building
buying a first home is bloody confusing. you are not alone in not getting it.
I'm Nicola, and I'm doing this with Dad — a broker who's been at it long enough to know where it gets weird. Five questions and I'll send you the four episodes you actually need to start.
why this exists.
Buying a first home is the biggest money decision most of us will make. And the people who could explain it properly — brokers, lenders, conveyancers — usually speak a language that makes you feel stupid for asking.
So I asked Dad. He's a broker. He talks to first home buyers all day and he knows exactly where they get stuck.
Every week we sit down and he answers the question I asked him over breakfast. No jargon for the sake of jargon. No "the bank knows best". No selling you a product at the end.
Just what's actually going on, said plainly, by someone who has zero reason to spin it.
latest from the show.
Three honest first-home chats. Mostly under 25 minutes.
deposit
Episode 33
deposit
Episode 32
free guides.
Short PDFs. Plain English. Things Dad explained to me that I wish someone had explained sooner.
The Deposit Roadmap
The $10k-to-keys path most people don't get told about — and the four moves that actually shorten it.
What the Bank Won't Tell You About LMI
Lenders Mortgage Insurance — the fee you pay so the bank feels safe, not you. The 5% Deposit Scheme, who actually qualifies, and what nobody mentions about the trade-off.
The $25k Suburbs Map
Adelaide, Melbourne, Brisbane suburbs where a $25k deposit still gets you keys. Updated each season — current as of this PDF.
when you're ready to actually do this, Dad's the one I'd send my best mate to.
No-one has ever called him "guaranteed approval Dave". He just sits with you, looks at the maths, and tells you what's possible right now. He's helped more than 130 first home buyers do this. Including, soon, me.
Talk to Dad's team →