First Home Unlocked
Jack Elliott
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Recent Episodes
39 - Unlocking the Real Risk of Buying with a 5% Deposit and How to Protect Yourself
If you've been reading the news or scrolling through social media this week, you've probably seen some headlines about first home buyers using the 5% deposit scheme and something called negative…
38 - Unlocking How Banks Assess Self Employed Income
If you're self-employed, banks will usually need more from you before they'll lend compared to a PAYG employee. Understanding what banks are looking for means you can present your income in the best…
37 - Unlocking the 2026 Federal Budget & What it Means for First Home Buyers
The Federal Budget just changed the property market overnight, and the government is calling it a win for first home buyers. If you're a first home buyer, you're probably seeing a lot of headlines…
36 - Unlocking How Banks Assess Casual & Contract Income
Casual and contract workers make up more than a quarter of the Australian workforce. If you're a casual or contract worker, there are absolutely ways to borrow. It just comes down to understanding…
35 - Unlocking How Banks Assess PAYG, Overtime, Bonus & Allowance Income
Income is one of the biggest drivers of your borrowing capacity, but banks don't just look at how much you earn. They look at how you earn it and depending on your situation, the same salary can…
34 - Unlocking How Banks Decide What You Can Borrow as a First Home Buyer
Borrowing capacity isn't just about your income, and it's not the same at every bank. Banks are also looking at your deposit, your debts, your spending, your credit history, and even the property…
33 - Unlocking Rising Rates, Market Uncertainty and What It Means for First Home Buyers
There's a lot happening right now. Another interest rate rise, global uncertainty, fuel and supply issues, and a federal budget just around the corner. If you're a first home buyer, you might be…
32 - Unlocking How to Buy Strategically with a Gift, Inheritance or Large Deposit
If you've saved a significant deposit, received a gift from family, or come into money through inheritance, you're in a strong position as a first home buyer. But having more cash doesn't…
31 - Unlocking the Power of Offset & Redraw for First Home Buyers
Understanding how offset accounts and redraw facilities work can save you thousands in interest and years off your home loan. But most first home buyers have never been taught the difference between…
30 - Unlocking How to Handle the Pressure of Buying Your First Home
Buying your first home is a big decision, and it often comes with a lot of external pressure. Pressure from family, friends, media headlines, and sometimes even from yourself through comparison and…
Bonus - Unlocking What the Rate Rise Means for First Home Buyers
In early February 2026, there was an interest rate rise announced by the Reserve Bank of Australia (RBA). Jack Elliott and Chris Bates talk through what this actually means for first home buyers and…
29 - Unlocking How to Buy Your First Home in 2026: Part 2
If buying your first home is part of your plan for 2026, this two-part series is designed to give you a clear, step-by-step framework to follow.In Part 2, Jack Elliott and Chris Bates move into the…
28 - Unlocking How to Buy Your First Home in 2026: Part 1
If buying your first home is part of your plan for 2026, this two-part series is designed to give you a clear, step-by-step framework to follow.In Part 1, Jack Elliott and Chris Bates walk through…
27 - Unlocking Our 2025 Lessons & Reflections for First Home Buyers
In this final episode for 2025, Jack Elliott and Chris Bates reflect on the biggest lessons and insights from working with first home buyers over the past year.We talk through what changed in the…
26 - Unlocking the Federal Government 'Help to Buy' Shared Equity Scheme
The Federal Government’s new Help to Buy shared equity scheme has officially opened, and for some first home buyers it could help bridge the gap between borrowing capacity and the cost of a quality…
25 - Unlocking Interest Rates and Why They Move
Interest rates are one of the first things first home buyers focus on. In this episode, Jack Elliott and Chris Bates break down what an interest rate actually is, who sets it, and why it changes over…
24 - Unlocking Lenders Mortgage Insurance (LMI)
Lender’s Mortgage Insurance is sometimes a misunderstood part of buying your first home. Most people know it shows up when your deposit is under 20%, but not everyone understands what it actually is,…
23 - Unlocking Your Loan to Value Ratio (LVR)
Your Loan to Value Ratio (LVR) is one of those terms you’ll hear a lot when applying for a loan, but not every first home buyer understands how it actually impacts your interest rate, your approval,…
22 - Unlocking Repayment Frequency: Does Fortnightly Really Save You Thousands?
You’ve probably seen the claim online that paying your mortgage fortnightly will save you thousands in interest. In this episode, Jack Elliott and Chris Bates break down why that isn’t always true,…
21 - Unlocking How Your Mortgage Actually Works
Most first home buyers think a mortgage is just a loan but understanding how it actually works can help you use it as a tool for long-term flexibility and freedom.In this episode, Jack Elliott breaks…
Frequently Asked Questions
First Home Unlocked has published 41 episodes since June 2025, covering topics in Business, Education.
First Home Unlocked is currently highly active with new episodes weekly. Average episode length is 19m.
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