First-Home Buyer Paths in Australia: 5% Deposits, No LMI & Stamp Duty Savings

Описание: First-home buyer in Australia? This episode breaks down the real pathways to getting in sooner: 5% deposits with no LMI, state stamp duty savings, how gifts and rent ledgers work for “genuine savings”, and when a family guarantor can help you buy with no savings. We also cover combining schemes and the timeless rule: buy when you can (not when the news cycle says so).

Podcast produced by ‪@WeAreColossalStudios‬

⏱️ Chapters:
00:00 – Introduction
01:30 – 5% deposit with no LMI (how it works)
01:57 – Example: cash needed on a $500k purchase
02:44 – Genuine savings: gifts & rent ledgers (no 3-month wait)
03:09 – Lump-sum deposits (parents, selling assets) now acceptable
03:56 – VIC stamp duty: $0 ≤$600k, discounts $600–700k
04:41 – Stacking savings: LMI + stamp duty = big $$ saved
04:54 – Security guarantor loan: buy with no savings
05:51 – Can retired parents be guarantors? (often yes)
09:20 – Your first-home plan: start with a broker, ask everything
10:20 – Combine schemes (FHBG + stamp duty concession)
11:13 – “Buy when you can” (why timing yourself can backfire)

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