Between government guarantees, first home grants and low-deposit options, there are more legs-up for first home buyers than most people realise — but they have rules, caps and fine print. Stacking them correctly is the whole game.
Government-backed schemes can get eligible buyers in with a small deposit and no lenders mortgage insurance. Places and caps apply — eligibility is step one of our call.
First home grants and stamp duty concessions depend on price, property type and state rules. I'll tell you exactly what your scenario qualifies for.
A parent's equity can stand in for a deposit. Powerful, but it needs to be structured so everyone's protected.
First call: what you can borrow, what help you qualify for, and a realistic buying budget. No jargon, no judgement about your HECS.