First home buyers
Your First Home, Sooner Than You Think
With the right scheme and lender, many first buyers can get in with a 5% deposit, pay no LMI and save on stamp duty. We work out what you qualify for, then set the loan up so the home can become an investment later.
What it really costs
How Much Cash You Need, With and Without the Schemes
Without schemes · 20% deposit$202,779
With schemes · 5% deposit$50,695
DepositStamp dutyLMI
The difference is often years of saving. Move the sliders to see your own numbers.
Upfront cost estimateNSW · Established home
Deposit$42,500
Stamp duty$8,195Saves $24,584
Lenders mortgage insurance$0Waived · saves ~$28,263
Cash needed$50,695
Schemes could save$52,847
First home buyer schemes
The Schemes Most First Buyers Leave on the Table
Several can be combined. We check each one against your income, price range and property type.
FederalFirst Home GuaranteeBuy with a 5% deposit and no lenders mortgage insurance. The government guarantees the rest.Minimum deposit, no LMI
NSWStamp Duty ExemptionNo transfer duty on homes up to $800,000, with a concession up to $1 million.Duty up to $800k
NSWFirst Home Owner GrantA one-off grant for newly built homes or house-and-land packages under the price cap.New homes only
FederalSuper Saver SchemeSave part of your deposit inside super at a concessional tax rate, then withdraw it to buy.Max voluntary savings
Our approach
Your First Home Is Often Your First Investment
Two common paths. We structure either one so it doesn’t limit what you buy next.
Live in it
You move in and use the schemes. We set it up so turning it into a rental later is simple.✓Offset account to hold savings, not redraw
✓Loan split ready for a future investment
✓Lender chosen for future borrowing power
Rentvest
Rent where you want to live, and buy your first property where the numbers work.✓Rental income boosts borrowing capacity
✓Interest may be tax-deductible
✓Note: first home schemes usually require you to live in it
The process
From Saving to Keys, Step by Step
Strategy callYour income, savings and timeline, plus the schemes you’re likely eligible for.
Pre-approvalBorrowing capacity confirmed with the right lender, so you can bid with confidence.
Find & buyHelp with contract review timing, valuations and scheme paperwork.
Settle & reviewWe manage settlement, then review the loan yearly as your plans change.
Under the First Home Guarantee, eligible buyers can purchase with a 5% deposit and no lenders mortgage insurance. Without it, most lenders want 20% to avoid LMI, though some accept 5–10% with LMI added.