Buying guides

Home buying guides for deposits, costs and pre-approval

Before choosing a property range, check borrowing capacity, deposit source, buying costs, documents and the conditions attached to any pre-approval.

First home buyer guide: what to check before you apply

A practical first home buyer guide covering deposit, upfront costs, pre-approval, documents, grants, and when to speak with a broker.

Deposit and costs

Use these guides when the deposit, LVR, LMI, grants, schemes, or settlement costs need a clearer plan.

2 guides

Buying7 min read

Understand deposit size, LVR, genuine savings, LMI, grants, and why the deposit is only one part of buying.

Loan features7 min read

Understand loan-to-value ratio, lender's mortgage insurance, and why deposit size can affect cost and lender options.

Application prep

Pre-approval and document preparation work better when income, debts, deposit, and property assumptions are ready.

2 guides

Buying7 min read

Use this before making offers so documents, conditions, expiry dates, valuation risk and lender checks are understood.

Approval7 min read

A practical checklist of document areas commonly reviewed before a home loan application.

Calculators

Model the numbers here, then ask a broker to check the lender policy, fees and assumptions behind them.

Next step

These guides are general information. emoney can review your goal, lender options and documents before you make a loan decision.