First Home Buyers

Buying your first home is not one decision — it’s about forty. Arrivau’s first-home hub breaks them down into five stages:

1. Savings — how much deposit you actually need in each state
2. Grants — FHOG state-by-state, plus First Home Guarantee Scheme (5% deposit, no LMI)
3. Pre-approval — what lenders need, in what order
4. Offer and contract — cooling off, conditional vs unconditional, what the agent doesn’t volunteer
5. Settlement — final inspection, day-of funds transfer, insurance

Start at the FHOG state table and work down the list. All the articles are linked so you can jump between them without losing your place.