If you’re like most first home buyers, you’ve probably realised by now that saving up for a 20% deposit can be a real slog. But what if we told you that you now only need a 5% deposit? And better yet, you could already have that amount ready to go now.
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Jump into the market up to 4 years sooner with 5% deposit scheme
By pcpl.net.au
/ September 10, 2025
5 steps to help you find a competitive edge this home-buying season
By pcpl.net.au
/ September 3, 2025
Spring is traditionally the peak season for property, and three rate cuts this year could further fuel buyer competition. Check out five steps that can give you a valuable head start this spring.
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5% deposit scheme expands early – will it increase house prices?
By Portfolio Capital
/ August 28, 2025
The popular Home Guarantee Scheme that lets first home buyers get into the market with just a 5% deposit has...
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Surge in switching: 1,000 home loans refinanced every day
By pcpl.net.au
/ August 20, 2025
Three rate cuts since February have spurred home owners to take a closer look at their home loan. Turns out plenty have found a loan better suited to their needs elsewhere, with 100,000 home loans refinanced in the past quarter.
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Third rate cut delivered this year as RBA trims cash rate to 3.60%
By pcpl.net.au
/ August 12, 2025
Borrowers around the country have been delivered a sunnier financial outlook this month after the Reserve Bank of Australia (RBA) today trimmed the cash rate by another 25 basis points to 3.60%. How much could your monthly mortgage repayments decrease?
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Skipping pre-approval sees 1-in-10 first home buyers miss out
By pcpl.net.au
/ August 6, 2025
Buying a first home isn’t always easy, and first-timers sometimes miss out on a place they’ve set their heart on. But more than one-in-ten first-time buyers have missed out simply because they didn’t have home loan pre-approval.
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How your home can help your kids get a great education
By pcpl.net.au
/ July 30, 2025
Location, location, location. Or should we say: education, education, education. New research shows homes in the catchment areas of sought-after public schools can command six-figure price premiums. Here's why.
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Newly built homes notch up strongest sales in 3 years
By pcpl.net.au
/ July 22, 2025
There’s a lot to love about buying a brand new home, and sales of recently constructed homes have increased 19% over the last quarter. We look at the pros and cons of buying a new home - and the financial incentives available to new home buyers.
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Has your borrowing power increased in 2025?
By pcpl.net.au
/ July 16, 2025
If you haven’t checked your borrowing power recently, it might be worth another look. A lot has happened in 2025, and your borrowing capacity could be higher than you realise.
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Two-thirds of borrowers could save by refinancing: report
By pcpl.net.au
/ July 9, 2025
Home owners hoping for rate relief in July may be disappointed, but it’s still possible to score a rate cut of your own by refinancing. Despite this, plenty of borrowers are sticking to an old loan – and it could be costing them.
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Small deposit? 50,000 Home Guarantee Scheme spots just opened up
By pcpl.net.au
/ July 2, 2025
Growing a 20% deposit isn’t just challenging. It can be a (very) long slog. Fortunately, 50,000 new places in the popular 5% deposit Home Guarantee Scheme just opened up on July 1. Here’s how to secure your spot.
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How to make an offer on a home
By Portfolio Capital
/ June 26, 2025
Finding the property that’s right for you and your budget is an exciting milestone! But what happens next? We explain...
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Welcome back! Home lending jumps as first home buyers return
By pcpl.net.au
/ June 18, 2025
Here’s some warming news for winter – first home buyers are making a welcome return to the property market. Several factors suggest the stars may have aligned to make now a good time to take that first step on the property ladder.
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Australian home price average tops $1 million
By Portfolio Capital
/ June 12, 2025
Property values nationally have passed a major milestone with the average home price pushing through the $1 million mark for...
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How you could boost your home’s value by $118,000 (and save on bills)
By pcpl.net.au
/ June 4, 2025
With winter temps falling, chances are your power bills will rise. This helps explain why buyers are willing to pay 14% extra for energy-efficient homes on average. Here’s how to give your place a ‘green premium’.
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Plot twist: home owners keep repayments on hold as rates fall
By pcpl.net.au
/ May 28, 2025
Despite two much-awaited rate cuts this year, plenty of Australian households are keeping their mortgage repayments on hold – and it could see them save in long-term interest costs.
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RBA cuts the cash rate for the second time this year to 3.85%
By Portfolio Capital
/ May 20, 2025
Australian borrowers have received another reprieve with the Reserve Bank of Australia (RBA) today cutting the cash rate by 25...
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Fact or fiction: do property values double every 10 years?
By pcpl.net.au
/ May 14, 2025
It’s a common belief that real estate values double every decade. But is this true? New research reveals how much home values have increased over the past ten years.
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Albo re-elected: what’s on the board for home buyers and owners?
By pcpl.net.au
/ May 7, 2025
The votes have been cast and it’s clear Labor will hold the reins of federal government for another 3-year term. We look at what this may mean for first home buyers and current home owners.
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Myth buster: do weekly repayments pay off an offset loan faster?
By Portfolio Capital
/ May 1, 2025
There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the...
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