First Home Buyer Specialists
Your first home is a milestone that deserves Clarity, Comfort, and Confidence.
We guide first home buyers through every step—from understanding your borrowing power to collecting your keys. Over $40,000 in potential savings for eligible buyers.
Grants & Savings Available
First home buyers can access significant grants and concessions. Here's what may be available to you.
First Home Owner Grant (FHOG)
Victorian government grant for first home buyers purchasing or building a new home valued up to $750,000.
Eligibility:
- Buying or building a new home
- Property value ≤ $750,000
- Australian citizen or PR
- Never owned property in Australia
First Home Buyer Duty Exemption
Full stamp duty exemption on properties valued up to $600,000. Partial concession up to $750,000.
Eligibility:
- Property value ≤ $750,000
- New or established home
- Must live in property 12+ months
- First home purchase
First Home Guarantee
Federal government scheme allowing eligible buyers to purchase with as little as 5% deposit without paying LMI.
Eligibility:
- Income cap applies
- Australian citizen
- First home purchase
- Limited places available
* Eligibility criteria and amounts are subject to change. We'll confirm your specific entitlements during consultation.
Your First Home Journey
We simplify the process and guide you through each step
Check Eligibility
We assess your eligibility for grants, exemptions, and government schemes to maximize your benefits.
Get Pre-Approved
Know your borrowing power before you start looking. Pre-approval gives you confidence and strengthens offers.
Find Your Property
Search with confidence knowing your budget. We can recommend local buyer advocates if needed.
Settle & Move In
We manage the loan process through to settlement. Then you get the keys to your first home!
What You'll Need
Financial Requirements
- Deposit: Minimum 5% (some schemes allow 2%)
- Stable income: Employment history matters
- Good credit history: No major defaults
- Additional funds: Costs beyond deposit (~5%)
Documents Needed
- Identification: Passport, driver's license
- Income proof: Payslips, tax returns, NOAs
- Bank statements: Last 3 months
- Asset evidence: Savings, super, investments
Our Process
From first chat to getting your keys, we guide you every step of the way
Initial Chat
Book a free call to discuss your goals and situation
Fact Find
Share your financial details so we can assess your options
Research
We search 30+ lenders to find the best loan for you
Recommendation
Review your options and choose the right loan
Application
We handle the paperwork and submit your application
Settlement
Loan approved, settlement completed - congratulations!
First Home Buyer FAQs
Can I use my super for a deposit?
Yes, through the First Home Super Saver Scheme (FHSS), you may be able to withdraw voluntary contributions (up to $50,000) from your super for your first home deposit.
What's the difference between FHOG for new vs established homes?
In Victoria, the $10,000 First Home Owner Grant only applies to new homes (newly built or substantially renovated). Established homes don't qualify for the grant but may still be eligible for stamp duty concessions.
Can my parents help with my deposit?
Yes! Parents can help as guarantors (using their property as security) or by gifting funds for your deposit. We can explain the different options and their implications.
I'm self-employed. Can I still buy?
Yes, though requirements differ. Most lenders want 2 years of tax returns showing consistent income. Some specialist lenders accept less history. Book a call to discuss your situation.
Ready to Buy Your First Home?
Book a free consultation to check your eligibility for grants and find out how much you can borrow.
J2C responds within 2 hours during business hours