First home buyers
Your first home, without the guesswork
From government grants to low-deposit options, we walk you through every step - and compare 40+ lenders to find a loan that actually fits your budget.
How we help
Buying your first home is exciting, but the lending side can feel like a maze: deposits, LVR, LMI, grants, guarantees, pre-approvals. Our brokers untangle it all in plain English and build a plan around your actual savings and income.
We'll check your eligibility for the First Home Guarantee (buy with as little as 5% deposit and no LMI), state grants like the First Home Owner Grant, and stamp duty concessions - in NSW, eligible first home buyers pay no transfer duty on homes up to $800,000.
Low-deposit pathways
First Home Guarantee places, family guarantee options and lenders that accept 5% genuine savings - we find the route that gets you in sooner.
Grants & concessions sorted
We identify every grant, scheme and stamp duty concession you qualify for, and handle the paperwork to claim them.
A realistic budget, first
Before you fall in love with a property, we confirm your true borrowing power and repayments so you shop with confidence.
Support to settlement and beyond
Pre-approval, offer, finance approval, settlement - one broker manages the whole journey and chases the lender for you.
The process
From first call to settled, step by step
Free assessment call
A 15-minute chat about your savings, income and goals. We'll tell you honestly whether you're ready now or what to work on.
Borrowing power & scheme check
We calculate what you can borrow across 40+ lenders and check your eligibility for grants and guarantee schemes.
Pre-approval
We package your application to the lender that suits you best, so you can bid or make offers with confidence.
Purchase & settlement
Found the one? We convert your pre-approval to full approval and coordinate with your conveyancer through to settlement day.
First home buyers
Find out what you could borrow as a first home buyer
Free assessment. No credit score impact. Clear answers in one call.
- Takes about 60 seconds
- No credit check, no obligation
- A licensed broker reviews every enquiry personally
Common questions
First Home Buyers FAQs
Many lenders accept 5% genuine savings, though a 20% deposit avoids Lenders Mortgage Insurance (LMI). Under the Australian Government's First Home Guarantee, eligible buyers can purchase with just 5% deposit and pay no LMI at all. We'll map out which option costs you least overall.
Find out what you could borrow as a first home buyer
Free assessment. No credit score impact. Clear answers in one call.