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How to Property
How to Property is in Early Release. Full release 14 May 2026. Provide feedback and contact for partnerships.Contact Us

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  • Hard CeilingThe maximum price you will pay for a property, calculated when you are calm and based on what you can genuinely afford — not what the bank will lend you.
  • Hedonic Pricing ModelA statistical method that estimates property value by breaking it into measurable characteristics — bedrooms, land size, location, age — and assigning a value to each. Used in research to compare prices across properties while controlling for their differences.
  • Help to BuyA federal shared equity scheme where the government contributes up to 40% of the purchase price for new homes or 30% for existing homes, in exchange for an equivalent ownership share in the property.
  • Holding costThe gap between the rental income an investment property earns and its total ownership costs. This is the amount an investor pays out of pocket each month to hold the property.
  • Holding DepositA smaller initial payment (typically 0.25% of the purchase price in NSW) paid at the time of exchanging contracts, with the balance of the full deposit due by the end of the cooling-off period.
  • Home Guarantee SchemeA federal government scheme that allows eligible buyers to purchase a home with a deposit as low as 5% without paying Lenders Mortgage Insurance. The government guarantees the difference between your deposit and 20%.
  • House Price Expectations IndexA Westpac-Melbourne Institute survey measure of consumer expectations for house prices over the next 12 months. Any reading above 100 means more consumers expect prices to rise than fall.
How to Property

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From first steps to settlement.

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