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The deposit isn’t just a formality — it’s real money with real rules. Here’s when it’s usually 10%, when you can negotiate 5%, how cooling-off changes things, and the situations where your deposit can disappear.
Thinking of buying a new home before your current one sells? If you’re relying on sale proceeds, the risks can add up fast—dual mortgages, bridging finance costs, weaker negotiating power, and even failing to settle. Here’s what to watch for in NSW and how to protect yourself.
First Home Buyers Benefits

