Buy with a plan. This guide gives you one.
The complete guide to buying property in Australia, written for the buyer you actually are: first home, upgrading, investing or downsizing. Work through borrowing power, current schemes, inspections, offers and settlement. Free, delivered by email in about 45 seconds.
- Current schemes with official sources, state by state
- How lenders assess borrowing power and buffers
- Underquoting and auction psychology, decoded
- A printable 12-week buying timeline
10 chapters About 45 seconds Never shared with selling agents
What happens next
- 01Answer four quick questions, about 45 seconds
- 02Download instantly, plus a copy lands in your inbox
- 03We point you at the chapters for your situation
Built for the whole buying journey
10
plain-English chapters from borrowing power and suburb research through to settlement
8
state and territory pathways, with official sources for grants and duty concessions
12 weeks
a practical planning timeline you can adapt to your finance and local market
Prefer to read online? Open the complete buying guide without downloading the PDF.
Ten chapters, four buyers, no filler.
Which buyer are you?
First home, upgrader, investor, downsizer: the playbook for each
What you can afford
Borrowing power, lender buffers, deposits, LMI and upfront costs
Schemes, state by state
Federal programs, FHOG and duty concessions, with official sources
Finding the right suburb
The data that matters, school catchments and growth signals
Inspecting like a professional
Building and pest, strata records and when to walk
Reading the selling process
Price guides, underquoting rules and auction psychology
Making the offer
Negotiation, protective conditions and auction strategy
Finance to unconditional
Pre-approval, valuations and finance conditions
Contracts to keys
Conveyancing, cooling-off and settlement day
Your buying timeline
A printable week-by-week plan from preparation to keys
Selling as well? The selling guide is the other half of the move, also free.
Questions buyers ask us.
Is the buying guide really free?
Yes. The guide is a free PDF and there's no charge for anything on Your Property Guide. Your details are never sold and never passed to selling agents. If you ask us to, we can introduce you to a vetted mortgage broker or buyer's agent, and they pay us for that introduction, never you.
Which first home buyer schemes apply in 2026?
Federal deposit and shared-equity programs may sit alongside the First Home Super Saver scheme, state grants and state-based duty concessions. Eligibility, property caps and availability change, so chapter 3 links to the official source for every program rather than asking you to rely on a static summary.
How much deposit do I actually need?
A 20% deposit will generally avoid lenders mortgage insurance, but lower-deposit loans and government-supported pathways may be available. The right comparison includes LMI, purchase costs, repayments and the conditions attached to any scheme. Chapter 2 shows you how to compare those paths.
What does this guide cover for investors and downsizers?
Every chapter carries persona callouts where the advice diverges: investor lending differences (rates, interest-only, rental income shading), yield versus growth suburb selection, strata due diligence for downsizers, and the bridging decision for upgraders buying before they sell.
Buy it once. Buy it well.
Free PDF, delivered by email. Marketing is optional.
Selling, not buying? There’s a selling guide too