Can you rent out your first home without losing your grant? How does the six-year exemption for capital gains tax really work? How much deposit is actually enough? And can you even use the 5% scheme to buy hectares of land?

In this episode, we answer your biggest money questions straight from our Facebook group. We unpack rentvesting requirements and grants, break down how capital gains tax applies when you move out or sell, bust the 20% deposit myth, and explain how brokers really get paid. Plus, we tackle whether the 5% deposit scheme can be used to buy land — and what to know if you’re eyeing a bigger block.

You’ll also hear what to do once you’ve saved your deposit, when to speak to a broker, and why understanding grants and concessions is critical to avoiding costly mistakes.

Listen now to get clear on rentvesting, tax implications, deposits, brokers, land questions, and low-deposit schemes — and leave knowing exactly how to move forward with confidence on your first home journey.

Episode Highlights

00:00 – Introduction and Podcast Overview

01:46 – Deposits and Government Schemes Explained

03:11 – How Much Deposit Do You Really Need?

05:11 – What to Do After Saving Your Deposit

08:46 – Rentvesting and First Home Buyer Grants

11:35 – Capital Gains Tax: How Long Can You Own or Rent Before Paying?

15:14 – Buying Land with the 5% Deposit Scheme

17:05 – When Should You Meet a Mortgage Broker?

Mentions

• Australian Taxation Office Website
• Episode 001 – What is Your First Home Buyer Guide?
• Episode 056 – Proper Due Diligence for Buying Strata Properties (with Nicole Johnston)
• Episode 201 – Uncover the Options for Buying a Home Without a Full 20% Deposit

• Episode 205 – Rentvesting: What You Need to Know Before Taking the Leap

Course Details:

• THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

• Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast
• Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825
• Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

See omnystudio.com/listener for privacy information.

Every media headline says you can’t buy a home nowadays. Your friends say it. Even your brain believes it. But here’s the truth: it’s still possible — if you build the right habits.

In this episode, we call out the loop of doomscrolling, lifestyle inflation, and Uber Eats blowouts that keep first home buyers stuck. We break down how your daily choices — how you spend, save, and think — can either fuel your first home dreams or quietly sabotage them. You’ll hear real talk about what it takes to build a deposit, the mindset shifts that make it doable, and why good spending habits matter more than perfect timing.

If you’ve been feeling like homeownership is out of reach, this is your reset. You’ll walk away with practical tips, renewed clarity, and the truth: buying your first home in Australia is still possible — if you stop waiting and start building.

Episode Highlights

00:00 – Introduction: The Housing Market Narrative

00:30 – Meet Your Hosts: Veronica and Meighan

02:21 – Mindset Over Headlines

03:18 – Habits That Move You Forward

04:12 – Planning, Sacrifice & Progress

06:43 – Building Long-Term Resilience

10:40 – The Influence of Social Media

16:51 – Surround Yourself with Positive Influences

18:18 – You’re Not Powerless: Taking Control of Your Home Buying Journey

18:53 – Join Our Community and Course Information

Mentions

• Ep. 235 – When the Bank of Mum and Dad Goes Horribly Wrong
• Atomic Habits by James Clear

Course Details:

• THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

• Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast
• Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825
• Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

See omnystudio.com/listener for privacy information.

Is Perth still a good place to buy? Are Brisbane’s grants helping or hurting buyers? Is Sunbury in Melbourne a smart move – or a big mistake? In this episode, we answer some questions from our Facebook group. We're talking about real risks, tricky choices, and what you need to know before you buy.

People often say things like “wait for the right time” or “use grants to get in.” But those tips can backfire. And while grants sound helpful, they can push you into areas that won’t grow in value. In this episode, we explain why timing the market doesn’t work and why grants sometimes lead you to bad buys.

We’ll share the kind of practical tips that make a real difference, like how to recognise the warning signs of a risky suburb, what to think about when you’re looking at homes far from the city, and how to check if a grant is actually helping or just tempting you into a bad decision. We also talk through what can go wrong when too many investors buy in one place, why some areas get popular while others don’t, and how to choose a suburb that fits your life, not just your budget.

This is about helping you feel steady and sure, instead of overwhelmed. When you know how to filter through the noise, compare your choices clearly, and trust your own judgment, you’ll be way more confident – and way less likely to make a decision you’ll regret.

Episode Highlights

00:00 – Introduction

01:47 – Answering your questions: evaluating suburbs and market timing

02:40 – Is it a good time to buy in Perth?

05:46 – Navigating first home buyer grants in Brisbane

11:39 – Considering Sunbury in Melbourne for your first home

14:51 – Is there a best time to buy a villa or townhouse in Sydney?

18:14 – Avoiding risky suburbs for apartments in Brisbane

Mentions

• Episode162 - New House and Land Packages: The Good, the Bad, and the Ugly
• QLD Government - Concessions for homes - Check your eligibility

Course Details

• THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It’s the next best thing to having your own buyer’s agent. With our expert guidance, you’ll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBG

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

• Subscribe on YouTube: https://www.youtube.com/@YourFirstHomeBuyerGuidePodcast
• Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825
• Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

See omnystudio.com/listener for privacy information.