First Home Buyers

Your first home is one of life's biggest milestones. We make the journey clear, simple, and stress-free — and help you access every grant and incentive available.

Government Incentives

Grants & Schemes Available to You

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First Home Guarantee

Buy with just a 5% deposit without paying Lenders Mortgage Insurance (LMI) — guaranteed by the government.

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First Home Owner Grant

Eligible buyers of new homes can receive up to $10,000 from the state government (amounts vary by state).

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Stamp Duty Concessions

First home buyers may be eligible for stamp duty discounts or full exemptions on properties under a certain value.

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Help to Buy Scheme

The government co-purchases a share of your home, reducing your deposit and loan size requirements significantly.

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Your Journey

We'll Be With You Every Step of the Way

Buying your first home can feel overwhelming — but it doesn't have to be. Our brokers specialise in first home buyers and will walk you through every step clearly and patiently.

Understand your borrowing capacity

Identify which grants and schemes you're eligible for

Get pre-approved before you start inspecting

Find the right loan with a competitive rate

Handle all paperwork and lender communication

Settlement day support and beyond

Start My First Home Journey

FAQ

First Home Buyer Questions Answered

How much deposit do I need as a first home buyer? +

You can buy with as little as 5% deposit through the First Home Guarantee scheme. Otherwise, a 10–20% deposit is ideal to avoid LMI. We'll help you understand your exact situation and options.

Can I use my superannuation for my first home deposit? +

Yes! Under the First Home Super Saver (FHSS) Scheme, you can withdraw voluntary super contributions to use as part of your first home deposit. We can explain how this works in detail.

How long does it take to get a home loan? +

Pre-approval typically takes 1–5 business days. Full approval after finding a property usually takes 2–3 weeks. We speed up the process by preparing everything correctly from the start.

Do I need a solicitor or conveyancer? +

Yes, you'll need a solicitor or conveyancer to handle the legal aspects of purchasing a property. We can recommend trusted professionals in your area.