In today's Q&A we've got resident mortgage broker and friend of the show, Rachelle Kroon from Sphere Home Loans here to answer all of your burning questions about property loans! Rachelle shares what she's seeing on the ground in the mortgage space and gets into your questions around:?? parental guarantees?? saving a home deposit in your parent’s bank account?? FHB concessions + eligibility if buying with a partner who has bought before? the lending process for a land purchase and build 12 months later?? investment property loan vs PPOR ?? using the equity in your home to purchase an investment? how do banks factor in your age when providing loans?? using the same mortgage broker for a PPOR & investment purchase?? having an interest only loan for your investment property?? refinancing - why and how do we do it??? how changing jobs affects lending?? subdividing? buying property in a trust structureNeed a broker in your corner for your next property purchase? Connect with the Sphere Home Loans team here.Thanks to Sharesies for supporting our Tuesday show! ✨ Get $10 added to your account ready to invest when you sign up to the Sharesies platform using the promo code MMM. Download the Sharesies app or visit https://bit.ly/sharesiesMMM. Promotion T&Cs apply.We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289. Hosted on Acast. See acast.com/privacy for more information.