Expert guidance through every step of buying your first home in Australia. We compare 30+ lenders, navigate government grants, and speak your language. 中英双语全程服务，帮您找到最优利率。
As a first home buyer in Australia, you could save tens of thousands of dollars through government programs. We make sure you don't miss a single dollar.
A one-off cash payment from your state government to help first home buyers purchase or build a new home. Amount varies by state.
An Australian Government scheme allowing eligible buyers to purchase with just a 5% deposit — without paying Lenders Mortgage Insurance (LMI). The government guarantees up to 15% of the property value.
Most states offer stamp duty exemptions or discounts for first home buyers. This can save you $10,000–$30,000+ depending on the property price and state.
各州首次置业补贴对比 — Updated April 2026
| State | FHOG Amount | FHOG Cap (New Home) | Stamp Duty Exemption | Stamp Duty Concession |
|---|---|---|---|---|
| VIC | $10,000 | $750,000 | Up to $600,000 | $600,001 – $750,000 |
| NSW | $10,000 | $600,000 | Up to $800,000 | $800,001 – $1,000,000 |
| QLD | $30,000 | $750,000 | Up to $700,000 | $700,001 – $800,000 |
| SA | $15,000 | $650,000 | Up to $650,000 | N/A |
| WA | $10,000 | $750,000 | Up to $430,000 | $430,001 – $530,000 |
* Figures based on latest published state government policies. Caps and concessions may vary for established vs. new homes. We verify eligibility for your specific situation during consultation.
We handle the complexity so you can focus on finding the right home.
We assess your borrowing capacity, explain the grants you qualify for, and create a clear plan tailored to your budget and goals.
We prepare and submit your pre-approval application. Most clients are pre-approved within 48 hours — so you can bid with confidence.
With your budget confirmed, you search for properties knowing exactly what you can afford. We're available for questions every step of the way.
Once you find the one, we handle the formal application, liaise with your solicitor, and guide you through to settlement day. Welcome home.
A clear paid support program for first home buyers who want more than a free loan consultation.
First Home Compass is for buyers who want structured decision support before they buy, not just help submitting a loan. It combines personalised strategy sessions, practical checklists, and direct access to Steven so you can move forward with more clarity and fewer mistakes.
Most lenders require a minimum 5% deposit, though 20% avoids Lenders Mortgage Insurance (LMI). With the First Home Guarantee scheme, eligible buyers can purchase with just 5% deposit without paying LMI. For example, on a $600,000 home, that's $30,000 instead of $120,000. We help you work out the minimum deposit based on your situation and available grants.
The FHOG is a one-off cash payment from your state government to help first home buyers. It applies to new homes (not established properties in most states). The amount varies: VIC $10,000 (homes up to $750k), NSW $10,000 (up to $600k), QLD $30,000 (up to $750k), SA $15,000 (up to $650k), WA $10,000 (up to $750k). We check your eligibility and help you apply as part of the loan process.
The First Home Guarantee (formerly First Home Loan Deposit Scheme) is an Australian Government initiative. It allows eligible first home buyers to purchase a property with as little as 5% deposit without paying LMI. The government guarantees up to 15% of the property value. There are 35,000 places available each financial year. We check your eligibility and help you secure a place.
Most states offer stamp duty exemptions or concessions for first home buyers. In VIC, no stamp duty on properties up to $600,000 (concessions to $750k). In NSW, exempt up to $800,000 (concessions to $1M). QLD, exempt up to $700,000. SA, exempt up to $650,000. WA, exempt up to $430,000. This can save you $15,000–$30,000+. We calculate the exact saving for your purchase during our consultation.
Yes. Several lenders accept 5% deposits for first home buyers. You'll typically need to pay LMI unless you qualify for the First Home Guarantee scheme. We compare options across 30+ lenders to find the best deal for low-deposit buyers — including lenders with competitive LMI-inclusive rates.
Typical timeline: Pre-approval in 24–48 hours, then it depends on how quickly you find a property. Once you have a signed contract, formal approval usually takes 3–5 business days, and settlement is typically 30–90 days after exchange. In total, many of our first home buyer clients go from first call to keys in 3–6 months.
Our standard mortgage broking service is completely free to you — we're paid by the lender when your loan settles, and we always disclose this upfront. First Home Compass is a separate optional premium support program for buyers who want more structure, decision support, and hands-on guidance beyond standard broking. The current founding client price is $899, with a standard price of $1,099.
Book a free 30-minute call. We'll assess your borrowing power, check your grant eligibility, and create a clear plan — no obligation.