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First Home Loan Articles

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

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Home Loan Articles

First Home Buyer Costs in Australia: Upfront and Ongoing Expenses Explained

Buying your first home involves more than saving a deposit. This guide explains the upfront, settlement and ongoing costs Australian first home buyers may need to budget for. - read more

Navigating Government Grants: A First-Time Homebuyer's Guide

For many Australians, purchasing a home is one of the biggest financial commitments they will undertake. As a first-time home buyer, navigating the financial landscape can be daunting. This is where government grants come into play, offering much-needed support and financial relief to those entering the property market for the first time. - read more

How the First Home Buying Process Works in Australia

A step-by-step guide to the first home buying process in Australia, from budgeting and loan preparation through to making an offer, formal approval, settlement and post-settlement responsibilities. - read more

Essential Tips to Boost Your Loan Eligibility as a First-Time Homebuyer

Welcome to our deep dive into the world of loan eligibility for first-time homebuyers in Australia. Buying your first home is both an exciting and daunting experience. Fortunately, you're not alone on this journey. This article aims to arm you with the essential tips and insights needed to boost your loan eligibility as a first-time buyer. - 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 Affordable Properties May Become More Competitive

16 Sep 2026: Paige Estritori

Fresh property market commentary suggests competition is increasingly concentrating around the more affordable end of the housing market. While premium homes may move at a different pace, many buyers are turning their attention to units, townhouses and smaller houses that appear closer to reach. For first home buyers, that shift can be encouraging, but it can also make entry-level properties feel more crowded. - read more

Why Home Insurance Is Now a Bigger First-Home Budget Item

09 Sep 2026: Paige Estritori

Recent property and finance reporting suggests home insurance is becoming a more important affordability test for first home buyers, not just a post-settlement detail. Premiums remain under pressure from severe weather risk, higher rebuilding costs and insurer pricing changes, and that can flow directly into the budget a lender expects you to manage. - read more

Why Lower Savings Rates Could Slow Your First-Home Deposit Plan

02 Sep 2026: Paige Estritori

Recent savings market reporting suggests Australian banks are continuing to adjust high-interest savings and bonus saver accounts as the interest rate cycle changes. For first home buyers, this may sound like a side issue compared with house prices or loan rates, but it can directly affect how quickly a deposit grows. - read more

Why the Home Loan Stress Test Still Matters for First Buyers

26 Aug 2026: Paige Estritori

Australia’s home loan market is showing signs of renewed competition, with some lenders adjusting rates and sharpening offers for borrowers with strong applications. For first home buyers, that can sound like a welcome shift after a long stretch of affordability pressure. But one important hurdle remains firmly in the background: the serviceability buffer. - read more

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Knowledgebase

Personal Loan:
a loan that is granted for personal use, normally unsecured and granted by a lender on the borrower's integrity and capacity to repay

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