Category: Home buying strategies
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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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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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Borrowing from parents to buy a home: the simple guide
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Thinking about asking your parents for help with a deposit? It’s more common than you think. 60% of first home buyers are getting some kind of financial help from family, with the average amount being around $74,000. The so-called Bank of Mum and Dad is now one of the biggest sources of home loan funding in the country. Some estimates put its total contribution at between $22 billion and $71 billion a year, and…
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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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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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Case study: I have $500,000 in savings. Should I buy a home now or wait?
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There’s a particular kind of comfort that comes from seeing money in the bank. Not “new-car” comfort. Not “holiday” comfort. The deeper kind: I can breathe. I can handle it if something goes wrong. My kids will be okay. For single mum Jackie*, that feeling matters. Jackie lives in New South Wales. She has two…
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The hidden cost of sitting on cash: what women saving for a home need to know
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Many of us grew up hearing the same message about money. Save what you earn. Be careful. Avoid risk. For women especially, saving was often the only financial lesson we were taught. Saving feels safe. Your balance grows. You can see it. You can touch it. It is there when you need it. But if…
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How to stay financially strong and keep your home buying goals on track when the economy feels uncertain
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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…
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Strategies young Australians are using to get into the property market
Despite rising prices, strong competition and limited supply, not all young Australians have given up on their homeownership dreams (and honestly, why should they?). The market is a lot tougher to crack than it was for previous generations, but with the right strategy, flexibility and support, many Gen Z and Millennial buyers are still making…
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Taking a financial gap year
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A strategic pause for long-term gain In a culture that glorifies speed and hustle, slowing down can feel radical or even counterintuitive. But for many Australians, a “financial gap “year isn’t about quitting or escaping. It’s about creating breathing space, cutting costs, and resetting for a stronger future. By temporarily relocating to a more affordable area,…
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When property listings lie: how to avoid the pitfalls of underquoting and misleading price guides
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You see the listing. $750,000. You feel a flicker of hope. Maybe this time. Maybe this one. Then it sells for $951,000. Welcome to the “Mirage Economy”, where price guides are bait, auctions are a blood sport, and disappointment is all too common. Why lowball price tags hurt more than your wallet It’s not just…