Finance

Learn what it is, how to calculate it why it matters, what good looks like and how to improve it (and what you can't do!)

You’ve no doubt heard of stamp duty – but how much is it going to cost you? We’ve compiled a comprehensive list of answers to your stamp duty questions.

First home buyer Victoria: your guide to FHOG / first home buyers grant, stamp duty concessions/exemptions, and more.

Lenders use your credit score to assess your mortgage application. Your credit score is based on your credit file and information you provide in your application. It will vary from lender to lender, according to their loan criteria.

If you're seeking a mortgage broker in Parramatta with deep expertise and a proven track record in commercial and residential finance, Scott Wilkinson at UNO Home Loans is here to support you. With 17 years in the finance and banking industry, Scott combines his knowledge and dedication to offer a comprehensive, one-stop solution for all your personal and business finance needs.

Discover how you can access Western Australia’s $10,000 First Home Owner Grant to help buy or build your first home. Learn the eligibility requirements, transaction types, and residence conditions to see if you qualify for this valuable support.

Looking to buy or build your first home in the Northern Territory? Discover how the NT’s HomeGrown Territory Grant can provide up to $50,000 to help make your homeownership dreams a reality.

The South Australia First Home Owner Grant (FHOG) offers financial support for first-time homebuyers who meet specific eligibility criteria, including citizenship and residency requirements. Apply through an Approved Agent or directly with RevenueSA to receive your grant upon settlement or progress payments.

Your HECS/HELP debt may influence your borrowing power for a home loan, but with the right planning, it doesn't have to hold you back. By understanding its impact on your Net Disposable Income (NDI), you can approach your loan application with confidence and a clear strategy.

The NSW First Home Owner Grant (FHOG) provides you with a one-off $10,000 financial boost to help purchase a new or substantially renovated home. To qualify, you must meet specific eligibility criteria, including residency requirements and property value limits, making your dream of homeownership in New South Wales more attainable.

Unlock your dream of homeownership in Queensland with the First Home Owner Grant, offering eligible first-time buyers up to $30,000 towards a new home. Contact a UNO broker today for expert guidance on navigating your application and making your first home a reality!

Kickstart your homeownership journey with the Victoria First Home Owner Grant, providing eligible first-time buyers $10,000 for new homes valued up to $750,000. Make sure you meet the eligibility criteria and reach out to a UNO Broker for expert assistance!

If you’re a first-home buyer in Western Australia, you could benefit from stamp duty concessions that can lower your costs when purchasing new or established homes and vacant land. Meeting the eligibility criteria allows you to save on stamp duty, giving you a larger deposit, a reduced Loan-to-Value Ratio (LVR), and access to more competitive mortgage rates.

If you're a first-home buyer in the Australian Capital Territory, discover how you can take advantage of stamp duty concessions that may reduce or even eliminate your stamp duty obligations. Explore the current rates and eligibility criteria to maximise your savings and make your home-buying experience more affordable.

First-home buyers in Victoria can benefit from stamp duty exemptions for properties up to $600,000 and concessions for homes valued between $600,000 and $750,000. These savings can boost your deposit and help you avoid Lenders Mortgage Insurance (LMI). Learn how to reduce upfront costs and maximise savings when purchasing your first home.

First home buyers in South Australia can access a full exemption from stamp duty for contracts signed after 6 June 2024. This guide details eligibility criteria and qualifying properties, including new homes and off-the-plan apartments. Take advantage of these concessions to increase your deposit, save on lenders mortgage insurance, and enhance your borrowing power. Contact a UNO broker for expert assistance!

Discover how first-home buyers in Tasmania can benefit from a full stamp duty exemption on established homes valued up to $750,000 between 18 February 2024 and 30 June 2026. Learn the eligibility requirements, property exclusions, and how saving on stamp duty can boost your deposit, help you avoid lenders mortgage insurance (LMI), and secure better mortgage rates. Explore how this exemption can make your homeownership journey more affordable.

As a first home buyer in Queensland, you can take advantage of stamp duty concessions that significantly reduce your costs when purchasing a property. If you’re buying a new or existing home valued at up to $800,000 or vacant land up to $500,000, you may qualify for reduced rates, saving you thousands.

First home buyers in NSW can benefit from stamp duty concessions. Homes valued up to $800,000 qualify for a full exemption, while properties between $800,000 and $1,000,000 receive a reduced rate. If buying vacant land, there’s a full exemption for land up to $350,000 and concessions for land valued between $350,000 and $450,000. Learn how these savings can reduce your property costs, and contact a UNO broker for expert guidance.

Get expert guidance from Eren Tan, a UNO mortgage broker, on navigating first home buyer grants and government guarantees to secure your dream home with as little as a 5% deposit.