Category: first home buyer
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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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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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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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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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Why it’s crucial to get an independent Building & Pest Inspection
Buying a home is supposed to feel like a step toward safety, stability and a future. That is why it is so devastating when buyers discover hidden damage, structural issues or termites after settlement. These are problems that could have been caught with the right inspection. However, many first-time buyers end up trusting inspectors recommended…
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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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Let them: redefining what it really means to “have it all” as a woman in today’s world
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This week, an article in The Sydney Morning Herald stopped us in our tracks: “Women fought for equality. Instead, we’re exhausted.” It hit a nerve, not because it said anything new, but because it said what so many women already feel. The conversation around “having it all” keeps coming back, and almost always, it’s directed…
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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…
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Why Australian women are redefining the rules of money and property
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financial confidence, financial independence women Australia 2026, Financial literacy, financial stereotypes women money, Financial wellbeing, first home buyer, gender wealth gap Australia, how to prepare to buy a home Australia, Money Mindset, Money Myths, women buying property Australia, women first home buyers AustraliaFor too long, women have been framed as financially irrational. Pop culture jokes about “girl math” or labels us as emotional spenders who need help managing money, while men are celebrated as savvy investors, confident savers, and natural wealth-builders. But these stereotypes don’t just misrepresent reality, they hold women back. The truth is, women are…
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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…