Five rate rises have cut how much first home buyers can borrow by roughly 10%. Here's why, how much, and practical ways to win some of it back.

"How much can I borrow?" is one of the most searched mortgage questions in Australia. Here's what actually moves the number — from the serviceability buffer to HECS debt, dependants, and why lenders differ so much.

You don't always need a 20% deposit to buy in Perth — but getting the numbers wrong can cost you thousands. Ian Freeman breaks down exactly what different deposit levels mean, what LMI really costs, and which government schemes could get you into the market sooner.