This is the privacy policy statement for First Home Buyer and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
First Home Buyer is an information, tools and resources website. If you contact us, we may collect the contact details and other information you provide so that we can respond to your message or privacy request.
First Home Buyer does not accept finance or insurance applications, quote requests or borrowing requirements for referral, and does not match or refer visitors to brokers, lenders or insurers.
Visitors may choose to subscribe to MoneyTips for informational content. A MoneyTips subscription is not a finance enquiry, quote request, eligibility assessment or referral request. Please read the privacy information presented when subscribing for details about how subscription information is handled.
We may use personal information where reasonably necessary to respond to correspondence, meet our legal or regulatory obligations, investigate a complaint, or manage and improve the operation of our website.
If you do not provide contact details or information needed to respond to a message or privacy request, we may not be able to respond or complete your request.
Disclosure of Personal Information
We may disclose personal information where reasonably necessary to respond to correspondence or a complaint, comply with legal or regulatory obligations, or engage service providers that assist us in operating our website and business. We do not disclose information collected through this website to brokers, lenders or insurers for consumer referrals.
We do not currently disclose personal information to overseas recipients. If our information-handling practices change and personal information is likely to be disclosed to recipients outside Australia, we will update this Privacy Policy as required.
Please note: If you follow an external link or interact with a third-party advertisement, that third party's own privacy policy and terms apply to information you provide directly to them.
Cookies and Tracking Technologies
First Home Buyer uses cookies and similar technologies to support website functionality, maintain session information, understand how visitors interact with our website and improve system performance and user experience.
We use Google Analytics 4 for analytics and measurement, and Google Ads website tags and Microsoft Advertising UET for advertising measurement and conversion-related functionality. These technologies may collect information about your device, browser, pages visited and interactions with our website.
Google Signals and Google Analytics user-provided data collection are disabled, as is personalised advertising through our verified Google Analytics-to-Google Ads links. For Microsoft Advertising UET tag 4052454, enhanced conversion tracking and Microsoft Clarity are disabled, and no remarketing audiences or lists are based on that tag.
Where these technologies involve the collection, use or disclosure of personal information, we take reasonable steps to ensure that they are used consistently with applicable privacy requirements. We seek to limit the information collected to what is reasonably necessary for the relevant purpose.
You can control or disable cookies through your browser settings. Where additional consent is required for particular tracking or advertising technologies, we may provide additional notices or consent controls when you use the website.
Security and Retention of Personal Information
We take reasonable steps to protect personal information we hold from misuse, interference, loss, unauthorised access, modification and disclosure. These measures may include access controls, secure systems, authentication measures and other technical and organisational safeguards appropriate to the information being handled.
We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including responding to correspondence, maintaining appropriate business and compliance records, resolving complaints and meeting legal or regulatory obligations.
When personal information is no longer required to be retained, we take reasonable steps to securely destroy or de-identify it, subject to any legal or record-keeping requirements.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access, such as photocopying or postage.
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete or misleading. We will respond to access and correction requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing or provide information necessary to verify your identity before providing access to personal information.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
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
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
Buying your first home is an exciting and significant milestone in life, especially for young Australians. The journey from dreaming about home ownership to holding those keys can feel both thrilling and daunting. With property prices fluctuating and the market offering numerous opportunities, understanding the dynamics of purchasing a home in today's Australian housing market is crucial. - read more
Knowledgebase
Capital Gain: The profit realized from the sale of a capital asset, such as stock or real estate, where the sale price exceeds the purchase price.
