First Home Buyer Articles

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

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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

Understanding How Interest Rates Affect Your Home Loan Payment

Interest rates might seem like just a number, but they play a crucial role in determining how much you ultimately pay for your home. Simply put, the interest rate on your home loan is the cost you incur for borrowing money from a lender. - read more

How to apply for a first home buyer home loan in Australia

Applying for your first home loan can feel complicated, but the process is easier to understand when broken into clear stages: preparation, pre-approval, finding a property, formal approval, loan documents and settlement. - 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

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

Apartment approvals rise, but the new-home signal is mixed

04 Nov 2026: Paige Estritori

Australia’s new housing pipeline has delivered a mixed signal for first-home buyers, with the ABS reporting a September lift in total dwelling approvals but a fall in private house approvals. The 2 November 2026 release suggests future supply may be leaning more heavily towards apartments and other higher-density homes, a shift that could matter for buyers weighing affordability, location and loan size over the next year. - read more

Why falling house prices still need careful loan planning

28 Oct 2026: Paige Estritori

Australia’s spring property market has shifted sharply, with Domain’s September Quarter 2026 House Price Report, released on 22 October 2026, pointing to a broader downturn across the capitals. Combined capital city house prices fell 4.7 per cent over the quarter, while unit prices fell 3.5 per cent. For first-home buyers, that may sound like welcome relief after years of affordability pressure, but lower purchase prices are only one part of the home loan equation. - read more

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

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Knowledgebase

Second Mortgage:
A type of subordinate mortgage made while an original mortgage is still in effect.

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IMPORTANT: This website provides general information, tools and resources only. The information does not take into account your objectives, financial situation or needs and is not personalised financial, credit or insurance advice. We do not accept applications, quote requests or borrowing enquiries, assess personal eligibility, refer or match visitors to providers, or recommend or arrange products for individuals. Consider seeking advice from an appropriately licensed professional before acting on the information. You should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.