Your first home
starts here
Navigating government grants, lender requirements, and deposit strategies can feel overwhelming. We simplify the entire journey — from understanding what you can afford to holding the keys.
Buying your first home is one of the biggest financial decisions you'll make — and one of the most rewarding. Between government grants, guarantee schemes, stamp duty concessions, and lender requirements, there's a lot to navigate. That's exactly where we come in. We'll help you understand what you qualify for, how much you can borrow, and how to structure your purchase for the strongest possible start.
First Home Guarantee
Purchase with as little as 5% deposit and pay no Lenders Mortgage Insurance. The government guarantees the remaining 15% — saving you $10,000 or more upfront.
First Home Owner Grant
Depending on your state, you may be eligible for a cash grant of $10,000–$30,000 towards your first home. We'll confirm your eligibility and help you apply.
Stamp Duty Concessions
First home buyers can access significant stamp duty exemptions or reductions — potentially saving $20,000 or more depending on your state and purchase price.
Family Guarantee
A family member can use equity in their property to guarantee part of your loan, allowing you to buy sooner with a smaller deposit — often with no LMI required.
First home guidance for every buyer
You're building your deposit
You're saving hard and want to know exactly how much you need, when you'll be ready, and which government schemes can get you there faster. We'll map out your timeline and show you the shortest path to your first home.
You're ready to start looking
You have your deposit and want to move with confidence. We'll secure your pre-approval, explain your borrowing capacity, and ensure you know exactly what you can afford before you attend your first inspection.
You need creative structuring
Perhaps your income is variable, you're buying with a partner, or your parents want to help with a guarantee. We specialise in finding solutions when the path to your first home isn't straightforward.
From first call to first home
Initial consultation
We assess your financial position, explain which government schemes you qualify for, and map out a clear plan to get you into your first home.
Pre-approval
We secure your borrowing capacity with a lender so you know exactly what you can afford. This gives you confidence — and credibility — when you start making offers.
Property search & offer
As you search for the right property, we're on call to run the numbers on any listing. When you find the one, we help structure your offer and finance simultaneously.
Settlement & keys
We coordinate with your solicitor, the lender, and the vendor's team to bring everything together. On settlement day, the keys are yours.
First home specialists
Government scheme expertise
We stay across every federal and state scheme — FHG, FHOG, stamp duty concessions — so you never miss an entitlement.
Borrowing power clarity
We show you exactly what you can borrow, what your repayments will be, and how different deposit levels change the picture.
Lender selection that matters
Not all lenders treat first home buyers the same. We match you with lenders whose policies work in your favour.
LMI strategy
If Lenders Mortgage Insurance applies, we explore every option to minimise or eliminate it — from government guarantees to family support.
Plain-language guidance
No jargon, no pressure. We explain every step in clear terms so you feel confident making the biggest purchase of your life.
Beyond settlement support
Your first home is just the beginning. As your circumstances change, we're here to help you refinance, invest, or restructure.
What you'll need
Documents to prepare
- Recent payslips (2–3 months)
- Bank statements showing genuine savings (3+ months)
- Tax returns (if self-employed)
- Photo ID (driver's licence and/or passport)
- Evidence of deposit funds
Typical requirements
- Minimum 5% deposit (2% with family guarantee)
- Genuine savings held for 3+ months
- Stable employment (6+ months in current role)
- Clean credit history
- Australian citizen or permanent resident (for government schemes)
Every situation is different — if you're unsure whether you qualify, book a free consultation and we'll assess your position.