Three rate rises, a renamed deposit scheme and four states that changed their rules this year. This guide has the current numbers, sourced.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
FHOG, stamp duty exemptions and the changes in TAS, ACT, WA and QLD this year, with the dates.
What replaced the First Home Guarantee, the new price caps by region, and how it stacks with Help to Buy.
The 3% buffer, the DTI cap, HELP debt treatment and the credit card limit trap, with worked numbers.
Falling values, rising rates, and what changed this year
FHOG by state, and how the FHSSS actually works
Renamed, uncapped, and the single biggest saving available
Shared equity, 2% deposit, and the trade you are making
Where the thresholds sit now, and where they moved
The buffer, the DTI cap, HELP debt and credit limits
From deposit to keys, and the documents you need
What actually goes wrong, and what the purchase really costs
A 90 day plan you can actually follow
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