Where are you starting from?

Pick the situation closest to yours for a short path through the guides, calculators and suburb data that matter most to it, in the order you will need them.

First home buyer

You have never owned a home and want to know where to begin.

01First home buyer checkToolSee which first home schemes and concessions may apply to you, and why.02Borrowing power calculatorToolEstimate what a lender might offer, then set a budget you can live with.03True cost to buyToolAdd stamp duty, concessions, grants and fees for your state to the price.04The buying journeyGuideSeven steps from getting your finances ready to settlement day.05Suburb finderToolShortlist suburbs by price, commute, schools and planning.06Address checkToolCheck a Victorian address's zone, overlays and school zones before you inspect.07Vendor disclosure by stateGuideKnow what the seller must tell you before you sign.

Upgrading

You own a home and want to sell and buy something bigger or better placed.

01Bridging financeGuideHow lenders handle buying before you sell, and the risks.02Borrowing power calculatorToolEstimate what you could borrow for the next home.03True cost to buyToolWork out the duty and fees on the new purchase.04School zonesToolCheck which Victorian government schools a street is zoned for.05Compare suburbsToolPut the suburbs you are weighing side by side.06Buying at auctionGuideHow auctions work and how to set a walk-away price.

Buying an apartment

You are looking at an apartment or unit, new or established.

01Apartments and off the planGuideWhat is different about buying an apartment, state by state.02Owners corporations explainedGuideFees, rules and who maintains what.03Inspecting apartmentsGuideWhat to look at in the apartment and the common property.04Owners corporation due diligenceGuideThe records to read before you commit.05Worked example: a special levyGuideHow an unexpected levy can change the real price.06Off-the-plan duty concessionGuideWhen buying off the plan can change the duty you pay.

Building new

You want to buy land and build, or buy a house-and-land package.

01Building a new homeGuideThe steps, contracts and protections when you build.02Vacant land and house-and-landGuideWhat to check when the house does not exist yet.03Finance for buildingGuideConstruction loans, drawdowns and where funding gaps appear.04Checking a builder or developerGuideLicences, insurance and track record.05Planning zones and overlaysToolWhat the zone and overlays allow you to build.06Address checkToolSee the zone and overlays on a Victorian block.

Investing

You want to buy a property to rent out.

01Investment foundationsGuideHow yield, growth, leverage and risk fit together.02Home loan or investment loanGuideHow the loans and their costs differ.03Suburb finderToolFilter suburbs by price, rent and yield.04Land tax by stateGuideWhen land tax applies to an investment property.05Tax scenariosToolWorked land tax and capital gains examples.06Negative gearing and the reformGuideWhat changes, and what is grandfathered.

Not sure yet? Read the whole buying journey, or browse every guide.

The Delora app

Already looking at homes?

The guides need no account. When you have real listings in front of you, sign in to Delora: it checks each home against official records, works out the cost to buy, and remembers your search between Claude chats.

Sign in with Google, Apple or an email code through a hosted sign-in provider; Delora never sees your password. What the app keeps.