First Home Buyers
How Do I Set Up a Budget to Save for a Home Deposit in Australia?
There's no single required system for budgeting toward a deposit. Compare common approaches, tools and trade-offs — without a one-size timeline.
Guides & explainers
Page 8 of 12.
First Home Buyers
Are There Lenders That Accept a 3% Deposit for First Home Buyers in Australia?
No standard lender product is verified at a 3% deposit. Sub-5% deposits mainly come through government schemes — here's how they work.
First Home Buyers
Can I Use Equity in My Parents' House as My Home Deposit?
A family guarantee lets a parent's equity secure part of your loan — but it puts their property at risk. How it works, and what to ask first.
First Home Buyers
How Do Banks View Cryptocurrency Gains When Assessing My Savings?
Crypto gains raise two separate questions for a home deposit: will a lender count the funds, and what tax applies. What's verified, and what isn't.
First Home Buyers
Average First Home Deposit by Capital City
ABS median established house prices by capital city, with the 20% benchmark deposit worked out for each — and why 20% isn't compulsory.
First Home Buyers
Can I Use a Personal Loan as a Deposit for an Australian Home Loan?
A personal loan deposit usually fails the genuine savings test and its repayments count against your borrowing capacity — how both effects work.
First Home Buyers
Can I Use a Cash Gift From My Parents as a House Deposit in Australia?
Yes — but lenders may want proof it's a genuine gift, and a parent's gift can raise separate tax and Centrelink questions worth checking first.
First Home Buyers
Is the First Home Super Saver Scheme Worth It for First Home Buyers?
There's no single yes or no on FHSS — the factors that decide it for you, and why a registered tax agent is the right person to weigh them.
First Home Buyers
How Much Can I Withdraw From My Super for a House Deposit?
You can't dip into your super balance for a deposit — FHSS releases only voluntary contributions, capped at $15,000 a year, $50,000 total.
First Home Buyers
How Does the First Home Super Saver (FHSS) Scheme Work?
The FHSS scheme lets first home buyers save inside super — contribution caps, the release formula, and the steps to withdraw it for a deposit.
First Home Buyers
What Is Considered 'Genuine Savings' by Australian Lenders?
'Genuine savings' isn't a legal term — it's a lender policy that varies bank to bank. The framework, what's commonly weighed, and how to check.
First Home Buyers
Can I Buy a House in Australia With a 5% Deposit?
A 5% deposit can buy a home in Australia via LMI, the Home Guarantee Scheme or Help to Buy — how each path works, the caps, and the trade-offs.