⚠ LMI applies below 20% — included in upfront costs. At 5% deposit LMI is significant.
First home buyer deposit5%
Fixed at 5%
FHOB scheme. LMI applies and is included.
Investor route—
First home buyer route—
Investor — binding constraint
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First home buyer — binding constraint
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What this means
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Investor — upfront breakdown
First home buyer — upfront breakdown
Investor purchase price
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First home buyer purchase price
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Loan details
Entity & tax
For negative gearing refund
Rental income (investor)
What you add to savings each month
Property expenses (annual)
Based on 60% land value
New builds only
FHOB — renting elsewhere (year 1)
While living elsewhere in year 1
FHOB is always P&I from day 1. No rental income or tax deductions in year 1.
Investor — net cashflow yr 1
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FHOB — net cashflow yr 1
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Your annual savings
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Investor — year 1 cashflow
FHOB — year 1 cashflow
Key insight
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Year 1 only. Land tax at 60% land value — verify with your accountant. FHOB: owner-occupied yr 1, no deductions. From yr 2 property is rented and cashflow improves. Guide only — not financial advice.
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