0451 414 800 Book Call

First Home Buyer Loan Sydney

First home buyer loans planned before you make an offer

Check borrowing power, deposit, stamp duty, grants, guarantor support, lender fit, and pre-approval before the property search gets serious.

Start your enquiry Call 0451 414 800
  • First home buyer loan options compared across 30+ lenders
  • Deposit, grant, stamp duty, and guarantor pathways checked early
  • Borrowing range and lender fit mapped before you start house hunting
  • 5.0 Google rating
  • 11 Google reviews
  • 30+ lenders compared
  • Phone-first support

Best for

Where this fits.

  • Sydney buyers searching for a first home buyer loan before making offers
  • Savers with a deposit ready who need the right lender match
  • Buyers with a smaller deposit who need guidance on LMI, guarantees, and government schemes

How it moves

What happens next.

  1. 1
    Assess your readiness

    We review your deposit savings, income, debts, and borrowing capacity to see where you stand.

  2. 2
    Check grants and concessions

    We check which first-home buyer grants, stamp duty concessions, and guarantee schemes apply to you.

  3. 3
    Get pre-approval

    We submit your application to a lender that suits your deposit size, income, and property type.

Keep moving

Most visitors need one of these next.

Calculator Estimate borrowing power.

Get a rough range before you inspect or offer.

 Guide Read the first-home guide.

Understand deposit, grants, documents, and lender fit.

 Fast path Start a first-home enquiry.

Map range, deposit, and next documents with a broker.

FAQ

Quick answers.

How much deposit do I actually need?

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.

What grants am I eligible for?

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.

Should I get pre-approval before looking at properties?

Yes. Pre-approval tells you your real budget and shows sellers you're a serious buyer. It saves time and prevents disappointment.

Can I buy with a partner or friend?

Yes. We structure joint applications and explain how combined borrowing power works, as well as the legal arrangements you should consider.

Start enquiry

Tell us the scenario. We will map the next step.

One enquiry. Human direction. No duplicated paperwork before the fit is clear.

Start Enquiry
Open WhatsApp chat