First Home Buyer Articles

First Home Buyer recommends the following articles which we hope you find of interest.

Simply click on the article title to read the entire content.

Home Loan Articles

First Home Buyers: Mastering the Jargon of Home Loans

Buying your first home is a thrilling milestone, filled with anticipation and the promise of a new chapter in your life. For many Australians, it's a dream to own a place they can truly call their own. However, alongside the excitement, comes the reality of navigating the complex property market, which can be daunting for first-time buyers. - read more

How deposit size, LVR and lenders mortgage insurance affect first home buyer loans

Your first home buyer deposit affects more than how much you need to save. It can influence your loan-to-value ratio, whether lenders mortgage insurance may apply, your borrowing costs and how a lender views your application. - read more

How lenders assess borrowing capacity for first home buyers

First home buyer borrowing capacity is based on more than income. Lenders usually look at income, expenses, debts, deposit size, credit history and whether repayments remain affordable if rates or circumstances change. - read more

Budgeting Blunders to Avoid When Buying Your First Home

Buying your first home is an exciting milestone, but it can also be a daunting experience, especially for young Australians. The journey is filled with challenges ranging from navigating the real estate market to securing a mortgage that won't stretch your finances too thin. - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Finance News

Why Rate Uncertainty Still Matters Before Your First Home Loan

16 Sep 2026: Paige Estritori

Interest rate uncertainty is again shaping the home loan conversation for Australian first-home buyers, with recent finance and property market reporting pointing to a cautious mood among borrowers, lenders and sellers. Even where headline price growth has moderated in some areas, the cost of borrowing remains one of the biggest practical hurdles for buyers trying to move from saving a deposit to securing approval. - read more

What Renewed Price Growth Means Before You Buy

02 Sep 2026: Paige Estritori

Australia’s housing market is again showing signs of upward price pressure, with recent property reporting pointing to renewed gains across several capital cities and regional markets. For first-home buyers, the message is not simply that homes are becoming harder to reach. It is that every moving part of the purchase needs to be checked before making an offer. - read more

Could HELP Debt Relief Improve Your First-Home Loan Chances?

26 Aug 2026: Paige Estritori

Australia’s student debt changes are becoming an important finance story for aspiring first-home buyers, especially graduates who have been carefully saving while also carrying a HELP balance. A lower study debt can make the path to a first home buyer home loan feel more achievable, but it is not a simple switch from “not ready” to “approved”. - read more

Why Mortgage Stress Headlines Matter Before You Apply

19 Aug 2026: Paige Estritori

Recent property and finance reporting has again highlighted pressure on Australian mortgage holders, with higher repayments, insurance costs, council rates and everyday bills leaving some households with less room to move. For first-home buyers, the main lesson is not that buying is out of reach. It is that preparation matters more when lenders and borrowers are both watching affordability closely. - read more

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