Watch This Before You Apply for a Home Loan in Australia in 2026

In this video, I'm going to show you how to get a home loan / mortgage as a first home buyer from start to finish in plain English. We cover every government scheme currently available, how to compare interest rates properly, what LMI actually is and how to avoid it, and exactly what to do before you speak to a lender. ------------------------------------------------------ 📩 Sign up to my free email newsletter! https://aussiemoneyclub.beehiiv.com/subscribe 🏠 The Mortgage Broker I Personally Recommend — Alcove Looking to get a home loan? Alcove compares 30+ lenders, maps out every grant and scheme you are entitled to, and handles the heavy lifting for free. No obligation, no cost to you. 👉 Book your free meeting: https://bit.ly/4rcFsVb 🔗 Use Links: Government Schemes: https://firsthomebuyers.gov.au/ 5% Deposit Scheme: https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme Help to Buy Scheme: https://firsthomebuyers.gov.au/australian-government-help-buy-scheme First Home Owner Grant: https://www.firsthome.gov.au/ First Home Super Saver Scheme: https://firsthomebuyers.gov.au/first-home-super-saver-scheme 📈 Shares & Investing Apps I Use ► Moomoo – Get up to 38 FREE shares + Auto-Invest: https://bit.ly/3PgUN6E ► Tiger Brokers – Get $50 USD in FREE Tesla shares & $170 Cash Vouchers: https://bit.ly/3RqBPLI ₿ Crypto Investing Apps I Use (Australia) ► Independent Reserve – Get $25 FREE Bitcoin (No deposit required): https://bit.ly/4cSicE4 ► Bitcoin.com.au – Get $30 FREE Bitcoin (With any deposit): https://bit.ly/3B0RnQM ► CoinSpot – Get $20 FREE Bitcoin (With any deposit): https://bit.ly/3Ed2XXJ 🏦 Banks & Finance Apps I Use ► ING – Get $125 FREE if you sign up: https://bit.ly/4qakqXh ► Ubank – Get $30 FREE if you sign up with my code & make 5 small purchases: https://bit.ly/4hgoa4c Use Code: MDPYUAG ► Up Bank – Get $10 FREE when you join: https://bit.ly/4gC4oQV 🏠 Mortgage Brokers I Use ► Alcove Mortgage Brokers - Buying a house or refinancing? Book a free meeting to get yourself the best deal: https://bit.ly/4rcFsVb 🎯 Portfolio Tracker Apps I Use ► Sharesight – Get 4 months FREE: https://bit.ly/46ajSHu ► Navexa – Get 20% OFF: https://bit.ly/3RLOI2X or code: bryaninvest 🔍 Investing Research Tools I Use ► Investing.com Premium – Advanced market data & research (Big Discount): https://bit.ly/4qsXL81 ► Seeking Alpha – Deep investing analysis & insights (Big Discount): https://bit.ly/48Txrhp 👨🏻‍💻 Business Tools I Use ► Xero – Best accounting software for Aussie businesses (90% off): https://bit.ly/3YxbL4b ► Hostinger – Build your website fast (huge discount): https://bit.ly/49tlvDi ⚠️ Affiliate Disclosure Some links above may be affiliate links. It doesn't cost you any extra to use them but it does help support my channel. Thank you! ☺️ ------------------------------------------------------ 👇 Connect With Me 👇 📩 My Free Email Newsletter: https://aussiemoneyclub.com.au/subscribe 📸 My Instagram: https://www.instagram.com/bryaninvest 🐦 My Twitter (X): https://x.com/heybryaninvest?s=21&t=oeZlZBWptKzRPn4xgjGv-w ------------------------------------------------------ 🚨 Disclaimer: This video is for educational purposes only and is not financial advice. It does not take into account your personal objectives, financial situation, or needs. Always do your own research and due diligence before making any decisions. ------------------------------------------------------ ⏰ TIMESTAMPS 0:00 - Intro 0:25 - The Reality of Buying Your First Home in 2026 1:32 - The Government Schemes You Need To Know 6:07 - Understanding Your Loan — The Basics 9:49 - Why You Should Use a Mortgage Broker as a First Home Buyer 11:04 - The Pre-Approval Process 11:55 - The Other “Hidden” Costs You Need To Budget For 12:48 - Here Is Exactly What To Do Next