Smart Buyer Hub
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First home buyers

Your first home. Without the confusion.

Navigating grants, schemes and deposit requirements can be overwhelming. We turn the complex process into a simple, step-by-step plan.

Check my eligibility

Happy first home buyers with keys
We make it easy

Buying your first home is tough. We make it simple.

  • ✓The confusion: we explain the jargon and map a clear path from saving to settlement.
  • ✓The deposit: think you need 20%? We help you access schemes to buy with as little as 5%.
  • ✓The speed: we get your pre-approval sorted quickly so you don't miss out.
Start your plan
Your roadmap to owning

Five steps, handled.

1

Chat & assess

We review your income and savings to see how much you can borrow.

2

Pre-approval

We secure a 'green light' so you can hunt with confidence.

3

House hunt

You find the home. We can provide property reports to help you value it.

4

Formal approval

Once your offer is accepted, we finalise the loan with the bank.

5

Settlement

Funds are transferred, and you get the keys to your first home!

Free money & government support

Most first home buyers miss out. You won't.

National scheme

First Home Guarantee

The federal government guarantees part of your loan so you don't pay LMI.

  • ✓ 5% deposit for standard buyers
  • ✓ 2% for single parents (Family Home Guarantee)
  • ✓ Save approx. $15k–$30k in fees
State benefit

First Home Owner Grant

A one-off cash grant for buying or building a brand-new home. Amount varies by state.

  • ✓ $10,000 cash (NSW/VIC/WA)
  • ✓ $15,000–$30,000 (QLD)
  • ✓ Strictly for new builds
Tax savings

Stamp Duty Concessions

States often waive or reduce stamp duty for first home buyers up to certain price caps.

  • ✓ Full exemption for lower-priced homes
  • ✓ Partial discount for mid-range homes
  • ✓ Can save you $20k+ upfront
Family help

Guarantor Loans

The "Bank of Mum & Dad." Use family equity as security to buy with little or no deposit.

  • ✓ Buy with small or no deposit
  • ✓ Avoid paying LMI fees
  • ✓ Get into the market years sooner
Read more →
Frequently asked

"Do I really need a 20% deposit?"

The most common myth in real estate. The answer is no — here are three ways in.

1 · The gold standard

20% deposit + costs

The safest route. No LMI and the lowest rates. Great if you have the savings, but hard to achieve quickly.

2 · The accelerator

5–10% deposit + LMI

A one-off insurance fee (LMI) to the lender. Costs a bit more, but gets you in years earlier.

3 · The hack

5% deposit + govt scheme

With the First Home Guarantee you pay 5% and the government guarantees the rest — early entry AND zero LMI.

What is the First Home Guarantee?
A federal scheme where the government guarantees part of your loan so eligible buyers can purchase with a 5% deposit and avoid LMI — potentially saving $15,000–$30,000. Single parents may access the Family Home Guarantee with a 2% deposit.
Can I still get the First Home Owner Grant?
Yes, for buying or building a brand-new home. The amount varies by state (around $10,000 in NSW, VIC and WA) and is generally limited to new builds.
Do first home buyers pay stamp duty?
States often waive or reduce stamp duty for first home buyers up to certain price caps — a full exemption for lower-priced homes and a partial discount for mid-range homes, saving $20,000+ upfront.

Check my eligibility