First Home Buyer
solutions.
Specialist programs for first-timers — grants, schemes, low-deposit options, and step-by-step guidance.
Built into every engagement.
What's included, what's negotiated for you, and the advantages that come from a panel of 50+ lenders rather than the limited shelf of a single bank.
What's included
Why work with us
Deep dive into first home buyer strategy.
Navigating The First Home Journey: Deposit Engineering & Government Grants
Stepping into the Australian property market for the first time is an exciting milestone, yet the path can seem overwhelming. With surging median prices and complex government schemes, success requires meticulous deposit engineering, clear budgeting, and a deep understanding of concession policies across federal and state levels.
PART 01Leveraging Government Guarantee Schemes to Bypass LMI
The federal government’s First Home Guarantee (FHG) is one of the most effective accelerators for first-home buyers. Typically, purchasing a home with less than a 20% deposit triggers Lenders Mortgage Insurance (LMI)—a costly fee designed to protect the lender, not the borrower, which can add upwards of $10,000 to $30,000 to your loan. Under the FHG, eligible buyers can secure a home loan with a deposit as low as 5% without paying a single dollar of LMI, with the government acting as the guarantor for the remaining 15%. Because places in this scheme are capped and lender allocations vary, we fast-track your eligibility checks and match you with active participating banks.
PART 02Maximising Stamp Duty Concessions and Federal Grants
Transaction costs can significantly deplete your purchasing budget if not budgeted for early. Fortunately, various state governments offer generous stamp duty exemptions and concessions for first-home buyers below specific price thresholds (for example, in NSW, full stamp duty exemptions apply up to $750,000, with partial concessions up to $1,000,000). Additionally, the First Home Owner Grant (FHOG) provides cash boosts when purchasing or building brand-new properties. We map out these state-specific thresholds alongside federal schemes to ensure you capitalise on every concession available, saving you tens of thousands of dollars in upfront cash requirements.
PART 03The Guarantor Option: Accessing the Bank of Mum and Dad Safely
For buyers struggling to save a deposit while paying rent, a guarantor home loan offers an elegant solution. A family member—typically a parent—can use the equity in their own home to secure a portion of your loan (usually up to 20% of the purchase price). This allows you to borrow up to 100% of the purchase price plus stamp duty costs, bypassing LMI completely. We structure these guarantor arrangements with absolute transparency and strict exit strategies. By setting clear targets to release the guarantor as soon as your property value rises or your loan principal decreases to 80% LVR, we protect your family’s assets while accelerating your entry into the property market.
"Saving a full 20% deposit is no longer the only way to buy a home. Layering government schemes and smart deposit structures saves years of renting."
First Home Specialist
Principal Advisory Team
- Lender policies change regularly; assessment parameters vary widely across institutions.
- Always ensure your borrowing structure aligns with long-term taxation advice.
- Pre-approvals are typically valid for 90 days, subject to property valuation.
From first call to settlement.
A consistent four-step rhythm. Honoured every time, regardless of complexity or loan size.
Discovery
A confidential call to understand your goals, position, and timeline.
Strategy
We canvas 50+ lenders to engineer the optimal structure for your situation.
Application
We handle paperwork, lender negotiations, and updates at every step.
Settlement
We guide you through to settlement and remain available for ongoing reviews.
Ready to start your first home buyer?
A confidential consultation, at no cost. We'll listen to your goals and outline the right path forward.