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Gross income means your salary before tax — it doesn't include super. If you salary-sacrifice extra into super or a novated lease, use the lower number that's actually taxed, the one on your payslip, not your total package figure.
before tax, combined if you're buying with someone.
what you've got put aside right now.
Since you're buying together, we'll go with whichever of you owned more recently — the more cautious assumption for scheme eligibility.
Whether — and how long ago — you've owned property affects stamp duty concessions and schemes like the First Home Guarantee. If it's been a while, you may still qualify: the First Home Guarantee looks at the last 10 years of Australian property ownership, and ACT's concession looks at the last 5 years, including property owned overseas. Tell us you've owned before and we'll ask when, so we can check both properly.