In this episode Genevieve Lyons and Joe Carroll from Sphere Home Loans join Glen to work through your questions about:

👉 is it harder to refinance a smaller loan?

👉🏼 how to help my daughter who is a single mum to buy a home

👉🏽 banks won't lend to me because I'm retired

👉🏾 getting loans after ago 50

👉🏿 getting a loan for a downsizer instead of using bridging

👉🏻 helping children in their 20s to buy their first home

👉 what is a parental guarantee and how does it work?

👉🏼 how often should I review my mortgage rate?

👉🏽 structuring my IP loan

👉🏾 low doc loans

👉🏿 Joe & Genevieve discuss the current lending landscape

The Quick-Start Guide to Your First Property by Glen James & Rachelle Kroon is available now: https://amzn.to/4svhyoH

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.

In this episode Glen and Vince Scully are joined by Dr Joanne Earl, organisational psychologist, retirement researcher of 20 years and as of recently, a retiree herself. She's now putting her own research into practice in real time. The episode touches on:

👉 what the research actually says about a happy and successful retirement

👉🏼 the three reasons people leave earlier than planned

👉🏽 Jo's retirement transition experience

👉🏿 is 'retirement' dead?

👉🏾 when's the best time to retire & the four enoughs framework

👉🏻 when's the best time to plan your retirement

👉🏽 navigating identity shifts in retirement

👉🏿 how do I find my thing?

👉 how do I prevent cognition decline?

👉🏼 how do I deal with relaxation guilt?

Websites mentioned in the chat:

https://www.liveup.org.au/

https://retirementdr.com.au/

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.

Joining Glen for another Q&A is Justin Bott from Services Australia! In this episode they touch on:

👉 does Centrelink look back at your bank accounts and assets from the five years before you turn 67?

👉🏼 what happens to your Jobseeker payment if you access super between age 60 and 67

👉🏽 can older Australians who've never owned a home access the Help to Buy scheme?

👉🏾 will my 25-acre hobby farm affect my age pension eligibility?

👉🏿 DSP vs age pension at 67 - do you have to transfer and should you?

👉🏻 what is deeming?

👉 how does Services Australia assess defined benefit pension income

👉🏼 what happens to my defined benefit pension if I die?

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.