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Insights and Expert Advice
Explore our Blog for expert tips, strategic insights, and practical advice across lending, property, and business finance. Whether you're growing your investment portfolio, planning your next purchase, or navigating complex financial decisions, our content—supported by trusted partners—helps you make smarter, more confident moves.
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Government Incentives
Eligibility criteria apply.
Federal Government Scheme
First Home Guarantee (FHBG):
Supporting eligible home buyers to buy a home sooner, with a deposit as little as 5%.
Regional First Home Buyer Guarantee (RFHBG):
Supporting eligible regional home buyers to buy a home sooner, in a regional area, with a deposit as little as 5%.
Family Home Guarantee (FHG):
Supporting eligible single parents and eligible single legal guardians of at least one dependent to buy a home sooner, with a deposit as little as 2%.
Click here to learn more.
Australian Capital Territory
The ACT Government has a concession scheme to help people to buy the home by removing or reducing duty on any property.
Click here to find out more.
New South Wales
First home buyers in NSW may be eligible for a duty exemption, concession or grant. Key workers, single parents and single people 50 or over may also be eligible for Shared Equity Home Buyer Helper.
First Home Buyers Assistance Scheme:
Full or partial exemption on Stamp/transfer duty.
First Home Owners Grant (New Home):
$10,000 towards the purchase price, in addition to the First Home Buyers Assistance Scheme benefits.
Shared Equity Home Buyer Helper:
Support for eligible first home buyer key workers.
Click here to find out more
Northern Territory
If you are buying or building a new home, you can apply for a First Home Owner Grant (FHOG) of $10,000.
Click here to learn more.
Queensland
The first home owner grant gives eligible first-time home buyers $15,000 towards buying or building a new home in Queensland.
The regional home building boost grant gives eligible applicants $5,000 after the purchase or construction of a brand-new house, unit or townhouse in regional Queensland.
When you buy or acquire a residence or vacant land on which you intend to build your first home, you may be able to claim a concession that reduces the amount of transfer duty you have to pay.
Click here to learn more
South Australia
First Home Owner Grant: You may be eligible for a first home owner grant of up to $15,000
Stamp Duty Relief for Eligible First Home Buyers: You may be eligible for a stamp duty relief on the transfer of land.
Click here to learn more
Tasmania
A first home owner grant is available to eligible applicants who purchase or build a new home in Tasmania. $30 000 grant: for transactions that commence between 1 April 2021 and 30 June 2024.
Click here to learn more.
Victoria
In Victoria you can receive $10,000 with the First Home Owner Grant (FHOG) If you are buying or building a new home valued up to $750,000.
To be eligible, the home must not have been previously sold or occupied. You may also be eligible for, and receive, more than one exemption, concession or reduction from stamp duty for your property.
Click here to find out more
Western Australia
You may be eligible to the grant being $10,000 or the consideration paid to buy or build the house if less than that amount.
Click here to learn more.
Understanding Home Loan Jargon
Understanding Home Loan Jargon: A Beginner's Guide
Navigating the world of home loans can feel overwhelming, especially for first-time buyers and first-time investors. This article aims to simplify complex loan terminology, empowering you to make informed decisions with confidence.
Loan-to-Value Ratio (LVR): The LVR is the ratio of the loan amount to the value of the property being purchased. Understanding your LVR helps determine how much deposit you'll need and whether you'll require Lenders Mortgage Insurance (LMI).
Lenders Mortgage Insurance (LMI): LMI protects lenders if the borrower defaults on their loan. It's usually required when the LVR exceeds 80%. Knowing about LMI upfront can help you budget for additional costs associated with your home loan.
Stamp Duty: Stamp Duty is a state government tax levied on certain transactions, including property purchases. The amount payable varies depending on factors such as the property's value, location, and whether you're a first-time buyer. It's essential to budget for Stamp Duty when calculating the total cost of purchasing a property.
Conveyancer vs. Solicitor: When it comes to legal matters related to property transactions, you have the option of hiring either a conveyancer or a solicitor. While both professionals can handle the legal aspects of property purchases, there are differences between them. Conveyancers specialize in property law and focus specifically on property transactions, while solicitors are qualified legal practitioners who can provide a broader range of legal services. Understanding the distinctions between conveyancers and solicitors can help you choose the right professional to assist you with your property purchase.
Owner Occupied vs. Investment Property: Distinguishing between these two types of properties is crucial. An owner-occupied property is where you live, and sometimes referred to as your Principal Place of Residence (PPOR), while an investment property is purchased to generate rental income or for capital appreciation. Different lending criteria and interest rates may apply to each. It's important to understand this concept, as it can affect your eligibility for certain government benefits and tax exemptions.
Understanding these fundamental home loan terms is essential for anyone considering purchasing a property. By explaining home loan terminology, we aim to empower you to make informed decisions that align with your financial goals and circumstances.
Credit Representative Number 545975 is authorised under Australian Credit Licence 384324 (outsource Financial Pty Ltd). This is general information only and is subject to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Vadium Lending (ABN 62 213 831 884).
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