Australian Property Podcast18 Jul 2023

How mortgage broking works: getting a home loan, inside & out

How do you actually get a mortgage? How do you get a loan for a property and what happens on settlement day? Work with Chris: Rask + Blusk mortgage broking In this Australian Property Podcast episode, Chris Bates, the founder of Blusk who was recently voted one of NSW's top mortgage brokers; and myself (Owen Rask, founder of The Rask Group), dive deep into every single step of the mortgage broking process. Chris and I cover every step of mortgage broking and how a really good mortgage broker should treat their client (you). If you're new to getting a mortgage, buying a property, or simply thinking about partnering with a good mortgage broker, I think this Australian Property Podcast episode is for you!In short, there are two ways most people get a loan in Australia to buying a property: Go direct to a bank. Use a mortgage broker. This is now the most common option, by far. Over the past decade, the mortgage broking industry has blossomed because, I think, it helps would-be property owners make a more informed decision when it comes to picking lenders, finding a good rate, understanding the different types of 'products' (offset accounts, redraw, fixed versus variable loans, etc.). However, in my opinion, the distance between good mortgage brokers and bad mortgage brokers is incredible. Unfortunately, picking a good one out of the gate is really tough! In case you're new to The Australian Property Podcast (welcome!) and for disclosure only, Rask & Blusk have a referral partnership in place. You can find all of the details on our mortgage broking page. Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

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Episoder(313)

Budget fallout, SMSF lending ban and the property versus shares debate

In this episode of Australian Property Podcast, Pete Wargent and Chris Bates break down the latest property-market shake-up and what it means for buyers, investors and borrowers. The conversation cent...

4 Jul 48min

Is peak fear here for property? Negative gearing, SMSF risk and the six-year rule

In this episode of Australian Property Podcast, Pete Wargent and Chris Bates ask whether Australia’s housing market has moved from nerves to peak fear. They unpack weaker auction results in Sydney an...

27 Jun 56min

The psychological traps costing property buyers

In this episode of Australian Property Podcast, Amy Lunardi and Chris Bates unpack the psychological traps that can quietly cost property buyers money, momentum and confidence. The conversation starts...

23 Jun 53min

Rate pause, Budget shock and the next move for Australia's property market

In this episode of the Australian Property Podcast, Pete Wargent and Chris Bates unpack a housing market that is trying to stabilise after the Budget shock, without much conviction that the hard part ...

20 Jun 51min

First home buyers after the Budget: grants, pathways and the traps to avoid

First home buyers are finally getting a bit more breathing room, but that does not mean every scheme is a green light. In this Australian Property Podcast episode, Chris Bates sits down with Jack Elli...

16 Jun 41min

The post-Budget property reset — fear, buyers and what happens next

In this episode of the Australian Property Podcast, Pete Wargent and Chris Bates step back from the panic that followed the federal Budget and ask what is actually changing in Australia’s housing mark...

13 Jun 43min

What the post-Budget property reset means for buyers and new builds

In this 2 Sense episode of the Australian Property Podcast, Pete Wargent and Chris Bates unpack what the post-Budget property reset is starting to look like in real time. The initial panic has eased, ...

6 Jun 46min

Senator Andrew Bragg on housing, tax and Australia’s productivity problem

This episode was originally featured on the Australian Investors Podcast. In this episode, Owen Rask sits down with Senator Andrew Bragg for a wide-ranging conversation about the Federal Budget, ho...

1 Jun 1h 2min