First Home Guarantee
- Buy with as little as 5% deposit
- No LMI if eligible
- Limited places available each year
First Home Owner Grant
- One-off grant for eligible buyers
- Amount varies by state
- Usually applies to new homes or builds
Stamp Duty Concessions
- Lower upfront buying costs
- Savings vary by state and purchase price
- Eligibility rules apply
First Home Super Saver
- Use eligible voluntary super contributions toward your deposit
- Can help you save tax-effectively
- Rules and limits apply
See What You Could Borrow
Understand your borrowing options based on your situation.
loans settled
3,200+ reviews
their first home
for every client
This isn’t a bank. We work for you.
Banks can only offer their own products. We compare 40+ lenders and recommend what fits your situation.
you may qualify for
First Home Guarantee, First Home Owner Grant, stamp duty concessions, First Home Super Saver Scheme — many buyers may be eligible for more than one, and don’t realise it.
beyond your own bank
Some lenders may suit your situation better than the bank you already use. We compare options, explain the differences, and help you choose with confidence.
paperwork from start to finish
From application forms to supporting documents and lender follow-ups, we manage the loan process so you can focus on the property.
the truth early
If something may affect your approval, we’ll tell you upfront. That way, you can make decisions with clarity before you put in an offer
Get An Estimate Of What You Could Borrow
This is a useful starting point. For a more accurate estimate, speak with a broker.
Your estimated borrowing range:
$480,000 – $620,000
Estimates vary by lender, credit history and employment type.
This is a guide only. Your actual borrowing limit may be different.
What our clients say
“We didn’t think we had enough saved. Turns out we qualified for the First Home Guarantee and only needed 5%. We moved in four months after our first call.”
“I was buying alone with a HECS debt and about $45k saved. I assumed I’d be waiting another two years. The broker found two lenders willing to work with my situation.”
“I’d tried my own bank and got knocked back. Home Loan Experts found a lender who understood contract work. Six weeks from first call to settlement.”
What Happens After You Submit
Four simple steps. No guesswork.
Tell us about your situation
You answer a few quick questions so we can understand where you stand and what you may need.
Speak to a specialist broker
Usually within one business day, a broker reviews your details and gives you a call. Not a call centre — a specialist who understands first home buyer scenarios.
Get your real options
We explain what you may be able to borrow, which schemes may apply, and which lenders may suit your situation.
Move forward with support
If you decide to go ahead, we manage the paperwork, deal with the lender, and guide you through the application from start to finish.
Questions First Home Buyers Ask Us All The Time
Do I need a 20% deposit?
No. Some buyers may be able to purchase with a much smaller deposit. For example, eligible buyers may use the First Home Guarantee to buy with as little as 5% deposit without paying LMI.
What is the First Home Guarantee?
It’s a federal scheme that may allow eligible first home buyers to purchase with a 5% deposit without paying LMI. Places are limited, and eligibility rules apply.
How much can I borrow?
That depends on your income, living expenses, employment type, existing debts, credit history, and lender policy. Our calculator gives you a guide, but a broker can give you a more accurate answer.
Is there any cost to use a broker?
Most first home buyers do not pay us a fee. In most cases, we’re paid by the lender if your loan settles.
What’s the First Home Owner Grant?
It’s a one-off grant offered by state governments to eligible buyers, usually when buying or building a new home. The amount and rules vary by state.
What if I’m not ready to buy yet?
That’s completely fine. Many of the most useful conversations happen before someone is ready. Knowing what you may be able to borrow and what support may be available can help you plan the next 6–12 months with more confidence.
You’ve done the research. Now get a real answer.
A first home buyer specialist will tell you what you can borrow, which
schemes apply, and what your next step looks like.
One call. No cost. No obligation.
Or call us: 1300 889 743 · Mon–Fri 8am–7pm · Sat 9am–5pm AEST