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.

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
A guarantor home loan lets a family member use equity in their home as security, so you can buy with a smaller deposit. Here are the pros and cons.
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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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