First Home Buyers – Penny Plan

Morgan Owen

Your first home purchase should be simple and exciting, but with so much finance info out there it can feel completely overwhelming. You are probably wondering if appointment with a mortgage broker so early on in your journey would be warranted, but you’re so keen to understand how much of deposit you need and what your borrowing capacity (aka how much money the banks will lend you) actually looks like and if you qualify for any of the every-changing federal and state grants and bonuses.

That is exactly why we created the Penny Plan for First home buyers. In this session we’ll walk you through the home buying process, deep dive into your budget and cash flow, run through a range of purchasing scenarios, understand your borrowing capacity and set goals and time lines for your all-important deposit! – You will leave this session with the scene set, your questions answered, feeling confident and empowered to keep saving towards your first home.

The cost of the Penny Plan is rebated back to you if after you settle on your new home if you choose us to be your Mortgage Broker. Double WIN!

Cash Flow and Budgeting Strategy Sessions

Morgan Owen

Where you direct your hard earn pennies is nothing but an indicator of what you value most. All our Penny Power Sessions involve a deep dive into your budget and cash flow to understand where you are at right now to give us clarity on what is most important to you financially. From there we will paint a picture of what we can achieve together, get you organised, develop a strategy, and empower you to act so that you can achieve your financial goals

Wondering where your money is evaporating to each month? Fun Fact – most of us are spending what we earn and sometimes, occasionally, every now and again… more than we earn (anyone with credit card debt knows exactly what I am talking about here). Trouble with that strategy? – it isn’t one. Instead, it’s head in sand, hoping that next week, or next month or next year will be better – hoping you’ll earn more, you’ll save more and circumstances will magically change for the better. How about instead of letting money rule your life, let money help you run your life?

A Penny Power Session will dive into your money story, your values and beliefs about money and your money mindset so that we can get your cash working as hard for you as you do for it! You’ll walk away from this session with a clear pathway forward including tangible tools and recommendations you can implement straight away!