The Property Now Podcast

If I started Investing In 2026, This Is What I Would Do (First Home buyer edition)

Matt Ellul Episode 8

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0:00 | 20:28

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In this episode, Matt breaks down the exact step-by-step process he would follow if he were starting his property journey from scratch as a first-home buyer in 2026. From killing the forever home myth to exploiting government schemes most people ignore, this episode is the no-fluff playbook for getting your foot in the door and building real wealth, not just owning a home.


◼️ Why waiting for your dream home as your first property is the most expensive mistake you can make
◼️ How rent vesting lets you live where you want while your investment does the heavy lifting
◼️ Why you do not need a 20% deposit and the low-deposit schemes that can get you in now
◼️ How to use your tenant and the taxman to pay down your debt faster
◼️ Why your borrowing capacity is your real currency and how to protect it
◼️ The consumer debt traps that silently destroy your ability to get a loan
◼️ How to clean up your bank statements before submitting for finance
◼️ The 2026 government schemes most first home buyers completely ignore
◼️ How to identify high-growth micro markets without relying on misleading media headlines
◼️ Why analysis paralysis kills more wealth than any bad market ever will


00:00:00 Introduction
00:00:38 Kill the Forever Home Myth Your First Home Is Not Your Dream Home
00:02:15 Why Waiting for the Right Time Is Costing You More Than You Think
00:03:30 Rent Vesting Decouple Where You Live from What You Own
00:05:00 Smaller Deposits Get You In Now What You Need to Know
00:06:20 Use Your Tenant and the Taxman to Pay Down Your Debt
00:07:45 Focus on Serviceability Over Deposit Size
00:09:00 Destroy All Bad Consumer Debt Before You Apply
00:10:30 How to Clean Up Your Statements Before Going to the Bank
00:11:50 Exploiting the 2026 Government Schemes Most People Ignore
00:14:00 How to Find a Proactive Mortgage Broker Who Works for You
00:15:20 Hunting Micro Markets Where to Buy in 2026
00:17:00 What Infrastructure Spend and Demographic Shifts Tell You About an Area
00:18:30 Stop Being Fussy Done Is Better Than Perfect in Property
00:19:45 Final Take: Commit to the Strategy and Trust the Process


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