Knowledge base
Delora's financial knowledge graph
Every dynamic figure in Delora's home-buying finance guides and calculators — thresholds, rates, grant amounts — is drawn from this graph of claims, each traced to a specific, actually-fetched government or regulator source. This page is generated directly from that graph, not maintained separately from it.
How this works
Delora fetches primary sources — RBA, APRA, ASIC/Moneysmart, Housing Australia, the ATO, and the Victorian State Revenue Office — archives them with a content hash, and extracts specific, citable claims from them. Guide pages and calculators read from these claims rather than having figures typed directly into prose, so every number a reader sees links back to where it came from and when it was last verified. A weekly monitor re-fetches each source and flags genuine content changes for review — nothing is republished automatically.
Source catalogue (23 sources)
Every source currently archived, grouped by issuing authority.
ASIC (Moneysmart)
Australian Prudential Regulation Authority
Australian Taxation Office
Foreign Investment Review Board / Australian Government
Housing Australia / Australian Government
National Debt Helpline (funded by state/territory governments)
Reserve Bank of Australia
State Revenue Office Victoria
Active claims (24)
Every claim currently powering a guide or calculator, with its confidence and last verification date.
From February 2026, APRA limits authorised deposit-taking institutions to no more than 20% of new residential mortgage lending at a debt-to-income ratio of six times or more, applied separately to owner-occupier and investor lending portfolios. Banks retain discretion to lend to individual high-DTI borrowers within that overall limit.
APRA requires authorised deposit-taking institutions to assess new home loan borrowers' ability to repay at an interest rate at least 3.0 percentage points above the loan's actual rate (the mortgage serviceability buffer).
Under the Australian Government 5% Deposit Scheme, eligible first-home buyers can buy with a minimum 5% deposit, and eligible single parents or legal guardians with a minimum 2% deposit, with the Government guaranteeing the shortfall to the lender so Lenders Mortgage Insurance is not required.
From 1 October 2025, the Australian Government 5% Deposit Scheme has no income caps and no waitlists for eligible applicants.
Under the First Home Super Saver Scheme, an individual can make up to $15,000 in voluntary super contributions per financial year, up to $50,000 in total, and withdraw those contributions plus associated earnings (as determined by the ATO) to put towards a first home deposit. Minimum age to apply is 18. Couples, friends or siblings can each access their own FHSS savings toward the same property.
Under the Australian Government Help to Buy shared-equity scheme, eligible buyers save a minimum 2% deposit and the Government contributes up to 30% of the purchase price for an existing home or up to 40% for a new home, taking a proportional equity share that is repaid on sale or by voluntary buy-back.
The National Debt Helpline provides free, independent, confidential financial counselling to people in Australia experiencing financial difficulty, including help negotiating with lenders about hardship arrangements.
From 1 April 2025 to 30 June 2029, foreign persons (including temporary residents and foreign-owned companies) are generally prohibited from purchasing established dwellings in Australia, with limited exceptions (for example, redevelopment that significantly increases housing supply). Buying new or near-new dwellings, or vacant residential land for development, generally still requires FIRB approval and notification to the Register of Foreign Ownership of Australian Assets.
Buy now pay later (BNPL) services are a form of credit; using them regularly, or having several open at once, can appear on some lenders' assessments of your existing debts and spending patterns when you apply for a home loan.
Mortgage brokers in Australia must act in the customer's best interests when recommending a home loan.
A home loan comparison rate is a single figure representing the cost of the loan, combining the interest rate and most fees, intended to let borrowers compare the true cost of loans with different rate/fee combinations. Key features to compare: interest rate, comparison rate, monthly repayment, application (establishment) fee, ongoing fees, loan term, and loan features such as offset, redraw or line of credit (and their own fees).
Australians have the right to a free copy of their credit report every 3 months, from each of the main credit reporting bodies.
If a buyer's Loan-to-Value Ratio (LVR) is above 80%, lenders may require Lenders Mortgage Insurance (LMI), a one-off fee that protects the lender (not the buyer or guarantor) if the loan cannot be repaid.
Self-employed home loan applicants are commonly asked to provide more extensive financial evidence than employees, such as multiple years of tax returns and business financial statements, to help lenders assess income stability.
The RBA cash rate target averaged 4.35% for June 2026, per the RBA's F1.1 statistical table.
The average outstanding variable interest rate on owner-occupier housing loans (all lenders) was 6.2% per annum, as at 31 May 2026.
Victorian general (non-PPR, and PPR properties above $550,000) land transfer duty: $0-$25,000: 1.4%; $25,000-$130,000: $350 + 2.4% of excess over $25,000; $130,000-$960,000: $2,870 + 6% of excess over $130,000; $960,000-$2,000,000: 5.5% of dutiable value; above $2,000,000: $110,000 + 6.5% of excess over $2,000,000.
Victorian principal-place-of-residence land transfer duty (contracts from 6 May 2008): $0-$25,000: 1.4%; $25,000-$130,000: $350 + 2.4% of excess over $25,000; $130,000-$440,000: $2,870 + 5% of excess over $130,000; $440,000-$550,000: $18,370 + 6% of excess over $440,000; above $550,000 the PPR concessional rate does not apply and the general rate scale is used instead.
Eligible first-home buyers pay a reduced (concessional) rate of Victorian land-transfer duty on a home with a dutiable value from $600,001 to $750,000.
Eligible first-home buyers pay no Victorian land-transfer duty on a home with a dutiable value up to $600,000.
To keep the Victorian first-home buyer duty exemption or concession, at least one purchaser must occupy the home as their principal place of residence for 12 continuous months, starting within 12 months of settlement.
The Victorian First Home Owner Grant is $10,000 for eligible first-home buyers purchasing or building a new (newly constructed or never previously occupied) home valued up to $750,000.
Foreign purchasers of residential property in Victoria pay an additional 8% duty surcharge (on top of standard land transfer duty) for contracts entered into on or after 1 July 2019.
Victoria's temporary off-the-plan land transfer duty concession for eligible strata apartment and townhouse purchases has been extended to 21 April 2027 (pending legislation for the most recent extension announced in the 2026-27 Victorian Budget).
Superseded claims
Kept for history rather than deleted — the bitemporal record shows what Delora previously stated and when it was superseded, not just the current figure.
The First Home Super Saver Scheme allows eligible people to withdraw certain voluntary superannuation contributions to help fund a first-home deposit, subject to ATO-administered contribution and release rules.
Change log
Real output from Delora's source-monitoring pipeline — content changes flagged for human review, not auto-published.
About the entries below: these three were flagged by an early version of Delora's monitor, which hashed raw page bytes and was fooled by cache-busting parameters and ad/tracking snippets that change on every request with no real content change. The monitor was fixed to hash cleaned page text instead, and a re-run confirmed these were false positives — shown here rather than deleted, because a change log that hides its own mistakes isn't trustworthy.
This catalogue reflects Delora's own knowledge graph as of the date shown against each source, not a live feed of the original agency's site. If a figure here looks out of date, the linked official source is always the authority — please let us know.