"Determined to give you expert advice"

One great thing about Australia (though many may think it is not enough) is the first home-buyers grant from the government.

When my son built his first home, he received $14,000 from the government, which went a long way towards helping with the various initial fees.

The grant is a one-off "gift" for every Australian's first home. I am sure other countries may have something to help home buyers but first-home buyers???

Okay, so you have the grant, you've saved up (what you think) is enough money for a deposit etc.

However, unless you are a financial whiz, I reckon you won't go wrong seeking expert advice, either from one of the big banks, such as the Commonwealth, or a highly recommended mortgage broker.

When I tell my friends in Bangkok about the benefits of off-set accounts, I receive blank looks. Off-set accounts, investor advice, mortgage information etc etc are crucial so, if you live in Australia, make sure you ask your bank about them.