Loan Features
Pre-approval first
Apply for pre-approval so you know your borrowing limit before making an offer on a property.
Lower deposit options
Many first home buyers can purchase with a smaller deposit, depending on the lender and eligibility.
Government schemes may apply
You may be eligible for schemes such as the First Home Guarantee or stamp duty concessions, reducing upfront costs.
Formal approval after contract
Once you’ve found a property and signed a contract, the lender completes a valuation and issues final approval.
Loan settles at purchase
The loan funds are released in full at settlement, and ownership transfers to you.
Principal and interest repayments
Regular repayments begin immediately after settlement, based on the full loan amount.
Ongoing repayments and reviews
Your loan can be reviewed over time as your income, rates, or goals change.
We help you understand eligibility for schemes like the First Home Guarantee, stamp duty concessions, and state grants.
Why use a Broker?
Access to first-home-buyer-friendly lenders
Some lenders are more flexible with deposits, genuine savings, and employment types, brokers know which ones suit first home buyers.
Guidance on government schemes and grants
Brokers help you understand eligibility for schemes like the First Home Guarantee, stamp duty concessions, and state grants.
Structuring the loan to minimise upfront costs
Advice on deposit size, LMI options, and fee waivers to reduce the cash needed to get started.
Clear explanation of the buying process
Step-by-step guidance from pre-approval through to settlement, without bank jargon.
Help avoiding common first-buyer mistakes
Such as over-borrowing, choosing unsuitable loan features, or misunderstanding repayments.
Support with pre-approval before you buy
Ensures you’re shopping with confidence and not at risk of finance falling through.