{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"<iframe src=\"https://embed.acast.com/$/62fa0e8b26f5af0012802e7b/696ed9cec9b14af5c7e44180?\" frameBorder=\"0\" width=\"700\" height=\"250\"></iframe>","title":"602 mortgage check-ins, medical lending, building pitfalls, offset vs redraw + more","description":"<p>In this episode Dev is joined by returning guest Rachelle Kroon, founder of Sphere Home Loans for a mortgage and lending chat. They discuss:</p><p><br></p><p>👉 interest rates in 2026</p><p>👉🏾 why an annual mortgage review matters</p><p>👉🏿 common mortgage traps medical professionals fall into</p><p>👉🏽 why it's important to engage a mortgage broker who specialises in medical lending</p><p>👉🏻 offset vs redraw and why use each</p><p>👉 first home buyer schemes like the 5% guarantee vs shared equity</p><p>👉🏼 how banks locum, sole trader or newly self-employed? how banks really assess income</p><p>👉🏽 how construction loans work</p><p>👉 using valuations and equity strategically</p><p><br></p><p>Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.</p><p><br></p><p>Need a mortgage broker? Check out<a href=\"https://www.spherehomeloans.com.au/\" rel=\"noopener noreferrer\" target=\"_blank\"> https://www.spherehomeloans.com.au</a></p><p>Need to review your personal insurances? Head to<a href=\"https://skye.com.au/\" rel=\"noopener noreferrer\" target=\"_blank\"> https://skye.com.au</a></p><p><br></p><p>To chat with a professional and get help about your situation, <a href=\"https://www.moneypodcast.com.au/help\" rel=\"noopener noreferrer\" target=\"_blank\">click here</a>.</p><p><br></p>","author_name":"Dev Raga"}