Deltos Finance Blog

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redraw vs offset

Redraw vs Offset: Which Should You Choose for Your Home Loan?

When taking out a home loan, you might focus too much on comparing rates and terms. We’re here to remind you to explore different home loan features before signing the dotted line. Two popular options that can help you save on interest and pay off your mortgage faster are redraw facilities & offset accounts. But […]

first home guarantee eligibility

Let’s Talk About the Expanded First Home Guarantee Eligibility

Have you heard of the First Home Guarantee scheme? Did you know its eligibility has expanded to include more aspiring homeowners who previously faced barriers to entry into the property market? Today, let’s talk about the expanded First Home Guarantee eligibility to help you know whether you can maximise this scheme.  A Refresher: What Is […]

first home guarantee scheme

The First-Home Buyers 5% Home Loan Deposit Scheme Explained

As a first-time home buyer in Australia, one of the biggest hurdles you’ll face is coming up with a substantial deposit. Traditionally, lenders have required a deposit of at least 20% of the property’s value, but what if you could secure your dream home with just a 5% deposit? That is possible through the First […]

costs of buying a house

What Are the Upfront Costs of Buying a Home?

Are you searching for a one-bedroom apartment close to the city or planning to a big house with a garden in one of the best Tasmanian suburbs? Either way, it pays to know the upfront costs of buying a house apart from the home loan deposit. These costs may include government taxes and other associated […]

buying your first home

The Ultimate First-Home Buyer Checklist

Although owning your first property is incredibly exciting, it can also be complicated, time-consuming and a bit stressful. So, today, we’ll make your home-buying experience less confusing, smoother and more convenient. Here’s our ultimate first-home buyer checklist to help you know what to do and expect at every step. 1. Budget for Deposit & Other […]

local mortgage broker benefits

The Advantages of Engaging a Local Mortgage Broker

When you’re in the market for a new home, you’re bound to face several challenges—from overlooking loan comparisons to underestimating additional upfront costs and avoiding other common home loan mistakes. You might also be tempted to go directly to a bank, but there’s a compelling case for choosing a local mortgage broker instead. Today, we’ll […]

first home super saver scheme

Can First-Home Buyers Use Their Super for a Deposit?

You already know what you want for your first home. You even have nailed down the specifics—from the location or suburb to the number of rooms you want. The only problem left is the deposit. Like most Australians, you probably have a difficult time saving enough for the optimal home loan deposit amount.  In Tasmania, […]

regional first home buyer guarantee

A Quick Guide to Regional First Home Buyer Guarantee

It’s no secret that buying your first home comes with certain challenges, especially when you need to pay for a substantial deposit. However, if you’re looking to buy in regional Australia, the Regional First Home Buyer Guarantee (RFHBG) could be the helping hand you need. Today, we’ll provide a quick guide to help you understand […]

stamp duty concessions tasmania

Buying a House in Hobart? Here’s What You Need to Know About Stamp Duty Concessions in Tasmania

When you purchase a house or investment property in Hobart, Tasmania, you will likely pay a stamp duty—just like in all other states of Australia. Stamp duty can be a hefty upfront cost, so you may wonder whether concessions or exemptions are available. Today, we’ll help discuss how stamp duty works, how it is calculated […]

A young couple buying their first home.

Can You Use the First Home Owner Grant as a Deposit?

Dreaming of owning your first home in Australia? While you can use all your savings to pay for your home deposit, you must know that there are government grants that can help lower the initial cost of your first home purchase. Today, we’ll zero in on one of those grants: the First Home Owner Grant […]