First Home Buyers

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

Grants & Schemes Available to You

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First Home Guarantee

Buy with just a 5% deposit without paying Lenders Mortgage Insurance (LMI) β€” 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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We'll Be With You Every Step of the Way

Buying your first home can feel overwhelming β€” 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

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.

Ready to Buy Your First Home?

Book your free consultation and take the first step towards homeownership today.

EZ Mortgage Broker

Live Rate Shift & Refinance Savings Calculator

Calculate real-time repayment variances, uncover market savings, and model RBA interest rate shifts.

1. Loan & Rate Details
2. Contact Details
3. Savings & Strategy
COL 1

Loan & Rate Parameters

$750,000
6.25%
Enter details to reveal & receive full breakdown:
COL 2

Calculated Impact & Chart

ESTIMATED MONTHLY VARIANCE
-$121 / month
Approx. $1,452 / year savings
Monthly Repayment Comparison:
Current Loan (6.25%) $4,618/mo
$4,618
New Shifted Rate (6.00%) $4,497/mo
$4,497
COL 3

Market Intel & Reviews

β˜…β˜…β˜…β˜…β˜… 5.0 Google Rating
"EZ Mortgage Broker negotiated a 0.65% discount with our lender within 4 days. Saved us thousands!"
β€” Marcus & Sarah T., Tarneit
"Smooth, transparent process from initial rate calculation through to settlement. Highly recommend."
β€” Priya K., Point Cook
Latest Market Updates:
Fixed vs Variable: Navigating RBA Rate Cycles
⏱️ 4 min read β€’ Money & Banking
Refinancing Playbook: How to Cut Repayments
⏱️ 5 min read β€’ Loan Strategy
MFAA Accredited Credit Advisors
Mortgage Broker Online Pty Ltd t/a EZ Mortgage Broker | Credit Rep 538522 (nMB ACL 391209)

*Disclaimer: All rates, fees, and calculations are indicative only and subject to change. Repayment calculations are based on a 30-year principal and interest loan structure.