Stamp Duty and Its Impact on Lending
Stamp duty is a major upfront cost that affects your deposit, LVR, and borrowing capacity. Learn how concessions work and why planning for this expense is critical.
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First Home Buyer
Saving a Deposit: Understanding Genuine Savings
Lenders assess your savings history to confirm financial discipline. Understand what counts as genuine savings, what does not, and how this affects high LVR loan applications.
Different Types of Home Loans: Basic Variable, Standard Variable, and Fixed Rate Loans
Different loan types offer varying levels of flexibility and repayment certainty. Explore how variable and fixed options compare before choosing your structure.
Understanding Offset Accounts: How They Can Help You Save on Your Home Loan
When it comes to managing your home loan, an offset account can be a powerful tool to reduce the interest
Lenders Mortgage Insurance (LMI) Waivers: What You Need to Know
Some borrowers may qualify for an LMI waiver based on profession or financial profile. Discover who may be eligible and how this can reduce upfront costs.
Understanding Lenders Mortgage Insurance (LMI): What You Need to Know
LMI protects the lender when you borrow with less than a 20 percent deposit. Learn how it works, what it costs, and how it affects your total loan amount.
The First Home Super Saver Scheme: A Guide for First Home Buyers
The FHSSS allows eligible buyers to use voluntary super contributions toward a deposit. Discover how the scheme works, contribution limits, and key considerations before applying.
Australian Government 5% Deposit Scheme Explained
Buy your first home with as little as a 5 percent deposit and avoid LMI. Learn how the government guarantee works, who qualifies, and what property limits apply.
First Home Owners – State Grants & Support
State grants and concessions can reduce upfront costs for first home buyers. Understand what support is available and how eligibility rules vary across Australia.
Family Guarantor Loans — How Family Equity Can Help You Buy Sooner
A family guarantor loan allows a relative to use their property equity to support your deposit. Learn how this structure may help you avoid LMI and enter the market sooner.