When’s the right time to speak to a mortgage broker? Most first home buyers think it’s once they’ve saved the full deposit or found the perfect property, but waiting can cost you time, money, and confidence.

In this episode, Jack Elliott and Chris Bates explain why engaging a broker early (6–12 months out) can be a game-changer. You’ll learn how brokers help you plan strategically, ask the right questions, and align your situation with the right loan strategy, structure, and lender.

If you have a goal to buy, now’s the time to start the conversation.

In this episode:

🔑 The biggest timing mistakes first home buyers make

🔑 A real self-employed client story: balancing business tax and mortgage goals

🔑 What brokers actually do (beyond comparing rates)

🔑 Why loan strategy matters more than interest rates

🔑 Your timeline: what to do 6–12 months and 3–4 months out

00:00 – When is the best time to speak with a broker?

02:42 – Real story: self-employed client & tax return timing

03:45 – The value of working with a broker early

05:30 – Why use a broker? Policy-matching vs rate-hunting: what actually matters

08:45 – Brokers as sounding boards for life decisions

10:20 – What to expect 6–12 months out from buying using a broker

11:35 – What to expect 3– 4 months out from buying, the action step

13:00 – Pre-approval, lender selection, and getting ready to buy

🎧 Listen now to build confidence and start your journey with the right strategy in place.

Want to keep the conversation going?

👉 Join the First Home Unlocked Facebook Community

📅 Book a chat with Jack for tailored support

📱Follow Us on social media: Instagram, TikTok, Youtube

firsthomeunlocked.com.au