Most financial mistakes don’t happen because people are careless. They happen because no one explains how banks actually assess you. If you’re planning to buy your first home or your first investment property in Australia, this episode could save you serious time, stress, and money.

In this video, I break down the most common finance mistakes I see Australians make when applying for a home loan or investment loan. I share real client examples, industry insights, and even a painful mistake I made myself so you can avoid approval delays, reduced borrowing power, or failed settlements when buying property in Australia.

In this episode, I cover:

• Why Afterpay and Buy Now Pay Later hurt loan approvals
• How lifestyle spending reduces borrowing capacity
• Whether to pay off debt or save a deposit first
• What not to do during pre-approval and settlement
• How to buy your first investment property in Australia smarter

Whether you’re buying, building, or investing, this is essential viewing for navigating the Australian property market with confidence.

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Book a free strategy session with the team and me at Opiak Finance Solutions. We’ll help you prepare smarter for your next property move.

Key moments:

0:00 The money pattern keeping Australians in debt

1:04 Why Afterpay hurts home loan approvals

2:02 How lifestyle spending cuts borrowing power

3:05 The debt mistake that kills deposits

4:10 What happens if you borrow after approval

5:24 Why hiding dependants backfires

6:04 Trust mistakes that cost buyers thousands

7:09 The $300k pool mistake

8:06 Contract risks buyers often miss

9:51 Habits that boost loan approvals

10:27 The team every buyer needs early

Social Media & Contact Information:

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Website: https://opiak.com.au/