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The home loan market in Australia can be a confusing place for first time home buyers and experienced home owners alike. There is a great variety of home loan products available to borrowers, and every lender offers different features for each type of mortgage they offer.

The easiest way to enter the home ownership market in Australia is by qualifying for an Australian home loan. A home loan gives buyers the ability to pay for their home over time, entering the housing market with little cash up front. With an Australian home loan, the benefits of home ownership start immediately instead of waiting a long time to save up the funds for a home.

So you’ve done all the research, used our loan comparison calculators to find out what type of home loan works best for your financial situation, and now you’re either in your new home or about to settle. You now find yourself with a big mortgage to pay that includes interest that keeps adding up.

Purchasing a home can be a daunting and complicated task. Whether it’s your first home or your fourth, the home buying process can be one of the most stressful events you’ll ever experience. It doesn’t have to be so difficult, though. Savvy home buyers can load up on knowledge ahead of time, long before the process get under way, in order to prepare for every step.

In the state of Victoria there are three different incentive plans available for first-time home buyers. The State Revenue Office of Victoria offers programs that, depending on whether the home is new or existing and where the home is located.

To stimulate home ownership, The Queensland government sponsors many grants and concessions for first-time home buyers in the state. For these buyers, the Office of State Revenue has detailed information on the First Time Home Owner grant, First Home Buyer Stamp Duty Concessions, and even special additional incentives for buyers purchasing homes in certain regionsContinue Reading

First-time home buyers in South Australia have two very good incentives that can add up to offset the cost of the Stamp Duty and ease the cost of getting into home ownership for the first time. The First Home Owner Grant and the new First Home Bonus can combine to give first-time buyers up toContinue Reading

There are several grants and concessions available for first-time home buyers looking to purchase in the Northern Territory. These concessions can offset taxes and fees, offering a tremendous incentive to buy your first home. There are even concessions for those purchasing a home who are not first-timers. The First Home Owner Grant (FHOG) is essentiallyContinue Reading

Across the Bass Straight, Tasmania has incentive programs, including Duty Concessions and the First Home Owner Grant, aimed at helping first-time home buyers establish themselves on the island state. There is also an exemption available to all home buyers that can offset the land tax and make home ownership in Tasmania even more affordable. TheContinue Reading

The Western Australia Department of Treasury and Finance offers a First Home Owner Grant and Stamp Duty concessions in order to enable home buyers to get into home ownership for the first time. In addition to these incentives, The Government of Western Australia’s Real Estate and Business Agents Supervisory Board offers assistance to first-time homeContinue Reading