First Home Loan Applications

Buying your first home is a milestone and it can also feel overwhelming. Between deposit requirements, government grants, lender policies and the sheer number of loan products on the market, first home buyers often don't know where to start. We are here to take that pressure off you and guide you through the process from your first conversation through to settlement.

First home buyers face a different set of challenges to other borrowers. Lenders assess deposit size, savings history and eligibility for schemes like the First Home Guarantee differently depending on your circumstances, and getting the wrong advice early can cost you thousands or delay your purchase altogether. With access to over 40 lenders we compare real options against your income, deposit and goals so you understand exactly what you can borrow and what it will cost you.

We handle the entire process on your behalf. We start by assessing your borrowing capacity and eligibility for any first home buyer grants or schemes you may qualify for, then identify and compare loan options suited to your situation, explain everything in plain language so you know what you're signing up for, and manage the paperwork and lender communication through to settlement. You won't be left chasing us for updates or wondering what happens next.

Getting into your first home shouldn't mean settling for whatever loan you're offered first. Our goal is to get you a loan structure that fits your budget now and sets you up well for the years ahead.

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Frequently Asked Questions

  • Most lenders ask for a minimum 5% deposit, though this depends on the lender and your circumstances. Government schemes like the First Home Guarantee can allow eligible buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance. We'll walk you through what you're eligible for and what it means for your borrowing power.

  • The main ones to know about are the First Home Owner grant and the First Home Guarantee scheme, though what you can access depends on your income, the property value and whether you've owned property before. State based stamp duty concessions can also apply on top of these. The rules shift from time to time so it's worth checking your position rather than assuming what applied to a friend or family member applies to you. We check your eligibility against current criteria and build any grants or guarantees into your loan strategy from the outset.

  • No. Lenders look at your overall financial position and not just your credit score. Some minor issues in your credit history won't necessarily stop you from getting approved, particularly with lenders who take a more flexible approach. We can advise you on which lenders are likely to work for your specific situation.

  • Beyond your deposit, budget for stamp duty (unless you're exempt or eligible for a concession), conveyancing or solicitor fees, building and pest inspections, and lender fees where applicable. First home buyers are sometimes caught out by these extras. We factor them into your overall budget upfront so there are no surprises at settlement.