From 5% deposit schemes to the NSW First Home Owner Grant — we guide first home buyers through every step, every form, and every lender decision. No jargon. No overwhelm.
Buy with just 5% deposit — no Lenders Mortgage Insurance. Government guarantees up to 15% of the property value. Income and property price caps apply. 35,000 places per year nationally.
Single parents can buy with just 2% deposit — no LMI. Government guarantees the gap. 5,000 places nationally per year. Must be a natural or adopted parent with a dependent child.
$10,000 cash grant for new homes under $600,000 purchase price (or $750,000 total value). Must be a new build or substantially renovated home. Not available for established properties.
Full exemption on stamp duty for first home buyers purchasing up to $800,000 in NSW. Concessions available for properties $800K–$1M. Saves up to $30,000+ upfront.
A family member (usually parents) uses their property as additional security — allowing you to borrow with little or no deposit and avoid LMI entirely. No government scheme required.
Doctors, dentists, lawyers, and other eligible professionals can access LMI waivers up to 90–95% LVR regardless of first home buyer status. Ask John if your profession qualifies.
We assess your income, deposit, debts, and expenses to tell you exactly what you can borrow — before you fall in love with a property you can't afford.
We lodge a formal pre-approval so you can bid at auction or make offers with confidence. Most pre-approvals are conditional — we explain exactly what's conditional on what.
We handle the FHOG, First Home Guarantee, and stamp duty exemption paperwork — making sure you claim every benefit you're entitled to.
We manage the lender side of settlement, liaise with your solicitor/conveyancer, and ensure your loan funds on the day it's supposed to.
Book a free 30-minute consultation. We'll tell you exactly what you can borrow, which grants you qualify for, and what your next steps are.