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Planning and budgeting

Deposits. Unexpected costs. Home loan terminology. There's a lot to consider when buying a home.

Here we help break it down, whether you're a first home buyer, buying an investment property or even building or buying off the plan. 

Buying your first home

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Home loan deposits explained

If you’re saving hard for your deposit, you may be wondering why you need one and what exactly you’re meant to do with it.

  

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How a guarantor could help you buy your first property sooner

When you’re trying to save a deposit, it can feel like you’re trapped on a frustrating merry-go-round.

  

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Getting to know the First Home Owner Grant (FHOG)

Eligible first home buyers may get money from the government to help them buy their first home. It’s called the First Home Owner Grant (FHOG).

 

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How much do you really need for a house deposit?

It depends on a range of factors – from how much a lender is willing to lend to you, to whether you’re willing to pay a little more on the loan.

 

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How to save for a house deposit – the smart way

When you’re saving up for a house deposit, every little tactic can help. Here are some suggestions for reaching your savings goal.

  

Budgeting

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What you want vs what you need

When you’re house hunting, it pays to recognise the difference between things you actually need and those that could turn out to be expensive indulgences.

  

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The unexpected costs to consider when buying a house

There’s more to buying a house than meets the eye. It can help to tally up all the costs of home-buying before you start.

  

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Things to consider when working out how much to borrow

Once you have a ball-park figure of what you can borrow, you can look for homes in your price range with more confidence.

 

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What is stamp duty and how could it affect you?

Stamp duty could have an impact when buying a house and it can help to know what’s involved. Learn how it could affect your first home purchase. 

  

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Stamp duty and other costs of buying a property

If you’re working out the costs of buying your home, there are other charges to consider in addition to the purchase price. Some of these are listed below.

  

Building or buying off the plan

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Thinking about building? Understand your options

Tossing up between a house and land package and becoming an owner-builder? Here are some things to consider.

  

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Getting loan approval for buying land

If you’re planning on buying land in a new estate, you probably want to feel certain that you can borrow the balance when it’s time to settle. 

  

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Buying off the plan

Buying off the plan may have advantages compared to buying an existing property, but there are some risks to consider too.

  

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What to consider before you buy off the plan

Buying ‘off the plan’ is increasingly popular. But what are some of the things you need to know before you sign on the dotted line?

  

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Buying off the plan: pros, cons and how to pay your deposit

Buying off the plan means paying a sizable deposit, then waiting until it’s finished before paying the balance of the purchase price. 

  

Investment property

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Understanding negative and positive gearing

What investment strategy could work for you? Learn more about negative and positive gearing. 

   

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Understanding equity

Equity is the difference between the value of your property and how much you owe on it. Find out how you can make it work for you.

   

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What is 'rentvesting'?

‘Rentvesting’ is a relatively new term, coined to describe property buyers who continue to rent the home that they live in, and rent out their investment property. 

   

Understanding home loans

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Home loan Frequently Asked Questions

We answer frequently asked questions about home loans to help you through the property buying process.

  

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What's a Loan to Value Ratio (LVR)?

Loan to Value Ratio is one of those things you’ll hear about a lot in the world of home loans. It’s important because it may affect your borrowing power. 

  

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Key things you need to know about Lenders Mortgage Insurance

Finding it difficult to save up a 20% home loan deposit? You might still be able to borrow from a lender, but you may have to pay Lenders Mortgage Insurance.

  

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Home loan terminology - Jargon buster

Use this jargon buster to look up terms and phrases you may come across along when buying a home.

  

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Fixed vs variable home loans: which one may be right for you?

We explore some of the differences between fixed and variable home loans, to help you decide what’s best for you.

  

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What's the difference between redraw and offset?

Buying off the plan means paying a sizable deposit, then waiting until it’s finished before paying the balance of the purchase price. 

  

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How to apply for pre-approval for your home loan

Applying for home loan pre-approval can give you a good idea of how much you could afford to borrow, so you know your limits when house hunting. 

  

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Offset accounts explained

An offset account can be a good way to reduce the interest charged on your home loan, while also giving you access to your money whenever you need it. 

  

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Redraw facilities: the what, why and how

Redraw lets you access extra principal repayments you’ve made on your loan. This could come in handy if you need some extra cash down the track. 

  

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The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF, 104kB) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.