Most first home buyers fall into one of three categories. Understanding this early helps match them to the right lender, product, and structure.
The Low-Deposit Buyer
- Typically has 5% or less saved
- Often eligible for the Home Guarantee Scheme
- Needs to avoid LMI to preserve cash flow
Strategy: Combine HGS, FHSSS, and concessional stamp duty options to minimise upfront costs and increase borrowing power.
The Super Saver
- Has 10%+ in genuine savings
- May have used salary sacrifice or FHSSS
- Prioritises structure and timing
Strategy: Maximise grant eligibility, optimise deposit-to-loan ratio, and position for better rate tiers.
The Rentvestor
- Wants to build wealth before buying a home to live in
- Strong income and tax strategy focus
Strategy: Interest-only investment loan, long-term portfolio planning, and leveraging capital growth to buy again.
WHY THIS MATTERS
Different goals require different lending approaches. A well-structured strategy can save thousands and unlock faster growth.
WHAT TO DO NEXT
We help buyers identify their category and guide them through a custom approach that matches their goals and timeline.
* The Content does not constitute and is not intended to be financial or other advice and is not to be relied upon as the basis for any investment or other decision. Investors should seek their own professional advice tailored to their own particular financial circumstances in relation to any investment they may consider making.
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420 St Kilda Road,
Melbourne VIC 3004
Australia
Phone
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info@arlofinance.com.au
manan@arlofinance.com.au
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