Complete First Home Buyer Guides
When are you actually ready to buy? Not what can I borrow, the question every calculator answers, but whether your budget supports the target price, how long until your deposit gap closes, and whether it still holds up if rates rise.
DIY Property Videos
Short videos walking you through due diligence, auction strategy, negotiation, and suburb research. Each one shows the actual frameworks we use with buyers, so you can think the same way we do.
With the cash rate at 4.60% and lenders lifting 289 fixed rates in a week, first home buyers are asking whether to lock in. Here is how fixed and variable compare, what each rise costs, and why splitting the loan is worth discussing.
A pre-approval is not a guarantee, and with the cash rate now at 4.60% your borrowing capacity may be lower than the letter in your inbox says. Here is what lenders re-check before unconditional approval, and what to do now.
The First Home Guarantee requires every applicant on the loan to be a genuine first home buyer. Here’s what actually happens if your partner has owned property before, and the real options that are still open to you.
How the First Home Guarantee waives Lenders Mortgage Insurance entirely for 5% deposit buyers in NSW: price caps, eligibility and a worked example for 2026.
The First Home Super Saver Scheme lets first home buyers save a deposit inside super at concessional tax rates. Here is how the caps, tax treatment and release process actually work.
The First Home Guarantee’s 5% deposit scheme uses different price caps depending on where you buy in NSW: $1.5M for Sydney/Newcastle/Lake Macquarie/Illawarra, $800K everywhere else.
The First Home Guarantee lets eligible NSW buyers purchase with a 5% deposit and no LMI. Here’s how the price caps, eligibility and LMI waiver actually work in 2026.
Off-the-plan and established homes run on different First Home Guarantee clocks. Here’s exactly how the rules and risks differ in 2026.
How lenders actually calculate what a first home buyer can borrow, and why the 3% serviceability buffer cuts your limit more than the cash rate does.
What has to happen, in order, before you exchange on your first home: the conveyancing steps most buyers miss.
First home lending fell 4.3% by number this quarter. What lenders actually want to see as genuine savings before they’ll approve you.
First home lending hit $17.9 billion this quarter. Which gets you into a home sooner: a guarantor loan or the First Home Guarantee.
From 10 August 2026, SMSFs can no longer enter new limited recourse borrowing arrangements. What that actually means for first home buyers.
10,000 new places just opened under Help to Buy. How the shared equity scheme actually works, and when it’s worse than it sounds.
The First Home Owner Grant is a fixed $10,000 on new homes only. What you actually get from the grant versus stamp duty concessions.
