Housing guides

A home loan combines a repayment schedule, a rate and conditions on access and changes. Compare those parts together before treating a lower advertised rate as a cheaper loan.

Income, expenses, existing debts and assessment buffers all matter. Understand why a repayment estimate cannot tell you whether a lender will approve the loan.

This guide covers payment timing, annual repayment totals, extra principal and the lender terms that govern access and changes.

This guide describes the published deposit requirement, unlimited places and property price caps for Australia’s expanded home guarantee scheme.

This guide explains eligible contribution limits, release amounts and the ATO determination and release process for Australia’s First Home Super Saver scheme.

This explanation covers the ATO’s rental expense categories, apportionment rules and rental loss treatment for Australia’s 2026–27 income year.