# 819 using equity vs saving cash, agent underquoting, help to buy + more

Page: https://stenobird.com/podcast/this-is-property-1179356/819-using-equity-vs-saving-cash-agent-underquoting-help-to-buy-more
Text version: https://stenobird.com/podcast/this-is-property-1179356/819-using-equity-vs-saving-cash-agent-underquoting-help-to-buy-more.md
Podcast: [this is property](https://stenobird.com/podcast/this-is-property-1179356)
Published: 2026-05-19T19:10:00+00:00
Episode link: https://shows.acast.com/my-millennial-property/episodes/819
Audio file: https://sphinx.acast.com/p/open/s/62fa0d8926f5af001280299c/e/6a011d37c117aa79bf361d40/media.mp3
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JSON: https://stenobird.com/v1/public/podcasts/this-is-property-1179356/episodes/819-using-equity-vs-saving-cash-agent-underquoting-help-to-buy-more
Duration seconds: 2504

## Resource

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A, John & Rach discuss your questions about: 👉🏼 $500k equity in my PPOR, should I use it or save a separate cash deposit? 👉🏽 sell now to fund retirement or wait 5 years but risk it not being a seller's market? 👉🏾 single buyer with a $500k ceiling, is this the norm? What are my options? 👉🏿 why do agents underquote and what can buyers do about it? 👉🏻 I'm terrified of buying at the peak and ending up in negative equity! 👉 is the Help to Buy scheme worth it? 👉🏼 if wages aren't keeping up, can property really grow at 6% a year? this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

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## Transcript

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