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How to set the right budget for your first home
Learn how to set the right budget for your first home. Understand borrowing capacity, repayments and your comfort zone so you can buy with confidence
May 21, 2026
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Learn how to set the right budget for your first home. Understand borrowing capacity, repayments and your comfort zone so you can buy with confidence
Learn the biggest mistakes first home buyers make, from late pre approval to hidden costs, and how to avoid them so you can buy with confidence
Banks review your last 3 months of spending. Learn how subscriptions, food delivery and habits affect borrowing capacity and how to tidy up before applying
Banks use four key pillars to calculate borrowing capacity. Learn how income, expenses, debts and credit behaviour shape your borrowing power.
House prices will not drop unless supply increases. Learn why low stock keeps prices high and what this means for buyers in today’s market.
Choosing between a low rate and a smart loan structure can be confusing. Learn which option supports your long term goals and helps you save more.
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Buying your first home is exciting but can feel overwhelming. This guide breaks the process into clear, practical steps so you can move forward with confidence. With the right preparation, your first home is closer than you think.