Service
First Home Buyer Loans — from deposit to keys
Buying your first home in Sydney or regional NSW involves more than a loan: deposits, lenders mortgage insurance, the First Home Guarantee, grants and stamp duty concessions all change what you can afford. We map it out and get you pre-approved with confidence.
What you get
A smarter path to your first home buyers
- Compare suitable lenders. We assess rates, fees, policy and features across a wide lender panel.
- Structure around your goals. Your recommendation considers cashflow, flexibility and the next financial move.
- Director-led from start to finish. Eric applies 26+ years of banking and finance experience to every application.
First Home Buyers — common questions
- How much deposit does a first home buyer need?
- As little as 5% with the First Home Guarantee, or from 5–10% with lenders mortgage insurance. A 20% deposit avoids LMI entirely.
- Do first home buyers pay stamp duty in NSW?
- Eligible first home buyers can receive an exemption or concession up to state thresholds. We confirm current eligibility for your purchase price and situation.
- How do I get pre-approved as a first home buyer?
- We assess income, expenses and deposit, choose the lender whose policy suits you best, and lodge for pre-approval — usually within a few business days.
Not sure which loan fits? Compare our best finance options guide or run the numbers with our finance calculators.