Category: Grants and subsidies
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The different ways first home buyers can buy a home in Australia
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5% deposit scheme, co-ownership, co-ownership, financial tips first home buyer Australia 2026, first home buyer, First Home Buyer Guarantee, first home buyer schemes, First Home Guarantee, First Home Super Saver Scheme, help to buy, Help to Buy, Home buying strategies, Investing, Penny first home buyer support, Rentvesting, shared equity scheme Australia, Uncategorized, using superannuation to buy a house Australia, ways to buy a home AustraliaMany first home buyers assume there is only one path into the property market. Save a large deposit, apply for a standard home loan, and hope your income stretches far enough. That is one way to buy a home, but it is not the only one. Depending on your income, your savings, your family situation…
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Help to Buy eligibility, explained
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If you’ve ever looked at house prices and thought, “I’ll never save a 20% deposit,” you’re not alone. For many Australians, especially women and lower-income earners, saving a deposit is the biggest obstacle standing between them and home ownership. That’s exactly who Help to Buy was designed for. The government’s shared equity scheme allows eligible buyers to purchase a home with a deposit…
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How to save for a house deposit faster
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5% deposit scheme, best way to save a house deposit solo, Family Home Guarantee single parent, FHSSS eligibility, First Home Buyer Guarantee, First Home Super Saver Scheme, Grants and subsidies, Help to Buy, high interest savings account Australia Family Home Guarantee single parent, Home buying strategies, how long does it take to save a house deposit Australia, how much deposit do I need for a house in Australia, how to save for a house deposit during recession Australia, how to save for a house deposit faster Australia, save for a home depositSaving a deposit can feel like the hardest part of buying your first home. The good news is it’s probably a smaller number than you think, especially once you factor in the government schemes available. The trade-off is that these schemes come with conditions, caps and a bit of fine print, so it’s worth going in with eyes open. Here are some simple ways you…
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Can I still use super to buy a home in Australia?
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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 AustraliaTrying 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…
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Planning to buy your first home next financial year?
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first home buyer, First Home Buyer Checklist Australia, first home buyer end of financial year , first home buyer savings tips 2026, first home buyer schemes, First Home Super Saver Scheme, Grants and subsidies, Home buying, How to buy your first home, how to prepare to buy a home Australia, mortgage broker Australia, what taxes you need to pay when buying a homeHere’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…
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How much deposit do I need to buy a house right now?
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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…
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Buying your first home after 40 in Australia: Why more women are entering the property market later
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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…
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Home loan pre-approvals are up across Australia. What that means if you’re trying to buy right now
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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…
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Buying your first home in Australia: how to make smart, confident decisions in a shifting market
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What Women Need to Know The federal government’s expanded First Home Buyer Guarantee (FHBG) is designed to make it easier for Australians to step onto the property ladder. The scheme allows eligible buyers to purchase with a smaller deposit (sometimes as low as 5%) without paying lenders mortgage insurance (LMI). But there’s a catch: more…