First Home Buyer? Here's What I Wish Someone Told Me with Bella Allan

Wanting to own a property is one thing. Knowing how to get there, without putting the rest of your life on hold, is another. I’m joined by Bella Allan, who is preparing to buy her first investment property. We talk openly about the questions behind that ambition: where to begin, whose advice to trust and what taking on a mortgage will mean for everyday life. What I appreciate about Bella is her willingness to ask, rather than pretend she already has it all worked out. It gives us a starting point for a conversation about money, expectations and finding a path that feels right for you. We look beyond saving a deposit to consider the decisions that shape a purchase. I explain what a mortgage broker does, how we’re paid and why the bank you’ve always used may not be the right fit for your circumstances. Bella also shares what she is learning about the difference between a property she loves and an investment that supports her goals. From location and rental income to growth potential, we discuss looking beyond appearances, doing the research and allowing yourself time to make a considered decision. For me, the heart of this conversation is what Bella wants to build beyond property: financial independence, personal security and choices about her future. She shares how separating her savings and putting her expenses into a budget has made her more aware of where her money goes. We also talk about setting realistic targets that leave room to enjoy life along the way. Whether you’re considering your first home, exploring an investment or working towards another financial goal, the question is not just what you want to achieve, but how to make the journey sustainable. *“I'm trying to enjoy the process and not rush into buying something that potentially, you know, may regret. and just because it looks perfect, you know, not the first property isn't always the best property.”* - ***Bella Allan*** We cover: - Bella Allan's journey toward buying her first home and investment property. - Motivations for entering the property market, influenced by family and partner. - Challenges faced in finding the right property and location. - Importance of understanding deposit requirements and borrowing capacity. - Strategies for balancing savings with lifestyle choices. - The role of credit scores and personal debt in the mortgage application process. - The significance of having a professional support team for first-time buyers. - Insights on property investment, including rental yield and capital growth. - The impact of market conditions on homeownership opportunities. - Financial habits and budgeting strategies for achieving property ownership goals. **Bella Allan:** https://dfys.com.au/ https://www.instagram.com/doneforyouservices\_ https://web.facebook.com/p/Done-For-You-Services [bella@dfys.com.au](mailto:bella@dfys.com.au) +61 405 855 582 **Connect With Tracy:** https://www.instagram.com/tracykearey https://www.mortgageadvicebureau.com.au/ https://www.linkedin.com/in/tracy-kearey/ https://www.facebook.com/TracyKeareyMAB/