Phoebe Blamey
speaker
357 appearances
1 recordings
1 series
first heard Apr 2022
last heard Apr 2022
Phoebe Blamey’s voice in public audio — every appearance, attributed to the second.
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Appearances
Yeah, because everyone's circumstances are so different.
And one of the things that we ask very, very early on is, are your parents going to help you?
And in what way would they like to help you?
Because one of the things that I notice a lot of mortgage brokers do is get a gift letter from a parent, but it's not necessarily a gift.
It's very important that you get that right because later on down the track,
When the couple separates, that's a gift to the couple.
But it wasn't really.
It was really a loan or it was really a something.
Banks don't mind if you're getting a loan from your parents that needs to be paid back in 20 years or when you sell the house or whatever the situation is with interest, without interest.
They don't care.
As long as you're able to service the debt plus the loan or as long as the loans are far in the future payback, they're happy.
Straight away.
Just as soon as you have the thought, you start looking and then come to a mortgage broker straight away because we'll help you on the whole journey.
And I think most mortgage brokers now have access to property reports and can go through scenarios and are available Saturday mornings.
And
i've been working on saturday mornings for 20 years i just i love it it is my most exciting i'm sitting there thinking okay what time's the auction what are we doing are they ready is everything okay i can imagine if you find out you only needed a five percent deposit and you were thinking that i've got to save 10 years to get 20 deposit like that really changes the from the journey you go on changes the journey so much and it's made such a difference to so many people that we've been able to help
And I really like it.
I really love these schemes.
I know Scott Morrison was a bit flippant the other day when he was saying, well, you can just go out and buy a house.
But I would say 90% of the people that we've got into a first home in the last three years are paying less mortgage than they were in rent.
Showing 321–340 of 357 · page 17 of 18
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