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First home buyers have been delivered a boost to their spending power as they can now avoid stamp duty and put the cash towards their new property.

The rising cost of essential goods and services has meant buyers have even less money to service a home loan, which is starting to affect how much they can take to auction.

The rising cost of essential goods and services has meant buyers have even less money to service a home loan, which is starting to affect how much they can take to auction.

The rising cost of essential goods and services has meant buyers have even less money to service a home loan, which is starting to affect how much they can take to auction.

The rising cost of essential goods and services has meant buyers have even less money to service a home loan, which is starting to affect how much they can take to auction.

First home buyers and young families are bearing the brunt of rate hikes and an average family of four could have their borrowing power cut by almost $145,000 if rates rise as forecast, forcing tricky choices about where and what to buy.