Every scheme in one place
The First Home Guarantee, the First Home Super Saver Scheme, Help to Buy, and state first home owner grants and stamp duty concessions, as at the 2026-27 state budgets.
First home buyer guide
Your First Home: A Clear-Headed Australian Guide
A clear-headed Australian guide for first home buyers, covering every federal and state scheme, borrowing capacity, lenders mortgage insurance, due diligence and the offer and settlement process.
- 2026 edition
- AU Australian context
- Digital guide
- AUD $19 on Gumroad
- General information only
Last reviewed: 19 September 2026. General information only, not financial advice.
What this gives you
Every scheme and step explained before you make an offer.
The guide is written for people buying a home to live in who want the federal and state schemes, the borrowing side and the offer process explained plainly. It is a companion to Your First Investments and The Autistic Investor.
Borrowing explained plainly
How lenders assess borrowing capacity, what lenders mortgage insurance is, when it applies and how it affects the numbers.
Due diligence and the offer process
What to check before making an offer, and how the offer and settlement process works from acceptance to keys.
Inside the guide
Built to be read once, then used as a reference.
It is designed to be read front to back first, then used as a reference when comparing schemes or checking a property before an offer.
Updated September 2026 after the Treasury Laws Amendment (Tax Reform No. 1) Act 2026 passed Parliament on 25 June 2026, so scheme thresholds and the tax context are current as at that date. This guide is about buying a home to live in, not investing.
Schemes and concessions
Federal and state schemes and concessions, as at the 2026-27 state budgets, explained one at a time.
Borrowing capacity and LMI
How borrowing capacity is assessed and how lenders mortgage insurance affects the deposit and the numbers.
Due diligence before an offer
What to check on a property and a contract before making an offer, and the questions worth asking first.
The offer and settlement process
What happens between an accepted offer and settlement, step by step.
Product Q&A
Questions before you buy
Quick answers before you open the Gumroad checkout page.
- Is this financial advice?
- No. Your First Home provides general information and education only. It is not personal financial advice, financial product advice, credit advice, tax advice or legal advice. Scheme eligibility changes, and should be checked with the administering agency.
- Who is it for?
- Australians buying their first home to live in, who want the schemes, the borrowing side and the offer process explained in plain language before they start.
- Which schemes does it cover?
- The First Home Guarantee, the First Home Super Saver Scheme, Help to Buy, and state first home owner grants and stamp duty concessions, as at the 2026-27 state budgets.
- Does it recommend a lender, broker or suburb?
- No. It explains how schemes, borrowing and due diligence work so you can ask better questions of your own lender, broker or conveyancer.
- How do I get the guide?
- Use the Gumroad checkout link on this page. After purchase, Gumroad handles payment and digital file delivery.
Gumroad checkout
Read before the first offer goes in.
Your First Home is built to make the schemes, the borrowing side and the offer process less vague before you start looking seriously.
AUD $19