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The Complete 2026 First Home Buyer Guide · Free PDF, English + 中文

A 15-page bilingual guide covering the six stages where first home buyers most often lose money — written by Steven Shangguan, a Melbourne-based mortgage broker who sees these avoidable mistakes every week.

What's inside

1Know your true borrowing powerWhy generic calculators mislead — and what lenders actually assess. 别急着看房，先摸清"钱袋子"底牌。
2Government grants & schemesFirst Home Guarantee, stamp-duty concessions, FHOG — don't leave tens of thousands on the table. 政府补贴全攻略。
3The 5 non-negotiables before house huntingThe checklist to complete before your first open home. 找房前必做清单。
4Auction vs. private treatyHow each works and how not to overpay. 拍卖 vs 私洽。
5The settlement timelineEvery step from signing to keys — and what not to do in between. 交割全流程。
6Top 5 costly mistakesThe most expensive errors first home buyers make, and how to avoid them. 最常犯的 5 个昂贵错误。

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Important information

This guide provides general information only and does not take into account your objectives, financial situation or needs. It is not financial, legal or tax advice. Government scheme eligibility, amounts and timing are set by federal and state authorities and can change at any time — always confirm current settings with the relevant authority before acting. Consider whether this information is appropriate for you and seek independent advice before making decisions.

Credit assistance is provided by Steven Shangguan (Credit Representative Number 560624), an authorised credit representative of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704).