First Home Buyer Loans Made Simple
Take the first step towards homeownership with expert guidance, government grants, and competitive rates designed specifically for first home buyers.
Buying your first home is one of life's biggest milestones, and we're here to make it as smooth as possible. Our first home buyer specialists understand the unique challenges and opportunities facing new buyers in Australia. From navigating government grants to finding the right lender, we'll guide you through every step of the journey. Our extensive lender panel ensures you get competitive rates, while our expertise helps you avoid common pitfalls and make informed decisions about your first property purchase.
Get Your First Home Buyer Quote
Fill out the form below and our first home buyer specialists will contact you with a personalized quote and advice.
Key Features
Benefits
Our First Home Buyer Process
Our streamlined process makes getting your first home buyer straightforward and stress-free.
Free Consultation
We discuss your needs, goals, and financial situation
30 minutes
First Home Buyer Assessment
We assess your situation and identify available grants and schemes
1-2 hours
Grant & Scheme Research
We research all available government grants and first home buyer schemes
1 day
Loan Comparison
We research and compare loans from our lender panel
1-2 days
Application Lodgement
We prepare and submit your application to the chosen lender
1-3 days
Approval Process
We manage the approval process and liaise with the lender
5-14 days
Settlement
We coordinate settlement and ensure everything runs smoothly
30-60 days
First Home Buyer Eligibility
Not sure if you meet the requirements? Get in touch for a free assessment.
Check My EligibilityFrequently Asked Questions
What is the minimum deposit required for first home buyers?
First home buyers can purchase with as little as 5% deposit through various schemes. However, you'll typically need to pay Lenders Mortgage Insurance (LMI) with deposits under 20%. Some lenders offer LMI waivers for certain professions or through government schemes.
What government grants are available for first home buyers?
Available grants include the First Home Owner Grant (varies by state), First Home Loan Deposit Scheme, and various state-based stamp duty concessions. Eligibility and amounts vary by location and circumstances. We'll help you identify which grants you qualify for.
How long does the first home buying process take?
From pre-approval to settlement typically takes 6-12 weeks, depending on the property type and lender. We recommend getting pre-approved before house hunting to streamline the process and know your budget.
What costs should I budget for beyond the deposit?
Additional costs include stamp duty, legal fees, building and pest inspections, loan establishment fees, and moving costs. Budget approximately 3-5% of the property value for these additional costs, though first home buyers may receive stamp duty concessions.
Can I buy an investment property as a first home buyer?
First home buyer grants and schemes are specifically for owner-occupied properties. However, you can still access competitive investment loan rates. Once you've purchased your first home, you can later consider investment properties.
Have more questions? Our experts are here to help.
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Ready to Buy Your First Home?
Get started with a free consultation and discover how much you can borrow, what grants you qualify for, and the best loan options for your situation.