Your free Home Buyers Guide

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

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

For 25 years, MyBudget has helped 130,000+ Australians fast track their financial goals by reducing their debt and building savings.

For 25 years, MyBudget has helped 130,000+ Australians reduce debt and grow savings.

A free guide to buying a home from start 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.
 save money on your electricity bill checklist

Home Buyers Checklists

Essential checklists for required documents, preparing for settlement PLUS an in-built monthly budget! Be well prepared every step of the way.
Understanding Home Loans
Everything you need to know from key terms to seeing how much you can borrow. Understand how the deposit and LMI work, all costs involved and the types of home loans.
 save money on your electricity bill checklist
Information for First Home Buyers
First-home buyers are eligible for grants and concessions, depending on the state you live in and the property type you are buying.

Ready to get a loan?

MyBudget Loans can help you find the best lending solution for you that suits your financial position. Enquire with our team of lending experts today. A 15 minute call is all it takes.

Looking to build?
MyHomeBuild delivers quality, value and peace of mind. Enquire with our team of dedicated custom home builders today, or browse through our home designs portfolio.

*For South Australian clients only

 save money on your electricity bill checklist
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.

Mortgage Stress FAQs

What is considered to be mortgage stress?

Mortgage stress is often the cause of borrowers experiencing financial stress and not being able to make their minimum monthly repayments.
With all of these recent interest rate rises, it’s not difficult to imagine that a household income committing to a once affordable mortgage loan is now experiencing high mortgage stress levels.

Borrowers who are struggling financially may be forced to go into financial hardship, which could lead to further financial problems down the road.

How do you know if you’re in mortgage stress?

You’re considered to be under mortgage stress if you are worrying as to whether you’d be able to make the minimum mortgage repayment.
Borrowers may fall behind on payments due to job loss, illness, divorce, or any number of other factors.

Many financial institutions require borrowers to prove that they can afford to repay their loans, however due to changes in circumstances that come from life’s many curveballs, borrowers may find it difficult to consistently meet these requirements for an extended period of time.

How do you relieve mortgage stress?

Fortunately, there are many ways to alleviate mortgage stress.
Financial stress is often caused by not being able to determine how you’re tracking financially. It’s a fear of the unknown.

The best way to know what you can expect is to have a budget that shows where your money is going on a daily, weekly and monthly basis.

What if my expenses are higher than my income?

This is a very common scenario. We may negotiate with your creditors to obtain the lowest monthly payment obligation that fits within your personal or household budget.
We also offer suggestions on how you can tailor your expenses to reflect your income.

Does MyBudget provide financial advice?

MyBudget is a budgeting, debt solutions, and money management service. We provide a range of structure and support services associated with managing your personal expenses. While we do hold an Australian Financial Services Licence (AFSL) and Australian Credit Licence (ACL), we are not financial advisors and offer general financial advice only. For personal financial advice or financial product recommendations, we recommend you seek the services of a licensed financial advisor.

What budgeting services and solutions does MyBudget offer?

We do all the work so you don’t have to worry. Our dedicated team will set up your MyBudget account where all of your bills, savings and payments are managed for you.
We do the heavy lifting that relieves money worries. Using income deposited into your MyBudget account, we pay your bills, set aside savings, and automate your finances so you can achieve your financial goals.

How can I fix my mortgage stress?

When facing times of financial stress, it’s important to be as proactive as possible.
There are many ways to tackle mortgage stress, including creating a budget, refinancing your mortgage, consolidating your personal debt into your home loan, and more.

Our team will work with you to create a plan that is tailored to your unique circumstances.

What makes MyBudget different?

MyBudget is a powerful and worry-free way to manage your money. MyBudget’s budgeting and payment platform maps out the future of your money. Your budget stays on track because your bills, savings and financial goals are automated and managed within one powerful platform. You have all the benefits of visibility, structure, automation and control in the convenience of an app, plus the support of our money experts.

What can I expect at a FREE MyBudget appointment?

Your MyBudget journey begins with an initial conversation with one of our money experts. They will chat to you about your financial position and gain an understanding of the financial goals you want to achieve. Once we have this snapshot, we will connect you with your very own Personal Budgeting Specialist. We can arrange a time convenient to you (and your partner where relevant). At that session we create a complete picture of your 12-month budget plan that is yours to keep for FREE!

This budget plan provides you with a detailed understanding of how, together with the support of MyBudget, you can live a life free from money worries and achieve your financial goals.

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