Owni

Is Using Mum & Dad's Money to Buy a House Cheating? | OWNI Ep 5

Fri, 06 Nov 2026 06:00:00 +1100

Leave us a question! 🎤 https://owni.com.au/

46% of first home buyers get help from the bank of mum and dad. That includes guarantor loans and cash gifts, and there's no shame either way. In an age of comparison it's easy to look at someone's sold board photo and wonder how they bought for $1.4 million. Dion and David unpack how family help actually works, whether it's cheating or just using the hand you've been dealt, and why going it alone deserves real credit.

In this episode, you'll learn why a cash gift or parental guarantee doesn't increase your borrowing capacity (and what it does unlock), what happens when parents chip in extra money at auction and how stamp duty can jump between $700,000 and $750,000 in Victoria, and the worst case scenario with a guarantor loan: parents getting cold feet at the lawyer's office after the contract goes unconditional.

Perfect for first home buyers, parents thinking about helping their kids buy, and anyone weighing up a guarantor loan.

Chapters:

00:00 - Welcome back and send us your questions

01:16 - Property funny: new Victorian sales rules frustrate buyers

03:38 - The bank of mum and dad: how many first home buyers get help?

04:56 - The age of comparison and assuming family help

06:40 - Why your sold board photo gives away your price

08:16 - Is using family money cheating, or just smart?

10:56 - Does a cash gift increase your borrowing capacity?

12:17 - High income, no deposit: the doctor and lawyer scenario

13:00 - Parents chipping in at auction, and the stamp duty catch

14:29 - Worst case: guarantor parents pull out after you buy

16:02 - A family rift after settlement: refinancing out

17:08 - Leave a review and see you next week

OWNI is the podcast about the property buying journey, hosted by Dion and David. Every episode breaks down a stage of buying property in Australia, from getting your finance sorted to finding the right place and getting the keys.

📬 Stay Connected Website → https://owni.com.au/

⚠️ Disclaimer This episode is general information only and does not take into account your objectives, financial situation or needs. It is not financial, legal or tax advice. Speak to a licensed professional before making any decisions.

#owni #bankofmumanddad #firsthomebuyer #australianproperty #propertypodcast

Can You Buy a House Under the Asking Price in 2026? | OWNI Ep 4

Fri, 30 Oct 2026 06:00:00 +1100

Can you buy a house under the asking price in 2026? Short answer: yes. Twelve months ago buyers were paying 10% above the quoted range at auction. Now the quote is often what a property is actually worth, and some are over quoted. Most buyers treat the price range as the number that decides their offer. Dion and David explain why it doesn't, and why the people who buy under the range are the ones who ask the right questions about the property, the vendor and the competition. In this episode, you'll learn what each interest rate rise does to your borrowing capacity compared to an existing mortgage, how to find out what a vendor really wants so you can shape your offer around it, and the steps to take at an open so you know whether you are competing with anyone at all. Plus, a real story of buying a home under the range after an open with no one else there. Perfect for first home buyers, anyone house hunting while prices soften, and anyone who has been told by an agent that only an unconditional offer will do. Chapters: 00:00 - Introduction 00:31 - What a rate rise costs you 02:48 - Who does a rate rise hurt more? 04:53 - Can I buy something under the range? 06:03 - The quote doesn't dictate where you offer 07:14 - Markets are dropping 09:06 - HOW do you buy under the range? 10:35 - Ask MORE questions 12:38 - Doing things differently 14:00 - David's experience 16:09 - Outro 🏡 About OWNI OWNI is the podcast about the property buying journey, hosted by Dion and David. Every episode breaks down a stage of buying property in Australia, from getting your finance sorted to finding the right place and getting the keys. ⚠️ Disclaimer This episode is general information only and does not take into account your objectives, financial situation or needs. It is not financial, legal or tax advice. Speak to a licensed professional before making any decisions.

Was Buying a House Easier in the 80s? We Ran the Numbers | OWNI Ep 3

Fri, 23 Oct 2026 06:00:00 +1100

Leave us a question! 🎤 https://owni.com.au/ Was it easier to buy a house in the 80s? In 1986 the median house cost about $82,000 on an average wage of about $22,000. Today it is about $922,000 on about $108,000, so house prices have gone from 3.7 times the average wage to 8.5 times. But that is only half the story. With interest rates at 15.5% in 1986, repayments ate about 47% of a full time wage. Dion and David run the numbers on deposits, repayments and total interest to find out who really had it harder, and what the 5% deposit scheme changes. In this episode, you'll learn how long it takes to save a deposit now compared to 1986, what getting in sooner with a 5% deposit costs you in interest over the life of the loan, and how negative equity works so you can avoid it. Plus, how a handwritten letter helped win a property this week, and how to write one that makes your offer stand out. Perfect for first home buyers, anyone weighing up the 5% deposit scheme, and anyone who has had the "boomers had it easy" argument at a family dinner. Chapters: 00:00 - Intro 00:44 - We won a property with a handwritten letter 04:51 - Why this topic? 06:53 - Running the numbers 08:39 - Did Boomers feel the pain? 10:01 - Average wage today, won't buy the average house 12:15 - Accessibility comparison 14:09 - Negative equity 15:18 - Would you pick 1986 or 2026? 16:36 - What does the future hold? 17:39 - Outro 🏡 About OWNI OWNI is the podcast about the property buying journey, hosted by Dion and David. Every episode breaks down a stage of buying property in Australia, from getting your finance sorted to finding the right place and getting the keys. ⚠️ Disclaimer This episode is general information only and does not take into account your objectives, financial situation or needs. It is not financial, legal or tax advice. Speak to a licensed professional before making any decisions.

Is Now a Good Time to Buy a House in Australia? | OWNI Ep 2

Fri, 16 Oct 2026 06:00:00 +1100

Is now a good time to buy a house in Australia? Investor lending is down 10.2%, rents keep climbing, and buyer confidence is at a low. Dion and David think that adds up to a real window for first home buyers who are ready. Most buyers are hearing two stories online: build an investment portfolio, or rentvest and wait. Dion and David unpack why the budget changes have shifted the maths, why a first home buyer should care about rental yields, and why you should always ask whether the person telling you "it's a great time to buy" has something to sell you. In this episode, you'll learn how rising rents can cost you while you wait, what to look for in a home that is likely to grow in value, and how to decide if you are personally ready to buy, whatever the headlines say. Plus, why upgraders in Victoria are looking at a smaller price gap than usual, and Dion's run in the Financial Review over AI edited listing photos. Perfect for first home buyers, renters weighing up rentvesting, and owners thinking about upgrading. Chapters: 00:00 - Intro 00:37 - Fun Fact 04:16 - Is buying your own home the right move right now? 05:40 - Exercise caution when listening to sources online 07:05 - Why rising rents matter 09:20 - Buying the Right Home 11:10 - Investor lending is down 13:00 - Should you upgrade now? 15:40 - So is now a good time to buy? 18:12 - Will the market crash? 20:02 - Outro 🏡 About OWNI OWNI is the podcast about the property buying journey, hosted by Dion and David. Every episode breaks down a stage of buying property in Australia, from getting your finance sorted to finding the right place and getting the keys. ⚠️ Disclaimer This episode is general information only and does not take into account your objectives, financial situation or needs. It is not financial, legal or tax advice. Speak to a licensed professional before making any decisions. #owni #firsthomebuyer #australianproperty #propertypodcast #buyingahouse

Real Estate is Changing - Here's What YOU Need To Know | OWNI Ep 1

Fri, 09 Oct 2026 18:36:38 +1100

Today, we're going over all of the proposed changes to the Real Estate Industry, from 2026 and how you can take advantage of the new landscape as a buyer.

Welcome to Owni

Thu, 08 Oct 2026 19:05:28 +1100

Welcome to Owni!

Hosted by David Pelligra (Mortgage Broker) and Dion Marsden (Buyers Agent), Owni is an online guide to all the real estate lessons we didn't learn at school.

In this pilot episode, get to know your hosts, the purpose behind the podcast, and what you can expect in future episodes!