Whether you’d like to explore First Home Buyer information or learn more about home loans, you can browse our guides and tools. We publish general information and resources; we do not accept loan applications or quote requests, arrange referrals or provide personalised financial or credit advice.
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For general questions, compliments or complaints about our website, please write to Clark Family Pty Ltd at the mailing address below.
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Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
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If you have a concern or complaint about our website, including the way your personal information has been handled, please write to us at the mailing address above in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
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Website Operator
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
For general information about financial services licensing and regulatory matters, please visit the ASIC website.
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
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
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
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
Your credit score can influence more than whether a lender is willing to consider your home loan application. It may also affect the interest rate and loan terms you are offered, because lenders use credit history as one part of assessing repayment risk. Even a small rate difference can change monthly repayments and total interest over a long mortgage term. - read more
First home buyer grants, concessions and government schemes in Australia may help with upfront costs, deposit planning or loan access, but eligibility depends on where you buy, what you buy and your personal circumstances. - read more
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
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
Knowledgebase
Credit Utilization: The amount of credit you are using compared to the amount of credit available to you, typically expressed as a percentage.
