First Home Buyers
Practical, plain-English guides for buying your first home in Australia — savings, schemes, pre-approval and settlement.
A first home buyer's guide to getting loan-ready in 2026
From savings goals to pre-approval, here's a realistic, step-by-step view of what it takes to get from "thinking about it" to holding the keys.
Guarantor Loans: How Family Guarantees Work
A family guarantee can help first home buyers borrow with a smaller deposit — but it's a serious commitment for the guarantor. Here's how it works.
Genuine Savings: What It Means and Why Lenders Ask
Lenders often want to see 'genuine savings' as part of a deposit, not just any funds. Here's what qualifies and why it matters for first home buyers.
Joint Home Loans: Buying With a Partner or Friend
Buying with a partner, friend or family member changes how a loan application works, and how ownership and liability are structured.
Gifted Deposits: What Lenders Need to See
A gifted deposit from family can help you buy sooner, but lenders have specific requirements around how it's documented.
Stamp Duty and Concessions: What to Check Before You Buy
Stamp duty rules and first home buyer concessions differ by state and change over time — here's what to check before you budget for a purchase.