First home buyers
Deposits, government schemes, stamp duty and your first purchase, step by step.
The 5% Deposit Scheme in NSW: who qualifies and how it works (2026)
No income caps, unlimited places and a $1.5 million Sydney price cap. Here's how the expanded scheme works and what to check before you rely on it.
3 minute read
First home buyersNSW first home buyer stamp duty: exemptions, concessions and the $10,000 grant
Eligible first home buyers pay no transfer duty on homes up to $800,000 in NSW. Here's how the thresholds, concessions and grant fit together.
3 minute read
First home buyersFamily guarantee home loans: how parents can help without handing over cash
Parents can use equity in their home to help you buy sooner, without giving you money. Here's how it works and what the risks are.
3 minute read
First home buyersHome loans for new migrants and visa holders in Australia
Your visa affects which lenders you can use, how much deposit you need and whether you can buy an established home at all. Here's the overview.
3 minute read
First home buyersThe first home buyer checklist for Western Sydney
Everything to sort out before you start going to open homes, in the order you actually need it.
3 minute read
Talk it through with Ram
A free, no-obligation conversation about where you are now and what you're planning. No credit check, no pressure.