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Finding the cheapest home loan interest rates in Australia can save you thousands over the life of your mortgage. This guide from Empower Money breaks down what lenders look for, how to improve your credit score, and the best strategies to secure the lowest rates.

Purchasing a first home is a major milestone, but it often comes with financial and logistical challenges. Many first-time buyers struggle with understanding lending criteria, securing a deposit, and navigating complex loan options.

Whether you’re a first-home buyer, a self-employed worker, an expat investing in Australia, or someone with a lower credit score, choosing the right lender can make a big difference in your loan approval and overall experience.‍

A first home buyer loan is designed for Australians purchasing their first property, often with incentives to make homeownership more accessible.