Why Buyers Get Stuck - The Psychology Behind Property Decisions with Scott Baker

<p><strong>Published: </strong>29 June 2026</p><p><br></p><p>In this episode of the Melbourne Property Podcast, hosts Sky Hammer and Oisin Griffiths are joined by mortgage broker Scott Baker from Toast Finance to explore the psychology behind property decisions and why so many buyers become stuck during the purchasing process.</p><p><br></p><p>They discuss how fear, uncertainty and decision fatigue can influence buyers, particularly in the wake of the 2026 Federal Budget changes. The conversation explores the balance between emotional and strategic decision making, and why finance should be viewed as part of a broader property strategy rather than simply securing loan approval.</p><p><br></p><p>Scott also shares the common warning signs he sees before property deals fall over, along with practical advice on borrowing capacity, lender expectations and building a long term finance strategy.</p><p><br></p><p><br></p><p><strong>Episode highlights include:</strong></p><p>• How fear and decision fatigue affect property buyers<br>• The impact of the 2026 Federal Budget on borrowing capacity<br>• Balancing emotional decisions with long term strategy<br>• Common reasons property deals fall over before settlement<br>• Scott Baker&#39;s Blue Sky Strategy for building long term financial success</p><p><br></p><p><strong>Want to connect with Scott or learn more about Toast Finance?</strong></p><p>Website: <a href="https://www.toastfinance.com.au" target="_blank" rel="ugc noopener noreferrer">https://www.toastfinance.com.au</a><br>Instagram: <a href="https://www.instagram.com/scott_thebroker_baker/" target="_blank" rel="ugc noopener noreferrer">https://www.instagram.com/scott_thebroker_baker/</a><br>Facebook: <a href="https://www.facebook.com/scott.thebroker.baker/" target="_blank" rel="ugc noopener noreferrer">https://www.facebook.com/scott.thebroker.baker/</a><br>Email: <a href="" target="_blank" rel="ugc noopener noreferrer">scott@toastfinance.com.au</a><br>Phone: 0447 882 611</p><p><br></p><p><strong>Enjoying the podcast and want to support future episodes?</strong><br>You can buy us a coffee here:<br>👉 <a href="https://buymeacoffee.com/melbournepropertypodcast" target="_blank" rel="ugc noopener noreferrer">https://buymeacoffee.com/melbournepropertypodcast</a></p><p><br></p><p>Never miss an episode. Hit <strong>SUBSCRIBE </strong>now.<br>🎧 New episodes drop weekly.</p><p><br></p><p><strong>📺 Subscribe on YouTube:</strong><br><a href="https://www.youtube.com/@MelbournePropertyPodcast" target="_blank" rel="ugc noopener noreferrer">https://www.youtube.com/@MelbournePropertyPodcast</a></p><p><br></p><p><strong>Looking for tailored portfolio guidance?</strong><br>Arrange a complimentary call with Sky Hammer here:<br>👉 <a href="https://convergencebuyersagents.com.au/dc-podcast" target="_blank" rel="ugc noopener noreferrer">https://convergencebuyersagents.com.au/dc-podcast</a></p><p><br></p><p><strong>🌐 Website:</strong><br><a href="https://convergencebuyersagents.com.au" target="_blank" rel="ugc noopener noreferrer">https://convergencebuyersagents.com.au</a></p><p><br></p><p><strong>Have a subject you would like explored?</strong><br>DM us, leave a comment, or email:<br>📩 <a href="" target="_blank" rel="ugc noopener noreferrer">media@convergencebuyersagents.com.au</a></p><p><br></p><p><strong>Disclaimer:</strong><br>All discussions are general in nature and should not be considered financial advice. Seek independent professional advice before making any financial decisions. All content across this podcast, website and associated channels remains the intellectual property of Convergence Buyer’s Agents and may not be reproduced without written permission.</p><p><br></p>