Knowledge hub

From Deposit Roadblocks to Smart Pathways into the Property Market

Back to podcasts

By Hayley Boneham Podcast | The Purposeful Investor

We unpack how families can help first-home buyers enter the market without risking retirement, and why honest conversations plus clear numbers beat media noise. Practical steps include guarantors, 5% deposit schemes, rentvesting, and legal safeguards for gifts.

• social pressure and silence blocking helpful family talks
• role of the mortgage broker as long-term advisor
• apartments and location as smarter first steps
• four family help paths: guarantor, gift, silent stake, co-borrow
• using splits, offsets, and timelines to remove guarantees
• 5% deposit schemes and avoiding lenders’ mortgage insurance
• rentvesting to boost borrowing capacity
• legal protection for gifts and fairness across siblings
• savings incentives, living at home, and granny flats
• career trajectory, buffers, and repayment resilience

The information provided on this site is of a general nature only and may not be relevant to your particular circumstances. The circumstances of each investor are different and you should seek advice from a financial planner who can consider if these strategies and products are right for you.

Plan your future
Get in touch

For trusted financial and investment planning advice, reach out to our friendly team today. We aim to respond to all enquiries within two business days.

Click here to view our Privacy Policy

Ideas & insights

Knowledge Hub

Why 60% of Australians are Headed for an Estate Planning Disaster with Morgan Solomon

Podcast | The Purposeful Investor • podcast

What Most Investors Get Wrong About the Market with Apollo Lupescu

Podcast | The Purposeful Investor • podcast

Why This Budget Punishes Aspiration Not Wealth

Podcast | The Purposeful Investor • podcast

Why a Booming WA Economy Still Leaves Families Anxious with Kristen Turnbull

Podcast | The Purposeful Investor • podcast

Response to the 2026 Federal Budget

Markets and Investments • Article