First Home Buyer Australia: The True Cost & Hidden Fees 2025 скачать в хорошем качестве

First Home Buyer Australia: The True Cost & Hidden Fees 2025

🎯 Book your free 15-Minute Call: https://calendly.com/david-pelligra-a... Connect with David → https://davidpelligra.com.au →   / davidpelligra   🙋‍♂️ About Me Hey, I’m David, a mortgage broker based in Melbourne, helping first home buyers and young professionals across Australia make confident property decisions. Whether you're wondering about deposit size, hidden costs, or stamp duty concessions — I’m here to breakdown all the jargon and give you clear, actionable steps. In today’s video we’re diving into the true cost of buying your first home in Australia. We walk you through a real-life client scenario (income, savings, debts) and then show how a few smart tweaks can change what you can borrow and the purchase price you should aim for. You’ll get a clear picture of deposit size, stamp duty, lender costs, buffer requirements — and how all these bits affect your buying power. 🔍 What You’ll Learn -How to calculate your true borrowing power (income, debts, buffer). -The full cost breakdown: deposit, stamp duty, inspections, solicitors. -How stamp duty concessions vary state by state. -Active strategies: cancelling cards, managing HECS, choosing offset accounts. -What “buffer” you should keep so you’re not caught off-guard at settlement. -Real example: what our client could afford vs after optimisation. ⚠️ This video is for educational purposes only and does not constitute financial advice. Always consult a licensed mortgage broker or financial adviser before making decisions. NSW – First Home Buyer Assistance Scheme: https://www.revenue.nsw.gov.au/grants... Vic – First Home Owner & Stamp Duty concessions: https://www.sro.vic.gov.au/first-home... QLD – First Home Grant & duty concessions: https://www.qld.gov.au/housing/buying... SA – Relief: properties new & vacant land, no cap for first home buyers from 6 June 2024: https://www.revenuesa.sa.gov.au/stamp... WA – Exemptions/concessions: up to ~$450k full exemption, sliding for up to ~$600k: https://www.wa.gov.au/service/financi... TAS – 100% discount on transfer duty for established homes ≤ $750k (Feb 2024–June 2026): https://www.sro.tas.gov.au/property-t... ACT – Home Buyer Concession Scheme: https://www.revenue.act.gov.au/home-b... NT – Assistance page: https://nt.gov.au/property/home-owner... #FirstHomeBuyerAustralia #BuyYourFirstHome #AustralianPropertyMarket #StampDutyAustralia #HomeLoanTips #BorrowingPowerAustralia #FirstHomeBuyerCosts #MortgageBrokerAustralia #HiddenHomeBuyingCosts #FirstHomeConcessions