Buying a home with a small deposit is more possible than it used to be, but there are important trade offs to understand. This article explains what a 5% deposit means in today’s market, what we mean by medium-deposit options such as 10 to 15 per cent, and the costs and risks you should weigh before deciding which route suits you.

Deciding whether to pay off your HECS or HELP debt before buying property is a common question I hear from clients. There is no one-size-fits-all answer. The right move depends on how lenders treat HELP debt today, your salary and savings, the size of your debt, and your property timeline.

Buying your own home is a huge milestone, but saving a full 20% deposit plus covering stamp duty, legal costs and other fees can feel like a steep climb. That’s where a guarantor loan can come in.

As of 1 October 2025, significant changes to Australia's First Home Buyer Scheme aim to make homeownership more accessible. These reforms are designed to assist aspiring homeowners in navigating the current property market.

Buying your first home is an exciting milestone, but choosing the right home loan can feel overwhelming. With numerous options available, it's crucial to understand how to select a loan that aligns with your financial situation and long-term goals.

Buying your first home is exciting and stressful at the same time. One of the biggest hurdles is borrowing power - the amount a lender is willing to loan you. Knowing what lenders look at and taking a few practical steps can lift your borrowing capacity so you can shop with confidence.

Buying your first home is exciting and a bit overwhelming. Interest rates, deposits and loan types get most of the attention, but the features inside a home loan often make the biggest difference to how the loan actually works for you.

Before you fill out a home loan application, there are a number of steps you can take to strengthen your position as a borrower.