S3_E9 You Can Buy A House!

My Happy Money Journey with Phoebe Blamey

On this episode of My Happy Money Journey, we’re talking about getting you home...especially for you if you are starting over after divorce or raising kids solo.

It’s not hopeless!!!

I had the absolute pleasure of chatting with Nittaya Phommachack, mortgage broker extraordinaire and finance whiz from our sponsor, Entourage.

Nittaya is a true champion for women and first-home buyers, she is also committed to busting myths around home ownership and getting more people home sooner…and she’s here sharing her insights and advice with you.

Nittaya stumbled into mortgage broking after uni and has turned it into over a decade of helping people achieve their property dreams.

One of the big topics we tackle is the financial hurdles women face, especially after a divorce.

Nittaya breaks it all down, from understanding your finances to exploring options like the government’s single parenting scheme. It’s a program that lets single parents buy a home with just a 5% deposit—making home ownership more achievable than ever, even without family financial help.

We also talk about the realities of part-time or casual work and how it affects borrowing power. Nittaya’s advice? Don’t get discouraged—take things step by step and find experts to help you navigate the process.

And for parents who want to help their kids buy a home but don’t have spare cash lying around, Nittaya shares the magic of family guarantee loans. It’s a creative way to help your kids get on the property ladder without breaking your own bank.

Nittaya also drops some amazing tips on budgeting, mindful spending, and figuring out what mortgage repayments you’re truly comfortable with (hint: it’s not just about what the bank says you can borrow), so that you can start thinking about getting home loan ready!

This episode is packed with so much gold!!

Nittaya’s warmth and expertise shine through, and she makes what can feel like a daunting process actually seem doable—and dare I say, exciting. I can’t wait to have her back for more of these amazing conversations!

You can get in touch with Nittaya via the Entourage website: https://entourage.com.au/staff/nittaya-phommachack/