First Home Buyers

Buying your first home can feel overwhelming, especially with government schemes, stamp duty concessions, deposits and lender rules to navigate. Our role is to make the process simple, clear and stress‑free. With access to over 70 lenders and a team experienced in first‑home buyer lending, we help you understand your options, maximise available grants and structure your loan so you can buy sooner.

What support is available for first‑home buyers?

There are several government incentives that you may be able to access to reduce your upfront costs and help you enter the market sooner.

Federal Government Schemes

• Australian Government 5% Deposit Scheme (Old FHBG) - Eligible buyers can purchase with a 5% deposit plus upfront costs such as stamp duty and avoid paying Lenders Mortgage Insurance.
• Australian Government Regional 5% Deposit Scheme (Old RFHBG) - Supports eligible regional buyers to enter the market sooner with a 5% deposit plus upfront costs and no LMI.
• Australian Government Family Home Deposit Scheme - Single parents and single legal guardians can buy with a 2% deposit plus upfront costs and avoid LMI.- Help to Buy (Shared Equity Scheme) - Eligible buyers may receive a government contribution of up to 40% for new homes or 30% for existing homes, reducing the loan size, repayments and deposit required.
• First Home Super Saver Scheme (FHSSS) - Allows eligible buyers to withdraw up to $50,000 of voluntary super contributions to boost their first‑home deposit, often helping them save faster thanks to concessional tax treatment.

Queensland Stamp Duty Concessions

- Full exemption for eligible first‑home buyers purchasing an established home up to $700,000.
- Discounted stamp duty for established homes valued between $700,000 and $800,000.
- Full exemption for eligible first‑home buyers purchasing vacant land.

Queensland First Home Owner Grant (FHOG)

• $30,000 grant for eligible first‑home buyers purchasing or building a brand‑new home in Queensland where foundations are laid between 20 November 2023 and 30 June 2026 (both dates inclusive).
• Can be used toward your upfront costs or to help reduce the funds required to complete.

How this affects your upfront costs

Government schemes reduce the deposityou need, while Queensland concessions reduce or remove stamp duty. Grants and shared‑equity options can further reduce the cash required to buy or lower your loan size. Because the rules can be confusing, we help you confirm eligibility, calculate your upfront costs and structure your loan so you can take full advantage of the benefits available. This includes helping you understand which pathway best suits your budget and borrowing capacity.

What lenders look for

To qualify for a first‑home loan, lenders assess:

• Income and employment stability

• Existing debts and expenses

• Savings history

• Credit score

• Property type and location

• Eligibility for government schemes

We guide you through each requirement so you know exactly where you stand.

1. Understanding Your Borrowing Capacity

We calculate how much you can borrow and what your repayments would look like.

2. Confirm your deposit pathway

We assess whether you qualify for a 2% or 5% scheme, or whether a standard deposit is better.

3. Calculate stamp duty and upfront costs

We apply state concessions and federal schemes to show your true upfront costs.

4. Compare lenders

We review 70 lenders to find competitive rates, flexible features and first‑home‑friendly policies.

5. Secure pre‑approval

This gives you confidence when making offers and bidding at auctions.

6. Final approval and settlement

We manage the entire process, liaising with the lender, solicitor and agent.

7. Ongoing support

We continue to review your loan to ensure it remains competitive as your circumstances evolve.