49 - 5% Deposit Scheme: The Questions First Home Buyers Ask Most

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49 - 5% Deposit Scheme: The Questions First Home Buyers Ask Most

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The First Home 5% Deposit Scheme lets you buy your first home with a 5% deposit and no lenders mortgage insurance (LMI). It’s the topic first home buyers ask Jack and Chris about most. There’s plenty of information out there, but most of it is general, and it leaves you wondering how the scheme actually applies to you.Mortgage brokers Jack Elliott and Chris Bates answer the questions they hear most from first home buyers. They explain how the scheme really works, what you need saved beyond your 5% deposit, and the rules that could change your plan. Then they walk through the three biggest risks of buying with a small deposit, and the simple steps to protect yourself from each one.Whether you’re just starting to save, getting close to applying, or weighing the scheme against other pathways, this episode will help you decide if the 5% Deposit Scheme fits your plan.In this episode:🔑 How the 5% Deposit Scheme works, and why 5% isn’t your total savings target🔑 Whether using the scheme means a higher interest rate🔑 Your options if your partner has owned a property before🔑 How much savings you can keep as a buffer, and why lenders set different limits🔑 The three biggest risks of buying with a 5% deposit, and how to protect yourself Timestamps00:00 - First Home 5% Deposit Scheme Q&A01:55 - How Does the 5% Deposit Scheme Work?03:44 - 5% Deposit Scheme Price Caps Explained04:49 - 5% Scheme Rules: Moving In and Renting Rooms05:41 - Deposit, Stamp Duty and Upfront Costs08:26 - Does the 5% Scheme Mean a Higher Interest Rate?10:37 - 5% Scheme When Your Partner Has Owned Before13:53 - Retained Savings: How Much Can You Keep?17:32 - Risks of Buying With a 5% Deposit19:56 - Price Caps, LMI Waivers and Other Options21:25 - Why Asset Quality Matters for First Home Buyers23:05 - How a Mortgage Broker Helps First Home BuyersReady to start your own first home journey? Book a Get to Know You Chat with Jack, mortgage broker and National First Home Buyer Specialist.Free ResourcesHousing Australia Price Cap Postcode ToolMentioned EpisodesEpisode 1: Unlocking Your Goals and VisionEpisode 6: Unlocking Asset QualityEpisode 39: Unlocking the Real Risk of Buying with a 5% Deposit and How to Protect YourselfEpisode 42: How to Choose a Quality First Home: A Buyers Agent's ChecklistWant to keep the conversation going? 👉 Join the First Home Unlocked Facebook Community📅 Book a chat with Jack for tailored support📱Follow Us on social media: Instagram, TikTok, Youtubefirsthomeunlocked.com.au

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