{"id":2489,"date":"2024-05-05T10:35:32","date_gmt":"2024-05-05T00:35:32","guid":{"rendered":"https:\/\/chipkie.com\/?p=2489"},"modified":"2024-05-05T10:37:10","modified_gmt":"2024-05-05T00:37:10","slug":"first-home-buyer-checklist","status":"publish","type":"post","link":"https:\/\/chipkie.com\/au\/blog\/2024\/05\/05\/first-home-buyer-checklist\/","title":{"rendered":"First Home Buyer Checklist [2024]"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Introduction<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tired of rent disappearing into the void? Ready for a place to truly call your own? Buying your first home is a major milestone, both exciting and a little daunting. But with the right preparation, it&#8217;s incredibly rewarding. Our First Home Buyer Checklist is your roadmap to a smooth and financially savvy home-buying journey. Let&#8217;s dive into the essential steps!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How to Create a First Home Buyer Checklist for 2024<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When creating your checklist, start with in-depth market research on your desired location for affordability and availability of homes.<\/li>\n\n\n\n<li>Thoroughly assess your financial situation \u2013 savings, down payment, getting pre-approved for a mortgage, and calculating additional costs (closing fees, moving, etc.)<\/li>\n\n\n\n<li>Make a detailed list of must-have features for your home (bedrooms, location, amenities) to streamline your search.<\/li>\n\n\n\n<li>Get expert advice (real estate agents, financial advisors, home inspectors) for informed decisions throughout the process.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Important factors to consider when creating a first home buyer checklist<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial readiness:<\/strong> Check your credit score, save, research mortgages thoroughly, and consider ALL expenses (taxes, insurance, maintenance).<\/li>\n\n\n\n<li><strong>Open Houses and Viewings:<\/strong> Get a feel for neighbourhoods and property types.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Customizing your first home buyer checklist to fit your needs<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Check:<\/strong> This impacts your interest rates \u2013 make improvements if needed!<\/li>\n\n\n\n<li><strong>Saving + Costs:<\/strong> A down payment is crucial, but don&#8217;t forget stamp duty, legal fees, etc.<\/li>\n\n\n\n<li><strong>Government Help:<\/strong> Research grants and incentives specifically for first-time buyers.<\/li>\n\n\n\n<li><strong>Pre-approval:<\/strong> Understands your borrowing power and shows sellers you&#8217;re serious.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Utilizing technology to streamline your first home buyer checklist<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Budgeting Apps:<\/strong> Track income and expenses to see what you can afford.<\/li>\n\n\n\n<li><strong>Mortgage Calculators:<\/strong> Estimate payments and play with different scenarios.<\/li>\n\n\n\n<li><strong>Online Searches:<\/strong> Target properties based on your must-have list.<\/li>\n\n\n\n<li><strong>Virtual Tours:<\/strong> Can help narrow down your choices before in-person visits.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Top Tips for Completing Your First Home Buyer Checklist in 2024<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Start with your credit score:<\/strong> Aim for the best possible rates and loan options.<\/li>\n\n\n\n<li><strong>Research loan programs:<\/strong> Find the one that matches your goals and financial situation.<\/li>\n\n\n\n<li><strong>Prioritize non-negotiables:<\/strong> Know what features your first home MUST have.<\/li>\n\n\n\n<li><strong>Factor in ALL costs:<\/strong> Closing costs, inspections, and potential repairs need budgeting too.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Preparing for Inspections and Appraisals in the First Home Buyer Checklist<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check your credit (again):<\/strong> It may be checked more than once during the process.<\/li>\n\n\n\n<li><strong>Explore government programs:<\/strong> First-time buyer help can ease the financial burden.<\/li>\n\n\n\n<li><strong>Budget beyond the down payment:<\/strong> Remember those often-overlooked extra costs.<\/li>\n\n\n\n<li><strong>Pre-approval shows strength:<\/strong> It demonstrates to sellers that you&#8217;re a qualified buyer.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Navigating the Legal Aspects of the First Home Buyer Checklist<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check (yes, again!):<\/strong> It&#8217;s essential to maintain good financial standing.<\/li>\n\n\n\n<li><strong>Calculate your affordability:<\/strong> Determine down payment, mortgage payments, etc., within your budget.<\/li>\n\n\n\n<li><strong>Thoroughly research mortgages:<\/strong> Find the perfect fit for your long-term goals.<\/li>\n\n\n\n<li><strong>Don&#8217;t forget ADDITIONAL costs:<\/strong> Taxes, insurance, and maintenance add up!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tips for Researching and Selecting Potential Properties<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit is crucial<\/strong> It impacts what you&#8217;ll qualify for.<\/li>\n\n\n\n<li><strong>Determine your TOTAL budget:<\/strong> This factors in mortgage payments, taxes, insurance, etc.<\/li>\n\n\n\n<li><strong>Compare mortgage lenders:<\/strong> Get the best rates for your situation.<\/li>\n\n\n\n<li><strong>Consider extra costs:<\/strong> Home inspections, appraisals, moving expenses \u2013 budget for them all!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Organizing Your Finances for the First Home Buyer Checklist<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check:<\/strong> You know the drill &#8211; maintain the best score possible!<\/li>\n\n\n\n<li><strong>Explore grant options:<\/strong> These can significantly lessen the financial burden.<\/li>\n\n\n\n<li><strong>Budget meticulously:<\/strong> Down payment, mortgage, closing fees, ongoing maintenance&#8230;plan for it all.<\/li>\n\n\n\n<li><strong>Consider the bigger picture:<\/strong> Where does your new home fit in your overall lifestyle and goals?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Understanding the First Home Buyer Checklist Requirements<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check your credit (again!):<\/strong> Strong scores improve your mortgage options.<\/li>\n\n\n\n<li><strong>Calculate your affordability:<\/strong> Know your down payment potential and comfortable monthly payment range.<\/li>\n\n\n\n<li><strong>Become a mortgage expert:<\/strong> Research different types and find the best fit for YOU.<\/li>\n\n\n\n<li><strong>Budget beyond the basics:<\/strong> Property taxes, insurance, and maintenance add up quickly!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Ultimate First Home Buyer Checklist for 2024<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pre-approval + Budget:<\/strong> Start strong with financial clarity.<\/li>\n\n\n\n<li><strong>Location Research:<\/strong> Find your ideal neighborhood and what&#8217;s realistically available.<\/li>\n\n\n\n<li><strong>Government Help:<\/strong> Research grants\/incentives \u2013 every dollar counts!<\/li>\n\n\n\n<li><strong>Get advice:<\/strong> Real estate agents, conveyancers, and inspectors = your expert team.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Essential Documents for First Home Buyers<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Know your finances:<\/strong> Research mortgage options and get pre-approval if possible.<\/li>\n\n\n\n<li><strong>Location matters:<\/strong> Consider the neighbourhood vibe and your lifestyle needs.<\/li>\n\n\n\n<li><strong>Inspection is protection:<\/strong> A professional inspection uncovers potential issues.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Budgeting Tips for First Home Buyers<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Start with your credit score:<\/strong> Improvements can mean better loan terms.<\/li>\n\n\n\n<li><strong>Save diligently:<\/strong> Your down payment is crucial, and bigger is better!<\/li>\n\n\n\n<li><strong>Get mortgage savvy:<\/strong> Compare rates and programs to find the optimal fit.<\/li>\n\n\n\n<li><strong>The true cost:<\/strong> Factor in home inspections, closing fees, and homeowners insurance.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Property Inspection Must-Dos for First Home Buyers<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check time:<\/strong> Aim to maintain or improve your score during the process.<\/li>\n\n\n\n<li><strong>What can you afford?<\/strong> Know your budget inside and out.<\/li>\n\n\n\n<li><strong>Research, research!<\/strong> Understanding mortgages empowers you.<\/li>\n\n\n\n<li><strong>Don&#8217;t forget the extras:<\/strong> Taxes, insurance, and maintenance impact your long-term affordability.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Understanding Mortgage Options for First Home Buyers<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit is king:<\/strong> It heavily impacts your rates and loan possibilities.<\/li>\n\n\n\n<li><strong>Thorough research:<\/strong> Different mortgages suit different situations \u2013 find your match!<\/li>\n\n\n\n<li><strong>Calculate EVERYTHING:<\/strong> Factor in taxes, insurance, etc., for your true cost of homeownership.<\/li>\n\n\n\n<li><strong>Seek professional help:<\/strong> Get an inspection, it could save you thousands!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Navigating the Closing Process for First Home Buyers<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check reminder:<\/strong> Maintain good standing all the way to closing.<\/li>\n\n\n\n<li><strong>Affordability is KEY:<\/strong> Know your down payment and realistic monthly payments.<\/li>\n\n\n\n<li><strong>Mortgage mastery:<\/strong> Choose the right type for your situation and goals.<\/li>\n\n\n\n<li><strong>Budget for the end:<\/strong> Closing costs, taxes, insurance \u2013 have those funds in place!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Hone in on a location<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit counts<\/strong> Good scores = better mortgage options.<\/li>\n\n\n\n<li><strong>Calculate carefully:<\/strong> Know your down payment, mortgage payments, and additional costs.<\/li>\n\n\n\n<li><strong>Compare and contrast:<\/strong> Research different mortgage options for the best fit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. House or apartment?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check time:<\/strong> Good scores = better mortgage options.<\/li>\n\n\n\n<li><strong>Think government help:<\/strong> Research grants or incentives for first-time buyers.<\/li>\n\n\n\n<li><strong>Budget beyond the price tag:<\/strong> Factor in taxes, maintenance, and insurance.<\/li>\n\n\n\n<li><strong>Pre-approval power:<\/strong> It shows sellers you&#8217;re serious AND establishes your budget.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Check whether the property has all the features you need<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit matters:<\/strong> It directly affects your loan terms and rates.<\/li>\n\n\n\n<li><strong>Seek first-time buyer programs:<\/strong> These can reduce financial burdens.<\/li>\n\n\n\n<li><strong>Pre-approval gives you an edge:<\/strong> Show sellers you have the means to buy.<\/li>\n\n\n\n<li><strong>Total cost budgeting:<\/strong> Include taxes, insurance, maintenance, etc.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. To build or to buy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit score checkup:<\/strong> Lenders will be looking, so be prepared!<\/li>\n\n\n\n<li><strong>Calculate the big picture:<\/strong> Know the TRUE cost of homeownership (taxes, insurance, etc.).<\/li>\n\n\n\n<li><strong>Seek government assistance:<\/strong> First-time buyer programs can be a lifesaver.<\/li>\n\n\n\n<li><strong>Pre-approval = power:<\/strong> Shows you&#8217;re financially ready and serious about buying.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Get your finances in order<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check that credit score:<\/strong> Make it as good as possible for favourable mortgage terms.<\/li>\n\n\n\n<li><strong>Research grants and assistance:<\/strong> Take advantage of any help available.<\/li>\n\n\n\n<li><strong>Calculate your true budget:<\/strong> Include down payment, closing costs, and monthly payments.<\/li>\n\n\n\n<li><strong>Pre-approval = smart move:<\/strong> It establishes your financial capacity and shows sellers you&#8217;re ready to buy.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>6. Think about your investment return<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Budget foundation:<\/strong> Know what you can truly afford to spend.<\/li>\n\n\n\n<li><strong>Mortgage matters:<\/strong> Research carefully for the best rates and terms.<\/li>\n\n\n\n<li><strong>The long view:<\/strong> Factor in taxes, insurance, and maintenance to see the full cost.<\/li>\n\n\n\n<li><strong>Pre-approval = confidence:<\/strong> It gives you a clear starting point to shop within your price range.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>7. Get home loan pre-approval<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check your credit (yes, again!)<\/strong> Higher scores mean better options and rates.<\/li>\n\n\n\n<li><strong>Budget clarity:<\/strong> Pre-approval defines your spending limits.<\/li>\n\n\n\n<li><strong>Research and compare:<\/strong> Find the mortgage that aligns with your financial goals.<\/li>\n\n\n\n<li><strong>Seller advantage:<\/strong> Shows you&#8217;re a serious buyer, strengthening your negotiating position.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>8. Get a building and pest inspection<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check:<\/strong> It plays a role, even this far along.<\/li>\n\n\n\n<li><strong>Seek government assistance:<\/strong> Some areas have programs to help with purchase costs.<\/li>\n\n\n\n<li><strong>Meticulous budgeting:<\/strong> Ensures you&#8217;re financially prepared for the entire process.<\/li>\n\n\n\n<li><strong>Checklist of must-haves:<\/strong> Prioritize features that are essential for your ideal home.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>9. Figure out if you\u2019ll need to shell out for repairs or renovations<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit scores still count:<\/strong> Maintain good standing for the best loan options.<\/li>\n\n\n\n<li><strong>Calculate with care:<\/strong> Factor in down payment, closing costs, moving expenses, AND any immediate repairs\/renovations.<\/li>\n\n\n\n<li><strong>Compare mortgage lenders:<\/strong> Get the best interest rates and terms for your situation.<\/li>\n\n\n\n<li><strong>Budget for the unexpected:<\/strong> Ensure you have reserves for potential surprises after purchase.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>10. See if there\u2019s room for price negotiation<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check (you&#8217;re a pro at this now!):<\/strong> It remains an important factor with lenders.<\/li>\n\n\n\n<li><strong>Know your budget limits:<\/strong> Stick to what you can afford, down payment AND monthly payments.<\/li>\n\n\n\n<li><strong>Mortgage matters:<\/strong> Secure the best possible type and terms for your circumstances.<\/li>\n\n\n\n<li><strong>The TOTAL cost:<\/strong> Be prepared for inspection fees, appraisals, homeowners insurance, etc.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>11. Perform a title search<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check routine:<\/strong> Make sure your score is in the best possible shape.<\/li>\n\n\n\n<li><strong>Calculate your budget:<\/strong> Ensure you can comfortably manage the down payment, closing costs, etc.<\/li>\n\n\n\n<li><strong>Mortgage mastery:<\/strong> Choose a loan type and lender that best suits your needs.<\/li>\n\n\n\n<li><strong>Prioritize necessities:<\/strong> Keep your list of &#8220;must-have&#8221; features in mind during the search.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>12. Get a conveyancer on board<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit check &#8211; the final time?<\/strong> It may be checked one last time before closing.<\/li>\n\n\n\n<li><strong>Savings matter:<\/strong> Ensure you have sufficient funds for the down payment and closing costs.<\/li>\n\n\n\n<li><strong>Explore grant programs:<\/strong> These could lessen your financial burden and boost your down payment.<\/li>\n\n\n\n<li><strong>Pre-approval proves seriousness:<\/strong> It signals your financial readiness to sellers and conveyancers.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>13. Sort out home and contents insurance<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check your credit score (again):<\/strong> It can impact your insurance premiums.<\/li>\n\n\n\n<li><strong>Calculate total monthly costs:<\/strong> Include mortgage payments, utilities, AND insurance in your budget.<\/li>\n\n\n\n<li><strong>Seek first-time buyer programs:<\/strong> There may be help available to reduce your costs.<\/li>\n\n\n\n<li><strong>Get an expert:<\/strong> A real estate agent can guide you, especially with your first home purchase.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What could your home loan repayments look like?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit score matters:<\/strong> Aim for the highest score possible for the best interest rates.<\/li>\n\n\n\n<li><strong>Your full budget:<\/strong> Factor in down payment, closing costs, and monthly mortgage payments.<\/li>\n\n\n\n<li><strong>Seek government help:<\/strong> Research grants\/incentives specifically designed for first-time buyers.<\/li>\n\n\n\n<li><strong>Factor in EVERYTHING:<\/strong> Stamp duty, legal fees, home insurance&#8230; it all adds up!<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Frequently Asked Questions<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What are the key steps in the process of buying my first home?<\/strong>\n<ul class=\"wp-block-list\">\n<li>Establishing your budget (down payment, closing costs, monthly mortgage)<\/li>\n\n\n\n<li>Researching loan options &amp; government programs<\/li>\n\n\n\n<li>Creating a checklist of your desired home features<\/li>\n\n\n\n<li>Working with a reputable real estate agent<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>What factors should I consider when choosing a location for my first home?<\/strong>\n<ul class=\"wp-block-list\">\n<li>Proximity to amenities (schools, shops, transport, healthcare)<\/li>\n\n\n\n<li>Neighbourhood safety, atmosphere, and potential development<\/li>\n\n\n\n<li>Commute to work and accessibility to transport<\/li>\n\n\n\n<li>Property market trends and potential for future value growth<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>How can I determine how much I can afford to spend on my first home?<\/strong>\n<ul class=\"wp-block-list\">\n<li>Calculate monthly income vs. expenses for disposable income<\/li>\n\n\n\n<li>Consider additional costs: property taxes, insurance, maintenance<\/li>\n\n\n\n<li>Getting pre-approved for a mortgage gives you a realistic limit<\/li>\n\n\n\n<li>Lifestyle &amp; long-term financial goals should also factor in<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>What kind of assistance or incentives are available for first-time home buyers?<\/strong>\n<ul class=\"wp-block-list\">\n<li>Government programs (down payment assistance, low-interest loans, grants)<\/li>\n\n\n\n<li>Tax incentives or credits specific to first-time homeownership<\/li>\n\n\n\n<li>Financial institution programs with specialized mortgages and reduced fees<\/li>\n\n\n\n<li>Non-profit organizations providing guidance and resources<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>What are some common mistakes to avoid as a first-time home buyer?<\/strong>\n<ul class=\"wp-block-list\">\n<li>Forgetting about additional costs beyond the house price<\/li>\n\n\n\n<li>Neglecting credit score and debt-to-income ratio maintenance<\/li>\n\n\n\n<li>Rushing the neighborhood research<\/li>\n\n\n\n<li>Not getting pre-approved before falling in love with a home<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conclusion<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By following this checklist and taking advantage of the resources available, you&#8217;ll be well-positioned for a successful first home purchase. Ready to take the next step? Download our FREE printable &#8216;First Home Buyer Checklist&#8217; for a handy, all-in-one reference to guide your journey. Let&#8217;s turn your homeownership dreams into reality!<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"542\" src=\"https:\/\/chipkie.com\/au\/wp-content\/uploads\/sites\/10\/2024\/01\/home1.2.png\" alt=\"Chipkie Dashboard\" class=\"wp-image-2002\" srcset=\"https:\/\/chipkie.com\/au\/wp-content\/uploads\/sites\/10\/2024\/01\/home1.2.png 900w, https:\/\/chipkie.com\/au\/wp-content\/uploads\/sites\/10\/2024\/01\/home1.2-300x181.png 300w, https:\/\/chipkie.com\/au\/wp-content\/uploads\/sites\/10\/2024\/01\/home1.2-768x463.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Tired of rent disappearing into the void? Ready for a place to truly call your own? Buying your first home is a major milestone, both exciting and a little daunting. But with the right preparation, it&#8217;s incredibly rewarding. Our First Home Buyer Checklist is your roadmap to a smooth and financially savvy home-buying journey. &#8230; <a title=\"First Home Buyer Checklist [2024]\" class=\"read-more\" href=\"https:\/\/chipkie.com\/au\/blog\/2024\/05\/05\/first-home-buyer-checklist\/\" aria-label=\"Read more about First Home Buyer Checklist [2024]\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":2490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[47],"tags":[106,105,102,107],"class_list":["post-2489","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-guides","tag-first-time-buyer","tag-home-buyer","tag-home-loan","tag-property"],"_links":{"self":[{"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/posts\/2489","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/comments?post=2489"}],"version-history":[{"count":2,"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/posts\/2489\/revisions"}],"predecessor-version":[{"id":2493,"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/posts\/2489\/revisions\/2493"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/media\/2490"}],"wp:attachment":[{"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/media?parent=2489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/categories?post=2489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chipkie.com\/au\/wp-json\/wp\/v2\/tags?post=2489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}