100% home loans: can I borrow the full purchase price of a property? On this page ▾ Why a standard home loan stops short of 100% How a guarantor loan gets you to 100% 100% of the price versus 100% plus costs What "costs" means when you buy in NSW Genuine savings and gifted deposits…
Home loan with a new job: probation, payslips and approval in 2026 On this page ▾ Can you get a home loan on probation? How lenders look at a job change Payslips: why the first one often isn’t enough Documents to have ready Timing: apply before you resign, or after you start? Bonus, overtime and…
Casual employment home loan: how to get approved in 2026 On this page ▾ How lenders calculate casual income How long do you need to be casual to get a home loan? Casual, part-time or contractor: why the label matters Documents casual employees need for a home loan Why casual home loan applications get declined…
Ensure a smooth home loan application process with our comprehensive home loan application document checklist. From proof of income to property documentation, we outline the specific documents required for salary/wage earners, self-employed individuals, rental income, and more. Be prepared and increase your chances of securing a mortgage tailored to the Australian market.
First home buyer stamp duty exemption NSW: what you’ll pay in 2026 On this page ▾ Worked examples: $650,000, $800,000, $900,000 and $1 million NSW stamp duty rates for 2026-27 Who is eligible for the First Home Buyers Assistance Scheme Who isn’t eligible for the stamp duty exemption The residence requirement, and what happens if…
First home owners grant by state: 2026 amounts and rules On this page ▾ What is the first home owner grant? First home owners grant by state: the 2026 comparison table The new-build-only trap: why most grants skip established homes First home owners grant WA First home owners grant SA First home owners grant VIC…
Australian Government 5% Deposit Scheme: 2026 NSW Guide On this page ▾ What is the Australian Government 5% Deposit Scheme? Who is eligible? Property price caps for NSW and Western Sydney How much deposit do you actually need? Which lenders offer the scheme? Stacking the scheme with other NSW first home buyer help 5% Deposit…
House and Land Package Financing in NSW: A Broker’s Guide On this page ▾ What is a house and land package? How financing actually works (the two-loan structure) NSW stamp duty on house and land packages: the land-only saving Government schemes for NSW house and land buyers (2026) How much deposit do you need? Hidden…
First Home Super Saver Scheme: your complete 2026 guide On this page ▾ What is the first home super saver scheme? Eligibility requirements Contribution limits and caps How to contribute to your FHSSS Tax treatment and benefits The withdrawal process Comparing FHSSS with other schemes Early access and financial hardship Common questions The first home…
Help to Buy Scheme Australia: How the Government’s Shared Equity Scheme Works On this page ▾ What Is the Help to Buy Scheme? Help to Buy Eligibility: Who Qualifies? Property Price Caps by State What Homes Can You Buy Under Help to Buy? Which Lenders Offer the Help to Buy Scheme? How to Apply: Step-by-Step…
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