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FIRST HOME BUYERS

Get in to your first home with as little as 2-5% deposit:

Housing Australia (https://www.housingaustralia.gov.au/ ) administers the Home Guarantee Scheme which currently offers three options:

 

  • Family Home Guarantee – Minimum deposit required of 2 %. For eligible single parents with at least 1 dependent child.

  • Regional First Home Guarantee – Minimum deposit required of 5%. You must have resided in a regional area for the preceding 12 months and will be purchasing in a regional area.

  • First Home Guarantee - Minimum deposit required of 5%.

 

There are property price caps ($900,000 in Sydney and $750,000 in ACT) and eligibility criteria such as total income for singles up to $125,000 and joint applications up to $200,000. Not all lenders are participating in the scheme so chat to a broker to find out more.

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In addition to this, eligible first home buyers can also receive a full exemption for stamp duty in most states for an owner occupied home: https://www.revenue.nsw.gov.au/grants-schemes/first-home-buyer/assistance-scheme

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Genuine Savings: Some lenders allow you to show rental payments in lieu of genuine savings as they understand that it is very hard to save for a deposit when you are paying rent (which may be equivalent to the amount of your new home loan repayments).

Suburban House
Tire Swing

OUTGROWN YOUR FIRST HOME

Time to upsize and not sure where to start?

 If you’ve outgrown your current home, you’re not alone—upsizing could be the perfect next step. Whether you're expanding your family, needing more space to work from home, changing locations, or simply ready for something new, we’re here to help you make it happen with clarity and confidence.

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We’ll start by assessing your current position: how much equity you’ve built, what your borrowing power looks like, and what options are available based on your goals and timeline.

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Not sure whether to buy first or sell first? We can walk you through the pros and cons of each—and if timing is tight, we’ll help you explore options including a simultaneous settlement to avoid bridging finance or look at retaining your first property as an investment. 

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With access to a wide range of lenders, deep market knowledge, and experience in helping clients through life’s bigger moves, we’ll tailor a strategy that fits your needs—not just the numbers.

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Your next home is closer than you think.


Book a free consultation today, and let’s take the stress out of upsizing.

ACCESSING YOUR EQUITY 

Make your home work for you

Whether you're renovating, investing, consolidating debt, or planning for the future, unlocking the equity in your home can be a powerful financial tool. Here’s how it works—and how we can help.

Home equity is the difference between your property’s current market value and the remaining balance on your home loan.
Example:

  • Property value: $800,000

  • Home loan balance: $500,000

  • Your equity: $300,000

Refinancing with your current or a new lender can allow you to release equity as a lump sum—and possibly secure a better interest rate in the process.
Best for: Larger equity releases or when reviewing your loan terms.

You may be able to "top up" your existing mortgage and borrow additional funds without changing lenders.
Best for: Quick access to funds without the need to refinance.

Your equity could be the key to your next big move—let’s find out what’s possible.

Solar-Powered Home
Framing

CONSTRUCTION LOANS

Finance for a brand new home

Generally speaking construction loans require a fixed price contract from a builder and DA approval. The loan will then be drawn down in stages inline with the contract, eg. first stage may be slab or foundations. The bank's appointed valuer will inspect the completed work and authorize release of the funds to pay the builder and on it goes until completion. Construction loans are usually up to 2 years interest free, or until the build is completed, when it then converts to principal and interest repayments.

Many of the incentives for first home buyers can be used in conjunction with a construction loan meaning you could get a brand new home built for you with no stamp duty payable!

The $10,000 First Home Owner Grant is available for newly built or substantially renovated homes: https://www.revenue.nsw.gov.au/grants-schemes/first-home-buyer/first-home-owner-new-homes-grant

Lenders have difference criteria for owner-builders and are usually restricted to being a licensed builder or a 60% loan-to-value ratio.

Get in touch for more information to see if this is the right solution for you.

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