First Home Unlocked copertina

First Home Unlocked

First Home Unlocked

Di: Jack Elliott
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Buying your first home is a huge milestone, but it can also feel overwhelming, confusing, and full of pressure. First Home Unlocked is here to change that, and to help you reach your first home with clarity and confidence. Hosted by Jack Elliott, National First Home Buyer Specialist at Alcove, and Chris Bates, one of Australia’s top-ranked mortgage brokers, this podcast simplifies the home buying journey and empowers you with the keys to unlock your first home. Each episode is practical, clear, and designed specifically for first home buyers. From understanding the buying process to choosing a property that fits your long-term vision, Jack and Chris will guide you through every step with real conversations and expert support. You’re not in this alone. Hit subscribe and let’s unlock your first home together.Copyright 2026 Jack Elliott Economia Finanza personale Scienze sociali
Episodi
  • 49 - 5% Deposit Scheme: The Questions First Home Buyers Ask Most

    49 - 5% Deposit Scheme: The Questions First Home Buyers Ask Most
    Oct 20 2026
    The First Home 5% Deposit Scheme lets you buy your first home with a 5% deposit and no lenders mortgage insurance (LMI). It’s the topic first home buyers ask Jack and Chris about most. There’s plenty of information out there, but most of it is general, and it leaves you wondering how the scheme actually applies to you.Mortgage brokers Jack Elliott and Chris Bates answer the questions they hear most from first home buyers. They explain how the scheme really works, what you need saved beyond your 5% deposit, and the rules that could change your plan. Then they walk through the three biggest risks of buying with a small deposit, and the simple steps to protect yourself from each one.Whether you’re just starting to save, getting close to applying, or weighing the scheme against other pathways, this episode will help you decide if the 5% Deposit Scheme fits your plan.In this episode:🔑 How the 5% Deposit Scheme works, and why 5% isn’t your total savings target🔑 Whether using the scheme means a higher interest rate🔑 Your options if your partner has owned a property before🔑 How much savings you can keep as a buffer, and why lenders set different limits🔑 The three biggest risks of buying with a 5% deposit, and how to protect yourself Timestamps00:00 - First Home 5% Deposit Scheme Q&A01:55 - How Does the 5% Deposit Scheme Work?03:44 - 5% Deposit Scheme Price Caps Explained04:49 - 5% Scheme Rules: Moving In and Renting Rooms05:41 - Deposit, Stamp Duty and Upfront Costs08:26 - Does the 5% Scheme Mean a Higher Interest Rate?10:37 - 5% Scheme When Your Partner Has Owned Before13:53 - Retained Savings: How Much Can You Keep?17:32 - Risks of Buying With a 5% Deposit19:56 - Price Caps, LMI Waivers and Other Options21:25 - Why Asset Quality Matters for First Home Buyers23:05 - How a Mortgage Broker Helps First Home BuyersReady to start your own first home journey? Book a Get to Know You Chat with Jack, mortgage broker and National First Home Buyer Specialist.Free ResourcesHousing Australia Price Cap Postcode ToolMentioned EpisodesEpisode 1: Unlocking Your Goals and VisionEpisode 6: Unlocking Asset QualityEpisode 39: Unlocking the Real Risk of Buying with a 5% Deposit and How to Protect YourselfEpisode 42: How to Choose a Quality First Home: A Buyers Agent's ChecklistWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au
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    25 min
  • 48 - How to Buy at Auction as a First Home Buyer: Prepare, Bid and Stay in Control

    48 - How to Buy at Auction as a First Home Buyer: Prepare, Bid and Stay in Control
    Oct 6 2026
    Buying at auction is the one part of the process where there's no going back. There’s no cooling off period, no finance clause and no changing your mind once the hammer falls. You're also bidding in public against an agent and auctioneer who've run hundreds, maybe thousands, of these, while it might be your very first. It's no wonder so many first home buyers find auctions scary, or rule them out altogether.Mortgage broker Jack Elliott brings buyers agents Veronica Morgan and Meighan Wells back for the final part of the Buyers Agent Series, and their message is simple: auction is just another way to buy, and preparation is what keeps you in control. They explain what really changes when a property goes to auction, why the work has to be done before the day rather than after, and how being the buyer who's ready to sign can put you in the box seat. Then they walk you through auction day itself, from setting your walk-away price to knowing how to bid when the room goes quiet.If you're buying in Sydney or Melbourne, where most homes sell at auction, or the right property for you is heading to one, this episode will help you walk in prepared and make your decisions with confidence, not under pressure.In this episode:🔑 What changes when you buy at auction instead of through a private sale, and why the rules differ state to state🔑 Why pre-approval isn't the whole picture, and why your broker should check the property before you bid🔑 Why an agent might push for a pre-auction offer, and what to find out before you make one🔑 The checks to finish before auction day, and the conditions you can ask to change, like a 5% deposit instead of 10%🔑 How to bid on the day, from watching the other buyers to why hanging back can cost you the propertyTimestamps00:00 - How to Buy a House at Auction in Australia03:07 - Auction vs Private Sale: No Cooling Off Period05:46 - Why Sellers Choose Auction in Sydney and Melbourne09:16 - Do You Need Pre-Approval to Bid at Auction?11:35 - Should You Make a Pre-Auction Offer?16:50 - Due Diligence Before Auction: What to Check22:00 - Can You Pay a 5% Deposit at Auction?24:02 - What Happens on Auction Day28:30 - How to Bid at Auction: Bidding Strategies30:43 - What Happens When a Property Passes In?32:41 - First Auction Tips: Watch Before You Bid35:48 - Common Auction Mistakes First Home Buyers Make40:25 - Final Tips and the First Home Buyer CourseReady to start your own first home journey? Book a Get to Know You Chat with Jack, mortgage broker and National First Home Buyer Specialist.More about Home Buyer AcademyHBA First Home Buyer CourseGet 50% off the course and access to the weekly Campfire sessions when you work with Jack as your mortgage broker: start hereHow to Price Property Like a ProfessionalHome Buyer Academy WebsiteYour First Home Buyer Guide PodcastConnect with VeronicaAuction Ready by Veronica MorganVeronica's WebsiteGood Deeds Property Buyers WebsiteVeronica's LinkedInConnect with MeighanProperty Pursuit WebsiteMeighan's LinkedInFind Out More About Alcove's Trusted Buyers AgentsAlcove Trusted Buyers Agent MapMentioned EpisodesEpisode 41: Unlocking Buyers Agents: What First Home Buyers Need to KnowEpisode 42: How to Choose a Quality First Home: A Buyers Agent's ChecklistEpisode 44: Price Guides, Off Market and Agents: How to Search for Your First HomeEpisode 45: Inspections and Due Diligence: What to Check Before You Buy Your First HomeEpisode 46: How to Make an Offer and Negotiate with Agents: A First Home Buyer's GuideWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au
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    46 min
  • 47 - Is Now a Good Time to Buy? The 4-Point Checklist for First Home Buyers

    47 - Is Now a Good Time to Buy? The 4-Point Checklist for First Home Buyers
    Sep 22 2026
    Is now a good time to buy? It's the question Jack's hearing most from first home buyers right now. With headlines about falling property prices, negative equity and interest rates everywhere, sellers are sitting tight, and pre-approved buyers are struggling to find anything worth buying.Mortgage brokers Jack Elliott and Chris Bates cut through the noise to explain what's really going on: why so few properties are for sale this spring, what falling prices actually mean for you, and why trying to time the bottom of the market is riskier than it sounds. Then Jack shares four simple checks to help you work out whether now is the right time for you to buy.Whether you're actively searching, still getting your finances in order, or waiting to see what the market does, this episode will help you make the call based on your situation, not the headlines.In this episode:🔑 Why so few properties are for sale right now, and who's still selling🔑 Why the "prices are falling" headline is an average, and how to check what's happening where you're buying🔑 Why nobody can pick the bottom of the market, and how waiting can mean missing out when confidence returns🔑 Four checks to know if you're ready to buy🔑 How buffers, a practised repayment and the right cover protect you from being forced to sell in a downturn Timestamps00:00 - Is Now a Good Time to Buy Your First Home?02:07 - Why So Few Properties Are for Sale Right Now02:46 - Who's Selling in a Down Property Market?04:15 - How Spring and Autumn Property Seasons Work06:01 - Why It's OK to Be Fussy About Asset Quality06:59 - What to Expect From Spring Property Listings09:47 - What Falling House Prices Really Mean13:00 - Property as an Asset Class and Negative Equity15:25 - Should You Wait for Prices to Fall?18:10 - Checklist 1: Your Goals and Vision21:21 - Checklist 2: Your Finance Strategy22:17 - Checklist 3: Buffers and Protecting Yourself25:05 - Checklist 4: Quality Property and Due Diligence27:34 - Final Thoughts: Asset Quality in a DownturnReady to start your own first home journey? Book a Get to Know You Chat with Jack, mortgage broker and National First Home Buyer Specialist.Free ResourcesGoals and Vision WorkbookBuyer's Agent MapMentioned EpisodesEpisode 1: Unlocking Your Goals and VisionEpisode 6: Unlocking Asset QualityEpisode 39: Unlocking the Real Risk of Buying with a 5% Deposit and How to Protect YourselfEpisode 41: Unlocking Buyers Agents: What First Home Buyers Need to KnowEpisode 42: How to Choose a Quality First Home: A Buyers Agent's ChecklistEpisode 45: Inspections and Due Diligence: What to Check Before You Buy Your First HomeWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au
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    32 min
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