First Home Guarantee in Sydney: Your 5% Deposit Path From October 2025
The First Home Guarantee in Sydney increases price caps to $1.5m from 1 October 2025, allowing you to buy with a 5% deposit and avoid LMI. See what this means for suburbs, auctions, and repayments, then map a clear plan for your first home.
Family Guarantee Home Loans: Buy Sooner with No Deposit
Saving a 20% deposit while keeping up with rent and rising living costs can be challenging for many Australians. For many first home buyers and single parents, the upfront cost of homeownership is one of the biggest hurdles to overcome. A Family Guarantee Home Loan could be the support you need to buy a home […]
Beyond First Homes: Other Ways to Avoid Transfer Duty in QLD
When buying property in Queensland, transfer duty (also known as stamp duty) is one of the most significant upfront costs to plan for. But what many buyers don’t realise is that some may qualify for a stamp duty exemption in QLD, depending on their situation. While much of the attention in 2025 has been on […]
Stamp Duty in Victoria: Save Money & Avoid Costly Mistakes
Key Takeaways Stamp duty in Victoria is usually the largest cash cost of a purchase after the deposit. On a $750,000 home, it comes to $40,070 at general rates, and that amount often has to come from savings, not the loan. What you pay depends less on the price than many buyers expect and more […]
Buying vs. Building in Queensland: Which Option is Better for First-Home Buyers?
Choosing between buying an existing home or building a new one is a big decision for first-home buyers in Queensland. Each option has its own set of advantages and challenges, influenced by factors such as cost, location, government incentives, and long-term investment potential. Queensland’s property market continues to be a popular choice for first-home buyers, […]
Queensland Stamp Duty Exemption: What First Home Buyers Need to Know
Many first home buyers in Queensland are finding it harder to afford a home. With rising property prices, high deposit requirements, and hefty upfront costs like stamp duty, the financial hurdles have been challenging. Some have had to delay their plans, while others struggle to save enough for both a deposit and taxes. But things […]
Fixed vs Variable Home Loans for First Home Buyers in Australia
Choosing your first home loan can feel overwhelming. Should you pick a fixed rate for stability or a variable rate for flexibility? Understanding the differences can help you make a more informed choice and possibly save on interest over time. In this guide, Unconditional Finance explains the pros and cons of fixed and variable home […]
Best Lenders for First-Time Home Buyers in Australia
Buying your first home is exciting, but choosing the right lender can be challenging. With so many home loan options available, knowing where to start is key. The right lender may offer competitive rates, flexible loan features, and special incentives that could help make homeownership more accessible. In this guide, Unconditional Finance explores some of […]
Steps to Buying Your First Home: A Complete Guide
Buying your first home is a huge milestone, but let’s be real, it can also feel pretty overwhelming. With so much to think about, from saving for a deposit to getting a home loan and covering extra costs, it is easy to feel lost in the process. The good news? Unconditional Finance is here to […]
Mortgage Broker for First-Home Buyers in Australia
Buying a first home is exciting, but the loan process can feel overwhelming. With so many lenders, loan types, and government incentives, it’s easy to get lost in the details. A mortgage broker can simplify the process—helping buyers compare loans, understand terms, and improve their chances of securing approval with confidence. In this guide, Unconditional […]
First Home Buyer Grants & Incentives
Owning a home in Sydney is a dream for many, but rising property prices and high upfront costs can make it challenging. Fortunately, there are several government grants and incentives that may help first-home buyers enter the property market with lower deposits, reduced stamp duty, and financial assistance. If you’re a first home buyer in […]
How to Future-Proof Your First Home Loan Against Rate Rises and Market Shifts
Buying your first home is an exciting milestone, but securing a home loan for first-time buyers isn’t just about getting approved—it’s about ensuring that your mortgage remains affordable and manageable in the years ahead. Home loan interest rates in Australia fluctuate based on economic conditions, and recent shifts in the market highlight the importance of […]