https://www.lodeposit.com.au/ Independent, verified information on Australian first home buyer grants, stamp duty concessions and low-deposit schemes. en-AU https://www.lodeposit.com.au/blog/genuine-savings.html https://www.lodeposit.com.au/blog/genuine-savings.html 2026-11-04 What counts as genuine savings for a deposit, what doesn't, and the mistake that gets buyers declined. https://www.lodeposit.com.au/blog/partner-already-owns-a-home.html https://www.lodeposit.com.au/blog/partner-already-owns-a-home.html 2026-11-11 Federal schemes test the borrower. Most state grants test both purchasers. https://www.lodeposit.com.au/cheat-sheet.html https://www.lodeposit.com.au/cheat-sheet.html 2026-10-14 Which schemes you can legally combine and what each is worth. https://www.lodeposit.com.au/gap-index.html https://www.lodeposit.com.au/gap-index.html 2026-10-14 Renting vs owning at a 5% deposit across 29 suburbs, with the full dataset.