First-Home Buyer Loans
First-home buyer loan guidance covering deposits, pre-approval, purchase costs, LMI and current government scheme eligibility across Australia.
A first-home budget needs to include more than the deposit and monthly repayment. We help you map purchase costs, conditional pre-approval, contract timing and any current first-home buyer measures that may be relevant before you commit to a property.
Who this may suit
- People buying their first owner-occupied home in Australia
- Buyers building a deposit and testing a realistic purchase budget
- Applicants checking potentially relevant first-home buyer measures
- Buyers preparing to bid at auction or sign a purchase contract
How we can assist
- Deposit, transfer duty, conveyancing, inspection and settlement-cost planning
- Borrowing-capacity assessment and conditional pre-approval preparation
- Checking current scheme and lender eligibility requirements
- Planning the steps from initial assessment through valuation and settlement
What we assess
- Income, employment, living expenses and existing commitments
- Available contribution, genuine savings and the source of deposit funds
- Target price, property location and any applicable price limits
- Contract conditions, auction timing and settlement dates
Documents commonly required
- Identification and residency or visa evidence
- Payslips, employment details or other income evidence
- Savings history and evidence of deposit funds
- Property or contract details when available
Start with the facts that shape lender policy
We normally begin with your objective, timing, income type, available contribution, current debts and the property or project. That is usually enough to identify the main policy questions before collecting detailed documents.
The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not personal financial, tax, legal or credit advice. Please obtain appropriate professional advice before acting.
Request a preliminary assessment
Submit a short, non-sensitive enquiry so we can identify the main policy questions before detailed documents are requested.