@michael.rusli: Australian Citizens, PRs and even NZ Citizens can be eligible to purchase a first home with a 5% deposit You could purchase a $700,000 first home with $50,000 down and a rough combined income of $130,000 as a couple or $120,000 as a single before taxes. This is through a government incentive that allows you to purchase both - Established - Build new - No LMI To learn more about this and secure a spot - head to the link on my profile to connect with my mortgage brokers for free. Disclaimer: This post is for informational purposes only and should not be taken as financial advice. Please consult a qualified financial advisor or tax accountant for guidance tailored to your specific circumstances.