Every calculator you need to buy a home in Australia — from "how much can I borrow?" to "should I refinance?". Real APRA rules, real stamp duty, real HEM.
5% deposit + government guarantee. No LMI. Property caps: $900k Sydney, $800k Melbourne/Brisbane. Income caps: $125k single, $200k couple.
First Home Super Saver (FHSS)
Save up to $50k inside super (up to $15k/yr), then withdraw for deposit. Concessional tax treatment can add $10k+ to your deposit vs saving outside super.
First Home Owner Grant (FHOG)
State-based. Amount varies by state ($10k-$30k) and typically only for newly built homes. Check your state revenue office.
Stamp Duty Concessions
Most states offer concessions or exemptions for first home buyers under certain property price thresholds. Can save $10k-$40k depending on state.