First Home Buyer

That’s often the biggest question for first home buyers. We’re here to support you at every stage, beginning with the Mortgage Ready Program to guide you through the planning process. 

We help answer:

• Do I qualify for a loan?
• What’s my maximum purchase price?
• What types of properties can I afford?
• When do I pay the deposit and what happens before settlement?
• How do I review and plan a safety net?

Unlike going directly to a bank where you’re often treated as just a number, we treat every client as a valued individual. We provide clear answers through face-to-face video meetings, detailed emails, written guides, and timely phone calls, so you always feel supported.

With over 30 years’ experience, we’ve built a proud track record of protecting our clients’ financial interests, including avoiding costly risks like losing a 10% deposit. Sometimes our advice may be to adjust your budget or wait until you’re ready, but our priority is always to help you buy with confidence.

• Obligation-free consultation: We’ll get to know you, ask questions, and provide tailored preliminary advice. No pressure and no decisions required on the spot.

• Mortgage Ready: Our program helps prepare you with everything you need to secure your mortgage with confidence. 

• Written advice: Every recommendation is backed up in writing so you can make informed decisions with confidence.

• Pre-approval: We’ll arrange a home loan pre-approval so you’re ready to negotiate.

• Property research: Using CoreLogic Property Reports, we provide detailed property insights to save you time and avoid surprises.

• With you every step: From negotiations to settlement (what we call “keys day”), we’ll be by your side so you’re never left in the dark.

• Ongoing Support: Even after you’ve moved in, we’ll continue to support you with our Mortgage Minimiser Program, ensuring you always stay competitive in the market. 

The First Home Owners Grant (FHOG) is a national scheme administered by each state or territory. It may include:

• A one-off, tax-free payment
• Discounts or reductions on property transfer fees
• Other incentives, depending on where you buy
   

Eligibility criteria also varies, but typically includes:

• At least one applicant must be an Australian citizen or permanent resident
• Applicants must be aged 18 or over
• You must live in the property as your home for at least 6 months within the first 12 months of settlement
   

We’ll also explain the incentives you may be eligible for during your consultation, so you don’t miss out on valuable savings.