I need to save money to buy a house and it will take me 2-3 years to save for deposit. I am already 39 years old and here in Australia the banks and lenders make it difficult for you to borrow after 42 yrs of age. Given that this would be my first residential home and I do not have any other property or investments and given that it is high time that my family must have our own house am I eligible for a Khums exemption while I am saving for the deposit in the next 2-3 years?