The Unexpected Test That Predicts You're Ready to Own Property (Seriously).
They say if you can survive a trip to IKEA with your partner, you’re ready for marriage. We say….if you can survive IKEA and the checkout line, you might just be ready to buy your first home.
Sound ridiculous? Maybe. But hear us out.
Property + Psychology = The Perfect Storm
Buying your first home isn’t just about money. It’s about decision-making under pressure, navigating emotional landmines (“Do we really need a second living room?”), and dealing with paperwork so dense it makes an IKEA instruction manual look like a bedtime story.
We’ve seen couples fall apart over choosing between Hampton-style kitchens and modern monochrome. Singles spiral because no one prepared them for how personal loan approval feels. And don’t get us started on bidding at auction… it’s The Hunger Games, but with $700k on the line and your mum texting mid-bid.
So How Do You Really Know You're Ready to Buy?
Forget the online quizzes with pastel backgrounds and vague questions. Here’s the real test:
Have you sat down and actually worked out what you can afford – not just in repayments, but in life?
Have you survived an IKEA trip with someone who says, “Let’s just see what’s in the marketplace section,” and lived to tell the tale?
Tick yes to any of the above? You’re emotionally more ready than half the buyers we meet.
Here’s the Part No One Tells You
Getting a loan isn’t just about ticking boxes. It’s about strategy, knowing which banks view bonus income favourably, how to structure things if you’re buying with a mate, and what to do if your credit file has more layers than a lasagna.
That’s where we come in.
At Mynt Financial, we help first home buyers in Melbourne not just get a home loan but actually understand the why behind it. We decode bank policy. We prepare you for the stress test. And we make sure you don’t get stuck with the financial equivalent of a flimsy IKEA flat-pack when what you really needed was solid timber.
Ready to Get Real?
If you’re still Googling “can I buy a house with no savings” at midnight, or you and your partner just argued over cushions, we get it.
Let’s have a no-pressure chat. We’ll help you figure out what you can do right now to start turning that IKEA couch into something more permanent, like a living room of your own.
Disclaimer:
This information is general in nature and does not constitute financial or legal advice. Your personal circumstances, objectives, and financial situation should always be considered before making any decisions. Pre-approval conditions and eligibility vary by lender and are subject to change.
