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Future Property
SMSF Lending and Buying Property with Your Super
It's a myth that the banks don't like to deal with Self-Managed Superfunds (SMSF), and buying an investment property with your super fund isn't as difficult as it might seem, if you understand the process, and have the right team around you.0.00 - What is an Industry Super Fund vs. an SMSF?. 01.14 – How banks assess SMSF lending and calculate borrowing capacity. 01.35 – Using employer super contributions and rental income to service the loan. 01.57 – Using your existing super balance as a property deposit. 02.43 – The essential professionals you need: Accountants and Financial Advisors. 03.22...
2026-06-02
04 min
Future Property
From Approval to Settlement
Congratulations! Your home loan is formally approved! But what actually happens between celebrating that approval and getting the keys to your new front door? We break down the final leg of the property-buying journey, to make settlement run smoothly!0.00 - Intro0.34 - Digital documents and reading the fine print1.56 - Pre-settlement property check2.19 - Placing your funds and setting up your bank account3.31 - Settlement day logistics4.57 - SummaryFor any questions about purchasing property, please visit ynance.com.au...
2026-05-26
05 min
Future Property
When to Use and When to Avoid Bridging Loans
Selling one house, purchasing another, and seamlessly moving in, is an unattainable dream for most. Bridging is the most convenient option... until it isn't. It came quickly become costly, and can have huge effects if things don't go to plan. But there are other options you can use.0.20 - What is a bridging loan?0.40 - The risks of a bridging loan1.43 - When bridging doesn't work for you2.04 - Temporary accommodation alternative2.34 - Simultaneous settlement alternative3.19 - When bridging works3.45 - Summary
2026-05-19
05 min
Future Property
Building Profitable Sustainable Homes with Simon Clark
Why are century old homes in the UK, more sustainable and better built than Australian homes? That was the question that ignited a career mission in Simon Clark.Since that thought, he has founded Sustainable Homes Melbourne, and sits on the board of Sustainable Builders Alliance, and built and designed countless sustainable homes in Australia.The sustainable build isn't just better for environmental factors, it can save you, even help you profit off a sustainable built.To get in touch with Simon, visit sustainablehomesmelbourne.com.au.For any questions about purchasing...
2026-05-12
24 min
Future Property
Strategies for a Mortgage Stressed Household
As we navigate a rising rate market in 2026, it is essential to be proactive and well-prepared, and there are options for you and your household to relieve some mortgage stress.The first call you should make is to your bank, after shopping around for different rates, and negotiating with them to match the rate. The next step could be fixing your rate, abut getting personalised advice before you take any drastic measures, collating credit card debts and potentially selling any other assets to free up some cash.We can't stop the rate rises, but there...
2026-05-07
05 min
Future Property
Policy Changes for the Self-Employed
The idea that banks don't want to lend the self-employed, is long outdated. There have been massive shifts in the self-employed lending landscape over the last 6 to 12 months. If you are a business owner or director, the barriers to entry for property investment are lower than they have been in years.Whether you have one year of financials or are paying yourself a new salary, discover how 2026’s flexible policies can unlock more property options for the self-employed00:03 – The Changing Landscape01:21 – The Director’s Wage Advantage01:45 – Leveraging Partner Income02:29 – Strategies f...
2026-04-14
03 min
Future Property
Is Rentvesting Your Property Entry Point?
As the Australian property landscape evolves, many young professionals find themselves torn between the inner-city lifestyle they love and the desire to enter the property market.There is the option to stay within your community, maintain your current lifestyle and not have a painful commute, all while entering the property market; rentvesting.Whether you are a single professional not ready to put your roots down, or you're not willing to sacrifice your lifestyle, rentvesting might be for you.0.00 - What is rentvesting0.33 - The benefits2.15 - Risks and considerations
2026-04-07
05 min
Future Property
Non-Conventional Property Trends
You may have to think outside the box in order to buy your dream home in 2026.We're seeing a huge rise in non-conventional buying trends, in order to get a foot into the property market.Have you considered teaming up with a friend or family member to buy a home? NAB has reported a 33% increase in co-purchasing.Other home owners, are making the strategic decision to add granny flats to their homes to increase housing in their areas, and add extra financing to pay their mortgages.0.00 - Introduction to 2026 non-conventional buying...
2026-03-31
04 min
Future Property
Finding Home Through Human Data with Lucinda Hartley
Serial entrepreneur and urban futurist, Lucinda Hartley wants to challenge the idea of home as the white picket fence.As a founder of tech platform 'neighbourlytics' she understands the human data that drives property value, and our ideals of home. Lucinda explains how you can pick growth areas, through social behaviour, lifestyle, and neighbourhood character.She provides a roadmap for finding a home that fits the life you actually want to live.For any questions about purchasing property, please visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or mitch...
2026-03-24
25 min
Future Property
What To Do After the RBA Cash Rate Hike
The RBA's cash rate hike is never a welcome change.But before you jump to panicking or refinancing, there are a few options for you.0.20 - Don't panic0.38 - Speak to the bank1.38 - Don't rush into refinancing2.38 - Maximise your redraw and offset accounts2.55 - Credit card strategy3.28 - Make a considered decision about a fixed rate4.08 - Remain calmFor any questions about purchasing property, please visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or mitch@ynance...
2026-03-17
04 min
Future Property
The Cost of Waiting
Waiting can be a killer. Waiting for the perfect interest rate, or the perfect time to buy, can lead to you missing out. Most times, the winners are the ones who simply get started.With that said, sometimes waiting can lead to the perfect purchasing opportunity. Educated risk is the fastest was to future-proof your lifestyle.0.00 - The cost of inaction0.17 - Making action on the Sunshine Coast2.09 - When waiting pays off2.55 - Breaking the inaction and savings trap For any...
2026-03-10
03 min
Future Property
2026 Property Predictions
Blending fresh industry data with the success stories we're seeing from our clients every day, we’ve mapped out the top property predictions for 2026, designed to give you a clear, confident roadmap to finally turning your property goals into a reality.0.00 - Non-Conventional Buying Trends1.16 - First Home Guarantee caps2.15 - Type of housing buyers are drawn to2.30 - Growth corridors3.01 - The property upsize3.55 - The rise of the buyer's agentFor any questions about purchasing property, please visit ynance.com.au or contact Mi...
2026-03-03
04 min
Future Property
What We're Seeing in the Sunshine Coast Market Right Now
With Noosa prices almost completely pricing out first home buyers, go a suburb or two back, and you could find an affordable first home.We're noticing massive growth areas across the Sunshince Coast, inlcuding Tewantin, Sippy Downs, Nambour, Eumundi. Big changes in the Maroochydore town planning, making it a great purchase place for a first-home or an investment.For any questions about purchasing property or to discuss your home loan options, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or
2025-09-17
03 min
Future Property
Unlocking the Melbourne Market with Buyers Agent Chris Guest
Buyers agent Chris Guest (Guesty) has worked with all clients, from all different property buying experiences, and budgets.Guesty believes that a buyers agent has advantages for all types of buyers, and how they can get information from agents which give their clients a competitive edge.He outlines what trends he is seeing in Melbourne, and how to get into the market or purchase your next investment. 0:00 Intro to Guest0:35 How buyers agents help all types of buyers3:43 How to buy well and the competitive advantage of...
2025-09-10
16 min
Future Property
How to Avoid Paying Lenders Mortgage Insurance (LMI)
You save up a deposit, it's shy of 20%, and now you're hit with Lenders Mortgage Insurance. But there are ways around paying LMI, depending on your employment, house price, and your lender.Before you accept paying LMI, fully understand the exceptions and you might be able to avoid paying it.For any questions about purchasing property, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or mitch@ynance.com.au.
2025-09-03
04 min
Future Property
The Future of Cities and Housing with Urban Planner Dr Jane Homewood
We’ve all heard about the housing crisis, but what if the solution isn’t just to "build more houses."Dr Jane Homewood has worked in urban and regional development, and has been at the forefront of planning our Victorian cities.Jane deeply believes that the future planning of our cities should revolve around our lives and recreation, not just how we work, or continue to spread further and further onto farming land.She shares her educated predictions for what our housing will look like in 2040, and if you're looking at buying property righ...
2025-08-27
22 min
Future Property
ATO Debt Changes That Could Affect You
Recent changes to ATO debt, may affect you if you are a first home buyer, or a business owner.If you hold a HECS or a HELP debt under $20,000, recent changes at NAB are worth looking into.For business owners, there are significant changes to ATO debt no longer tax deductible, which is leading many people to explore consolidating that debt into their home loans to manage it more effectively.For any questions about purchasing property, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or mitch@ynance.com.au.
2025-08-20
03 min
Future Property
Insuring Your First Home & Slashing Your Premiums with Peter Bolton
Property insurance is a confusing and expensive necessity, you don't want to get wrong.Insurance Broker, Peter Bolton shares his firs home-buyer guide to insurance, helping you to avoid common mistakes, and consider areas that may be uninsurable, or come with hefty premiums.Chapters:0:00 - The connection between insurance and property, and when to insure1:58 - Accidental damage versus defined events policies 2:18 - The key advantages of working with an insurance broker 2:43 - A common mistake of insuring the land instead of the house 3:01...
2025-08-13
15 min
Future Property
What First Home Buyers Are Buying in Melbourne Right Now
We're seeing common properties being purchased in Metro Melbourne. From the type property, age, and price, here's what we're seeing for both couples wanting to start a family, and singles wanting to get into their own home.For any questions about purchasing property or to discuss your home loan options, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or mitch@ynance.com.au
2025-07-16
04 min
Future Property
Boosting Property Value Through Styling with Kylie Espandiar
When it comes to selling your property, first impressions count. Property styling expert Kylie Espandiar from KE Property Styling has been transforming homes for sale for 14 years, working with major real estate agents across all price points. Kylie shares her tips to getting buyers "off the couch" to inspect a property, and how to make them to stay to notice the finer details of a property.Kylie reveals the psychology behind property styling, common mistakes vendors make, and how to create that crucial sense of arrival that gets buyers emotionally invested in your...
2025-07-09
20 min
Future Property
How to Shorten the Lifespan of Your Loan
If the thought of a 30 year loan keeps you up at night, be assured there are ways to cut the lifespan of your loan right down.Mitch outlines the ways he takes years of his clients loans, with just three simple and realistic changes.For any questions about purchasing property or to discuss your home loan options, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or mitch@ynance.com.au
2025-07-02
04 min
Future Property
The Art of the Auction with Greg Brydon
Auction can feel like a daunting an environment to purchase a home, but knowing how to make the most of the high pressure environment, could leave you with the keys to your dream home.Greg Brydon is the General Manager of Apollo Auctions across Australia and New Zealand, with thousands of auctions under his belt.Greg has well and truly mastered his craft as an auctioneer, he can read the play, the buyers, and most importantly he's here to teach you how to master the art of the auction.0.00 - Introduction1.43...
2025-06-25
22 min
Future Property
How Different Debt Affects Your Borrowing Capacity
Not all personal debt is the same. From credit cards, HECs, and buy now pay later, they all affect your borrowing capacity in different ways.Prioritising paying off certain debts before others, might help your borrowing capacity and get you into your dream home faster. For any questions about purchasing property or to discuss your home loan options, visit ynance.com.au or contact Mitch Woods directly on 0411 235 798 or mitch@ynance.com.au
2025-06-18
04 min
Future Property
Legal Essentials of Buying Property with Ciara Molloy
Your sale contract could cost you tens of thousands of dollars if you don't review it correctly, but with some sitting at 400 pages, it's an arduous and difficult task.Property lawyer from Haines and Polites, Ciara Molloy shares the legal essentials, from when to engage a solicitor, to making special conditions work for you.0:00 Introduction to Ciara1:09 Contract reviews and common contract traps2:31 Conditional vs unconditional purchases explained3:33 Auction advice5:28 When to insure your property after purchase6:47 Understanding all the additional costs beyond purchase price
2025-06-11
20 min
Future Property
Your Pre-Approval Checklist
You're on the hunt for your first home, or already found the perfect house, what's next? The approval process.It doesn't haven't to be arduous of filled with knock backs, just following step by step to pre-approval success.
2025-06-04
04 min
Future Property
Build or Buy with Adam Earey
Do you build your dream home, or do you try and find something that's already on the market and transform it into your dream home.Melbourne-based builder, Adam Earey has built and renovated many homes over his career and can spot a quality built home form a mile away, and will help you do the same.He shares his insights into what to look for in a block of land, a home to be renovated, and a newly renovated home.**Chapters**00:00 - About Adam04:05 - Buying established property09:40 - Land assessment...
2025-05-29
25 min
Future Property
Professionals You Need on Your Property Buying Team
Whether you're thinking about purchasing a property, or ready to make an offer, you need a team of professionals to help you through the buying process.We break down what professionals you need, when you need to engage them, and what you can do yourself.
2025-05-21
05 min
Future Property
Pre-Market, Auction, and Private Sale Strategies with Chris Guest
Buyer's advocate and vendor advocate Chris Guest shares his valuable insights into the different property purchasing methods he uses for clients - expressions of interest, auctions, off-market, and private sales - while explaining his strategies for each approach. Chris emphasises the importance of removing emotion from property purchases, setting clear budget limitations, and making data-driven decisions to ensure clients get the best value. **Chapters**00:45 - Market Update and Q4 2024 and Q1 2025 activity05:19 - Expressions of Interest Explained08:21 - Auction Strategy Breakdown12:37 - The Truth About Off-Market...
2025-05-14
20 min
Future Property
How Much You Need For Your First Home
Confused about how much you really need to save for your first home? Let's make it simple, by breaking down the different government schemes, like the First Home Owner Grant, and the Super Saver Scheme, and how they vary state to statWhether you're actively house hunting or just beginning to consider home ownership, this episode is your financial blueprint to your finance options and understanding what's truly possible in today's market. For more financing options contact Mitch at Ynance.
2025-05-07
07 min
Future Property
Finding Your Perfect Home with Amy Lunardi
The pressure to find your first home, and the 'right' property to avoid having buyers regret can be overwhelming during your property search.Amy Lunardi shares her insights and foolproof techniques to identifying and finding your perfect property. With over 12 years in the property industry, Amy started in leasing before transitioning into advocacy, she now runs her own business and has helped hundreds of home buyers find their perfect home, and will help you do the same. Work with Amy: https://amylunardi.com.au/Amy's First Home Buyers Guidebook: https...
2025-04-30
25 min
Future Property
#9 Authentic Real Estate Purchasing with Lisa Britcliffe
Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. In this episode, we speak with Lisa, a real estate advocate who brings authenticity, heart and a unique approach to property buying and selling. After leaving the real estate industry and spending years in personal development and coaching, Lisa returned with a mission to transform how real estate services are delivered.Chapters0:00 Introduction and Lisa's Early Real Estate Journey6:00 Returning to Real Estate with a New Purpose9:00 The...
2025-02-10
29 min
Future Property
#8 From Pinterest to a first-time property dream with Jordan Halliwell
Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. Introducing Jordyn, an aspiring first home buyer in bayside Melbourne. Jordyn shares her journey of first-time home buying with 'tradie partner' Jez. Growing up in a real estate family, Jordyn brings unique insights into her upbringing around property. Watch as she discusses their recent house hunting experience, including a heartbreaking near-miss on their dream beachside property, managing different approaches to property buying with her partner; and the realities of saving for a deposit. Chapters
2024-12-08
25 min
Future Property
#7 Melbourne's Property Secrets: Auctions, School Zones, and Buyer Strategies with Chris Guest
Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. Introducing Chris Guest, a buyer's advocate and vendor advocate based in Melbourne. Chris shares his insights on the Melbourne property market, discusses strategies for first-time buyers, and offers advice on navigating auctions. He also delves into his personal property journey and provides valuable tips for both buyers and sellers in the current market. Chapters 00:00:00 - Introduction and Guest Introduction 00:00:43 - Chris's Background in Real Estate 00:02:07...
2024-10-06
31 min
Future Property
#6 From First-Time Buyer to Airbnb Host with Josh Pennell
Join us as we dive into the property investment journey of Josh, a financial advisor who shares his experiences and insights on buying, managing, and growing a property portfolio. From his first purchase in 2008 to navigating the challenges of Airbnb management, Josh offers valuable tips for both novice and experienced investors. He discusses the importance of land value, location, and timing in property investment, as well as the challenges and rewards of running an Airbnb from afar. Whether you're a first-time buyer or a seasoned investor, this conversation offers valuable insights into the...
2024-09-15
44 min
Future Property
#5 Unlocking Successful Property Purchases with Matt Skehan
Welcome to "Should've Bought That", where we dive deep into the world of property buying with industry experts. In this episode five, we chat with Matt Skehan, a seasoned investor turned Melbourne-based Buyer's Agent. Matt will explains his Buyer's Decision Quadrant and how it helps people navigate the property purchase process. Matt also shares valuable insights on the current state of the Greater Melbourne property market, the role of a buyer's agent, and his proven framework to help buyers make informed decisions. 0:00 - Introduction 0:25 - The Current Market Conditions 0:42 - What...
2024-08-26
18 min
Future Property
#4: From Bondi to a property empire with Al Rawack
Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. In episode 4, join us for an insightful conversation with a seasoned property investor Al, as he shares his journey from his first home purchase in Sydney to building a diverse portfolio across Australia. Learn valuable lessons about location selection, risk management, and long-term investment strategies. Whether you're a first-time buyer or looking to expand your property holdings, this episode offers practical advice and real-world experiences to guide your investment decisions. Chapters
2024-08-17
28 min
Future Property
#3 Building a portfolio from scratch with Bevan Robertson-Christie
Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. In episode 3, Bevan shares his incredible journey of building a property portfolio from scratch, overcoming financial setbacks, and learning from his experiences in property investment and business ventures. Tune in to hear his inspiring story and valuable insights. **Chapters:** 00:00 - Introduction 00:26 - Bevan's Property Journey Begins 01:21 - Financial Challenges and the GFC 01:43 - Building a Property in Wellington 02:28 - Internet Business and the Tech Boom 03:34...
2024-08-08
34 min
Future Property
#2 Stick to your budget with first home buyer Jess Fantone
Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. In Episode 2, we chat with Jess Fantone, a valued customer of Ynance brokerage - and a first-time buyer! We delve into her inspiring property story from start to finish. From her initial thoughts on entering the market to finding the perfect home, Jess shares her journey, challenges, and triumphs in the world of real estate. Tune in to gain insights and tips for your own property endeavours. If you’d like help wi...
2024-07-31
18 min
Future Property
#1 Buy property well with buyer's advocate Sam Spernat
Welcome to "Should've Bought That," where we dive deep into the world of property buying with industry experts. In Episode 1, we chat with Sam Spernat from Rodney Samuels Consulting. Sam, one of Melbourne's pioneering buyer's agents, shares his insights on commercial property, the emotional side of buying, and strategic planning for property purchases. Join us for an engaging discussion filled with valuable tips and fascinating stories. **Chapters:** 00:00:00 - Introduction 00:00:28 - Welcome Sam Spernat 00:01:07 - Sam's Background in Property 00:02:14 - Transition from Accounting to Real E...
2024-07-23
36 min