Craig

Fully assessed pre-approval, especially for first-time buyers.

You know, when it comes to going to auctions, this is very, very important because there are two types of pre-approvals, aren't there?

Have you kind of inherited some of these people that have done that where they're not fully approved and they've gone to an auction?

And they've committed that ultimate sin and perhaps they've then said, because they might not have had a mortgage broker, and they've said, well, maybe we need a mortgage broker in the mix here.

We've got ourselves a bit unstuck.

That is really tragic.

When people, first home buyers, are losing their deposit, they may have been spending four or five years saving up.

There's a chunk of that money that they're just not going to recoup.

And make sure that you are engaging with a broker, because I'm still amazed, as you are probably,

that people are going about this on their own without taking professional advice.

And it's free.

It's not costing you anything.

I think somewhere along the line, there's a short circuit wire that is telling them that mortgage brokers is something that they have to pay for.

Now, let's have a look at a livability ranking because a recent KPMG livability study ranks hundreds of Melbourne suburbs based on amenities, affordability and lifestyle.

And it is showing that inner city and family friendly outer areas remain highly desirable.

And just a point in case here, a lot of your clients are wanting to buy in the inner ring suburbs, aren't they?

And what are you hoping to see in this calendar year, 2026?

I've said this late last year, probably won't be as volatile as 2025.

We hope not, but when I said that, there wasn't much talk about the rates going up, but now there is.

Yeah, me too.