Your first home
made achievable
Everything you need to know about buying your first home in Australia — from government grants and low-deposit options to expert tips and step‑by‑step guidance.
Low Deposit Options
Access loans with as little as 5% deposit through government schemes like the First Home Guarantee (formerly FHLDS).
Stamp Duty Concessions
Eligible first home buyers can save thousands with stamp duty exemptions or reductions depending on your state.
First Home Owner Grant
Up to $30,000 grant for new homes (varies by state). We’ll help you check eligibility and apply.
Free consultation
Understand your borrowing power, grants, and tailored loan options.
Pre‑approval
Get a conditional approval so you can shop with confidence.
Find your home
Work with your agent, make an offer, and we’ll handle the loan process.
Settlement
Finalise paperwork, receive your keys, and move into your first home.
| Scheme | Description | Max Benefit |
|---|---|---|
| First Home Owner Grant (FHOG) | For new homes (or substantially renovated) depending on state. | Up to $30,000 (e.g. VIC, QLD) |
| First Home Guarantee | Buy with 5% deposit, government guarantees up to 15% to avoid LMI. | No LMI saving |
| Stamp Duty Concession/Exemption | Reduced or zero stamp duty for properties under a threshold (varies by state). | Up to $30,000+ |
| First Home Super Saver Scheme | Save deposit inside super with tax advantages. | Tax savings on contributions |
Lenders Mortgage Insurance
If your deposit is under 20%, LMI may apply — but government schemes can help avoid it.
Legal & Conveyancing
Budget $1,500–$3,000 for solicitor/conveyancer fees.
Building & Pest Inspection
Essential for existing homes: $400–$800.