Category: Investing
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The different ways first home buyers can buy a home in Australia
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Penny5% 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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What first home buyers really need to know about the CGT and negative gearing changes
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PennyIf 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.…
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Case study: I have $500,000 in savings. Should I buy a home now or wait?
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PennyThere’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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PennyMany 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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Strategies young Australians are using to get into the property market
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PennyDespite 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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Buying property with a friend, partner or relative: how more Australian women are getting on the ladder together
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PennyGoing it alone in the Australian property market right now is genuinely hard. We know it, you know it, the data knows it. So it’s not surprising that more women are looking at each other and thinking, what if we just did this together. Co-buying, which is purchasing a property with a friend, partner, sibling,…
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Rentvesting
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PennyWhat it is and why more first-time buyers are doing it With interest rates beginning to ease and confidence slowly returning to the property market, many women are taking a fresh look at their homeownership goals. And with the dream of buying in your ideal suburb still out of reach for many, rentvesting is becoming…
