Ensure there are no errors on your report. A clean history is vital for securing the best interest rates. 2. Master the Deposit (You may not need 20%)

You can use voluntary super contributions (up to $50,000) to save for your deposit more tax-effectively than a standard savings account. 3. Budget for the "Hidden" Costs

The Australian Government 5% Deposit Scheme now has unlimited places and has removed income caps, allowing you to buy with just a 5% deposit while the government guarantees the rest.

While 20% is the "gold standard" to avoid , several 2026 schemes let you enter much sooner: