First Home Buyers: 10 Rules You Can’t Ignore

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Property Now

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78 episodes

1 day ago

Property Now is your go-to guide to the Australian property market. Each episode brings together the experts such as developers, agents, brokers and even buyers to unpack what’s really happening in the world of Aussie real estate.

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First Home Buyers: 10 Rules You Can’t Ignore

Property Now

47 minutes 30 seconds

3 months ago

First Home Buyers: 10 Rules You Can’t Ignore

Buying your first home does not have to be overwhelming if you know the rules. In this episode of Property Now, host Michael Carbone sits down with Aidan Hartley, founder of Owl Home Loans and self-proclaimed “First Home Buyers’ Mortgage Broker”, to unpack his 10 Commandments for First Home Buyers.

From buying with as little as 0% deposit, to avoiding costly LMI, choosing the right bank, cleaning up your credit score, and knowing when to walk away from a property, these are the strategies that could save you thousands and fast track your home ownership journey.Whether you are saving for a deposit, ready to make an offer, or just starting your property research, this episode is packed with practical, no-nonsense tips that every first home buyer needs to hear.

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00:00:00 - Introduction

00:00:27 - Aidan Hartley's Career Start

00:01:26 - First Home Buyers vs. Investment Buyers

00:02:00 - Trend Shift in Home Buying

00:03:45 - The 10 Commandments for First Home Buyers

00:03:47 - Commandment 1: No Need for 20% Deposit

00:08:30 - Commandment 2: Lender's Mortgage Insurance (LMI)

00:10:49 - Commandment 3: Always Get Pre-Approval

00:13:27 - Commandment 4: Pick the Fast Bank

00:17:14 - Commandment 5: Offset vs. Redraw

00:22:28 - Commandment 6: Broker Fit

00:25:20 - Commandment 7: Credit File Cleanup

00:32:57 - Commandment 8: Don't Overshare

00:35:21 - Commandment 9: Property Checks

00:40:05 - Commandment 10: Don't Panic

00:41:48 - Aidan Hartley's Experiences and Predictions