First Home Buyers
First Home Buyers —
Your Step-by-Step Guide.
No idea where to start? Perfect. That's literally what I'm here for.
Buying your first home
It doesn't have to be overwhelming.
Buying your first home feels massive — because it is. But the process isn't as scary as people make it sound. You just need someone to walk you through it step by step, tell you what's realistic, and handle the hard stuff.
That's what I do. On our first call, I'll figure out where you're at — what you earn, what you've saved, any debts. Then I'll tell you straight what you can borrow, what schemes you might qualify for, and what the next steps look like. No pressure, no jargon.
I've helped heaps of first home buyers get into their first place. Some with 5% deposits. Some using family guarantors. Some who thought they couldn't afford it yet — and were wrong. Let's have a chat and find out where you stand.
- ✓ First Home Guarantee (No LMI)
- ✓ Family Guarantor Loans
- ✓ 5% Deposit Options
- ✓ HECS Impact Assessment
- ✓ Pre-Approval
- ✓ Stamp Duty Concessions
Government schemes that save you thousands.
The First Home Guarantee lets you buy with just a 5% deposit — and skip LMI entirely. That can save you $10,000+ depending on your loan size. On top of that, most states offer a First Home Owner Grant (usually $10,000–$30,000 for new builds) and stamp duty concessions that reduce your upfront costs even further.
The eligibility rules are different for each scheme and each state. I'll check what you qualify for on our first call and handle the paperwork if you're eligible. No guesswork.
- ✓ First Home Guarantee
- ✓ First Home Owner Grant
- ✓ Stamp Duty Concessions
- ✓ Help to Buy Scheme
Don't have 20%? You've still got options.
Most people think you need a 20% deposit. You don't. Plenty of first home buyers get in with 5% — sometimes less. If you borrow more than 80%, you'll usually pay Lenders Mortgage Insurance (LMI), which protects the bank. It can cost a few thousand dollars and gets added to your loan.
But there are ways to avoid it. The First Home Guarantee wipes out LMI completely. A family guarantor can let you buy with zero deposit and no LMI. I'll map out every option and find the cheapest way to get you in.
- ✓ 5% Deposit Purchases
- ✓ LMI Explained
- ✓ Family Guarantor (Zero Deposit)
- ✓ Genuine Savings Guidance
How HECS affects what you can borrow.
HECS doesn't stop you from buying — but it does reduce how much lenders will give you. Your repayments come out of your pre-tax income, which means lenders assess you as earning less. The bigger your HECS balance and income, the bigger the hit to your borrowing power.
Here's the thing though — different lenders treat HECS differently. Some are stricter, some are more generous. I run the numbers across multiple lenders so we find the one that gives you the most capacity. I'll model it with and without your HECS so you know exactly where you stand.
- ✓ HECS Impact Modelling
- ✓ Lender Comparison
- ✓ Borrowing Capacity Maximisation
- ✓ Income Assessment
Simple process.
How it works
Three steps from "I have no idea what I'm doing" to keys in your hand.
Book a free 15-min chat
No prep needed. Tell me what you earn, what you've saved, and what kind of place you're looking at. I'll tell you what's possible.
I compare 30+ lenders
I find the best deal for first home buyers across 30+ lenders — including government scheme spots if you're eligible.
You choose — I handle everything
Pick the loan. I handle every piece of paperwork, deal with the lender, and keep you updated until you've got the keys.
Zero cost to you. Brokers are paid by the lender, not the client. My service is completely free.
Common questions.
First home buyer FAQs
As little as 5% in many cases. If you qualify for the First Home Guarantee, you won't pay LMI either. With a family guarantor, it's possible to buy with zero deposit. I'll work out the best path based on what you've got.
Lenders Mortgage Insurance protects the bank if you borrow more than 80% of the property value. It can cost thousands. You avoid it by having a 20% deposit, using the First Home Guarantee, or using a family guarantor. I'll find the cheapest option for your situation.
No — but it does reduce how much you can borrow. HECS repayments come out of your income, which lenders factor in. I'll run the numbers with and without your HECS so you know exactly where you stand. Some lenders are more generous than others.
It's a government scheme that lets you buy with a 5% deposit without paying LMI. The government guarantees the gap between your deposit and 20%. There are limited spots each year and eligibility criteria — I'll check if you qualify on our first call.
From first chat to keys in hand, it's usually 8-12 weeks. Pre-approval takes 1-3 days once your docs are in. Then it depends on finding a property and the settlement period. I'll give you a clear timeline so you know what to expect at every step.
Ready to get started?
Let's figure out what's possible. A quick chat is all it takes to know where you stand.
Or fill in below and I'll call you back same day.
Always on the Road
Based in a van — working with clients nationwide
Phone
Hours
7 days: 8am – 8pm AEST