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Your first home, without the confusion.

Grants, schemes, stamp duty exemptions, deposits, pre-approvals, there's a lot thrown at first home buyers. We guide you through every step, in plain English. We don’t charge broker fees. Lender and third-party fees may apply.

Your complete financial situation will need to be assessed before acceptance of any proposal or product. Lender criteria, terms, fees and charges apply.

Get StartedCall 0426 299 702
First Home Buyers

From 'where do we start?' to settlement day.

Buying your first home is exciting, and overwhelming. Most first home buyers don't know what they don't know: which government schemes they qualify for, how much deposit they really need, what lenders look for, or what happens after an offer is accepted. That's exactly the gap we fill.

Government assistance may be available to eligible buyers. NSW grants and transfer duty concessions have separate requirements, and federal schemes also have eligibility rules. We help you identify what to check before relying on assistance.

Then we do what brokers do best: compare our lender panel for the loan that fits your deposit, income and plans, prepare your application properly, and stay beside you from pre-approval through to picking up the keys.

Why it works

Why first home buyers work with us

Assistance, Explained

Eligibility rules change and schemes have caps and conditions. We keep across the detail and help you check which options may apply to your circumstances.

Borrow With Confidence

We help estimate a budget and discuss conditional pre-approval. Pre-approval is not final approval; property, valuation and other conditions still apply.

A Human Through It All

First-timers get our most patient service: every step, every document, every piece of jargon explained. You'll never wonder what's happening with your application.

Run the numbers

NSW stamp duty calculator

Estimate your transfer duty, and what the First Home Buyers Assistance Scheme could save you.

Planning tool only. Any pre-filled figures are hypothetical assumptions, not advertised lender rates, quotes or offers. Change the inputs to reflect your circumstances. Results exclude costs described below.

Estimated transfer duty
$0
First home buyer saving
$27,937
Full exemption, no transfer duty.

Estimates for NSW residential property contracts from 1 July 2026 to 30 June 2027. First home buyer concessions apply only if eligible, for new or existing homes, not vacant land. Excludes foreign purchaser surcharges, registration and transfer fees. Confirm your circumstances and current figures with Revenue NSW. General information only.

Common questions

First Home Buyers FAQs

How much deposit do I need as a first home buyer?
Deposit requirements vary by lender and product. Eligible buyers may qualify for government-supported options through participating lenders. Price limits, occupancy and other conditions apply. We review your savings, costs and eligibility before discussing a path forward.
Do I pay stamp duty as a first home buyer in NSW?
Under the First Home Buyers Assistance Scheme, eligible buyers pay no transfer duty on new or existing homes up to $800,000, and a concessional amount between $800,000 and $1,000,000. You must move in within 12 months and live there for a continuous period, among other conditions.
What is lenders mortgage insurance (LMI)?
LMI is insurance that protects the lender (not you) when you borrow more than 80% of a property's value. It can cost thousands, but it's also what makes low-deposit buying possible. Government guarantee schemes, family guarantees, or profession-based waivers can avoid it, we'll check every avenue before you pay it.
Can my parents help without giving me cash?
Possibly, many lenders accept a family security guarantee, where parents use equity in their own home to top up your security, removing the need for LMI and sometimes the deposit hurdle entirely. It needs to be structured carefully, and we'll explain the risks and obligations to everyone involved.
How long does it take to get pre-approved?
Once we have your documents, pre-approval typically takes anywhere from a couple of days to two weeks depending on the lender. We'll prepare your application so it's right the first time, most delays come from incomplete paperwork, which is exactly what we prevent.

Take the first step toward your first home.

A 15-minute chat will tell you what you qualify for and what your budget really is. No pressure, no jargon.

Get StartedCall 0426 299 702
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Your information is kept confidential and used only to respond to your enquiry, as described in our Privacy policy. Daniel Toukan, Credit Representative Number 577748, is authorised under Australian Credit Licence 384324 held by Outsource Financial Pty Ltd.

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