You Have My Interest - Getting Personal With Property Finance

In this episode, Evelyn talks about all things self employed lending. Self employed finance is typically seen as 'hard' and can take longer to assess, but Evelyn reveals why this is just a myth, and how critical it is to speak to people who know specifically which lender will assess your income in the most favourable manner. Applying with no context or knowledge of a bank's self employ...

In this episode, Evelyn talks about how she assisted a long term client to sell a current property and purchase their next without using bridging finance. Now this structure may not work for everyone, so Evelyn breaks down who would be eligible to finance a purchase this way. She also talks about why loan structure is so important, and why a variable loan with offset facilities was the most suitab...

This week, we head into part 2 of our client Q&A, where Evelyn answers four more questions in detail, covering off on everything from taking a sabbatical from work, right through to how you can beat loyalty tax with your current bank.  She also talks about reasons people refinance outside of interest rates, and how you can calculate the available equity in your property. Tune in to hear Evelyn...

Welcome to our latest Q&A episode, where we tackle four insightful questions sent in by one of our clients. In this episode we explore the concept of making extra repayments on an investment loan with an offset account. Does it make sense to pay more into the loan account if you already have funds in the offset? We discuss how this may change whether your loan is interest only or principal and...

Let's talk about all things property investment. To cover this big topic, Evelyn is joined by Trent Alexander, an independent property investment advisor. Evelyn explores Trent's journey from the new home sector to his venture into founding Investments Accelerated, where he is all about helping people navigate the path to achieving their property dreams. Trent shares valuable insights for...

In this episode, Evelyn delves into the complexities of novated leases and their implications on loan applications and repayments, with a focus on securing additional funds for property renovations. Evelyn shares a client case and offers vital insights into the finer details of navigating novated lease agreements and understanding their impact on loan terms. She discusses how these leases can affe...

In today's Q&A, Evelyn is sent a series of questions from a long term client. She explains how lenders view contracted employees compared to permanent or full time employees. She also discusses the difference between a contracted employee and an independent contractor, who is actually treated as self employed. Evelyn then looks at what makes a good broker, and some of the key criteria to l...

Today we talk commercial lending with Jack Talbot, Director at Leverage Capital. With experience at Bank of Melbourne and Liberty, Jack ventured into entrepreneurship almost four years ago, focusing on aiding business and self-employed clients. Whether you're experienced or new to business financing, gain insights into navigating commercial finance. Find out your next step in property finance:...

In today's deep dive episode we're focusing on refinancing. Discover why people refinance beyond just seeking lower interest rates, learn about potential challenges and gain insights into managing your home loan effectively. Whether you're considering refinancing for a better rate, improved product features, or accessing equity, this episode offers valuable information to help you make...

In today's episode, we're diving deep into the state of the economy. Recently, Evelyn attended an event hosted by the Mortgage and Finance Association of Australia (MFAA) in Melbourne, where we had a presentation from one of the heads of Heron Todd White, a valuation firm, discussing the current economic landscape. Additionally, we explored insights from the ComSec State of States report,...

In this Q&A episode, Jess from GreenPockets answers questions from listeners alongside Evelyn, discusses various financial and investing topics. Jess emphasises the emotional risk in investing and suggests starting with small amounts. She talks about maintaining a financial foundation and setting achievable retirement goals. Jess also touches on tax-effective strategies and offers insights int...

Join us for an insightful conversation with Jess Clifford from @greenpockets_ as we delve into the world of investing and financial freedom. In this episode, we simplify investing concepts and explore why gaining understanding is crucial for achieving financial independence. Jess shares her journey into the financial field and explains why she started her Instagram page to demystify personal finan...

In this episode, Evelyn delves into the world of home loan lending, focusing on ways to enhance your borrowing potential with diverse forms of variable PAYG income such as overtime, allowances, bonuses and commissions. This episode also touches on the current interest rate market, offering insights into potential rate changes, and provides valuable perspectives on how different Australian lenders...

In this episode, we explore an interesting client scenario featuring a first-time homebuyer couple in Victoria. What makes this story unique is one partner's recent self-employment in the medical industry. Join us as we reveal how we secured their finance approval on an 18-month ABN, a challenge that many banks hesitate to accept. We'll also take you through their journey in using the Firs...

Today's episode is a unique and exciting one as Evelyn brings back property development expert Baz Komak.  This time, Evelyn has gathered five potential property development sites from our listeners, and Baz is going to assess them in real time. Join us as Baz takes a deep dive into each location, evaluating the feasibility of development and crunching the numbers to determine their profitabil...

Today we're joined by Baz Komak, a successful financial planner turned property developer.  Baz shares invaluable insights into both residential and commercial property development. Baz and Evelyn discuss crucial considerations for any project, emphasising the importance of thoroughly assessing profitability and knowing the numbers inside out. Baz delves into his key learnings and explores the...

In this short and sharp episode, Evelyn shares a power-packed list of money habits that she's leaving behind in 2023, and you should too.  She sheds light on financial practices that may be hindering your financial wellness, including bidding farewell to buy-now-pay-later schemes like Afterpay and ZipPay to breaking free from the allure of unnecessary subscriptions, Evelyn provides actionable...

This week we are bringing you the best of 2023 from the You Have My Interest podcast! As we kick off the new year, we've distilled some of the key educational moments from five of our favourite guests this year - and boy, was it hard to pick! We've covered a range of topics from personal insurance with Phil Thompson, winning at auction with Andy Reid, buying a property that stands the test...

Join us as we explore the world of off-the-plan property purchases with an interesting and detailed case study. Evelyn takes you through the journey of a first-time buyer who secured financing for a property that was not yet built. Evelyn reveals the risks and rewards of off-the-plan purchases, the client's financial profile, and how they leveraged government schemes to reduce costs. She also...

In this podcast episode with Andy Lloyd, we delve into his remarkable journey from financial struggle to achieving his goal of financial freedom by age 44. Andy shares how he transformed his mindset about money, explains the importance of Robert Kiyosaki's Cash Flow Quadrant, and offers insights into building passive income streams through business ownership and investments. Don't miss thi...

Can you buy a property if you've only been employed for one day?! Listen in to this week's episode as Evelyn explains just how it can be done. This Finance File was a special one, as our client was so ecstatic to receive finance approval, not thinking it was possible. We loved helping her achieve her goals, and restructure her current loans in the meantime, to something that was more tax e...

Today we have a special guest with a wealth of knowledge in the world of Australian Real Estate. Cate Bakos, a chemistry graduate from Monash University, transitioned from a career in science and sales/marketing to real estate, becoming a highly recognised property expert and award-winning buyer's agent. With over 2,000 client interactions, contributions to numerous media platforms and authors...

In this episode, we take a comprehensive look at the world of guarantor loans.  We explore how guarantor loans can be a game-changer for aspiring homeowners (or investors!). Guarantor loans are perfect for someone who has a smaller deposit, but a strong borrowing capacity. Some of the benefits include: Less savings required Lower interest rates Avoid lenders mortgage insurance From understanding t...

In a special Q and A episode, Evelyn tackles the big questions from listeners on a wide range of property and finance issues. The topics covered investors, developers, home owners and also first home buyers, who are all navigating a challenging market. Be sure to tune in! Find out your next step in property finance: You Have My Interest is brought to you by Everlend, a mortgage and finance broking...

This week we have a bonus episode from our mates over at Dyl and Friends, where Evelyn sat down with Dylan Buckley to talk all things property, finance and how to buy your first home. Evelyn explains some common misconceptions around loans, deposits, grants - plus provides some handy tips for first-home buyers. Dyl and Friends team: Email -  hello@producey.com Instagram -  @dylbuckley   @dylandfri...