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725 ask a mortgage broker (lending options, pre-approvals, self-employed, structures + more)
Today we're answering your questions around mortgages and buying property with special guest Rachelle Kroon from Sphere Home Loans. Glen, John and Rachelle chat about:
ππΎ mortgage broker red & green flags
ππΏ do all brokers receive the same commission from a bank?
ππ» do mortgage brokers only deal with certain banks?
π how do you know you're being offered the best rate?
ππΌ is it a red flag if my broker is always suggesting one bank to me?
ππ½ what if a bank gets me a better rate?
ππ» can mortgage brokers help with navigating accessibility requirements?
π can you bump up your borrowing capacity with a higher deposit?
ππΌ do you have to spend the amount of your pre-approval?
ππ½ tips for securing a property when you're self-employed
ππΏ I just went unconditional on a property and the vendor died, what happens now?!
ππΎ and more!
Thanks to Sphere Home Loans for supporting the Tuesday show! Need a mortgage broker? Connect with the team here
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To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
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907b Glen is interviewed about investing, logic vs. behaviour, how to get started + more
50:59||Season 9To mix things up a bit friend of the show and financial adviser, Dawn Thomas, interviewed Glen about his investing book, The Quick-Start Guide To Investing. They touch on:ππΌ why Glen focuses on why you're investing before you startππ½ why your career is so important as an assetππΎ why foundations matter so much before you investππΏ the concepts of rich vs wealthyCheck out Dawn's podcast: Spotify | Apple PodcastsCheckout Glen's unofficial income guide: https://moneymoneymoney.typeform.com/income-guideCheck out Sort Your Career Out & Make More Money: https://amzn.to/3kXWjy2Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
907 taking adult kids off health insurance, savings vs offset, pay mortgage off early + more
51:42||Season 9Glen, Rachelle and John unpack your questions! They touch on:ππΌ when to cut off adult children financiallyππ½ savings accounts vs mortgage offsetsππΎ renting our home while moving to the countryππΏ paying off a mortgage within 10 yearsππ» home mods that save moneyRead Glen's blog about private health insurance hereSubscribe to this is property: https://www.youtube.com/@thisispropertyBuy tickets to the Auckland show! https://bit.ly/4a8v4a2Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
906b wwgd: single mum Chrissy wants to maximise her cash while living remotely
43:25||Season 9Apologies for the audio quality in this episode, we've been tackling some tech issues. We're onto it! In today's episode of "what would Glen do" Chrissy shares about her situation and asks for Glen's take on what to do.Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
906 how to make a property offer, single parent retiring early, unsure what to do next + more
01:00:24||Season 9Glen James, John Pidgeon and Rachelle Kroon answer your questions! They touch on:ππΌ needing first home buying advice - how much do we offer?ππ½ single mum with teens - how can I be ready for early retirement?ππΎ the community shares their goals for 2026ππΏ help me know what to do next!Buy tickets to the Auckland show! https://bit.ly/4a8v4a2Subscribe to this is property: https://www.youtube.com/@thisispropertyThank you for your patience as we are working on making the audio better, we know this might not be ideal for now but rest assured it's our number one priority atm.Watch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
905b the problem with side hustles + top tips for earning money on the side
01:06:51||Season 9Glen is joined by Kayla Malss, host of this is business to talk about side hustles! In this chat they touch on:ππΌ the 4 reasons to start a side hustleππ½ is what I'm doing a hobby or business?ππΎ how to start a side hustle (ABNs, business names, bank accounts, tax)ππΏ community experience with side hustlesSubscribe to this is business: https://www.youtube.com/@thisisbusiness_m3Follow Kayla on Insta: https://www.instagram.com/bykaylamalss/?hl=enWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
LET'S CHAT interest rate increase & government leak: changes to property CGT discounts in May?
38:49||Season 9Jumping on to discuss some newsy things that happened over the last 24 hours.Recorded on 4 Feb, approx. 2:30pm AFR article: https://www.afr.com/politics/federal/changes-to-cgt-discount-under-consideration-as-reform-budget-looms-20260203-p5nz1aRBA mins here: https://www.rba.gov.au/monetary-policy/rba-board-minutes/2025/2025-12-09.html
905 $450k after selling an IP, grow wealth without property, burnt out in nursing + more
01:00:56||Season 9Glen and Rachelle unpack your questions, touching on:ππ½ we have $450k after selling an investment property, now what?ππΎ property investing vs ETFs - which one is right for me?ππΏ nursing has burnt me out and considering working in the cafΓ© sceneππ» investing in super for kids - worthwhile?Buy tickets to the Auckland show here: https://bit.ly/4a8v4a2Checkout Glen's unofficial income guide: https://moneymoneymoney.typeform.com/income-guideCheck out Sort Your Career Out & Make More Money: https://amzn.to/3kXWjy2Watch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
904b when to sell shares, dying with zero, is Aus property really safe + more (campfire chat)
02:09:50||Season 9Glen and Vince take a seat by the fire, munch on some marshmallows and answer your investing/money/economic questions in a campfire chat! They touch on:ππΌ when do you sell shares or ETFs that have performed well?ππ½ invest in shares or focus on mortgage offset - implications over 10/15 years?ππΎ dying with zero - what do Glen and Vince think of this concept?ππΏ joint investment accounts with a partner, worthwhile?ππ» what's a 3-year investing plan for a 30 year old?π why is gearing in shares not as popular as property?ππΌ the perceived ETF bubble - is it a thing?ππ½ what is modern monetary theory?ππΎ is property in Australia really "safe as houses"?ππΏ Life Sherpa Invest portfolio returnsCheck out Life Sherpa Invest: https://lifesherpa.com.au/investSubscribe to this is investing: https://www.youtube.com/@thisisinvestingWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
904 mortgage update (equity, fixed vs. variable, parental guarantees, self employed + more)
01:00:07||Season 9January is prime time for a mortgage reset so for this episode Glen is joined by Rachelle Kroon from Sphere Home Loans for a lending update and a chat about:ππΌ why January is a good time to review your mortgageππ½ equity explained and how it can lower your interest rateππΎ fixed vs variableππΏ repricing vs refinancingππ» how parental guarantees workπ the government 5% deposit scheme risks and benefitsππΌ increased flexibility in lending for self-employed peopleππ½ Rachβs top tips if you own a home or are planning to buy in 2026Subscribe to money money money on Youtube: https://www.youtube.com/@m3.podcastSubscribe to this is property: https://www.youtube.com/@thisispropertyLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donβt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.