INSIGHTS FROM EVERLEND
Blogs, podcasts and more.
Want to make smart moves with your money? Get property, finance and investment insights from the Everlend team.
Podcast: Finance File – Leveraging 90% & No LMI for Accountants
In this week’s episode of You Have My Interest, we explore the behind-the-scenes strategy of refinancing and cashing out
19 December, 2024
Construction Loans for First Home Buyers in Melbourne: Your 2025 Guide
Building your dream home may feel overwhelming, but construction loans are a game-changer for first-home buyers in Melbo
18 December, 2024
Struggling to Save for Homeownership in 2025? Home Loans with No Deposit in Melbourne Explained
Home loans with no deposit are expected to increase this 2025, as they become a popular option for Melbourne first-time
18 December, 2024
Capital Gains Tax on Investment Property: A Comprehensive Guide
Capital gains tax greatly influences the money you get after selling your investment property. It’s the tax charged on p
17 December, 2024
12 Fastest Growing Suburbs in Melbourne Ideal for First Home Buyers
Buying your first home is a huge milestone; hence, knowing the fastest-growing suburbs in Melbourne can make all the dif
13 December, 2024
Complete Guide to Guarantor Home Loans in Melbourne for First-Time Buyers
Guarantor home loans are a game-changer for anyone trying to buy a home in Melbourne, especially with today’s skyrocketi
13 December, 2024
Podcast: Guest – How to *Actually* Make Money From Property with Aife Raveche
In this episode, we sit down with Aife Raveche, founder and director of Raveche Property, to unpack actionable strategie
12 December, 2024
Podcast: Deep Dive – Vic Stamp Duty Scrapped & RBA Interest Rate Predictions
In this episode of You Have My Interest, we dive into key market updates, including the impact of RBA rates, the Home Va
05 December, 2024
Low Deposit Home Loan in Melbourne: A Complete Guide to Affordable Homeownership
A low deposit home loan can be a game-changer for Australians struggling to save enough for a house deposit. With Melbou
05 December, 2024
10 Tips to Secure Home Loans for Non-Residents in Melbourne
Securing home loans for non-residents in Melbourne can be a daunting task for both Australian expats and non-Australian
04 December, 2024
Home Loans for Low Credit Scores: Complete Homeownership Guide for Melbourne Buyers
Finding home loans for low credit scores in Melbourne isn’t easy for people seeking homeownership in the area. High prop
27 November, 2024
Navigating Contractors Home Loans: A Melbourne Homeowner’s Comprehensive Guide
For contractors, navigating contractors home loans in Melbourne can feel like a daunting task. But these loans are desig
27 November, 2024
Essential Guide to Single Mothers Home Loans in Melbourne
Finding single mothers home loans in Melbourne can feel like navigating a maze. For many single mums, juggling dependent
27 November, 2024
Accountants Home Loans in Melbourne: Your Homeownership Guide to Smart Financing
Securing accountants home loans in Melbourne can feel like navigating a maze, even for qualified professionals. Despite
26 November, 2024
Podcast: Finance File – First Home Super Saver + Buying Off Mum and Dad
In this episode of You Have My Interest, we follow a client’s journey and the steps taken to successfully purchase their
21 November, 2024
How to Refinance a Home Loan: 12 Expert Tips to Save Thousands on Homeownership in Melbourne
Knowing how to refinance a home loan in Melbourne can feel overwhelming, but it’s one of the smartest ways to reduce cos
19 November, 2024
How to Qualify for Commercial Property Loans in Melbourne: 12 Top Tips
Investing in commercial property loans can be a game-changer for businesses and investors looking to expand their portfo
18 November, 2024
Single Parents Home Loans: Homeownership Guide for Solo Income Households in Melbourne
Securing single parents home loans in Australia can be a tough journey. As a single parent with a dependent child and si
18 November, 2024
Podcast: Q&A – Live Borrowing Capacity Assessment & Structuring Joint Home Loans with your Partner
In today’s episode of You Have My Interest, we’re diving into some fantastic questions from our Instagram followers on t
14 November, 2024
Master Interest Only Home Loans: 10 Expert Tips to Optimise Your Investment Strategy in Melbourne
Interest-only home loans are a smart choice for Melbourne property investors looking to keep their cash flow flexible. B
13 November, 2024
Qualifying for Teachers Home Loans: A Simple Guide for Education Professionals in Melbourne
Qualifying for teachers’ home loans in Melbourne can be tough, with high property prices and strict lending requir
13 November, 2024
Low Doc Loans: The Self-Employed Buyer’s Guide to Homeownership in Melbourne
Low doc loans can be a lifesaver for self-employed people who struggle to secure traditional mortgages. Providing stand
13 November, 2024
Medical Professionals Home Loans: Your Complete Guide to No-LMI Mortgages in Melbourne
For medical professionals, home loans often come with unique advantages. Lenders favour doctors, nurses, and allied heal
13 November, 2024
Podcast: Guest – Practical Financial Planning with James Wrigley
In today’s episode, Evelyn sits down with James Wrigley, a certified financial planner from Melbourne, renowned for his
07 November, 2024
Podcast: Finance Files – How our First Home Buyers Avoided LMI with a Guarantor Loan and Smart Financial Planning
In this episode of You Have My Interest, we dive into another Finance File, sharing the inspiring journey of a first-tim
30 October, 2024
Podcast: Guest – Creating a Healthy Relationship with Money with Jess Brady
In this episode, Evelyn sits down with Jess Brady, a financial planner and a recent finalist in five categories of the 2
24 October, 2024
Podcast: Guest – The Right Mortgage Broker is Your Secret Investment Weapon with Vanessa Dallas
In this episode, Evelyn Clark is guest on ‘The Intrepid Investor’ Podcast with host Vanessa Dallas. The key
17 October, 2024
Podcast: Q&A – What is Debt Recycling & QLD First Home Buyer Savings
In this episode, Evelyn shares exciting updates for first-time home buyers in Queensland, including increased stamp duty
14 October, 2024
Podcast: Q&A – Expats, Foreign Income, Should I Fix My Home Loan? & Offset Accounts
In this week’s Q&A episode, we dive deep into key topics for Australian expats, smart offset account strategie
09 October, 2024
Podcast: Finance Files – Non Resident Investment Property Purchase
In this episode, we talk about helping a married couple purchase their second investment property, despite one partner b
03 October, 2024
Podcast: Deep Dive – Your First Home Buyer Bible – Borrowing Capacity, Deposits, Grants, Schemes & Concessions
In this episode of You Have My Interest, we provide a comprehensive guide for first-time homebuyers, covering everything
26 September, 2024
Podcast: Guest – Protect and Fix Your Credit Report with Daniel Walker
In this episode, Evelyn welcomes Daniel Walker, founder of Bon Voyage Credit Repair. They dive into common credit issues
18 September, 2024
Podcast: Q&A – Home Loan Benefits for Nurses & Refinance Traps
In this solo episode, Evelyn tackles some burning questions from Instagram about mortgages and refinancing. First, she d
12 September, 2024
Podcast: Bonus – Defining the 43 Most Common Mortgage & Property Terms
In this episode, we’re thrilled to introduce a valuable new resource: A Glossary of Key Mortgage & Property Te
05 September, 2024
Podcast: Guest – Data Driven Property Investment with Kev Tran
In this episode Evelyn welcomes Kev Tran, a buyer’s advocate and founder of Kev Tran Buyers Advocacy.
29 August, 2024
Podcast: Finance Files – Buying 2 Investment Properties with $55k Savings on $75k Income
In this episode, Evelyn takes us on a deep dive into a real-life case study showcasing the power of equity in property i
22 August, 2024
Podcast: Deep Dive – “LMI is Bad”, How Mortgage Brokers Get Paid & other Mortgage Myths
In this episode, Evelyn breaks down common mortgage myths that often mislead potential homeowners. With interest rates i
15 August, 2024
Podcast: Guest – House Hunting Hacks with Buyers Advocate Emily Wallace
In this episode, Evelyn sits down with Emily Wallace, Director and Head Buyers Advocate at Wallace Advocates, to explore
08 August, 2024
Podcast: Deep Dive – Properties Banks Won’t Finance
In this episode, Evelyn discusses the various types of securities that banks typically will not accept for residential l
31 July, 2024
Podcast: Guest – Part 2, Investment Strategies and Property Insights with Pierce Hanlen
In this episode we’re back for part two with Pierce Hanlen, Partner and Wealth Adviser at Hewison Private Wealth.
25 July, 2024
Podcast: Guest – Part 1, Investment Strategies and Property Insights with Pierce Hanlen
In this episode Evelyn is joined by Pierce Hanlen, a Partner and Wealth Adviser at Hewison Private Wealth.
18 July, 2024
Podcast: Finance Files – FHB Gov Guarantee Scheme Explained
In this episode Evelyn breaks down the First Home Buyer Government Guarantee Scheme. Evelyn provides a detailed look at
11 July, 2024
Podcast: Deep Dive – Borrowing In A Trust
In this episode, Evelyn dives into the world of buying properties and borrowing through trusts in Australia.
04 July, 2024
Podcast: Finance Files – Buying 6 Investment Properties by Age 30
In this episode, Evelyn shares great news for Australian mortgage holders: the cash rate remains unchanged this month, p
20 June, 2024Podcast: Q&A – What is Debt Recycling & QLD First Home Buyer Savings
In this episode, Evelyn shares exciting updates for first-time home buyers in Queensland, including increased stamp duty
13 June, 2024
Podcast: Guest – Your Self Worth = Your Net Worth with Accountant Vanessa Bamford
Evelyn sits down with Vanessa Bamford, a seasoned chartered accountant and financial coach, to explore the critical role
30 May, 2024
Podcast: Bonus – How to Become a Mortgage Broker
We’re bringing something a little different to you this week! Today, Evelyn is deep diving on how to become a mort
23 May, 2024
Podcast: Deep Dive – My Journey to Owning Two Properties by Age 26
Today our host Evelyn takes you on a deep dive into her own personal property journey. In this episode Evelyn talks abou
16 May, 2024
Podcast: Deep Dive – Self Employed Policies for Sole Traders and Companies
In this episode, Evelyn talks about all things self employed lending. Self employed finance is typically seen as ‘
09 May, 2024
Podcast: Finance Files – Buy and Sell without Bridging Finance
In this episode, Evelyn talks about how she assisted a long term client to sell a current property and purchase their ne
02 May, 2024
Podcast: Q&A – Pt 2: Using Equity, Investment Rates, Loyalty Tax and How to Beat It
This week, we head into part 2 of our client Q&A, where Evelyn answers four more questions in detail, covering off o
18 April, 2024
Podcast: Q & A – Pt 1: Buying investment property 2 & 3, income, equity and more!
Welcome to our latest Q&A episode, where we tackle four insightful questions sent in by one of our clients. In this
11 April, 2024
Podcast: Guest – Navigating the Property Market with Trent Alexander from Investments Accelerated
Let’s talk about all things property investment. To cover this big topic, Evelyn is joined by Trent Alexander, an
04 April, 2024
Podcast: Finance Files – 100% Overtime, Novated Leases and Cash Out for Renos
In this episode, Evelyn delves into the complexities of novated leases and their implications on loan applications and r
28 March, 2024
Podcast: Q&A – Client Asks Me Questions on Contract Work, Credit Cards and What Makes a Good Broker?
In today’s Q&A, Evelyn is sent a series of questions from a long term client. She explains how lenders view co
21 March, 2024
Podcast: Deep Dive – Understanding Secured vs Unsecured Commercial Lending with Jack Talbot from Leverage Capital
Today we talk commercial lending with Jack Talbot, Director at Leverage Capital. With experience at Bank of Melbourne an
14 March, 2024
Podcast: Deep Dive – Mortgage Refinancing Explained: When, Why and How to Refinance
In today’s deep dive episode we’re focusing on refinancing. Discover why people refinance beyond just seekin
07 March, 2024
Podcast: Deep Dive – The Economy State By State, Building Reforms & RBA Meeting Changes
In today’s episode, we’re diving deep into the state of the economy. Recently, Evelyn attended an event host
29 February, 2024
Podcast: Q&A – All Things Investing with Jess Clifford from Green Pockets
In this Q&A episode, Jess from GreenPockets answers questions from listeners alongside Evelyn, and discusses various
22 February, 2024
Podcast: Guest – Stocks or Real Estate: Deciding Your Investment Path with Financial Coach Jess Clifford
Join us for an insightful conversation with Jess Clifford from @greenpockets_ as we delve into the world of investing
15 February, 2024
Podcast: Deep Dive – Maximising Borrowing Capacity through Variable PAYG Income (OT, Allowances, Bonus & Commission)
In this episode, Evelyn delves into the world of home loan lending, focusing on ways to enhance your borrowing potential
08 February, 2024
Podcast: Finance Files: Self-Employed First Home Buyers in Victoria Approved with 18-Month ABN
In this episode, we explore an interesting client scenario featuring a first-time homebuyer couple in Victoria. What ma
01 February, 2024
Podcast: Q&A – Live Development Feasibility on 5 Potential Sites with Baz Komak
Today’s episode is a unique and exciting one as Evelyn brings back property development expert Baz Komak. This tim
25 January, 2024
Podcast: Guest – Residential & Commercial Property Development 101 with Baz Komak
Today we’re joined by Baz Komak, a successful financial planner turned property developer. Baz shares invaluable i
18 January, 2024
Podcast: Deep Dive – Money Habits We’re Leaving in 2023
In this short and sharp episode, Evelyn shares a power-packed list of money habits that she’s leaving behind in 20
11 January, 2024
Podcast: Bonus – Our Favourite, Impactful Guest Moments from 2023
This week we are bringing you the best of 2023 from the You Have My Interest podcast! As we kick off the new year, we
04 January, 2024
Podcast: Finance Files – Purchasing an Off the Plan First Home at 48 Years Old
Join us as we explore the world of off-the-plan property purchases with an interesting and detailed case study. Evelyn t
28 December, 2023
Podcast: Guest – From $70K in Credit Cards to Financially Free in 5 Years with Andy Lloyd
In this podcast episode with Andy Lloyd, we delve into his remarkable journey from financial struggle to achieving his g
21 December, 2023
Podcast: Finance Files – 6 Month Career Break, Day 1 Income, No Cash Down
Can you buy a property if you’ve only been employed for one day?! Listen in to this week’s episode as Evelyn
14 December, 2023
Podcast: Guest – Australian Investment Property Insights with Cate Bakos Property
Today we have a special guest with a wealth of knowledge in the world of Australian Real Estate. Cate Bakos, a chemistry
07 December, 2023
Podcast: Deep Dive – Guarantor Home Loans to Help Buy Property
In this episode, we take a comprehensive look at the world of guarantor loans. We explore how guarantor loans can be a g
30 November, 2023
Podcast: Q&A – Answering Listener Q’s – LMI, Equity, Bridging, IO Loans, First Home Buying
In a special Q and A episode, Evelyn tackles the big questions from listeners on a wide range of property and finance is
23 November, 2023
Podcast: Bonus – How To Buy Your First Home with Dylan Buckley
This week we have a bonus episode from our mates over at Dyl and Friends, where Evelyn sat down with Dylan Buckley to ta
16 November, 2023
Podcast: Guest – Mastering Data-Driven Property Investments with PK Gupta
In this episode we’re joined by PK Gupta, a successful property investor who has amassed a diverse portfolio in bo
09 November, 2023
Podcast: Finance Files – Purchasing a Winery with Foreign Income
Evelyn explores a client’s journey to materialise their dream retirement by purchasing a winery. It is one of our
02 November, 2023
Q&A – Rentvesting Vs Owner Occupying your First Home
What is rentvesting? What are its advantages? And who is it for? Ever wondered if you can buy a property (or build an en
19 October, 2023
Podcast: Deep Dive – What Property Should I Buy First?
Considering buying your first home, but have no idea where to start or what to buy? This episode is for you!
12 October, 2023
Podcast: Finance Files – SMSF Lending – An Alternative to Traditional Property Investment
In this Finance File episode, Evelyn explains how Self Managed Super Fund (SMSF) Lending helped a couple continue to exp
05 October, 2023
Podcast: Guest – Unraveling Private Lending: Insights with Nick Green of Oak Capital
In this episode, we’re joined by Nick Green from Oak Capital, as he and Evelyn delve deep into the rapidly evolvin
28 September, 2023
Podcast: Q&A – Interest Rate Update and Mastering Debt Consolidation
Wondering where interest rates are headed? This Q&A episode is for you.
21 September, 2023
Podcast: Deep Dive – Let’s talk about debt (consolidation), baby!
In this solo episode, Evelyn is talking about debt (consolidation), baby! Debt consolidation can be a handy way to help
14 September, 2023
Podcast: Finance Files – Bridging Finance – How to Buy and Sell at the Same Time
What is Bridging Finance? Join Evelyn this week as she explains the seemingly complex world of bridging finance through
07 September, 2023
Podcast: Guest – Breathwork, Meditation, Mental Health and Conscious Living with Sara and Dan from Yes&
On today’s show, Evelyn introduces Dan and Sara, two guests in a very different field – breathwork.
31 August, 2023
Podcast: Q & A – All Things Construction Loans
In today’s episode, Evelyn dives deeper into the world of construction loans, building on the insights from our pr
24 August, 2023
Podcast: Deep Dive – Navigating Construction Loans – From House & Land Packages to Custom Builds and Subdivision
As we kick off our new podcast format, Evelyn delves into the intricate world of construction lending in Australia.
17 August, 2023
Podcast: Guest – From First Home to Investment Empire: Your Property Buying Guide with Ravi Sharma
In this episode Evelyn and Maddie sit down with Ravi Sharma, an influential name in Australian real estate and a finalis
03 August, 2023
Podcast: Q&A – Safeguarding Your Future with Personal Insurance, featuring Phil Thompson
In this Q&A episode, our hosts Maddie and Evelyn sit down with Phil Thompson, a seasoned financial planner from Melb
28 July, 2023
Podcast: Guest – The Importance of Personal Insurance with Phil Thompson
In this episode, hosts Maddie and Evelyn interview Phil Thompson, a financial planner based in Melbourne, to discuss the
20 July, 2023
Podcast: Deep Dive – Health & Education Industry; LMI Waivers & More!
In this episode, Evelyn and Maddie discussed various policies available for medical professionals to obtain finance, inc
13 July, 2023
Podcast: Finance Files – How Working in the Medico Sector Can Help You
Do you work in a medical field and are wanting to purchase property? In this Finance Files episode, Maddie takes you thr
06 July, 2023
Podcast: It’s Tax Time! Investment Properties and Business with Accountant Ash Ross
In this episode, Maddie and Evelyn chat with accountant Ash Ross to uncover valuable insights and expert advice on maxim
29 June, 2023
Podcast: Guest – Where To Go When The Bank Says No with Sean Driscoll
In this episode, Evelyn and Maddie are joined by our Liberty Business Development Manager Sean Driscoll to delve into th
22 June, 2023
Podcast: Q&A – Your Self Employed Scenarios Answered
Join Maddie and Evelyn as they answer your questions surrounding your self-employed income and scenarios. We start off t
15 June, 2023
Podcast: Deep Dive – Self Employed Policies Explained
In this episode, Evelyn and Maddie talk about the intricacies of self-employed lending policies and what this could mean
08 June, 2023
Podcast: Finance Files – Purchasing a Property as An Expat
Are you an Australian wanting to purchase a property at home while living overseas? In this Finance Files episode, Maddi
01 June, 2023
Podcast: Guest – Navigating Asset Finance in the Lead Up to EOFY with Will Hamer
In this episode, we learn all about asset finance with Will Hamer from Hamer Finance, who shares valuable insights and s
25 May, 2023
Podcast: Q & A – Buyer’s Agents: Commissions, Growth vs Yield, Time to Buy, Regional vs Metro and More!
In this episode, we answer your burning questions with Buyer’s Advocate Aife Horsley, diving into the world of buyerR
18 May, 2023
Podcast: Deep Dive – Home Buyer Grants, Schemes, and Concessions Explained
In this episode, Evelyn and Maddie dive into the world of grants, schemes, and concessions which can significantly assis
11 May, 2023
Podcast: Finance Files – From Homeowner to Investor: How Our Clients Used Equity to Build a Profitable Investment Property Portfolio
In this episode, Maddie takes you through a quick property world update and then dive into the episode centred around ou
04 May, 2023
Podcast: Guest – How to Buy a Property That Will Stand the Test of Time with Aife Horsley
In this episode, Evelyn and Maddie sit down with buyer and vendor advocate Aife Horsley from Raveche Property Group to l
27 April, 2023
Podcast: Deep Dive – Unlocking the Benefits of Equity in Your Property
On this episode, Evelyn and Maddie explore the benefits of using equity in your property and how it can be a powerful to
20 April, 2023
Podcast: Finance Files – Have a Business and Pay Yourself a Wage? Use This to Buy Your Next Property
Property finance can be tricky if you’re a business owner! In this episode of Finance Files, Maddie shares an impo
13 April, 2023
Podcast: Q&A – Everything You Need to Know About Bank Valuations
Bank valuations are a key part of the property finance process for home owners and investors, so it is crucial to know e
06 April, 2023
Podcast: Guest – Finding Market Opportunities & Leaning into Disruption with Ruben Garcia
US real estate influencer Ruben Garcia joins the podcast to shift your mindset about what’s really possible in pro
30 March, 2023
Podcast: Q&A – Pre Approvals – Timing, Credit Scoring, HECS Debt & More!
Continuing on from our previous episode’s Deep Dive on Pre Approvals, Maddie hits Evelyn with the big questions on
23 March, 2023
Podcast: Deep Dive – Do You Need a Pre Approval?
Most people get a pre approval on their loan because they don’t know how much they can borrow, but in this Deep Dive epi
16 March, 2023
Podcast: Finance Files – How to Get the Most Out of Refinancing, Getting A Lower Interest Rate With Your Current Lender and Withdrawing Equity
In this Finance Files episode, Maddie unpacked a investor client story revealing the benefits of talking to your current
09 March, 2023
Podcast: Guest – How to Win at Auction with Award Winning Auctioneer Andy Reid
Auctions have become increasingly popular for property sellers, so it is essential for buyers to get equipped with strat
02 March, 2023
Podcast: Q & A – Borrowing Capacity – HECS, Rentvesting & More!
In this Q & A episode, Maddie hits Evelyn with the big and common questions around borrowing capacity, with some imp
23 February, 2023
Podcast: Deep Dive – How Borrowing Capacity Is Impacted By Rates
Every Australian borrower has been feeling the financial pinch with rising interest rates. But if you’ve had plans
16 February, 2023
Podcast: Finance Files – How the FHG Scheme Helped This Couple Stop Renting & Buy Their First Home
In this ‘finance files’ episode, host Maddie unpacks the story of a couple who was able to use the First Hom
09 February, 2023
Podcast: Guest – Inside the Mind of a Buyer’s Advocate with Emily Wallace
Australian property can be a tough place for would-be buyers, but there are few people who know how to navigate it bette
02 February, 2023
Podcast: Q & A – What’s the Best Product For You?
In the world of property finance there are thousands of loan products, many home loan types and various terminologies. H
26 January, 2023
Podcast: Deep Dive – How to Prepare for Your Fixed Rate Expiry
The cliff is approaching! 75% of all loans issued in Australia in 2020 were fixed rates, and many of these borrowers wil
19 January, 2023
Podcast: Finance Files – Maddie’s refinance and an unexpected $8,000
In our first ‘finance files’ episode, host Maddie unpacks all the details of her own recent refinancing stor
12 January, 2023
Podcast: Guest – Eliza Owen on the future of the market
It has been wild times in Australian property over the last few years. We’ve had prices at record highs, ‘in
05 January, 2023
Podcast: Q&A – Juicy q’s you’ve wanted to ask a broker
Tough questions, and insightful answers.
29 December, 2022
Podcast: Deep Dive – What is a mortgage broker?
Welcome to our new podcast, You Have My Interest!
21 December, 2022
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