The HOLD Homeowner Guide
Understand homeownership, not just the numbers
Clear, Australian, plain-English guides to what your home actually costs - and how to keep track of it without a spreadsheet.
Buying your first home
Hidden costs of buying a home in Australia
The upfront and ongoing costs of buying a home in Australia beyond the purchase price - stamp duty, conveyancing, inspections, and the recurring costs that arrive after settlement.
First home buyer costs in Australia
A beginner-friendly guide to the costs of buying and owning your first home in Australia - upfront fees, ongoing bills, and how to plan for the first year.
The first homeowner guide
A friendly, plain-English guide for new Australian homeowners - what to do after settlement, the first-month bills, and how to plan your first year.
What bills do homeowners pay?
A clear list of the bills Australian homeowners pay - mortgage, rates, water, insurance, utilities and strata - and how often each one arrives.
Understanding your home costs
The true cost of owning a home in Australia
Understand every ongoing cost of owning a home in Australia - mortgage, strata, council rates, water, insurance, utilities and maintenance. See what your home really costs.
The cost of owning a house
Mortgage, council rates, water, insurance, utilities and maintenance - understand the ongoing cost of owning a house in Australia.
How to build a homeowner budget
A simple approach to building a homeowner budget - how to budget for monthly house expenses, quarterly bills and annual renewals without a spreadsheet.
Strata & apartments
Strata fees in Australia, explained
What strata fees are, what they cover, how much they cost and how often you pay. Understand strata, owners corporation and body corporate fees in Australia.
Special levies explained
A plain-English guide to strata special levies in Australia - what they are, when they happen, how much they can be, and how to prepare for one.
The sinking fund (capital works fund)
What a strata sinking fund (capital works fund) is, how it works across Australia, and why a healthy fund matters for apartment owners.
The cost of owning an apartment
Strata, council rates, water, insurance and utilities - understand the ongoing cost of owning an apartment in Australia and what to plan for.
Mortgages
Rates & utilities
Council rates in Australia
How council rates work in Australia - how they are calculated, how often you pay, and how they differ for houses and apartments.
Water rates in Australia
How water rates and bills work for Australian homeowners - fixed charges, usage, how often you pay, and how it differs for houses and apartments.
Household bills in Australia
Electricity, gas, internet, water and rates - understand the recurring household bills Australian homeowners pay and how to budget for them.
Budgeting for council rates
How to budget for council rates so quarterly instalments never surprise you - and how HOLD handles the maths automatically.
Home maintenance
Saving money
How to save money as a homeowner
Practical ways for Australian homeowners to reduce household expenses, lower bills, find unused subscriptions and review recurring costs.
How to do an annual home expense review
A simple framework for reviewing your home expenses once a year - subscriptions, utilities, insurance and rates - to find steady savings.
Calculators
Home expense tracker
A simple home expense tracker for Australian homeowners. Bring your mortgage, strata, council rates, water, insurance and bills together and see what your home really costs.
Property expense tracker
Track property expenses in Australia with HOLD - mortgage, strata, council rates, water, insurance and maintenance in one free app. See what your property really costs.
