First Home Buyer Guide Australia

First Home Guarantee — Buy with a 5% Deposit

How the First Home Guarantee (FHBG) lets you buy with as little as 5% deposit without LMI. Eligibility, price caps, and how to apply.

$10,000–$15,000 grants available in NSW, VIC, QLD, WA, SA, TAS, ACT, and NT. Complete eligibility guide by state.

Save thousands on stamp duty with first home buyer exemptions and concessions. Full guide for every Australian state.

Save for your first home through super with major tax advantages. How the FHSS scheme works, limits, and step-by-step process.

The federal shared equity scheme where the government takes a 30–40% stake. Buy with only a 2% deposit and no LMI.

Compare fixed and variable rates, offset accounts, redraw facilities, LMI, and how to choose the right lender for your first home.

Smart strategies to save your deposit faster, understand LMI, and use government schemes to reduce the deposit you need.

Complete walkthrough of the home buying process — pre-approval, property search, offers, cooling-off, conveyancing, and settlement.

Learn from the 10 most common mistakes first home buyers make and how to avoid overpaying, missing inspections, and costly errors.

Compare property prices, stamp duty, grants, and total upfront costs across all 8 Australian states and territories.