Tag: first home buyer
All the articles with the tag "first home buyer".
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Guarantor Home Loans: Using Family Equity to Avoid LMI
At its March 2025 meeting, the Reserve Bank of Australia held the cash rate at 4.35 per cent for the fifteenth consecutive board meeting, keeping variable mo…
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LMI Waiver for First Home Buyers: Which Lenders Offer It?
First-home buyers entering the Australian housing market in 2025 face a deposit hurdle that has grown taller rather than shrinking, despite the Reserve Bank…
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First Home Guarantee: Income Caps and Property Price Limits
The RBA held the cash rate at 4.35 percent in May 2024, and forward-market pricing suggests at least one more cut won’t materialise until early 2025. For fir…
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First Home Owner Grant NSW: Eligibility Criteria and Payment Amount
For a first‑home buyer in Sydney’s western suburbs, a $10,000 grant can read like a rounding error against a median dwelling price still hovering near $1.1 m…
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Victorian First Home Buyer Stamp Duty Exemption Thresholds and Conditions
The Victorian property market has entered a phase of structural adjustment that sharpens the financial arithmetic for first home buyers. Melbourne’s median d…
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Family Home Guarantee: Single Parent Home Loan with 2% Deposit
Single-parent households in Australia face a housing affordability equation that has become more unforgiving in the past 12 months. Even as the Family Home G…
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First Home Super Saver Scheme: How to Save for a Deposit Using Super
First home buyers entering the property market in 2025 face an uncommon set of constraints. The Australian Prudential Regulation Authority has kept its resid…
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Using Gift Funds for a Home Loan Deposit: ATO and Lender Documentation Requirements
In the six months to December 2024, the median first home buyer deposit requirement across Australia’s five mainland capitals reached $119,200, up 5.3 per ce…
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First Home Buyer Income Limits for Federal Home Guarantee Scheme 2025
The federal Home Guarantee Scheme was rebuilt from the ground up on 1 July 2024, and the income thresholds that first home buyers need to sit under are now m…
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Using a Guarantor Loan to Waive Lenders Mortgage Insurance: CBA and Westpac Policies
The Lenders Mortgage Insurance (LMI) waiver available through family guarantee structures used to be a niche option. In 2025 it has become a strategic lever…
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Victorian First Home Owner Grant for New Homes and Off-the-Plan Purchases
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Queensland First Home Owner Grant: Established vs New Build Houses
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