How much deposit do first home buyers need?
You can often buy with as little as a 2% to 5% deposit. A plain-English breakdown of your options, LMI, and the government schemes that reduce the upfront cost.
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Guidance for your first home
Clear, practical reads on grants, borrowing power, deposits and everything in between. Written for first home buyers, without the jargon.
Why entry-level homes are rising faster
The affordable end of the market is doing the heavy lifting on price growth right now. Here is what is driving it, and what it means for first home buyers.
Read articleHow much can I borrow as a first home buyer in Australia?
Your borrowing power is about far more than income. A simple breakdown of what lenders really look at, and why two people on the same salary can borrow very different amounts.
Read articleFixed vs variable home loan rates (2026): what is the best option?
Fixed rates have climbed, and many first home buyers are asking whether fixing is still worth it. A simple breakdown of fixed, variable and split strategies in 2026.
Read articleThe complete guide to the First Home Super Saver Scheme (FHSS)
Saving a deposit is the hardest part. Used properly, the First Home Super Saver Scheme lets you save faster and more tax-effectively through your super. A step-by-step guide.
Read articleGuarantee Scheme changes from 1 October 2025
From 1 October 2025 the Home Guarantee Scheme removes place limits and income caps, so more first home buyers can enter the market with a 5% deposit and avoid LMI.
Read articleGenuine savings explained
How you may be able to use your rental history to get around the 5% genuine savings rule, with a real example of a $500k NSW first home buyer purchase.
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