First Home Buyers
New build vs established home for first home buyers: schemes and costs compared
Grants favour new builds — but do the maths hold up in 2026? Construction costs, delays and resale value compared.
First Home Buyers
First Home Guarantee 2026: how the uncapped 5% deposit scheme now works
In 2026 the First Home Guarantee drops income caps and uncaps places. We explain deposit rules, new property price limits across Sydney ($1.5M), Melbourne ($950k), Brisbane ($1M), Perth ($850k) and how to apply.
First Home Buyers
Rentvesting vs buying to live in: a first home buyer's 2026 decision guide
Continue renting where you want to live while buying an investment property — the numbers compared for 2026.
First Home Buyers
First home buyer property price caps 2026: what you can buy in each city
The new FHBG price caps from 1 July 2026 — Sydney $1.5M, Brisbane $1.0M, Melbourne $950k and more.
First Home Buyers
Can you use a guarantor to buy your first home with no deposit in 2026
Family guarantee loans explained: how they work, the risks, and which lenders offer them in Australia in 2026.
First Home Buyers
Genuine savings explained: what lenders count toward your 5% deposit
Rent history, shares, cash gifts, equity — what Australian banks accept as 'genuine savings' for your home loan.
First Home Buyers
First home buyer schemes stacking: guarantee + stamp duty concession + grant
Can you use multiple government schemes together? Yes — here's how to stack them for maximum savings in 2026.
First Home Buyers
How much deposit do you really need to buy a home in Australia in 2026
Breaking down the real deposit requirement — genuine savings rules, LMI thresholds, and gifted deposit rules in 2026.
First Home Buyers
First home buyer grants and concessions in 2026, state by state
Every state's first-home buyer perks: stamp duty concessions, cash grants, and eligibility cut-offs for 2026.
First Home Buyers
First Home Guarantee vs paying LMI: which actually costs you less
Number-crunch the real cost difference between the FHBG 5% deposit path and a standard 10%+LMI path in 2026.
First Home Buyers
Buying your first home with a 5% deposit in 2026: costs, caps and catches
The full cost breakdown of buying with only 5% down — stamp duty, LMI, conveyancing and hidden fees in 2026.
Buying Costs
The hidden costs of buying a home in Australia beyond the deposit
Conveyancing, building inspection, pest report, mortgage registration, LMI — budget $8k-$15k extra in 2026.
Stamp Duty
Off-the-plan stamp duty concessions in 2026: how they work
The construction-cost deduction and the timing trap — when off-the-plan stamp duty savings are real in 2026.
Stamp Duty
First home buyer stamp duty concessions 2026: NSW, VIC and QLD compared
NSW nil up to $800k, VIC nil up to $600k, QLD nil up to $700k — who gets the best deal in 2026?