Buying your first home is easier when finance is prepared before property search momentum starts.
First-home workflow
- Borrowing comfort range and affordability guardrails.
- Document readiness and lender shortlist.
- Pre-approval strategy and timeline planning.
- Property search with clear finance boundaries.
- Formal approval and settlement execution.
First-home buyer cost guides
Use the supporting guides before you set a purchase ceiling:
- How much deposit do you need to buy a house in Sydney? for 5%, 10%, and 20% deposit planning.
- NSW first home buyer stamp duty guide for exemption, concession, and residence-rule checks.
- First home buyer schemes NSW for 5% Deposit Scheme, FHSS, grant, and family-support comparison.
What to avoid
- Searching properties before testing monthly repayment comfort.
- Ignoring transaction costs such as duty and legal fees.
- Choosing a lender without policy-fit checks.
Practical next step
Review first home buyer loan support, compare the broader home loan support page, run the borrowing power calculator, and reach out through contact for a direct plan.