In this episode Dev is joined by returning guest Rachelle Kroon, founder of Sphere Home Loans for a mortgage and lending chat. They discuss:

👉 interest rates in 2026

👉🏾 why an annual mortgage review matters

👉🏿 common mortgage traps medical professionals fall into

👉🏽 why it's important to engage a mortgage broker who specialises in medical lending

👉🏻 offset vs redraw and why use each

👉 first home buyer schemes like the 5% guarantee vs shared equity

👉🏼 how banks locum, sole trader or newly self-employed? how banks really assess income

👉🏽 how construction loans work

👉 using valuations and equity strategically

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

To chat with a professional and get help about your situation, click here.

Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. The host of this podcast is an authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

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