James (Host - Lighthouse Financial Advisor)

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2,966 appearances 15 recordings 1 series first heard Jul 2026 last heard 20 Aug

James (Host - Lighthouse Financial Advisor)’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 15 in all, peaking in Aug 2026 with 9.

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Cheques and Balances · Buying Your First Home? 3 Ways Your Parents Can Help | Episode 524 · 16 Aug 2026 podcast

Yeah. voice-verified

So having it as a loan probably helps with that as well. voice-verified

What are your thoughts on a voice-verified

Like buying with a 10% deposit without having your parents involved, versus you've got 10% and then you're using their equity for the other ten percent. voice-verified

I mean like the whole Royal Commission in Australia, a lot of this was tied towards these type of loans where um parents were going, I trust little Johnny. voice-verified

Little Johnny's a good kid. voice-verified

Turns out Little Johnny's actually a piece of shit. voice-verified

And then they uh went down on that loan and then the parents got kicked out of their house. voice-verified

If your parents aren't working, like they have no income, uh, like essentially we're talking about the parents getting debt out in joint names with the children. voice-verified

Yep. voice-verified

Can that situation work if they have no income to service the debt? voice-verified

Uh well they'll have uh superannuation. voice-verified

Um god voice-verified

money and go and service alone. voice-verified

But then voice-verified

But they can really help, right? voice-verified

I think Mike, like the whole equity piece quite interesting because if you are, if your parents are maybe in their 60s and you're 30 and they've owned a home for 20 odd years, there's not a I mean, there's people out there using the equity, but it's not a huge percentage of the market. voice-verified

So part of me goes like voice-verified

Is this like a completely underutilized tool that more people could get be getting onto the property ladder? voice-verified

Um, so I'm keen to talk about that. voice-verified

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