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If you have more than 5% of the purchase price in debts then it’s your mountain of debt that should be tackled first before you start to save a deposit. You can post your situation on our Disqus comments section below and one of our brokers will let you know.
As a rough guide, it’s when you owe less than 5% of the maximum purchase price that you’re going for. Open up a high interest savings account and add to it every time you get paid.
For example, maybe your state government has a first home owners grant and stamp duty exemption for people who buy a new property.
In this case, you can usually buy a little earlier.
When you go to apply for a mortgage, we can show your savings history to the bank and it will really help to get you approved.