RBA Cash Rate: 4.10% · 1AUD = 0.63 USD · Inflation: 2.4%  

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Buy Invest Live
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 5.14% (6.01%*) • Fixed: 5.14% (6.01%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 5.55% (5.96%*)

  Frequency Asked Questions

How Much Deposit is Required For My First Home?

This is a tough question to address without an understanding of your circumstances, For a first home a deposit of anywhere between 5% and 20% will be required, with the lower rate predicated upon Government assistance or grants.

Generally speaking, a deposit of 20% of the value of the property will save you from incurring additional fees such as Lenders Mortgage Insurance.

Some lenders will let you borrow up to 95% of the purchase price and then permit you borrow the cost of the Lenders Mortgage Insurance on top of that.

If you don’t have a deposit, you may borrow up to 100% of the property’s purchase price, in two ways:

  • Family Pledge. The Pledge allows a family member offers their property as security for you to purchase your property.
  • 100% House and Land packages. In some cases you may be able to borrow up to 100% of the price of the brand new home and land.
Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
FHB Cover, Updated April 2025
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Owner Occ. (Selected P&I Rates)
Interest*
5.14%
Comparison*
6.01%
   
5.39%
5.77%
   
5.39%
6.30%
   
5.49%
5.71%
   
Selected Invest Products (P&I)
Interest*
5.55%
Comparison*
5.96%
   
5.59%
6.57%
   
5.64%
6.45%
   
5.68%
5.97%
   
Selected Multiple Lenders (Fixed)
Interest*
5.14%
Comparison*
6.01%
   
5.39%
5.77%
   
5.39%
6.30%
   
5.49%
5.71%
   
Selected Multiple Lenders (Variable)
Interest*
5.43%
Comparison*
6.02%
   
5.68%
5.88%
   
5.74%
5.75%
   
5.74%
5.76%
   
Selected BIg-4 Lenders (Variable)
Interest*
5.90%
Comparison*
6.03%
   
6.04%
6.05%
   
6.14%
6.14%
   
6.19%
6.20%
   
Selected Invest Products (IO)
Interest*
5.59%
Comparison*
6.66%
   
5.64%
6.44%
   
5.69%
6.14%
   
5.79%
7.73%
   
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 5.14% (6.01%*) • Fixed: 5.14% (6.01%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 5.55% (5.96%*)
Level 1, U17, 15-23 Brookhollow Avenue, Bella Vista NSW 2153
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

BuyInvestLive. ABN: 48638048343. Credit Licence: 555044. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. BuyInvestLive head office is located at L1, U17, 15-23 Brookhollow Avenue Bella Vista NSW 2153.

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