Buy your first home with absolute confidence

Step into the market with confidence

4.99%Variable rate*

5.04%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.
Fixed or variable repayment structures give you more financial control.
Enjoy stability knowing your home is yours, not a temporary lease.

Plan for the future from right now

Get into the market sooner to take advantage of capital growth potential.
Build a financial foundation that supports future upgrades or investments.
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

Take advantage of First Home Guarantee with as little as 5% deposit.
Save thousands with Stamp Duty concessions* (state based eligibility)
Boost your borrowing power with the First Home Super Saver Scheme.
Use construction and building incentives to customise your dream home.

Do I qualify as a first home buyer?

These are the key boxes that you need to tick to be a first home buyer.
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You don’t own property
You must not have owned any residential property in Australia under your name.
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You’ll live in the property
You must live in the property as your principal place of residence for a minimum of 12 months.
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Age & residency
Must be Australian citizen or permanent resident, and over the age of 18.
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Income & employment
You need a stable income to comfortably support repayments under the lender’s assessment rate.
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The property price itself
The scheme has maximum property values, which vary by state & if the property is newly built or established.
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Credit and liabilities
Major defaults can make things harder but not always impossible.
Keep close track of your liabilities!
(Qualifying is easier than most people think!)

Our first home buyer
lending partners

We compare banks so you don’t have to.
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Enter The Market With Confidence

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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:
Hidden “ghost fees” exposed and eliminated
Strategic blueprints to cut years off your debt
No jargon. No fluff. Just clarity
Walk into your home loan, confident, and impossible to push around. Let us help you kickstart your journey.

How much money can I borrow for my first home?

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Use our famous borrowing power calculator below to estimate how
much money you can borrow
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No pressure. No credit hit. Big potential reward.
Still got questions?

Answer to your questions

How much deposit do I actually need to buy my first home?

You don’t need 20% to get your foot in the door. While 20% helps you avoid Lenders Mortgage Insurance (LMI), many of our clients start with as little as 5% (or even 2% for eligible clients). By leveraging the First Home Guarantee (FHBG), we can often help you bypass LMI entirely, saving you thousands upfront and getting you into your home years sooner.

Stop waiting.
Start owning.

Your first home is within reach…you just need the right plan and an expert guide.