Have you had your eye on your perfect home for some time now? Do you daydream about nestling in making it your own? If so, it sounds like it's time for you start thinking about your home deposit.  Then you can go on to secure the home loan you'll need for your dream future.

It can be a challenge to save up enough money for your home deposit, but a few minor changes to your lifestyle can do the trick.

Sell sell sell!
Firstly, sell anything you don't use or need. Perhaps you can get by catching the bus and sell your car, or even sell your exercise equipment and go for a run outside instead.

Cut out that daily cup of java
You'd be surprised how much money you can save simply by skipping Friday night dinners out or Sunday shopping sprees. Curb your spending habits by just a little and watch the savings grow.

Clear out your closet
Sell some of your smaller belongings online. Clothes you haven't worn in a long time, old DVDs and CDs or games. While you might not make mega-bucks from this, every bit counts.

When you do shop, shop smarter
For those things you really need, keep an eye out for sales and discount deals. If you need a new outfit for that special occasion, always look on the sale rack – it's more than possible to find fabulous clothes on a bargain budget! Try to do your supermarket shopping in the evenings or at night time. Often breads and other perishable goods will be discounted because they need to be sold that day.

Every dollar will get you closer to paying that home deposit, so make goals and save one dollar at a time.

Buying a home is one of the most significant commitments Australians make in their lifetime, so it's important to do it right.

Remember, mortgage brokers can help you through the process of securing a first home buyer loan.

You can contact a Smartline Mortgage Adviser on 13 14 97 for home loan advice. Or complete our call request form and we’ll call you!