Hunter Galloway

Home & Hosed is a 7 step course where I will teach you how to navigate the complexities of the property and finance market. These techniques and strategies can be used by anyone who is looking at buying a home - even the seasoned experts will find a few gems inside.

I’ve spent thousands of dollars and hundreds of hours documenting the entire home buying process from start to finish. And I’m putting it online for free, for anyone to use.

This isn’t going to be like those dodgy real estate "seminars" where some spruiker promises the world but spends the whole time trying to sell you on his fantastic property investment system available at the low, low price of just $10,000. 

There is no hard sell at the end of this course. No strings attached. Just solid training and advice on how to buy your first home without the stress. 

We’ve spoken to hundreds of first home buyers here at Hunter Galloway, and I’ve heard many of you asking the same questions, so I know this is something that you want. 

Here's what you've told me:

I don’t know where to start?

It’s always frustrated me how buying a home is such a huge part of your life, but there isn’t anywhere you can go to learn about the process from start to finish. There’s information in blogs, videos and banking sites all over the internet, but it’s all spread out in bits and pieces. There’s nothing out there that gives you the full picture. With our Step by Step New Buyers Guide, we’ll walk you through the entire home buying process, so you will know exactly where to start. No more spinning wheels reading blog after blog and not taking any action. 

Do I have enough money to start the process?

Everyone always talks about that golden 20% deposit, but in today’s market it feels like your savings can barely keep up with the property prices. By the time you’ve saved up a 20% deposit, housing prices have increased and you’re exactly back where you started. In module 2, we’ll give you the low down on how much deposit you really need, so you can know exactly when you’re ready to make the leap. Here’s a quick tip: in many cases, you don’t need to wait until you have a 20% deposit. 

Should I wait a little longer and save more of a deposit and see how the market plays out, or is now an OK time to buy?

These days it seems like every man and his dog is a real estate expert with their own opinion on the property market. The problem is - no one seems to agree on whether it’s going to go up, down or sideways. In module 1, you’ll learn how to cut through all of the noise and figure out whether now is the best time for you to buy. 

What sort of concessions are out there, and how do I do it right so I don’t miss out on them?

If you’re a first home buyer, the good news is that there are several grants and concessions that can give you a leg up when you’re buying your first property. We’ll show you exactly what’s available and how to make sure you get the maximum benefit. This module alone could put an extra $15,000 in your pocket!

Should I use a broker or go straight to the banks?

Going directly to a bank is fine if you know exactly what you’re looking for. But there’s always a chance that you might have missed something, and when the difference between an “OK” loan and the best loan available can end up costing you tens of thousands of dollars over the lifetime of your loan, you want to make sure you’re getting the right one! In Module 3 we will give you an unbiased comparison of the advantages and disadvantages of banks vs. Brokers so you can make an informed decision on who to go to for your loan. 

Should I get a pre-approval now in case the perfect house comes along?

Securing a formal home loan pre-approval is the best way to bargain for a good price with the seller. Some real estate agents and vendors won’t actually accept your offer if you don’t have a pre-approval. BUT they only last 90 days in most cases and they are not always reliable. We’ll show you when is the right time to get a pre-approval and how to make sure that your documents are fully verified during the pre-approval process so you’re not left in the lurch when it finally comes time to put down an offer. 

Is it more difficult for first home buyers to get their loan approved at the moment?

The Royal Commission has created a lot of uncertainty for homebuyers at the moment, so if you’re worried about getting your loan approved, you’re not alone. In Section 3, we’ll give you the latest update on the banks lending criteria and show you how you can maximise your chances of getting your loan approved. 

How much of my annual income should I spend on home ownership?

The last thing you want to do is overextend on your loan and end up living off baked beans just to afford the payments for your mortgage. Believe me, I’ve been there. In Module 3, we’ll give you the benchmarks for how much you should expect to spend on home ownership and make sure you’ve still got enough money left over to go on holidays and be able to afford that smashed avo on toast without feeling to guilty. 

What sort of total expenses am I looking at for the whole process?

Buying a home is a minefield full of hidden costs. We’ll give you the rundown on all of the fees and charges that they don’t tell you about (and how much you can expect to pay) so you avoid any nasty surprises during the home buying process.

What other parties do I need to get involved? Solicitor? Conveyancer? How do I find them?

You’re going to need a support team to help you get across the goal line. In Module 6, we’ll explain who you need to talk to, when you need to talk to them, and how to pick out the good ones from the bad ones. 

When should I start viewing properties? How long will it take to find the right place?

This probably won’t surprise you - it’s probably going to take you a little while to find the right place for you and your family. In section 4 you’ll learn when to start viewing properties and get a realistic expectation for how long it will take you. Quick hint: you should start viewing properties a lot earlier than you think.

Should I hire a buyer’s agent? I’m not experienced or familiar enough with the process?

Buyer’s agents can be a great benefit, or a terrible waste of money. We’ll give you the lowdown on buyer’s agents (including what questions to ask them to make sure you’ve got one of the good ones) so you can decide whether to use their services or go it solo.

How do I find a good property?

There’s more options for property buyers these days than ever, which is both a blessing and a curse. You’ll learn how to choose the right property criteria so you know what to look for and how to spot a good deal when you see it. 

What rules do you use to select winning suburbs from terrible suburbs?

We all know that property is about ‘location, location, location’. But sometimes the winners and losers are only separated by a couple of blocks. In Section 4, we’ll give you the tools and strategies that the pros use to find the suburbs with the best attributes for the best price.

I’m sick of renting. Is that a good enough reason to buy a property?

We get it: renting sucks. But is that really enough of a reason to buy property? In Section 5, we’ll teach you how to make an honest assessment to decide if you’re really ready to buy. And even if buying a home to live in isn’t right for you right now, we’ll show you how rentvesting could give you the best of both worlds: a leg up into the property market without having to move to the sticks.

What is the best way to play the negotiation game in this crazy market?

As former FBI Hostage Negotiator Chris Voss says, our life is a series of negotiations. And most of the time, the one with the most knowledge gets the best out of the negotiation. Once you’re finished with Section 5, you’ll be armed with some powerful negotiation tactics which will help you turn the tables on the real estate agents and score an unbelievable deal on your home. 

How do we determine the right offer? What happens after we place an offer?

Making an offer is the most stressful part of the home buying journey. Once you’ve finally found a place that you love, you don’t want to lose out because you offered way under market value. It would be just as bad if you overpaid because you jumped the gun and let emotions dictate your offer. 

In module 6, you’ll learn how to get an accurate valuation on the property you’re interested in, and exactly what happens during the offer process. This will make sure that you’ve got the best chance for buying your dream home without stressing over whether you’ve over- or under-paid.

Are the online calculators accurate enough?

Chances are you’ve probably used a few online calculators to check how much you can afford and what your loan repayments would be like. But can you trust them? This is a common mistake most first home buyers make,

In section 2, we’ll give you an in-depth rundown on the benefits and drawbacks of online calculators, and give you a few tips on how you can get a more accurate picture of your borrowing capacity.

Should I buy the biggest house I can afford?

You might have heard this piece of advice from your friends and family. After all, you’re going to be in this home for a while, right? Might as well get the biggest one you can afford. But is that really the right way to go? 

Once you’ve completed module 1, you’ll be able to work out your property criteria so you can match your house with your lifestyle and avoid getting trapped in an expensive house that doesn’t really fit your needs.

Is it worth it to build a house or should I buy one that’s already built?

Build vs. Buy - a big question, especially for first home owners looking to get the First Home Owners Grant. In Module 1, we’ll give you the facts you need to make the right decision.

How do I find a good mortgage broker?

It hurts me to say this, but the mortgage broker industry is a bit of a mixed bag. There are some really fantastic brokers out there, but there are also a few bad eggs in the bunch. We’ll give you a checklist of questions to ask your broker so you can make sure that they’ve got your best interests at heart. 

If you’d like to come along on this journey, if you’re tired of the endless grind of searching, inspections, offers and knock-backs and you want to follow a simple process to find the home of your dreams, then simply click on the button below and sign up to the course.

Other people would charge hundreds or even thousands of dollars for this information, but I want to give it to you for free. There are no restrictions, and no strings attached - you get complete access to the entire course.

To preserve the value of this training and to make sure we’re available to answer any questions you may have along the way, we limit the number of people we allow through the doors. 

To get started with Home & Hosed you need to act now, we’ll be closing the doors once we reach our membership limit so make sure that you don’t miss out.