Advice NinjaStage 1 · The Deposit
Five plays · one deposit · QLD edition

The deposit is the hardest part. So stop saving for it the slow way.

Five legal, proven plays that get first home buyers off the rental treadmill years sooner. Run two or three together and "someday" becomes next year.

See the five plays

one-time · instant download · 30-day guarantee

$41,600/yr

of rent you stop paying with the Board Rooming play (at $800/wk)

$8–9k

banked after tax in a 6-month Leave Maxing sprint ($90k salary example)

$30k + $0

QLD first home grant, plus $0 stamp duty and a 5% no-LMI deposit — stacked

What's inside

Five plays, honestly explained — upside and fine print.

HACK 01 · EARN MORE

Leave Maxing

Your salary keeps landing while you're on paid leave — work somewhere else during that time and you're earning two incomes at once. Three ways to run it, a worked $90k example, and the watch-outs (contract clauses, tax, burnout).

HACK 02 · SAVE MORE

Board Rooming

Become head tenant on a 4-bedder, fill three rooms, and let flatmate rent cover yours — sometimes with change. How to run it clean: consent, pricing, paperwork, screening. Plus the QLD bonus: keep renting rooms out after you buy, from day one, without losing the grant.

HACK 03 · SKIP THE QUEUE

The Guarantor Play

Family equity as security — not family cash. Skip the deposit grind entirely, plus the exit plan for releasing the guarantee and the honest risks for everyone who signs.

HACK 04 · FREE MONEY

Stack the Government Freebies

The $30k grant, $0 stamp duty and the 5% deposit scheme — what each is worth, the eligibility traps, and how they combine. Current at July 2026, with the links to verify before you sign.

HACK 05 · BEAT THE TAXMAN

Super-Charge the Deposit (FHSS)

Save your deposit inside super at 15% tax instead of your marginal rate — the ATO's own scheme, walked through step by step.

Every play includes a timeline — week zero to money banked
Every play includes the watch-outs, not just the upside
Run 2–3 at once and the timeline collapses

One month of rent you stop paying covers this guide four times over.

$349

one-time · instant download · QLD edition, July 2026

🛡️ 30-day guarantee — if it doesn't show you a play you weren't already running, full refund.

Want the whole journey? The Ultimate Home Buying Guide includes all five deposit hacks plus the search, the due diligence toolkit, settlement & renovation, and paying the loan off early — $1,047 $750, save over 25%.