Buying Your First Home?
You don’t need a 20% deposit. You might need less than you think.
Most first home buyers come to us thinking they’re years away from being ready. After one conversation, many realise they can buy sooner than they thought.
We help first home buyers understand what they can borrow, what schemes they qualify for, and what the process actually looks like — in plain language, with no pressure.
Schemes That Could Help You Buy Sooner
First Home Guarantee
Buy with a 5% deposit and no Lenders Mortgage Insurance. The government guarantees the rest. No income cap. Available now.
First Home Owner Grant (FHOG)
A cash grant for eligible first home buyers purchasing new or substantially renovated properties. Amount varies by state.
Stamp Duty Concessions
Depending on your state, you may be eligible for a full or partial stamp duty exemption as a first home buyer.
How Buying Your First Home Works
1. Find out what you can borrow
We review your income, expenses and deposit and give you a clear borrowing capacity figure.
2. Check your eligibility for grants and schemes
We identify every scheme you qualify for and explain how to access them.
3. Get pre-approved
Pre-approval gives you a budget and the confidence to make an offer when you find the right property.
4. Find your home
Search with confidence, knowing exactly what you can spend.
5. We manage the rest
From offer to settlement, we handle the loan application and keep you updated throughout.
Your first home might be closer than you think.
Let’s find out together. One conversation — no obligation.