First Home
The genuine savings rule: 5% in savings over 3 months
Lenders look for evidence of savings discipline, not just a lump sum. What counts, what doesn't, and the workarounds.
First Home
Why pre-approval expires after 90 days
Pre-approval relies on a credit check and income documents that go stale. What happens at day 91 and how to roll it.
First Home
Family Home Guarantee for single parents
5,000 places a year for eligible single parents with at least one dependent child. The eligibility and the practical file.
First Home
How to save a $100k deposit in four years
On a combined income of $180k pre-tax, here's what the numbers look like and which sacrifices matter most.
First Home
The hidden costs beyond your deposit
Stamp duty, LMI, legal, insurance, connection fees, moving - budget $25k-$65k on top of the deposit.
First Home
First Home Guarantee: 5% deposit, no LMI
35,000 places a year, no LMI, no premium rate. Who qualifies, and what the trade-offs are.
First Home
First Home Super Saver Scheme (FHSSS)
Salary-sacrifice up to $15k a year (cap $50k total) into super, then withdraw for your first home deposit. The tax wins.
First Home
WA first-home buyer grants and duty in 2026
Western Australia's FHOG is $10,000 for new builds only; duty concessions are separate. Eligibility and interaction.
First Home
Parent guarantor: what they're actually signing
Limited guarantee vs unlimited, release triggers, and the conversation to have before they sign.
First Home
Queensland first-home concession and the 2026 reform
QLD raised its concessional threshold in 2025. The new numbers and who missed out under the old ones.
First Home
Building your first home vs buying established
Land + build package vs buying an existing home - price, timeline, stamp duty and FHOG all behave differently.
First Home
2026 Regional First Home Buyer Guarantee: Who Actually Qualifies
Regional definition, income caps, property price caps by state, and why the scheme fills so slowly.
First Home
Victoria's first-home stamp duty discount
Full exemption to $600k, concessional to $750k. Plus the off-the-plan concession - often stackable.
First Home
Stamp duty in NSW: the $800k first-home threshold
Full exemption to $800k, partial concession to $1M. The duty savings and what it means for your suburb shortlist.
First Home
First Home Owner Grant: state-by-state 2026 table
FHOG amounts, eligibility, new-build rules and combined-concession interactions across all eight states and territories.