The 2026–27 Help to Buy income threshold is one Scheme eligibility check. A participating lender still assesses your finances, the property and the loan application.

The Australian Government 5% Deposit Scheme does not supply the missing deposit. It guarantees part of the participating lender's risk while the buyer remains responsible for the loan.

Australia’s 5% Deposit Scheme has expanded. Eligible first-home buyers may be able to purchase with a deposit as low as 5% and avoid Lenders Mortgage Insurance. Places are uncapped and income caps have been removed, but buyer eligibility, property price caps, participating-lender rules and normal credit assessment still apply. That can lower the entry barrier. It does not mean the full cash target is only 5% of the property price. Before buying, separate four amounts: 1. Depo

Mortgage news has been getting louder, with some lenders cutting selected home loan rates and competing for borrowers. For first-home buyers, it is easy to feel excited: “Should I start inspecting?” “Which bank has the lowest rate?” “Which property type is best?” But the first question is not which option is best. It is which option fits your income, budget and lifestyle. 1. FHOG eligibility First Home Owner Grant rules are different in each state. Some apply only to new home

The Australian property market feels a little quieter than before. Auction clearance rates have softened, buyers are more cautious, and some homes are no longer selling as quickly as they did during hotter market conditions. For first-home buyers, that can sound like good news. But before getting too excited, it is worth slowing down. A quieter market does not mean every home is suddenly cheap. It also does not mean you should inspect, fall in love, and make an offer without