#10 Is Your HECS Debt BAD? What Government Schemes Are There? What You Need to Know! Own It Property Podcast - Feat. David Pelligra
In Part 2 of this deep dive, mortgage broker David Pelligra returns to the Own It Property Podcast to unpack the real world strategies first home buyers need to succeed in today’s market. Host Dion explores key topics like how government grants work, the truth about Lenders Mortgage Insurance (LMI), the role of HECS debt in borrowing, and how to avoid costly mistakes when applying for a mortgage. If you’re trying to navigate Australia’s complex property landscape—this episode is your guide.
👉 Perfect for first-time buyers, property pros, or anyone looking to learn what banks are really looking for.
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28:13
#9 Answering EVERYTHING you NEED to know about property finance! Own It Property Podcast - Feat. David Pelligra
Not all home loans are created equal - especially if you’re a first-time buyer. In this deep-dive episode, we unpack why 10 buyers can walk into the same bank and walk out with 10 different interest rates. From loan-to-value ratios to how job history and Afterpay affect your borrowing capacity, our expert guest breaks down the behind-the-scenes world of mortgage lending.
We explore the 3 types of pre-approvals, why buy now pay later can hurt your borrowing power more than a credit card, and how banks value properties differently (sometimes by $150K!). Plus: What to do if your bank's property valuation comes back short, and how to play it smart when you're days away from an auction.
Highlights include:
The truth about low interest rates and who actually qualifies
How fast you can realistically get a pre-approval before auction
Why being “loyal” to a bank could cost you
The hidden risks of credit card point hacking
How family advice can unintentionally sabotage your home buying journey
This episode is a must-listen for anyone thinking of buying property, refinancing, or navigating mortgage approval in Australia’s tight lending environment.
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#8 Material Facts in Real Estate: What Every Buyer Must Know. Own It Property Podcast
In this episode of the Own It Podcast, Dion breaks down the crucial concept of material facts in real estate. What they are, why they matter, and how they can impact your buying decision. From unpermitted structures to past crimes and hidden structural issues, understanding material facts can help you avoid costly mistakes. Dion shares real life examples and expert insights to ensure you're asking the right questions before signing on the dotted line. Plus, we’re gearing up for upcoming episodes featuring industry professionals, so send in your questions! Tune in now to protect yourself as a buyer.
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#7 WHAT to Do NEXT When You Find a Property You Like. Own It Property Podcast
In this episode of the Own It Podcast, Dion takes you through the crucial steps to follow once you’ve found a property you like. From re-inspecting the property to requesting important documents like the contract of sale and vendor statement, Dion shares tips to ensure you don’t miss any critical details before making an offer. He covers everything from conducting due diligence, understanding body corporate information, and maintaining open communication with your real estate agent. Don't rush into a purchase—get informed and make confident decisions! Plus, Dion previews the next episode on material facts every buyer needs to know. Tune in for expert advice on navigating the property buying process with ease.
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#6 Private Sales 101: Everything You NEED to KNOW. Own It Property Podcast
In this episode of Own It, we dive into the world of private sales and how they differ from auctions. Dion breaks down the different types of private sales, the advantages they offer buyers, and the key strategies to avoid overpaying. Learn how cooling off periods, subject to finance clauses, and due diligence can protect you when purchasing a property. Whether you're a first home buyer or a seasoned investor, this episode will give you the knowledge to navigate private sales with confidence. Plus, get a sneak peek at the next episode, where we'll discuss what to do after you find a property you love.
Everything you need to know when it comes to purchasing your home. Right from the beginning on where to start, all the way through to tough auction negotiations. We will feature guests that specialise within the industry to give you more information to help you achieve your goals.
Ireland