Your first home starts with the right advice
Navigate grants, stamp duty exemptions, and low-deposit options with a broker who's helped first home buyers all across Sydney's Eastern Suburbs.
Financial support available to you
Australian Government 5% Deposit Scheme
Buy with just a 5% deposit and avoid full Lenders Mortgage Insurance. This federal scheme can be a game-changer if you haven't saved a large deposit yet.
Stamp Duty Exemptions
First home buyers in NSW can claim a full stamp duty exemption on properties up to $800,000 or concessional rates up to $1 million, potentially saving you thousands.
First Home Owner Grant (FHOG)
A $10,000 First Home Owner Grant (FHOG) is available when you buy or build your first newly built home. We'll confirm your eligibility.
Lenders Mortgage Insurance (LMI)
Borrowing more than 80%? LMI is a one-off cost that protects the lender. Premiums vary with deposit size, but the Australian Government 5% Deposit Scheme can eliminate it entirely.
Not sure which grants you qualify for? We'll work it out for you.
Check My EligibilityBuy with just 5% deposit, no LMI
The Government acts as guarantor for up to 15% of the property value, bridging the gap between your 5% deposit and the 20% lenders require to waive Lenders Mortgage Insurance.
October 2025 Changes
- Unlimited places, no more annual caps
- No income caps, removed entirely
- Sydney price cap raised to $1,500,000
- LMI waived, saving $20,000–$40,000+
- Can combine with FHOG and stamp duty concessions
Eligibility Requirements
- Australian citizen or permanent resident
- First home buyer (or no property in last 10 years)
- Minimum 5% deposit saved
- Property under $1.5M (Sydney)
- Must be your principal place of residence
A 5% deposit on a $1.2M property is $60,000, versus $240,000 at 20%.
Check My EligibilityYour first home journey
Understand Your Budget
We assess your finances, explore grants and schemes, and confirm how much you can borrow to buy your first home.
Get Pre-Approved
Show sellers you're serious with pre-approval. You'll know your budget and can search the market with confidence.
Buy with Confidence
Find your home, finalise your loan, and let us handle the paperwork. We guide you through settlement to your keys.
First home buyer essentials
Deposit Options
5% through the Australian Government 5% Deposit Scheme, 10% with LMI, or 20% to avoid insurance entirely. We'll calculate the true cost of each option so you can decide what works best.
Rate Types Explained
Variable rates give flexibility with respect to repayment, redraw and/or early repayment of the loan. Fixed rates lock in certainty for 1–5 years. Split loans combine both. We'll recommend what suits your situation and risk comfort.
Hidden Costs to Watch
Conveyancing, building inspections, strata reports, and moving costs. First home costs add up beyond the deposit. We'll map out everything so there are no surprises.
Pre-Approval Timeline
Pre-approval typically takes 2–5 business days and is generally valid for 90 days. It gives you a clear budget and shows sellers you're ready to move.
First home buyer FAQs
The main grant is the Australian Government 5% Deposit Scheme, which lets you buy with 5% deposit. We'll determine what you qualify for to maximise your benefits.
As little as 5% through the Australian Government 5% Deposit Scheme. Without the scheme, 10% is common (with LMI), and 20% avoids insurance altogether. We'll compare the true cost of each deposit level so you can make an informed decision.
First home buyers can claim a full exemption on properties up to $800,000, or concessional rates up to $1 million. This can save you thousands. We'll calculate your exact stamp duty and ensure you claim everything available.
LMI is a one-off premium if you're borrowing more than 80% of the property value. It protects the lender, not you. Costs vary with deposit size. Smaller deposits mean higher premiums. The Australian Government 5% Deposit Scheme can eliminate LMI entirely.
No. Going direct limits you to one bank's products. As your broker, we search 30+ lenders to find the best rate and features for your situation. Many first home buyers save thousands by not staying with their existing bank.
Your first home starts here
Book a free call with Shane and let's explore your options.