpisode 50 - How long will my application take?This is such a common question and I get it... you want to know once we hit the submit button, how long before the bank gives us the green light. There is actually a whole lot more involved behind the scenes when it comes to time frames, and here's why....To find out what lender and timeframe would suit you, contact us at 360 Mortgage Solutions www.360mortgagesolutions.com.auFor a fee free meeting book here -Maryanne - https://calendly.com/360mortgagesolutionsTara - https://calendly.com/tara-360mortgagesolutionsTo find out...
2023-10-2104 minThe First Home Buyers ProgramEpisode 49 - RentvestingRecently I have been talking to a lot of First Home Buyers about rent vesting, this is when they purchase a property to rent out while still living at home with Mum and Dad or renting elsewhere. In this video I go through the pros and cons and what to be mindful of...For a fee free meeting book here - Maryanne - https://calendly.com/360mortgagesolutions Tara - https://calendly.com/tara-360mortgagesolutions To find out more about The First Home Buyers Program check it out here - The First Home Buyers Program...
2023-10-1306 minThe First Home Buyers ProgramEpisode 48 - Your Home loan term can save you or cost you...Knowing your loan term can make a huge difference in how much interest you pay, it may not seem like much but 5 years worth of interest on a $500k home loan at an interest rate of 5% is $125k so if you don't pay attention to your loan term, it can cost you almost more than a 'bit of interest' In this episode I take you through what you need to be mindful of both for existing home owners and first home buyers to try to minimise your interests over your loan term and ideally, save as much money as...
2023-09-2704 minThe First Home Buyers ProgramEpisode 47 - How to use your credit card to save interest on your home loanAlot of people know this hack - the good ol 'use your credit card to save money on your home loan' but in this episode I take you through how it works and most importanatly, how to avoid it costing you more. If you want to know more about 360 Mortgage solutions check us out here - https://360mortgagesolutions.com.au/If you want to know more about the First Home Buyers Program, check it out here - https://courses.360mortgagesolutions.com.au/tfhbp/Want to avoid the 3 most common home buying mistakes? downloand the pdf...
2023-09-0104 minThe First Home Buyers ProgramEpisode 46 - Buy now pay laterIt's really common for clients to forget some debts when apply for a home loan but it can have an adverse effect on your applicaiton if you do. One of the most common missed debts I see is BNPY (By now pay later) for example Zip pay or After pay... you can book a free online meeting here - https://calendly.com/360mortgagesolutions/video-conference
2023-08-2502 minThe First Home Buyers ProgramEpisode 45 - Fully assessed pre-approvalI am always talking about fully assessed pre-approval and the reason is, they can save so much stress and worry when you are buying your first home. To book a fee free meeting with 360 Mortgage Solutions head to - https://calendly.com/360mortgagesolutions https://calendly.com/tara-360mortgagesolutions/30min?month=2023-06To check out The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/
2023-06-0305 minThe First Home Buyers ProgramEpisode 44 - Interested Party - Your Certificate of InsuranceThere are alot of things that 'need to be done' when you are purchasing a proeprty and some of the things I ask clients to do leaves them wondering why? In this episode I take you through a really common request, the cirtificate of insurance and more specifically, the interested party portion. If you want to know more about the First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/ If you want to jump on the wait list for the First Home Buyers Info night (Brisbane South) email your best...
2023-05-1804 minThe First Home Buyers ProgramEpisode 43 - Protection - what you need to knowGoing into debt can be a daunting thing and one of the main things as a Mortgage Broker I have to (and want to) do is ensure my clients can afford their home now, and into the future. This is why, looking into your protection is a super important aspect of taking out your new loan.
2023-05-1203 minThe First Home Buyers ProgramEpisode 42 -How is a broker paidI get asked a lot by clients and potential clients what my charge is, in this video I take you through how I get paid as a Mortgage Broker and how I look at what is most important to my clients and their long term plans - rather than trying to 'fit them' into a policy or product.
2023-05-0502 minThe First Home Buyers ProgramEpisode 41 -Bidding at an AuctionI often find First Home Buyers think bidding at an auction means, if you are the highest bidder, you can then put a contract on the property for that amount subject to building and pest and finance. This is not the case and prior to going to Auction, you should be chatting with your Broker to make sure you have covered yourself and any bids you may make.
2023-04-2802 minThe First Home Buyers ProgramEpisode 40 - How does the deposit workI often get asked by clients when they sign a contract sale how the deposit works, the main concern is that they will be paying their and never get it back. This week I take you through how the deposit works and when you will get it back. If you want to hit the ground running on your first home, make sure you check out the online programe - https://courses.360mortgagesolutions.com.au/tfhbp/
2023-04-0703 minThe First Home Buyers ProgramEpisode 39 - Property ShareIt's not a common way to buyyour first home and it's not fore everyone but it is a great option if you have a friend who wants to get into the market as well and together you have enough deposit...To make a fee free appointment head to https://calendly.com/360mortgagesolutions
2023-03-3003 minThe First Home Buyers ProgramEpisode 38 - Can I buy a home with no deposit?There is a way, whilst I always encourage a home buyer to have some savings to cover extra costs family gurantaee is an option that can help you get into your #firsthome without having a depoisit. To see if this is an option for you, you can book a free Zoom here - https://calendly.com/360mortgagesolutions
2023-03-2306 minThe First Home Buyers ProgramEpisode 37 - Stamp duty costsIts such a common question, when I buy a home, does the stamp duty and other costs come from my deposit or the loan amount? The answer to this question is complex, becuase you are asking the wring question... To grab a link to The First Home Buyers Info Night email maryanne@360mortgagesolutions.com.au
2023-03-1702 minThe First Home Buyers ProgramEpisode 36 - Small change for a massive savingsYou know the saying, from little things big things grow? This week I take a look at one small change you can make to your weekly eating habits to help pur an extra $1560 in your savings account.... If you want a free copy of the budget template grab it here - To get a free copy of my budgeting template go here - Download
2023-03-1003 minThe First Home Buyers ProgramEpisode 35 - Two common questionsWho are we kidding, as first home buyers you have tons of questions, but there are some common ones we see and in this episode I talk through the two most common I have had of late... What amount should I set the pre-approval limit to?How long does a pre-approval take? Got a question? send it through to maryanne@360mortgagesolutions.com.au and I will answer it in the next episode.
2023-03-0303 minThe First Home Buyers ProgramEpisode 34 - Lenders Mortgage Insurance, what is it and how can you avoid it?Lenders Mortgage Insurance is, at times, a necessary evil. In this video I take you through what it is and more importantly, how you can avoid paying it... saving yourself thousands of dollarshttps://youtu.be/arRNzNryK6I
2023-02-2404 minThe First Home Buyers ProgramEpisode 33 - Budget tips from the guru Jackie Matjasec InterviewIf you want to learn more from Jackie MatjasecThe Simple Budgethttps://thesimplebudget.com.au/0435 120 902jackie.thesimplebudget@gmail.com
2023-02-1308 minThe First Home Buyers ProgramEpisode 32 - Your living expenses and what you need to know...There is a lot of talk around living expenses and how to declare them to the bank or lender and in this video I talk you through why the banks have living expenses (spoiler alert, it's to protect you) and what you should do if your living expenses are a little high and you are worried about it.To get a free budget template go here - http://eepurl.com/cDcltf
2023-02-0804 minThe First Home Buyers ProgramEpisode 31 - First Home Buyers Info NightThe most common thing I hear from First Home Buyers is, 'I don't know where to start' so to start the year off with a bang, I have organised industry experts to come along to an informal information session to share their top tips for First Home buyers and answer all your questions.To find out more head to - https://www.eventbrite.com.au/e/first-home-buyers-seminar-tickets-499082096987If you're not local but want to know more, check out The First Home Buyers Program here - https://courses.360mortgagesolutions.com.au/tfhbp/To book an...
2023-01-1402 minThe First Home Buyers ProgramEpisode 30 - One tip this silly seasonI know Christmas is a crazy time of year and sometimes your budget can get away from you but if I have one piece of advice for First Home Buyers at this time it is to check your spending. Use the downtime to look over your spending habits suring 2022 and make some changes that your future self will thank you for.If you want some more help to smash your financial goals in 2023 then check out my online course https://courses.360mortgagesolutions.com.au/tmm/
2022-12-1604 minThe First Home Buyers ProgramEpisode 29 - Signing loan documentsThere have been some changes to banks and how they issue loan documents, check out this week's episode to hear how the changes are working for the better
2022-12-0903 minThe First Home Buyers ProgramEpisode 28 - Settlement Day - What you need to knowThis week we look at settlement day and the top three things you need to know to make sure your settlement day is as stress free as possible. If you want more help with your deposit or getting into the market make sure you check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ If you want to bypass the pre learning and speak to me about your individual situation, please book a fee free meeting with me here - https://calendly.com/360mortgagesolutions
2022-12-0204 minThe First Home Buyers ProgramEpisode 27 - First Home Buyers biggest mistakeWorking in the industry there are often common mistakes I see First Home Buyer's make that can sometime mean they are costing themselves more money or more time out of the market. So what is the most common mistake, check it out in this weeks episode.Want to get the free - Three most common (and costly) mistakes First Home Buyers make? download it here https://mailchi.mp/1dfc0c01299f/top-3-mistakes
2022-11-1804 minThe First Home Buyers ProgramEpisode 26 - What you need to know about credit cards,For a lot of people, a credit card is a normal, everyday part of life but what so many people don’t know (and what the banks don’t want you to know) is using your credit card can at times put you further and further behind financially, and, it could also be impacting your borrowing power! Check out this weeks video where I take you through what you need to know if you have a credit card (or before you get one) to make sure you are saving money. To book a fee free appointment with me chec...
2022-11-1006 minThe First Home Buyers ProgramEpisode 25 - Can I get a loan with Casual Employment?Many clients tell me they do not qualify for a mortgage because they have casual employment, but the truth is not all lenders are the same with the same policies. If you want to chat more about your options, you can make a fee-free zoom appointment with me here - https://calendly.com/360mortgagesolutions/video-conferenceInterested in the Free Budgeting template? make sure you check it out here -https://mailchi.mp/063010ee66e7/budgeting-template
2022-11-0403 minThe First Home Buyers ProgramEpisode 24 - How much deposit do I needhttps://youtu.be/v_wT4BUH08YI get asked by so many Frist Home Buyers what deposit they need to get into their first home, and to be honest, there are so many options it really depends. This week I take you through the different options that work for Frist Home Buyers so you can see what might work for you. If you want more help with your deposit or getting into the market, make sure you check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/ If you want to...
2022-10-1406 minThe First Home Buyers ProgramEpisode 23 - Top 3 First Home Buying MistakesIn this episode I take you through the top 3 mistakes I see First Home Buyers make and how you can avoid them...To get a free copy of your credit file head to https://www.equifax.com.au/personal/productsIf you want to chat more about your options you can book a time with me here - https://calendly.com/360mortgagesolutionsIf you want to get a step by step guide to help you on your home buying journey check out The First Home Buyers Program - https://courses.360mortgagesolutions.com.au/tfhbp/
2022-09-2905 minThe First Home Buyers ProgramEpisode 22 - First Home Buying SchemeYou can find out more about the scheme here - https://www.nhfic.gov.au/what-we-do/s...If you want to know more you can book a free meeting with me here - https://calendly.com/360mortgagesolut...If you want to know more about the First Home Buyers Program head here - https://courses.360mortgagesolutions....
2022-09-1005 minThe First Home Buyers ProgramEpisode 21 - Property ReportsNeed a little help in the house hunting department? I often get First Home Buyers asking me what they should offer on properties and the truth is, it really depends! The best advice I can (and do) give is to look at the Property Report and use the information within it to guide you. Want to know more about how to get into the market in the next 3 months, book a free zoom with me here - https://calendly.com/360mortgagesolutions/video-conferenceWant to break into the market a little later? Check...
2022-09-0306 minThe First Home Buyers ProgramEpisode 20 - Saving money while the cost of living is increasingThis week I talk about how, in the current market with inflation on the rise, you can plan and prepare to ensure you are still saving money. To grab your FREE copy go here - http://eepurl.com/cDcltfTo find out more about The First Home Buyers Program click here - https://courses.360mortgagesolutions....To find out more about 360 Mortgage Solutions head to our website - https://360mortgagesolutions.com.au/To book a fee free meeting book directly into my calendar here - https://calendly.com/360mortgagesolut...
2022-07-1504 minThe First Home Buyers ProgramEpisode 19 - Issues with your building and pest report?This week I take you through what options you have as a home buyer when your building and pest report comes back with issues. To find out more about 360 Mortgage Solutions head to our website - https://360mortgagesolutions.com.au/To book a fee free meeting book directly into my calendar here - https://calendly.com/360mortgagesolutionsTo find out more about The First Home Buyers Program click here - https://courses.360mortgagesolutions.com.au/tfhbp/
2022-07-0806 minThe First Home Buyers ProgramEpisode 18 - What is covered in a meetingIn this episode I take you through the agenda I cover when meeting with my First Home Buyers. To get a copy of your FREE Home Buying Journey quiz head to https://mailchi.mp/ec40ac0739cb/homeb... To find out more about The First Home Buyers Program head to https://courses.360mortgagesolutions....To book an appointment with me to find out more head to https://calendly.com/360mortgagesolut...
2022-06-2906 minThe First Home Buyers ProgramEpisode 17 - Should you consider Fixed or VariableOne of the hardest decisions for a first home buyer (or any home owner with a mortgage) is should you go Fixed or Variable and with the market on the way up now is as important as ever to understand the difference and consider how to make the right decision for you. To find out more about The First Home Buyers Program head to - https://courses.360mortgagesolutions.com.au/tfhbp/If you want a FREE copy of the Fixed Vs Variable spreadsheet email - maryanne@360mortgagesolutions.com.auIf you want to talk more about your...
2022-05-2010 minThe First Home Buyers ProgramEpisode 16 - The Six P's to your home buying journeyIn this episode I talk about the importance of the 6 P's, (prior preparation prevents piss poor performance) I share a recent client scenario where the clients preparation made her Home Buying Journey a stress free, successful one, and if you listen to the end, I have a special for you. To check out The First Home Buyers Program go here - https://courses.360mortgagesolutions.com.au/tfhbp/
2021-09-1010 minThe First Home Buyers ProgramEpisode 15 - Check Your Credit FileWant to get a copy of your credit file? You can get a free copy each year from here... https://www.equifax.com.au/personal/
2021-07-0706 min2021-06-2807 minThe First Home Buyers ProgramEpisode 13 - Government GrantsIn this episode I talk about the Government Grants and how they can help you...
2021-06-1405 min
The First Home Buyers ProgramEpisode 12 - 3 Tips To Save Money This ChristmasEveryone knows the silly season can be a challenge, and one of the biggest challenges for people is keeping on top of their finances over Christmas. In this Podcast I share my top 3 tips to save money and stay on budget this year. If you would like to know more about budgeting and The Money Magnet then check it out here.If you would like to get into your first home in 2021 them make sure you check out The First Home Buyers Program here.
2020-11-2904 minThe First Home Buyers ProgramEpisode 11 - The $25,000 Homebuilder Grant and your DepositThe $25,000.00 homebuilder grant was a post Covid grant founded by the Australian Government to help stimulate the property market, specifically the building industry and therefore the economy.The $25k is a welcome grant for both First home buyers and existing buyers but there seems to be a slight issue when it comes to First home buyers and how they can use these funds.The other First Home Buyer grants are, or can be, controlled by the Banks and lenders. This means, the bank can apply for the grant, collect the grant and forward the grant funds...
2020-09-0205 minThe First Home Buyers ProgramEpisode 10 - Superannuation withdrawals due to Covid 19If you're thinking about, or have taken funds from your Superannuation as a result of COVID 19 then this is how the majority of banks and lenders view it...If you want to know more about getting into your own home you can book a FREE appoitment with me here - https://calendly.com/360mortgagesolutionsOr send me your question here - https://360mortgagesolutions.com.au/contact-us/
2020-08-0103 minThe First Home Buyers ProgramEpisode 9 - Are you stuck in the Credit Card Cycle?I remember when I first got my credit card approved, I had just started working for a major bank as a part time bank teller and the approval letter came in the mail with a $10k limit.I couldn't believe my luck, not only was I approved but to have access to that kind or limit was incredible... until my Branch Manager Leanne dragged me into her office to lower the limit instantly to a measly $2k.At the time I didn't really understand why she was shocked and worked up about a $10k limit... the bank had...
2020-04-3005 minThe First Home Buyers ProgramEpisode 8 - The 4 steps to setting a Budget that actually worksLink to Pre-register: https://mailchi.mp/d7d110fee0cb/watpimnWe all know the importance of setting a budget, whether you're saving for a specific goal or just want to get into a good saving pattern for your future there's never a bad time to set a budget.The hardest part of setting a budget is knowing what to do, how to do it and what to do once you set a budget.In this blog post I break down Budgeting into 4 easy steps, 1. Set your Goal. 2. Gather your current data, 3. Pick your Budgeting Technique...
2020-02-1807 minThe First Home Buyers ProgramEpisode 7 - What First home Buyers Need To Know When They Are Renting Whilst House Hunting...I get asked by First Home Buyers so many questions about renting and how/when to let your Landlord know you're buying a home, what happens if you are in the middle of your lease and much more. In this episode I talk to Kristin from Street Ninety Nine about what she recommends her tenants do to make sure everyone is happy and you make the transition from renting to owning as simple (and cost effective) as possible. To find out more about your borrowing power book a one on one phone call with me here: https://360...
2020-02-1407 minThe First Home Buyers ProgramEpisode 6 - 'First Home Buyers are not prepared' advice for First Home Buyers direct form The Bank.In this episode I talk to Sam who has worked in the Finance industry for years, the majority of those years has been with one of Australia's largest Banks Commonwealth Bank. Sam shares with us the most common hurdle she sees in First Home Buyer Applications and what you can do to prepare yourself for your big purchase. Don't forget, The First Home Buyer Program is now live and you can get access here https://360-mortgage-solutions.teachable.com/p/the-first-home-buyer-s-program
2020-01-2904 minThe First Home Buyers ProgramEpisode 5 - The 4 proven steps to guarantee you're buyer ready in 2020?You can find out more about The First Home Buyers Program here: https://360-mortgage-solutions.teachable.com/This episode we look at the 4 proven steps to guarantee you're buyer ready in 2020, With all the First Home Buyers I meet, there is a common theme. The theme is, they have spent the last few months (and sometimes years) doing 'How much can I borrow' calculators, they have spent time working though different blogs to learn what deposit they need and they even consult with family and friends to get an idea of what to do when. However, despite...
2019-12-0407 minThe First Home Buyers ProgramEpisode 4 - How First Home Buyers could be risking thousands of dollars on their First home purchaseOn this episode I met with Les from Resi Inspections to talk about Build and Pest inspections and why they are so important when buying your home.
2019-10-2111 minThe First Home Buyers ProgramEpisode 3 - 3 Killer Hacks to get you 'Buyer Ready in 2020'If you want to be Buyer Ready in 2020 them this is the Podcast to listen to!I was so excited when the amazing Therese O'Neill ( https://www.instagram.com/therese_adviser.mentor/ ) agreed to come on this episode of The First Home Buyers Program Podcast, because not only is she full of amazing ideas but just listening to her is motivational!Therese O'Neill is a Coach, Mentor and Key note speaker and she has been in the Financial industry now for over 20 years.In this podcast episode, Therese shares her top 3 killer hacks to...
2019-10-0315 minThe First Home Buyers ProgramEpisode 2 - Family GuaranteeIn this episode I talk about Family Guarantee. More specifically I go through why you would use Family Guarantee, how we can protect the guarantor as much as possible and how to structure your Family Guarantee loan. If you haven't already make sure to join the Facebook group; https://www.facebook.com/groups/2341125536203587/ so you can join the conversation, post questions and get discounted offers for the First Home Buyer's Program when it launches in November 2019Want to chat direct? you can book a time with me https://calendly.com/360mortgagesolutions or contact me https://360mortgagesolutions...
2019-09-0507 minThe First Home Buyers ProgramEpisode 1 - Pay Day Loans - what you need to knowIf you're thinking about getting a home loan (or any type of loan) in the near future then make sure you check out this podcast. I will explain how Banks and Lenders view 'pay day loans' and what you can do to avoid them.
2019-08-2707 min