The OwnHome Journal

Supporting your homeowning journey through actionable tips, best practices and insights.

Buying a home

The 101 of buying a home in Australia. Negotiations, settlements, exchanges and more.
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Buying a home 101
For first home buyers, leaping into home ownership can be daunting. While we can’t soothe all your nerves, we can help you plan for a more enjoyable and stress-free home buying experience.
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Costs of buying a home
Buying a new home comes with significant upfront and ongoing costs. Even for a seasoned buyer, it can be easy to miscalculate how much
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First home buyer schemes
If you're a first home buyer, the good news is that there are several schemes set up by the Australian government to help you out.
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Negotiating purchase price
Found a home to buy and ready to negotiate the price? Use the ultimate guide to winning a property via auction or private treaty sale.

Home loans

From LVR to LMI, we've got you covered.
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Home loans 101
Everything first-time home buyers need to know about mortgages - from what a home loan is and how it works, the different costs that make up your mortgage, types of mortgages available, and more.
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Guarantor home loans
Almost 2 out of 3 Australians don't think home ownership is an option for young adults anymore. It's no wonder more home buyers are looking for alternatives.
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Loan to value ratio (LVR)
Your LVR can help you determine whether you're likely to get approved for a home loan, and it can even affect how much you'll be paying for your property!
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Mortgage brokers
If you are looking to buy a home, you may wonder what the difference between a mortgage broker and a home lender is. This guide will answer all your questions about brokers in Australia.

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