First Home Buyer
Your first home is closer than you think
With the right guidance, government grants, and low deposit schemes, buying your first home is more achievable than ever. We'll help you maximise your benefits and find the right loan.
Government grants
Up to $30,000+ in grants depending on your state and property type
Stamp duty savings
Exemptions and concessions that could save you tens of thousands
Low deposit schemes
Buy with as little as 2-5% deposit through government guarantees
Available Schemes
Grants & government support
There are multiple federal and state schemes designed to help first home buyers. Here are the main ones - and you may qualify for several.
First Home Owner Grant (FHOG)
Up to $30,000A one-off grant for first home buyers purchasing or building a new home. Amounts vary by state from $10,000 to $30,000.
First Home Guarantee
5% depositBuy with just 5% deposit and no Lenders Mortgage Insurance. Government guarantees up to 15% of the property value.
Help to Buy
2% depositGovernment contributes up to 40% of the purchase price for new homes, or 30% for existing homes. Buy with as little as 2% deposit.
Stamp Duty Concessions
Save $10,000+Most states offer stamp duty exemptions or concessions for first home buyers. Thresholds and amounts vary by state.
How We Help
First home buyer specialists
Buying your first home can feel overwhelming. We simplify the process by guiding you through every step - from understanding your options to getting the keys.
- Assess your eligibility for all available grants and schemes
- Compare 70+ lenders to find the best rate and features
- Handle the paperwork and liaise with lenders on your behalf
- Support you through to settlement and beyond
"We saved over $25,000 using the First Home Guarantee and state grants.Cajetan (CJ) Silva made the whole process easy to understand."
— Recent first home buyer
Tips
First home buyer tips
Start saving early
Even with low deposit schemes, having more savings gives you better rates and more options. Aim to save consistently, even small amounts.
Check your eligibility
Grant and scheme eligibility varies by state, property type, and price. We'll help you understand exactly what you qualify for.
Get pre-approved first
Know your budget before you start looking. Pre-approval is free and shows sellers you're a serious buyer.
Factor in all costs
Beyond the deposit, budget for stamp duty (if applicable), legal fees, inspections, and moving costs.
Consider location carefully
Think about commute times, amenities, future growth, and your lifestyle needs - not just the property price.
Use a broker
We compare 70+ lenders for free, handle the paperwork, and ensure you're getting the best deal and maximising your benefits.
Ready to buy your first home?
Let's maximise your grants and find the right loan
Book a free consultation and we'll assess your eligibility for all available schemes.