5% First Home Buyer Deposit Scheme 2025

From 1 October 2025, first home buyers will be able to purchase a property with as little as a 5% deposit, without paying Lenders Mortgage Insurance (LMI). The government’s expansion of the Home Guarantee Scheme removes income caps, lifts property price limits, and makes places unlimited. We look at the pros and cons of the scheme, and what it could mean for your financial future.

The Rule of 72 When Investing

The Rule of 72 is a quick and simple formula to find out how long it takes to double your money. This centuries-old mental shortcut can help you compare returns, factor in inflation, and make smarter decisions with your money.

Emergency Funds. How Much Should You Really Have Saved?

What is a realistic savings goal for an emergency fund, and what does the average Australian have saved in 2025?

Should You Salary Sacrifice Your Super?

Unpack the pros, cons, and updated 2025 contribution limits, so you can decide if this tax-effective strategy fits your financial goals.

NSW Land Tax Changes 2025

From 1 February 2024, you must own at least 25% of your home to qualify for the Principal Place of Residence exemption. If you fall below this, you could face surprise land tax bills in 2026, even if you live in the property.

2025 Tax Time Tips

How to Get It Right and Maximise Your Refund