First Home Guarantee: buying with a 5% deposit, no LMI
The First Home Guarantee can get you into a home with a 5% deposit and no LMI, if you meet the income and price caps. Here is how it works in 2026.
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Articles tagged Deposit
First home buyer guide: deposits, grants and schemes (2026)
Buying your first home in Australia comes down to a deposit, the schemes that cut the cost of getting in, and a buying journey you can actually follow. Here is how the pieces fit, with current figures hedged and date-stamped, plus where to confirm the rules.
Guarantor home loans in Australia: how they work and the risks
A guarantor home loan can get you into a home years sooner and skip Lenders Mortgage Insurance, by leaning on a parent's equity. But the person guaranteeing it takes on real risk. Here is how the arrangement works, when the guarantee is released, and what every guarantor should weigh before signing.
Lenders Mortgage Insurance (LMI) explained, and how to avoid it
Lenders Mortgage Insurance can add a few thousand dollars to a small loan, or well past $20,000 on a big one with a tiny deposit. Here is what LMI actually is, who it protects (spoiler: not you), and the legitimate ways to dodge or shrink it.