Category: Australian property market

First Home Buyer’s Guide to Increasing Borrowing Capacity

Aug 31, 2026

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Penny

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You ask your bank how much you can borrow. The number comes back smaller than you expected. This happens to a lot of first home buyers, and it is rarely about how much you earn. It is about how lenders read your everyday spending, your existing debts and your savings habits. Borrowing capacity is the maximum amount a lender…
Why banks are competing for first home buyers right now

Aug 16, 2026

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Penny

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And to make the most of it If you’ve been putting off calling your bank or mortgage broker, now might be the time. Fewer people are applying for home loans right now, and banks want your business more than usual. For first home buyers, that’s good news. Lower demand, banks competing harder on price, and…
Can I still use super to buy a home in Australia?

Jul 5, 2026

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Penny

5% deposit scheme, can I use my super to buy a home, FHSSS eligibility, financial tips first home buyer Australia 2026, First Home Buyer Guarantee, first home buyer schemes, First Home Super Saver Scheme, Grants and subsidies, Help to Buy, self managed super fund property rules, using superannuation to buy a house Australia

Trying to save a house deposit in Australia right now is hard enough without also having to untangle superannuation rules. So let’s clear something up straight away, because it trips a lot of people up. There are two very different things that fall under the banner of “using your super to buy a home.” One is a genuine, government-backed way for everyday…
Is the property market crashing?

Jun 28, 2026

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Penny

Australian property market, Buying a house during a downturn, first home buyer market slowdown, first home buyer rising interest rates 2026, House prices falling Australia, how to save for a house deposit during recession Australia, Is property market crashing Australia 2026, Property market correction Australia, should I buy a house now or wait

Here’s why this headline might actually be good news for first home buyers If you’re one of the millions of Australians who searched “is the property market crashing” and got hit with a wall of headlines that made your stomach turn, you’re not alone. This month, auction clearance rates hit record lows. Prices are falling in Sydney and Melbourne, and the word “crash“ is being thrown around daily. But here’s our take on it. What’s happening in the market right now might…
Planning to buy your first home next financial year?

Jun 20, 2026

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Penny

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Here’s what you need to be doing now. The new financial year is around the corner. And if you’re planning to buy your first home in the next 12 months, the window between now and 1 July may be one of the most important periods in your entire home buying journey. Not because there’s a deadline you’ll miss if you don’t act. But, because the decisions you make now around your…
Half of us don’t trust each other anymore.

Jun 14, 2026

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Penny

Australian property market, buying a home alone, first home buyer, first home buyer schemes, Home buying, How to buy your first home, mortgage broker Australia, property price guides, settlement, underquoting

Here’s why that matters when you’re buying your first home If you’re trying to buy your first home, you already know how much trust the process requires. You have to trust a mortgage broker to explain your lending options clearly. You have to trust a real estate agent to be transparent about price guides. You have…
Where to buy a home as a first home buyer in Australia

Jun 7, 2026

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Penny

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If you’ve been trying to figure out where to buy your first home in 2026, you’ve probably done the thing where you open Domain, look at suburbs you actually want to live in, quietly close the tab, and feel a bit defeated. You’re not imagining it. Australia is one of the most challenging housing markets in the developed world…
How much deposit do I need to buy a house right now?

May 31, 2026

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Penny

5% deposit scheme, capital gains tax, financial tips first home buyer Australia 2026, first home buyer, First Home Buyer Guarantee, first home buyer schemes, How to buy your first home, LMI Australia first home buyers, negative gearing, save for a home deposit, women first home buyers Australia

Buying your first home right now feels… confusing. Prices are high. The rules keep changing. And depending on who you ask, it’s either the worst time to buy, or the best time in years. The reality is, the landscape is changing, and first home buyers are in a stronger position than they’ve been in…
Is it worth buying a house in Australia in 2026?

May 24, 2026

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Penny

buy or rent Australia, first home buyer, First Home Buyer Guarantee, first home buyer schemes, Grants and subsidies, How to buy your first home, mortgage broker Australia

If you are a woman thinking about buying property for the first time in Australia, you’re probably wondering if now’s the time to buy or should you wait? That decision should not come down to hype, panic, or pressure. It should come down to a few key things: what you can afford, how stable your…
What first home buyers really need to know about the CGT and negative gearing changes

May 17, 2026

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Penny

Australian property market, capital gains tax, first home buyer, Home buying strategies, housing affordability, Investing, negative gearing, renting vs owning, Rentvesting

If you’ve opened a news app, scrolled Instagram, or dared to look at property TikTok this week, you’d be forgiven for thinking the Australian property market is about to collapse. According to some very wealthy, very high-profile property investors, the Federal Government’s proposed changes to negative gearing and Capital Gains Tax (CGT) are the end of the ‘good ole days’ for property investing in Australia.…
Is the Australian property market speeding up or slowing down? Both can be true.

May 10, 2026

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Penny

Australian property market, Deposit, first home buyer, housing affordability, Interest Rates, pre-approval

If you’ve been following the Australian property market lately, you’re probably feeling the whiplash. One day it’s “first home buyer schemes are pushing up house prices.” The next it’s “the property market is softening.” Then it’s “Australia is heading for a downturn,” followed by reports that prices are already falling in some suburbs. On top…
How to stay financially strong and keep your home buying goals on track when the economy feels uncertain

Mar 22, 2026

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Penny

financial tips first home buyer Australia 2026, financial tips first home buyer Australia 2026, first home buyer rising interest rates 2026, how to save for a house deposit during recession Australia

If you’ve been following the news lately, you’ve probably seen a lot of headlines that aren’t exactly easy reading. Interest rates rising again. Global instability. Economists flagging the possibility of a recession. It’s a lot to take in, especially when you’re working hard toward a goal as significant as buying your first home. The RBA…
Buying your first home after 40 in Australia: Why more women are entering the property market later

Mar 7, 2026

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Jemi

Australian property market, buying after 40, cost of living, financial confidence, first home buyer, Grants and subsidies, Home buying, housing affordability, Penny, Security, single buyers

Buying your first home used to feel like something most Australians would achieve in their twenties or early thirties. Today, that is no longer the reality for many people. At Penny, we’re speaking with more women buying their first home after 40, not because they have “failed financially”, but because the path to home ownership…
Home loan pre-approvals are up across Australia. What that means if you’re trying to buy right now

Nov 9, 2025

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Penny

Australian property market, first home buyer, First Home Buyer Guarantee, Home loan pre-approval, How to buy your first home, Interest Rates, pre-approval

Pre-approvals are surging. Here’s how to make sure you’re actually ready. Alternative SEO titles: Tags: home loan pre-approval Australia, first home buyer loans 2026, First Home Guarantee scheme Australia, buying first home Australia 2026, mortgage pre-approval tips Australia Keywords: home loan pre-approval Australia 2026, first home buyer pre-approval, how long does pre-approval last Australia, first…