First home buyers

First home buyers
guide
First home buyers
guide
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First home buyers
Orange image with a headline saying "what's included in the buyer's agent service"
Buyer's agents
First home buyers
OwnHome
Low deposit options
What’s included in OwnHome’s property consultant service?
Updated 
March 24, 2025
couple and baby in the house they purchased with 2% genuine savings
Deposits
First home buyers
What are genuine savings? Do I need them to get a mortgage?
Updated 
March 24, 2025
couple in bed discussing purchasing a property together
First home buyers
Costs of buying a home
How do I share a mortgage with a partner?
Updated 
May 17, 2024
young family who purchased a home through a nonbank lender
First home buyers
Deposits
What is a non-bank lender and how do they compare to the Big Four banks?
Updated 
May 17, 2024
father playing with his child in the garden during spring when property season is at its height
Auctions
Costs of buying a home
First home buyers
Negotiating purchase price
Best time of year to buy a house: Seasons for the property market in Australia
Updated 
March 24, 2025
couple speaking to mortgage broker about their options
Mortgage brokers
First home buyers
Do I pay my mortgage broker?
Updated 
May 17, 2024
couple sitting with their dog discussing closing credit cards before applying for a home loan
First home buyers
Loan to value ratio
Should I close my credit cards before applying for a home loan?
Updated 
March 24, 2025
couple going to an open house looking to buy when the cash rate is high
First home buyers
Costs of buying a home
Mortgage brokers
Should I buy a house while interest rates are high?
Updated 
May 17, 2024
kids on a swing in a home in queensland purchased with the first home owner grant
First home buyers
First home buyer schemes
What is the Queensland First Home Owner Grant?
Updated 
March 24, 2025
Family sitting on the deck of their own home with their small children
First home buyers
Upfront costs
How do childcare fees impact getting a home loan in Australia?
Updated 
May 17, 2024
young couple sitting on the couch, celebrating their home purchased with an OWnHome Deposit Boost Loan
OwnHome
Upfront costs
First home buyers
How does an OwnHome Deposit Boost Loan work?
Updated 
March 24, 2025
family sitting at the garden table eating lunch at home with a loan with an offset account
First home buyers
Loan to value ratio
What is a home loan offset account?
Updated 
May 17, 2024
couple looking at their new home they purchased after their home loan application was approved
First home buyers
Loan to value ratio
What do lenders look for in my bank account transaction records when I apply for a home loan?
Updated 
March 24, 2025
exterior of a home at night the owner of which has a mortgage and a car loan
Deposits
First home buyers
Does my car loan impact my ability to get a home loan?
Updated 
May 17, 2024
Couple leaning against window of their home holding a paint roller while DIY renovating to cut costs
Costs of buying a home
First home buyers
What is the average cost of renovations in Australia?
Updated 
May 17, 2024
dad and daughter kicking ball with puppy in backyard of house with australian home loan
News
First home buyers
Australian home loan statistics 2023
Updated 
March 24, 2025
family who are looking for way to afford a new house hugging outside
First home buyers
Upfront costs
Costs of buying a home
Low deposit options
Deposits
What is the Australian Labor government's Help to Buy shared equity scheme?
Updated 
March 24, 2025
family sitting on the couch in their living room, playing with their dog in the home that they have a principal and interest loan out on.
First home buyers
Costs of buying a home
How do I calculate interest on my home loan?
Updated 
March 24, 2025
young family walking up the steps to their new home that they took out a bridging loan to purchase
First home buyers
What is a bridging loan and when can I use one?
Updated 
March 24, 2025
Cool furnished living room in first apartment covered by first homeowner home and contents insurance
First home buyers
Costs of buying a home
What you need to know about insuring your first home
Updated 
March 24, 2025
sofa and painting in the living room of an investment rental home that is being negatively geared
First home buyers
Costs of buying a home
What is negative gearing and how does it work?
Updated 
March 24, 2025
couple sitting on the couch one the computer looking for a home loan while working for themselves
First home buyers
Can I get a home loan if I’m self-employed?
Updated 
March 24, 2025
mother and children playing in a hammock who need to know their buying power to purchase their forever home
Costs of buying a home
Deposits
First home buyers
What is my borrowing power and how do I increase it?
Updated 
March 24, 2025
dining room in an australian house where the mortgage has been paid off early
First home buyers
What happens if I pay off my mortgage early?
Updated 
March 24, 2025
outside of an australian house that need a valuation
Costs of buying a home
First home buyers
Loan to value ratio
What is it a home valuation and how much does it cost?
Updated 
March 24, 2025
young couple taking a picture with the keys to their new home purchased with a gifted deposit
Low deposit options
Deposits
First home buyers
How do I gift my child a home deposit?
Updated 
March 24, 2025
Father and daughter playing in their garden after having his DTI assessed by a lender
First home buyers
What is debt-to-income ratio?
Updated 
March 24, 2025
home with a green front lawn purchased using a loan for a home loan deposit
Deposits
First home buyers
Guarantor home loans
No deposit home loans
Can I use a personal loan for my home loan deposit?
Updated 
March 24, 2025
mother cuddling her daughter on the couch researching if she qualifies for a lmi waiver
Lenders mortgage insurance
Deposits
Low deposit options
First home buyers
Do I qualify for a Lenders Mortgage Insurance (LMI) waiver?
Updated 
March 24, 2025
couple drinking coffee in their house as joint tenants
Conveyancers
First home buyers
Deposits
Settlement & move in
What’s the difference between tenants in common and joint tenants?
Updated 
March 24, 2025
Australia couple pointing at house that they have put a deposit down on
Deposits
Auctions
First home buyers
Is it possible to lose your home loan deposit?
Updated 
March 24, 2025
woman trying to read in her bedroom with her dog despite her noisy nextdoor neighbours
First home buyers
News
What can I do about my noisy or disruptive neighbours?
Updated 
March 24, 2025
family sitting on the couch in a home purchased with parents as home loan guarators
First home buyers
Deposits
Guarantor home loans
Upfront costs
Refinancing
How long does a guarantor stay on a mortgage in Australia?
Updated 
March 24, 2025
Australian home that payments are subject to RBA movements
Costs of buying a home
Deposits
First home buyers
Loan to value ratio
Home loan interest rates: May 2024
Updated 
March 24, 2025
Family looking at a house that they hope to put a deposit in for
Auctions
Deposits
First home buyers
How to pay your deposit at an auction
Updated 
March 24, 2025
Couple looks at laptop sitting on the couch reviewing their loan application
Deposits
First home buyers
Low deposit options
What happens if my home loan application is rejected?
Updated 
March 24, 2025
Father gets his daughter ready for school worried about a coming Australian recession
Costs of buying a home
First home buyers
News
What is a recession, is Australia headed for one, and how can you prepare?
Updated 
May 17, 2024
man playing with his baby in the kitchen in the home he purchased with a home loan with an offset account
First home buyers
Offset account vs redraw facility: Which is better for you?
Updated 
May 17, 2024
couple with their child researching on a laptop how to lower their mortgage rate
First home buyers
Guarantor home loans
Refinancing
How to lower your mortgage rate
Updated 
March 24, 2025
young couple and their baby in the house they bought utilising a NSW first homebuyer scheme
Costs of buying a home
First home buyers
First home buyer schemes
Upfront costs
What is the First Home Buyer scheme in NSW, and how does it work?
Updated 
March 24, 2025
Australian couple looking at loan options considering comparison rates
Deposits
First home buyers
What is a home loan comparison rate?
Updated 
March 24, 2025
Row of Sydney terrace houses on which the rent is rising
First home buyers
News
What is the average rent in Australia?
Updated 
March 24, 2025
Line of renovated Australian houses that the owners are deciding to sell or keep as an investment
First home buyers
Timing the housing market vs time in the housing market — which Is better?
Updated 
May 17, 2024
Australian first home buyer young woman sitting at a desk doing stamp duty exemption paperwork
Upfront costs
First home buyers
First home buyer schemes
Do first-time home buyers in Australia have to pay stamp duty?
Updated 
March 24, 2025
Australian couple cooking in their kitchen
First home buyers
What is a strata scheme? Should I buy a strata property?
Updated 
May 17, 2024
Person inspecting a kitchen with a real estate agent
Building & pest inspections
First home buyers
Home inspection checklist: 15 things to check before buying a home
Updated 
March 24, 2025
Woman looking at her laptop
First home buyers
How to calculate the value of a home?
Updated 
March 24, 2025
Australian woman and man with a calculator and papers
First home buyers
News
How does the cash rate impact interest rates?
Updated 
March 24, 2025
Australian couple in room with laptops deciding if it is cheaper for them to buy or rent their home
First home buyers
Deposits
Is it cheaper to rent or buy a home in Australia?
Updated 
March 24, 2025
Australian house purchased with super with backyard view of pool
First home buyers
Low deposit options
Can I use superannuation to buy a home in Australia?
Updated 
March 24, 2025
Living room with wicker chairs
First home buyers
Negotiating purchase price
What makes one property superior to another?
Updated 
March 10, 2023
Australian family with son on scooter going past a typical Australian house
First home buyers
Deposits
Top 10 ways to save for a house deposit
Updated 
May 17, 2024
Father and daughter painting on a cardboard house.
Deposits
First home buyers
How long will it take me to save for a house deposit?
Updated 
March 24, 2025
Person typing with books on a table
First home buyers
How can I repair my credit score?
Updated 
August 2, 2023
Australians looking at a laptop together
First home buyers
News
Do you need the bank of mum and dad to buy property?
Updated 
May 17, 2024
The back view of an Australian house.
News
First home buyers
Fixed rate vs variable rate home loans
Updated 
March 24, 2025
Couple in a park with their dog.
First home buyers
Pros and cons of rentvesting
Updated 
May 17, 2024
Living room with a grey couch by Taryn Elliott
First home buyers
Deposits
60 terms to know when buying a house
Updated 
May 17, 2024