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Home Buying Made Simple
Buying your first home is exciting — but it can also feel overwhelming. With so many decisions to make, from choosing the right property to understanding what you can afford, we’re here to guide you every step of the way. Speak with our mortgage experts today and move forward with confidence.
Identify your eligibility for government first home buyer schemes and grants.
Help you understand your borrowing capacity
Fast home loan pre-approval
Provide ongoing support throughout your home-buying journey, from search to settlement
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The Australian Governments 5% Deposit Scheme
The Australian Government 5% Deposit Scheme helps you buy sooner and saves you thousands in upfront fees.
Key Features and Benefits
Minimum 5% Deposit
Enter the property market years sooner than saving a full 20%.
No Lenders Mortgage Insurance (LMI)
Save a massive amount on upfront purchase costs.
No Income Caps
The scheme is accessible to all eligible first home buyers, regardless of income.
Wide Choice of Properties
Includes new and existing houses, units, house & land packages, and off-the-plan homes (within price caps).
How Do I Qualify?
You’ll need to meet the following criteria to be eligible for the Governments 5% Deposit Scheme.
Have saved a minimum deposit of 5% (and less than 20%).
Must be an Australian Citizen or Permanent Resident (aged 18+).
Must be a first home buyer or not have owned property in Australia in the last 10 years.
Must intend to live in the purchased property as an owner-occupier.
The purchase price of your property must be at or below the maximum price cap for your location.
Property Price Caps
Source- Housing Australia
Meet Lisa
First Home Buyer
We Helped Her Buy Her First Home with Just a 5% Deposit and No Stamp Duty!
Buying your first home can be really tough, especially with skyrocketing property prices and all the paperwork involved. But Lisa’s story shows how it’s possible to make it work with the right help and some government support. Here’s how we helped her secure her first Sydney apartment with only a 5% deposit and zero stamp duty:
Lisa’s Home Buying Journey:
Lisa had her heart set on a $750,000 apartment and had saved up $70,000. Feeling a bit overwhelmed, she came to us for help. After reviewing her finances, we found two fantastic government programs that made a huge difference.
Program 1: Federal Home Guarantee Scheme
First, we helped Lisa secure a spot in the Federal Home Guarantee Scheme.This program is a game-changer because it lets buyers put down just 5% and avoid the Lenders Mortgage Insurance (LMI). Normally, LMI in her situation would have cost around $30,637.50.
Program 2: NSW First Home Buyers Assistance Scheme
Next, we applied for the NSW First Home Buyers Assistance Scheme, which meant Lisa got a full stamp duty exemption. Normally, stamp duty would’ve cost her about $28,279, but thanks to this program, she didn’t pay a cent!
If you’re thinking about buying your first home and feeling a bit stuck, get in touch. Our team of expert advisers will help you navigate your options and find the best path to home ownership.
9 Steps to Buying Your First Home
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