First Home Buyer
Check your deposit, borrowing range and available first-home support before making an offer.
Who it is for
Process
We review your deposit savings, income, debts, and borrowing capacity to see where you stand.
We check which first-home buyer grants, stamp duty concessions, and guarantee schemes apply to you.
We submit your application to a lender that suits your deposit size, income, and property type.
You enter the market knowing your budget and having finance sorted.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Conventional loan with 20% deposit | Buyers who have saved a substantial deposit and want to avoid LMI | Requires a larger upfront savings commitment |
| Loan with LMI (5-19% deposit) | Buyers close to 20% who want to enter the market sooner | LMI adds to your costs but can be capitalised into the loan |
| Family guarantee loan | Buyers whose family can use their property equity as additional security | The guarantor takes on real financial liability that needs careful planning |
Ideally 20% to avoid Lenders Mortgage Insurance. But many lenders accept deposits as low as 5%, and first-home buyer schemes can sometimes help bridge the gap.
It depends on your situation, the property value, and whether it's a new or existing home. We check all applicable NSW and federal schemes for you.
Yes. Pre-approval tells you your real budget and shows sellers you're a serious buyer. It saves time and prevents disappointment.
Yes. We structure joint applications and explain how combined borrowing power works, as well as the legal arrangements you should consider.
