Home loans for first home buyers
Access the 5% Deposit Scheme, Help to Buy, the First Home Owner Grant and stamp duty savings. Your Sydney first home buyer mortgage broker. 35+ lenders, $0 cost.
Buying your first home starts with knowing your numbers. We check your borrowing power across 35+ lenders, work out which schemes you qualify for, and get you pre-approved so you can search with confidence.
The 5% Deposit Scheme lets you buy with 5% and no LMI, and Help to Buy can need as little as 2%. First home buyers in NSW pay no stamp duty up to a set price, and the First Home Owner Grant puts cash towards a brand new home. A guarantor loan can also be explored. Some schemes can be stacked. Read the full first home buyers journey.
With the 5% Deposit Scheme you skip LMI and buy sooner. Here is what a 5% deposit looks like against a full 20% deposit at different Sydney price points.
| Property value | 20% deposit | 5% deposit | LMI you avoid |
|---|---|---|---|
| $800,000 | $160,000 | $40,000 | ~$34,000 |
| $1,000,000 | $200,000 | $50,000 | ~$44,000 |
| $1,200,000 | $240,000 | $60,000 | ~$53,000 |
| $1,500,000 | $300,000 | $75,000 | ~$66,000 |
Estimates only. LMI varies by lender, insurer, and your profile. The 5% Deposit Scheme covers Sydney purchases up to $1,500,000. Use our property deposit calculator for your numbers, or book a free consultation and we will work out your exact deposit and savings.
Most first home buyers qualify for at least one form of help, and several can be stacked. The right mix comes down to your deposit, the home you want, and whether you are buying new or established.
Most schemes are closed to you, but a guarantor loan or a 20% deposit still gets you there. Ask us and we will check where you stand.
Not every buyer knows how many schemes exist, or that several can be stacked. Here are the big ones.
Real first home buyers, and what we did for them.
Our founder spent 8+ years inside a major bank approving and declining loans. He knows what gets a yes. Your application gets built to be approved at the highest amount.
Real answers to the questions first home buyers ask us every day.
We compare 35+ lenders, check every scheme you qualify for, push for a sharper rate, and get you pre-approved fast. $0 cost.
MFAA member. 10+ years lending experience.
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First home buyer loan Sydney specialists helping buyers across 220+ suburbs and Australia wide. Meet our team. Service regions: Sydney CBD, Sydney Central, Eastern Suburbs, Northern Beaches, North Shore, Inner West, Sutherland Shire, Hills District, St George, Canterbury-Bankstown, Western Sydney, Penrith.
