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First Home Buyer

Buy your first home with a clear budget.

Check your deposit, borrowing range and available first-home support before making an offer.

Start EnquiryCall 0416 071 084

Who it is for

This loan may suit:

  • 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

Process

What happens next

  1. 1
    Assess your readiness
  2. 2
    Check grants and concessions
  3. 3
    Get pre-approval

Questions about first home buyer

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.

Ready to start?

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