A busy autumn with auction numbers well up on last year has left Melbourne’s property market almost perfectly in balance between buyers and sellers.

The average person could add $130,000 to their borrowing power by taking six clear steps from the comfort of their couch – and a warning, one of them involves getting stuck in with scissors.

It's important to know what you can afford before diving into the home-buying process.

More home sellers believe it's a good time to put their property on the market, which has led to an influx of new home listings across the country.