A full guide to WA construction loans: progress payments, land + build structuring, valuations, fixed-price contracts, variations, deposits, FHOG, and what happens when costs increase.

Perth's median dwelling value has pushed past $1.05 million, above both the 5% Deposit Scheme cap and the WA FHOG threshold. Here's what still fits under cap, and how to stack the schemes that are still available to you.

Stamp duty thresholds are up $100,000 and Keystart's caps just rose too. Here's exactly what the May 2026 WA Budget is worth to Perth first home buyers.