Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult -----In this episode, we have Michaela Shaw, Lending Specialist at MoneyQuest Penrith & Blue Mountains, a finance professional known for making the lending journey feel approachable and stress-free, especially for first-home buyers.She talks about the mindset blocks holding Gen Z back from entering the property market, the biggest myth about credit scores that could sabotage your borrowing power, and how to take advantage of lesser-known government schemes to get into your first home sooner.She also discusses how to strategically plan your finances 12–18 months before buying, the unexpected factors lenders consider when assessing your loan, and why working with a mortgage broker and financial adviser can fast-track your journey into the property market.If you want to take the guesswork out of buying your first home and learn how to make confident, informed decisions about your property journey, then make sure to listen to this episode!-----SHOW NOTES LINKShttps://www.linkedin.com/in/michaela-shaw-742866222/ https://www.moneyquest.com.au/broker/michaela-shaw/ https://www.facebook.com/MoneyQuestBlueMountains/ https://www.facebook.com/MoneyQuestPenrith/ https://www.instagram.com/moneyquest_bluemountains/ https://www.instagram.com/moneyquest_penrith/ -----LISTEN TO THE PODCASTSpotify: https://spoti.fi/3qJL8w4 Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD Google Podcast: https://bit.ly/3swIVEF----FIND US HEREFacebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG -----CONTACT [email protected]   Client Enquiries: 1300 179 537Careers & Press: 1300 179 537----TIME STAMPS:00:00 - Introduction00:35 - Importance of Financial Literacy for Home Buyers02:15 - The Impact of Interest Rates on Borrowing Capacity04:30 - How to Assess Your Financial Situation Before Buying07:10 - Common Mistakes First-Time Buyers Make09:45 - How Much Deposit Do You Really Need?12:20 - Understanding Home Loan Options and Government Schemes15:05 - The Importance of Discipline in Saving for a Home17:30 - Should You Wait or Buy Now? Setting Realistic Expectations20:15 - First Home vs. Dream Home: What Should You Aim For?23:00 - How to Evaluate the Property Market and Adjust Your Goals25:40 - Final Tips for First-Time Home Buyers27:30 - How to Get

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