First Home Buyers

Your First Home. Done Right.

Your first home is the biggest financial decision of your life. We make sure you get it right — the right loan, the right grants, the right structure from day one.

Book a Free Call Learn More
Scroll
Back to Home Loans
Why Use A Broker

We Work For You,
Not The Bank.

A bank can only offer its own products. A mortgage broker is legally required to act in your best interests — and with access to 50+ lenders, we find options the bank simply can't.

Best Interests Duty

By law, we must act in your best interests. Not the lender's. Not the bank's. Yours. This is our legal obligation and our genuine commitment.

50+ Lenders Compared

We compare major banks, credit unions, and specialist lenders to find the right rate and product for your situation — not just what's convenient for us.

Guided Every Step

From understanding your borrowing power to settlement day — we explain everything in plain English and handle the complex bits so you don't have to.

Government Help

Grants & Schemes You
Might Be Missing Out On

There's real government money available for first home buyers. Most people don't know what they're entitled to. We do — and we make sure you get every dollar you're owed.

Federal

First Home Guarantee (FHBG)

Buy with just a 5% deposit and avoid Lenders Mortgage Insurance entirely — the government guarantees the remaining 15% for eligible buyers.

Min Deposit5%
LMI PayableNone
Property Cap (Metro)$800,000
Available Places35,000 per year
Victoria

First Home Owner Grant (FHOG)

A Victorian government cash grant for eligible buyers of new or substantially renovated homes. Up to $10,000 towards your purchase.

Grant AmountUp to $10,000
Property TypeNew / Substantially Renovated
Max Property Value$750,000
Must Live In12 months minimum
Victoria

Stamp Duty Concessions

First home buyers in Victoria may receive significant stamp duty discounts or complete exemptions depending on the purchase price of the property.

Full ExemptionUnder $600,000
Concession$600K–$750K (scaled)
Applies ToNew & Established Homes
Potential SavingUp to $31,000+
Federal

First Home Super Saver Scheme

Use your superannuation to save a home deposit. Voluntary contributions made through super can be withdrawn for a first home purchase at a concessional tax rate.

Max Withdrawable$50,000
Tax AdvantageLower tax rate on earnings
Eligible ContributionsSalary sacrifice + voluntary
Application ThroughATO
Pre-Approvals

Get Pre-Approved
Before You Search

A pre-approval tells you exactly how much you can borrow — and lets you bid at auction or make offers with total confidence. But not all pre-approvals are equal.

We only arrange fully-assessed pre-approvals — the kind where the lender has done the real work. Not the hollow "non-assessed" type that falls apart when you need it most.

Get Pre-Approved ➜

Non-Assessed Pre-Approval

A rubber stamp with no real assessment behind it. Looks good on paper, falls apart when you submit. We've seen clients lose their dream home because their pre-approval wasn't worth the paper it was printed on.

Fully-Assessed Pre-Approval ✓

The lender has reviewed your income, expenses, credit history — the full picture. This is the one that holds up. Valid for 3–6 months. We even have a lender who offers 12-month pre-approvals in certain cases.

The Process

From Confused To
Keys In Hand

1

Tell Us Your Situation

Income, savings, what you're hoping to buy. 30 minutes is all we need to understand your picture.

2

Check Your Entitlements

We identify every grant, scheme and concession you qualify for. No leaving money on the table.

3

Get Pre-Approved

A fully-assessed pre-approval so you can buy with confidence and compete at auction without blinking.

4

Find, Offer, Win

You find the property. We handle the finance. When settlement day comes, you're ready.

Common Questions

First Home Buyer
FAQs

How much deposit do I actually need?
Technically as little as 5% with the First Home Guarantee scheme. But the bigger your deposit, the lower your rate and repayments. We'll show you the numbers at each deposit level so you can make the right call for your situation.
What is Lenders Mortgage Insurance (LMI)?
LMI is a one-off insurance premium charged when your deposit is under 20%. It protects the lender — not you — and can add tens of thousands to your loan. The FHBG scheme lets eligible buyers skip it entirely with just 5% down.
Can I buy with someone who already owns property?
It depends on the scheme. The FHBG requires all applicants to be first home buyers. We'll walk through the eligibility requirements and let you know exactly where you stand before you apply anywhere.
Should I use an offset account or make extra repayments?
Both save you interest — but in different ways. An offset account is more flexible. Extra repayments reduce your principal faster. The right answer depends on whether you're on a fixed or variable rate and your cash flow situation. We'll show you the numbers.
Is it better to buy now or wait and save more?
There's no universal answer. It depends on your local market, your income trajectory, and your personal goals. What we can do is show you the genuine cost of waiting versus buying now — so you're making a decision based on data, not anxiety.

Ready To Buy Your
First Home?

Book a free 30-minute strategy call. No obligation, no jargon — just honest advice on what you can borrow and what you're entitled to.

Book Free Call ➜ Email Us

Or call 1300 080 180