Today’s guest is someone whose story spans continents, market cycles, and major life transitions. Steve Hair began his finance journey on the Sydney Futures Exchange at just 17 and went on to build a decades-long global career in banking and funds management — from Sydney to London to Singapore.Steve joins Phil Riches (Senior Mortgage Consultant at Finance on the Coast) and host Virginia Graham (author of Flirting with Finance) to share:✅ How he navigated the GFC, Brexit, and COVID from inside the finance world✅ His surprising pivot from doing it all himself to relying on experts✅ A wild story of buying a dream family home from a beach in Singapore✅ How working with the right mortgage broker transformed his property journey✅ Why understanding credit policy and lender strategy matters more than the rate alone.Whether you’re an expat, investor, first home buyer — or in the finance world yourself — this episode offers a rare behind-the-scenes look at real property strategy.Tag a mate who’s buying their first home or looking to invest — they NEED to hear this!Disclaimer:Any information provided is general in nature and does not take into account your personal circumstances and you need to consult a professional.🎧 Listen now and let us know your biggest takeaway in the comments!📚 CHAPTERS00:00 - Intro01:23 - Steve’s Career in Finance06:50 - Financial Goals Before Meeting Phil11:12 - Phil and Steve's Meeting Story16:55 - Steve's Best Investment Outside Trading20:29 - Future Plans for Steve21:00 - Importance of a Good Mortgage Broker24:00 - Understanding Credit Policy Essentials27:20 - Want to master property financing like a pro? 🏡 Discover the key strategy that could change EVERYTHING! From expert insights on real estate and investment to the importance of working with the right mortgage advisor, this episode is packed with tips for homebuyers and property investors.