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Buying a first home doesn’t have to mean years of eating beans on toast while you scrape together a 20% deposit. Here’s how you could break into the property market with just a 5% deposit.  The Australian government’s 5% Deposit Scheme has been around since 2020, and in that time it’s been a game-changer for more than 300,000 first home buyers . That’s because the scheme offers a chance to buy a first home with a 5% deposit – or as little as 2% for single parents. The scheme

If you’re in the market for a home, you may have noticed there hasn’t always been a whole lot of choice in recent months. Fortunately, it looks like property listings are really starting to pick back up. Here’s how to make the most of the increase in choice. Sure, price is the obvious big barrier when it comes buying your first home. But that’s often got a whole lot to do with a lack of supply (less supply than demand typically = higher prices). And in fact, Westpac says supp

More bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate for the second time this year to 4.10% in a 5-4 split decision vote. How might this impact your monthly mortgage repayments? Hardly seems fair to hike the cash rate by another 0.25% with petrol prices so high right now (which one could argue will reduce discretionary spending) – but it wasn’t enough to sway the majority of the RBA board, unfortunately, which v

Who wouldn’t want to save on home loan interest and pay off their mortgage faster? Homeowners are increasingly turning to offset accounts to do just that. So today we’ll look into whether an offset account could benefit you. The recent RBA cash rate hike has led homeowners to embrace a variety of strategies to ease the rate pain, and it turns out one of the most popular options is a home loan offset account. One of the big 4 banks, NAB, says it is seeing “ offset accounts sur

As home prices climb higher, first home buyers can feel like the goal posts are continually shifting further out of reach. But there is a way to potentially cut years off the time taken to buy a home. Saving a first home deposit has never been easy – especially in the last decade or two. And as property prices continue to head north, first home buyers can be left wondering if they’ll ever be able to save a 20% deposit. But don’t give up on your dream of home ownership just ye

Sure, saving a deposit is important, but your income can hold the real key to getting into the market. That’s because it shapes your borrowing power. It stands to reason that lenders will look closely at your personal income when you apply for a home loan. It’s not just about you being able to comfortably handle loan repayments. Lenders also have a legal responsibility to be sure you’re not taking on too much debt . The challenge for home buyers is that it can be unclear what

Growing numbers of younger Australians are opting for regional living, and part of the lure of a ‘seachange’ or ‘treechange’ can be the chance to get more bang for your buck. As property values climb higher, the median home price across our combined capitals has just pushed past the $1 million mark . That’s seeing a rethink among plenty of Aussies, who are swapping city skylines for regional horizons. Relocations from capitals to regions are outpacing moves in the opposite di

Myth busted! Baby Boomers no longer own the bulk of housing wealth in Australia. We reveal who does, and how you could get started in the property market. As many Baby Boomers (those born between 1946 and 1964) start to enjoy their retirements, they are passing the baton of property ownership over to the next generation. A new report by KPMG reveals that Gen X (born 1965-1980) now holds more property-based wealth than any other generation . Not to be outdone, Millennials (198

Bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate by 25 basis points to 3.85%. Today we’ll look at why it did so, and how this rate hike could impact your monthly mortgage repayments. Well, those three rate cuts in 2025  were nice while they lasted! But recent ABS inflation data  (3.8% in the year to December 2025) has the RBA concerned enough to start 2026 with a rate rise in an attempt to beat inflation back dow

After a lengthy run of rising prices in 2025, some pundits are tipping property prices could keep climbing in 2026. Today we’ll take a sneak peek inside the experts’ crystal ball – and what it could mean for your home buying plans. 2025 was a great year for home owners, though a little more challenging for buyers, with property prices climbing 8.6% nationally . And it seems there could be plenty of steam left in the market to push prices higher in 2026 – and again in 2027. A