Your free Home Buyers Guide

Plan, save, and buy with confidence

Buying your first home can feel overwhelming. This free home buyers guide gives you the checklists, budgeting tools, and expert tips to help you move from dreaming to owning.

Fill in your details and we’ll send it to you.

We’ll also email you occasional free budgeting and money tips.

Free home buyers guide – from saving to settlement

The mortgage process can be confusing and overwhelming at times but you’re in the right place to arm yourself with the right information.

Home Buyers Checklists

Stay organised through every stage of your home-buying journey. This free guide includes essential checklists for your documents, finance, and settlement. Plus a built-in monthly budget planner to help you stay financially ready every step of the way.

Understanding Home Loans

Get clear on the home loan process before you apply. Learn how deposits, interest rates, Lenders Mortgage Insurance (LMI), and fees work. Use the guide to estimate how much you can borrow confidently.

Information for First Home Buyers

Buying your first home? This guide explains the grants, schemes, and concessions available to first-home buyers across Australia, plus what to consider based on your state and property type.

Ready to get a loan?

Find the right lending solution with MyBudget Loans. Our experts compare lenders to help you secure a loan that fits your budget and long-term goals. Enquire today. A quick 15 minute call could bring you one step closer to your new home.

Looking to build?

Build with confidence through MyHomeBuild where quality, transparency, and value come together. Speak with our team of custom home builders today or explore our latest home designs to find the perfect fit for your lifestyle.

*For South Australian clients only

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Tammy Barton | Founder and Director

The MyBudget difference

We can help you get into your own home sooner!

Get a fully customised, 12-month budget plan that gives you visibility on your finances
We automate your bill payments so you don’t have to lift a finger. Sit back and relax while we do all the work for you
Saving money is easier with the support of money experts and an automated system.

Home Buyers Guide FAQs

What is included in the Home Buyers Guide?

Step by step checklists for documents finance and settlement plus a simple monthly budget to plan your costs.

Who is this guide for?

First home buyers and anyone preparing to buy a property who wants a clear process and financial plan.

How much deposit do I need to buy a home?

Many lenders prefer 20 percent but you may qualify with less if you pay LMI. The guide explains deposit paths and trade offs.

What is LMI and when do I need it?

Lenders Mortgage Insurance protects the lender when your deposit is under 20 percent. The guide shows how it affects costs and repayments.

How do I work out my borrowing power?

Use your income expenses and existing debts to estimate a safe repayment. The guide outlines what lenders assess and how to improve your position.

What documents do I need for home loan pre approval?

Typically ID income evidence bank statements and details of debts and living costs. The checklist in the guide helps you gather everything.

What up front costs should I budget for?

Stamp duty conveyancing building and pest inspections loan fees and moving costs. The guide includes a budget to map each item.

Should I choose a fixed or variable interest rate?

Each has pros and cons for flexibility and certainty. The guide explains how to match the choice to your goals and risk comfort.

How can I build my deposit faster?

Set a target automate savings reduce non essentials and clear high interest debt. The guide includes a savings plan to track progress.

What grants or schemes can first home buyers access?

Grants and concessions vary by state and property type. The guide lists common options and where to check eligibility.

What is the typical home buying timeline?

Saving and preparation then pre approval property search offer and contract then settlement. The checklists walk you through each stage.

How can MyBudget help me get home ready?

We help you create a 12 month budget plan build savings manage bills and improve your lending position so you can buy with confidence.

Can’t find what you’re looking for? More FAQs.