Interest rates are super low right now, which is great news for people who have a home loan or are looking to apply for a home loan. Question is should you fix your interest rate, or should you go with a variable interest rate? How to contact Jo and Carl from Violeta Finance [email protected] 03 9775 0532 www.violetafinance.com.au Follow Claudia and The Renovate Avenue Facebook Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web

Should you keep your home and renovate it or knock it down and start again? That is the question that we're exploring in today's episode. I'm talking to Kate Merryweather about knockdown rebuild. She's sharing her real life experience. Now, if that topic sounds familiar to you, that's because I've spoken about knockdown rebuilds before, in last the season of the podcast. I previously spoke with Helen Al Hariri about her decision-making process around whether they knocked down and rebuild their family home or renovate it. And she decided to go down the renovation route rather than rebuilding. So I thought it would be really good this season to look at another perspective and speak to someone who ended up deciding to do a knockdown rebuild. So we're going to chat to Kate around why she decided to do the knockdown rebuild. What was involved in her decision-making process and any tips that she might have for you. How to contact Jo and Carl from Violeta Finance [email protected] 03 9775 0532 www.violetafinance.com.au How to find guests and presenters Follow Kate Merryweather of Dot Com Words Facebook Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web Guest bio Kate Merryweather of Dot Com Words Kate is a curious, professional (yet talkative) website copywriter with twenty years of experience in copywriting and corporate communications. Kate loves writing SEO copy for coaches, creatives and online business owners. Writing blogs and websites that humans love to read and Google loves to rank.

So you want to buy a house? Maybe it's your first home. Maybe it's your second. Maybe you're upgrading. One of the most common things that people wonder about when they're looking to buy a house, is how much deposit they'll need. Is it 20%? Is it 5%? Is it no deposit? In this episode, we’re going to answer that question. Carl Violeta joins me today and we go through exactly how much deposit you need or what the banks want for a home loan and what to do If you don't have very much deposit. Plus, what can you do instead? How to contact Jo and Carl from Violeta Finance [email protected] 03 9775 0532 www.violetafinance.com.au Follow Claudia and The Renovate Avenue Facebook Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web

This episode is going to be so much fun. We are talking about styling kids' bedrooms on a budget. So, parents, this one is for you. I'm going to chat with friend of the show, Claudia Brdar from The Renovate Avenue about how we can make our kids' bedrooms really, really special and beautiful and bring in some personality without breaking the bank. Claudia’s best tips include: Upcycling – let’s see what you can give a cosmetic lift to Incorporating colour with paint, decals or stencils Using chalkboard paint Wall stickers And more There are so many ways to make their bedrooms really fun and inviting. Take a listen and let us know what you think and how you have improved your kids' bedrooms in the past. How to contact Jo and Carl from Violeta Finance [email protected] 03 9775 0532 www.violetafinance.com.au Follow Claudia and The Renovate Avenue Facebook Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web Guest bio Claudia and her husband Pete have renovated small properties right through to large scale projects. Several years ago they bought a run-down 1960's weatherboard house (purchased for $460K) and ended up completing a major renovation ($75K), creating a beautiful sought after home ... on a tight budget! They set the suburb record for a property price of $1.035 million (2017)! They're currently renovating a 1960's brick house to sell. Both Pete and Claudia have a real hands-on DIY approach when it comes to renovating, focusing on achieving that ‘WOW’ factor ... thinking bigger, outside-the-box, and never afraid to take a risk. Claudia created The Renovate Avenue to share her knowledge, and inspire others to climb the property market via the renovation avenue, building a financially stable future to retire earlier (and do what you love).

The Dream Home Movement is back for 2021. This season we're talking about a range of property and home improvement related topics including: Styling kids' bedrooms Home loan deposits Mistakes new landlords make Sourcing furniture Property investing Granny flats Plus heaps more

A big goal for many people is to buy an investment property, however, it can also feel a bit out of reach like it's just too big of a goal. Plus it can be overwhelming and confusing so you can end up feeling like this dream will never come true. A lot of the time that's just not true, with the right advice, guidance and a good solid strategy in place, it can be a reality for many people. In this episode I’m chatting with Katie Marshall, the Founder of Chicks and Mortar and author of ‘Chicks and Mortar - A Woman's Guide to investing in property’. Katie is a Certified Property Investment Adviser with the Property Investment Association of Australia. We spoke about how to overcome fear when it comes to buying your first investment property, including how to overcome mindset blocks and how best to approach the fear of missing out. How to contact Jo and Carl from Violeta Finance: [email protected] 03 9775 0532 www.violetafinance.com.au Resources mentioned in the episode: Risk Profile Quiz - https://chicksandmortar.com.au/riskprofilequiz 20% of the book - Chicks and Mortar - A Woman’s Guide to Investing in Property. Use the code ‘Dream Home Movement’ in the checkout. Download the Property Investment (for beginners) Checklist: https://violetafinance.com.au/property-investment-for-beginners-checklist/ How to find guests and presenters Follow Katie Marshall Facebook Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web Guest bio Katie Marshall is a Designer, Project Manager, Property Investment Advisor, Author and Founder of Chicks and Mortar. Chicks and Mortar helps empower women to make smarter, more profitable choices when it comes to property.

Let’s get personal - how tidy are your drawers? Having a tidy, organised home can help lead to a tidy organised mind and of course it feels good too! So this episode we’re going to be giving you some tips and ideas on how to keep your home tidy. I’m chatting to Lisa Richardson from tidy.af and we particularly got stuck into how to keep your drawers tidy because let’s face it, they hide a multitude of sins! Plus who hasn’t got a junk drawer or 3!?! Another crucial area to keep organised is the pantry so join us and let’s dive into getting tidy AF. How to contact Jo and Carl from Violeta Finance [email protected] 03 9775 0532 www.violetafinance.com.au How to find guests and presenters Follow Lisa Richardson of tidy.af Facebook Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web Guest bio Lisa Richardson from tidy.af Lisa Richardson is the co-founder of tidy.af. She’s mum to four kids under 8, who were the biggest driving factor to start tidy.af. After having four kids Lisa came to understand just how important it is to stay on top of things and be organised. The initial spark for tidy.af came through an epic miscommunication. Like most good couples sometimes do, Lisa and her husband Jarrod, were having two separate conversations with one another, until at some point, the realisation was made that they were actually talking about two different things! The fusion of the two ideas led to the creation of the tidy.af and its main product, the Drawerganiser. Not content with just producing a functional product, Lisa was driven to find an eco-friendly way to build a drawer divider. Using sustainable materials, namely bamboo and cork, is central to the business ethos.

Joining us on this episode is Keryn Batsilas, Financial Adviser from your Life and Money Matters, an Authorised Representative of Avalon fs. Anything Keryn talks about is of a general nature and not to be used as personal advice. Whatever your property goals are whether it’s buying your first home, upgrading, downsizing, building a property investment portfolio, renovating your home or flipping houses for profit, finances play a key role. In this episode we’ll take you through the techniques Keryn uses with her clients to set strategic property goals and her expert tips on how to turn those goals into a reality. How to contact Jo and Carl from Violeta Finance: [email protected] 03 9775 0532 www.violetafinance.com.au Resources mentioned in the episode: Receive the monthly property market update: https://violeta-finance.ck.page/24570f5505 Download the Property Investment (for beginners) Checklist: https://violetafinance.com.au/property-investment-for-beginners-checklist/ How to find guests and presenters Follow Keryn Batsilas Facebook Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web Guest bio Keryn Batsilas, Financial Adviser from Your Life and Money Matters Keryn is a Financial Adviser specialising in working with Women, Couples and Families in their 20’s, 30’s and 40’s, helping them to live their best life now and in the future. Keryn has worked in financial services for over 15 years and 7 of those as a Financial Adviser. Keryn founded Your Life & Money Matters in 2018, to solve the money issues that Women, Couples and Families face. Keryn strongly believes that building your financial foundations early in life will help you achieve financial freedom sooner, but financial advice is not a one size fits all service. Keryn works with clients to understand their goals and objectives for their life and then tailors a package and strategy to achieve those goals. Anything Keryn talks about is of a general nature and not to be used as personal advice.

We're stepping outside for this episode. Talking with Adam Marsal from the Outdoor Society & Chris Austin from Austin Landscape Design about how the design phase of a landscaping project works. In this episode we go through: What the design phase of a landscaping project is How it works, from a practical perspective Why it's so important How to contact Jo and Carl from Violeta Finance [email protected] 03 9775 0532 www.violetafinance.com.au Follow Adam Marsal - Outdoor Society Facebook Instagram Website Follow Chris Austin - Austin Landscape Design Instagram Website Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web Guest bios Adam Marsal | Outdoor Society Adam is an expert in the construction industry, with over 12 years’ experience creating hundreds of beautiful outdoor spaces, with vast experience in both hard and soft landscaping as well as pool and spa construction. Growing up in Bayside Melbourne, Adam has always a keen eye for spaces influenced by water. He is extremely passionate about creating beautiful spaces that are awe inspiring. Personally, Adam is heavily driven by personal growth, innovation and building relationships. He manages to instill these attributes throughout the culture of his own business, translating into stronger results for both his team and his clients. With high expectations of himself, his strengths are in his attention to detail and the ability to create an exceptional high quality outdoor space his clients have always dreamed of. Adam oversees every project from concept to completion, ensuring a turnkey, personalised solution, delivered on-time and within budget. He manages all communication and expectations himself to deliver a result that simply amazes his clients. Chris Austin | Austin Landscape Design Chris has fifteen years' experience in the horticultural, construction and design industries, as well as having studied Sustainable Development at Murdoch University and Landscape Design at Swinburne University. Austin Landscape Design is a Melbourne based landscape design service developing landscapes and gardens for residential and commercial projects. Their team is passionate about creating exciting spaces that deliver in both their functionality and aesthetics. They also share a broader vision to reduce our ecological footprint by aligning ourselves with the values of environmental sustainability and using innovative materials and methods.

You may have heard in the news that the Reserve Bank of Australia (RBA) recently cut the official cash rate again. You also might be wondering what the RBA and the cash rate actually is and how you might be able to take advantage of the cut. In this episode, I deliver a jargon-free explanation of: How the RBA works What the cash rate is Why the RBA cut the cash rate What to do if your bank hasn’t passed on the cut How the cash rate cut might impact the property market Plus I give you the low down on what the cut means for you and how to take advantage of the cut. How to contact Jo and Carl from Violeta Finance [email protected] 03 9775 0532 www.violetafinance.com.au Links mentioned in episode: Is it harder to get a home loan now? Podcast episode with Carl Violeta https://violetafinance.com.au/is-it-harder-to-get-a-home-loan-now/ Sign-up for free monthly property market update https://violeta-finance.ck.page/24570f5505 Follow the Dream Home Movement Facebook Instagram Web Follow Carl and Jo Violeta Facebook Instagram Web Guest bio Jo's the marketing manager for Violeta Finance, an award-winning mortgage brokerage she owns with her husband Carl. Jo also hosts the Dream Home Movement, a podcast about home improvement and property. She’s a coastal loving mum of two, gardening and renovating enthusiast and a complete and utter self confessed marketing and social media geek.