How to Buy Your First Home in 90 Days (Australia 2026)

📞 Book a Free Discovery Call With an Experienced Mortgage Broker https://calendly.com/david-pelligra-n... 📘 Download the Free First Home Buyers Guide (PDF): https://fhb.davidpelligra.com.au 📷 Instagram →   / davidpelligra   https://nidofinance.com.au Taking 12 months to buy your first home isn't the careful option. It's the expensive one. That's 12 months of rent you never get back, a market that keeps moving, and a pre-approval that quietly expires before you've found the place. Most first home buyers think they need 20% and a year of house hunting. The people who get the keys fast aren't richer, they just put dates on things and get their finance sorted before they start looking. This is how to buy your first home in Australia in 90 days, working backwards from the day you get the keys. In this video, you'll learn how to size your deposit properly (5% plus costs and a $3,000 buffer), why your borrowing capacity is a ceiling and not a target, how to spot a pre-approval that hasn't actually been assessed by a human, and the negotiation questions that get you a better price. Perfect for first home buyers across Australia, anyone using the Home Guarantee Scheme, and couples trying to work out a realistic timeline to buy. Chapters: 00:00 - Why 12 months is the expensive option 00:52 - Working backwards from the keys 01:18 - Week 12: Size your deposit (5% plus costs) 02:25 - Week 12: Borrowing capacity is a ceiling, not a target 02:59 - Your "shiver number" 04:40 - Week 8: Not every pre-approval is real 06:09 - Why a clean file gets approved faster 06:43 - Week 4: When your settlement clock starts 07:27 - Negotiation: never give the agent your maximum 08:12 - The two best questions to ask the agent 09:08 - Week 1: From signed contract to settlement how to buy your first home australia, first home buyer australia, first home in 90 days, how to buy a house australia, first home buyer tips australia, first home buyer, first time home buyer, buying a house for the first time, home buying process, how to buy a house step by step, pre approval mortgage, mortgage pre approval, how to get preapproved, mortgage pre approval process, first home guarantee, home guarantee scheme, 5% deposit home loan, first home buyer deposit, borrowing capacity australia, settlement process australia, negotiating house price, home loan australia, mortgage broker australia, mortgage broker melbourne, mortgage tips australia, australian property, real estate australia, buying a home, home buying tips, david pelligra, david does property 🙋‍♂️ About Me I'm David — a mortgage broker based in Melbourne. I've helped hundreds of first home buyers and investors across Australia buy property with confidence, clarity, and strategy. My aim is to give you the ultimate guidance and information so you can make the most informed decision possible when purchasing property. 📬 Stay Connected Instagram →   / davidpelligra   Website → https://nidofinance.com.au ⚠️ Disclaimer This video is for educational purposes only and does not constitute financial advice. Always speak to a licensed broker or financial adviser before making decisions. #firsthomebuyer #firsthomebuyers #australianproperty #mortgagebrokeraustralia #homeguaranteescheme