Your first home, without the guesswork.
Deposit schemes, grants, stamp duty and pre-approval, explained in plain English. Anthony works out what you can borrow, which schemes you qualify for, and gets you ready to buy.
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Help you might not know you qualify for.
Federal and NSW programs can lower your deposit, your upfront costs, or both. Eligibility depends on your income, the property and where it is, so we check each one against your situation before you start looking.
Federal Home Guarantee Scheme
The government guarantees part of your loan, so eligible buyers can purchase with a smaller deposit.
NSW First Home Owner Grant
A one-off payment for eligible buyers purchasing or building a brand-new home.
NSW Stamp duty exemptions
Eligible first home buyers pay no stamp duty, or a reduced amount, depending on the purchase price.
Family Family guarantee
A parent uses equity in their home as security for part of your loan, with their exposure limited.
Eligibility rules, price caps and amounts change. We confirm the current rules for your situation.
Built around where you're starting from.
Every first home buyer starts somewhere different. These are the situations we help with most, and each one changes which lender and structure makes sense.
Saving a smaller deposit
You don't always need 20%. With the right lender or a government scheme, you may be able to buy with as little as 5% and reduce or avoid lenders mortgage insurance.
Pre-approval for auction day
Know your limit before Saturday. We arrange pre-approval with a lender whose valuation and policy suit the kind of property you're chasing.
Self-employed or casual income
Contract, casual, ABN or bonus-heavy income. Some lenders assess it far better than others, and we know which ones.
From first call to keys in hand
STEP 01 A 15-minute call
Your savings, your income and the kind of place you're after. No documents needed yet.
STEP 02 Your buying plan
Borrowing power, the schemes you qualify for, upfront costs and two or three lender options side by side.
STEP 03 Pre-approval
We prepare the application, lodge it and get you a pre-approval you can make offers and bid with.
STEP 04 Settlement and beyond
We handle formal approval through to settlement, then review your rate every year.
Know what you're getting before you commit.
Your first home loan is a big step, and not every lender or broker offers the same support. When you're comparing your options, check they cover everything you need.
First home buyer questions
Often less than people think. A 20% deposit avoids lenders mortgage insurance, but many buyers purchase with 5–10% using a government scheme, a guarantor or a lender that suits their profile. We'll show you the options and what each one costs.
Ready to buy your first home?
Fifteen minutes, no obligation. You'll leave the call knowing your borrowing power, the schemes you could use and your next step.
St Leonards NSW 2065
Anthony will be in touch personally within 24 hours