Buy Your First Home
With Confidence

Step into the market with confidence

4.99%variable Rate*

5.25%Comparison Rate*

Why Getting Into Your
First Home Matters

Build wealth sooner, save on costs, and finally own your space.

Become a First Home Buyer

Every mortgage repayment builds your equity not your landlord’s.
Over time, property values can rise and grow your long-term wealth.
Enjoy stability knowing your home is yours, not a temporary lease.
Every mortgage repayment builds your equity not your landlord’s.

Plan For The Future
Early On

Get into the market sooner to take advantage of capital growth potential.
Every mortgage repayment builds your equity not your landlord’s.
Use your first home as a stepping stone toward an investment portfolio.
Create long-term security with a property that grows as you grow.

Access Government
Incentives

Boost your borrowing power with the First Home Super Saver Scheme.
Save thousands with Stamp Duty concessions* (state based eligibility)
Every mortgage repayment builds your equity not your landlord’s.
Use construction and building incentives to customise your dream home.

Do I Qualify as a First
Home Buyer?

You don’t need to be on a massive income to be a first home
buyer – but there are some key boxes most people need to tick.
You Haven’t Owned Property
You must not have owned any residential property in Australia in your own name
You’ll live in the property
You must live in the property as your principal place of residence for a minimum of 12 months
Age & residency
Usually an Australian citizen or permanent resident, and over the age of 18
Income & employment
You need a stable income to comfortably support repayments under the lender’s assessment rate.
The Property Itself
The scheme has maximum property values, (vary by state) and whether the property is new or existing.
Credit and liabilities
Major defaults can make things harder but not always impossible.
Keep track of your liabilities well!
(Qualifying is easier than most people think!)
IMPORTANT TO KNOW!

How Much Do I Really
Need Saved?

Most first-home buyers are surprised when they realise the
deposit isn’t just a simple percentage of the purchase price.
Take 5 minutes to read this super helpful article.
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Our First-Home
Lending Partners

We compare banks so you don’t have to.

Enter The Market With
Confidence

Most Australians enter the lending world blind – and honestly the banks love it. We created this Ultimate Guide to fix that. Here’s what you’ll get inside:
25 must-know lending, property & finance terms
Simple, practical explanations you can use instantly
No jargon. No fluff. Just clarity
walk into your home loan confident, informed and impossible to push around

How Much Money Can I
Borrow For My First Home

Use our famous borrowing power calculator below to estimate how
much loan you can obtain for your first home.
No pressure. No credit hit. Big potential reward.
STILL GOT QUESTIONS?

Answer to your questions

Am I eligible to apply for a home loan with Loanity?

Eligibility depends on your situation, but most Australians qualify if they have a stable income, a good credit history, and meet basic lending requirements. We’ll assess your borrowing power, deposit size, income type (PAYG or self-employed), and overall financial position to help you understand exactly where you stand. Find out about your elidgibility through a free consultation session.

Stop guessing. Stop
waiting. Start owning

You’re closer to your first home than you think, but
you just need a plan and someone who knows the
process inside-out.