Insights
Deposits and schemes
Low Deposit Premium vs Lenders Mortgage Insurance (LMI)
Some lenders charge a low deposit premium instead of lenders mortgage insurance. How the two differ, refunds, and how to compare the real cost.
Can You Get a Home Loan at 18 in Australia?
At 18 you can apply for a home loan and use the 5% Deposit Scheme, but lenders want stable income. What helps, and how much an…
Can You Buy a House With No Deposit in Australia?
Almost never with no help, but a family guarantee, a gift or a 2% or 5% scheme can get you close. The routes, the cash each…
What Is a Deposit Bond? How It Works When You Buy in NSW
A deposit bond replaces the cash deposit at exchange. How it works in NSW, what it costs, when vendors accept it and when cash or a…
How to Save a House Deposit While Renting in Sydney
How to save a house deposit faster in Sydney: set the real target, use the 5% scheme and super saver scheme, and protect your borrowing power.
How Much Deposit Do You Really Need to Buy Your First Home in Sydney?
The 20% rule scares off buyers who could purchase years earlier. Here is what each deposit size actually means in Sydney. 5%, 10% and 20%, and…
The 5% Deposit Scheme in 2026: A Sydney First Home Buyer’s Guide
No income caps, no place limits, a $1.5m Sydney cap. How the 5% Deposit Scheme works, what it costs, and how it stacks with other help.
The First Home Super Saver Scheme, Explained
Save your deposit through super and let the tax system help. The FHSS mechanics, the strict timing rules, and how couples double it.
Help to Buy in NSW: The Shared Equity Scheme
The government contributes up to 40% of the price and you repay nothing monthly on it. How Help to Buy works and who it genuinely suits.
5% Deposit vs 20% Deposit: The Real Trade-Offs
Buy years sooner with 5%, or wait for 20% and a smaller loan? The comparison people skip, and the middle paths worth remembering.