Buying Your First Home as a Couple in Australia (2026)
Buying your first home as a couple in Australia? Two incomes don't double your borrowing power. See what lenders assess and the 5% and 15% no-LMI paths.
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Deposit
Articles tagged with Deposit.
5 articles
Genuine Savings Home Loan Rules: What Counts, What Doesn't
Genuine savings on a home loan: the three-month rule, what counts, what doesn't, and how a gifted deposit or 12 months of rent can still work for you in 2026.
LVR Explained: The One Number That Decides What You Pay
Your loan to value ratio affects your deposit, LMI costs and interest rate. Learn how LVR works, why 80% matters, and how some borrowers skip LMI at 95%.
85% LVR, No LMI Home Loan Australia — for Every Borrower
85% LVR with no LMI, for any Australian borrower. Buy or refinance with a 15% deposit and skip a ~$20,000 LMI bill. The lifetime saving is closer to $45,000.
How Much Deposit for a First Home in Australia? Not 20%
How much deposit do you need for a first home in Australia in 2026? As little as 2-5%. The 20% rule is dead. See every pathway and the maths on a $700,000 home.
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