Our Services

First Home Buyer Loans

Your first home, made simpler.

✓ No fee in most cases|✓ 30+ lender panel|✓ Investment & Bridging specialists|✓ NSW · QLD · VIC · Australia-wide|✓ Legally obliged to act in your best interests

How We Can Help

First Home Buyer Loans with LoanBuddy

Buying your first home is exciting — and a little overwhelming. We cut through the complexity, explain every step in plain English, and help you make the most of every grant and scheme available to you. If an immediate family member is in a position to help, a guarantor loan could let you buy sooner without needing a full 20% deposit.

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Quick Enquiry

Enquire about First Home Buyer Loans

First Home Buyer Loans

What we can help you with

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First Home Owner Grant

Up to $10,000 for eligible new home purchases in NSW.

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First Home Guarantee

Buy with as little as 5% deposit with no LMI (limited places).

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Stamp Duty Exemptions

Full or partial exemptions for eligible first home buyers in NSW.

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Savings Plan Guidance

We help you set realistic targets for your deposit and costs.

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Guarantor Loans

An immediate family member can use their equity to help you get in the market sooner.

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30+ Lender Comparisons

We find the right loan — not just the easiest to approve.

Common Scenarios

Common first home buyer situations

Every first home buyer's situation is a little different. Here are the most common scenarios we help with.

Buying a Brand New Home or Off-the-Plan

New builds and off-the-plan purchases may unlock additional grants and stamp duty concessions that established properties don't. We walk you through which government schemes apply to your purchase and make sure you're claiming everything you're entitled to.

Buying With a Small Deposit

If you have a 5% deposit saved, the First Home Guarantee may let you buy without paying LMI. Alternatively, if an immediate family member is willing to help, a guarantor loan can let you purchase with even less saved — without them needing to hand over cash. We explain both options clearly so you can choose what suits your situation.

Buying as a Couple or With a Partner

When two buyers are on the contract, both typically need to meet first home buyer eligibility criteria for full concessions to apply. We check this before submission and structure the application to make the most of your combined income and borrowing power.

FAQ

Common questions about first home buyer loans

In NSW, eligible first home buyers purchasing a new home valued up to $600,000 may receive a $10,000 grant. We confirm your eligibility before you apply.

Eligible buyers can purchase with a 5% deposit without paying LMI. Places are limited each financial year — we'll check availability and whether you qualify.

In NSW, first home buyers purchasing homes up to $800,000 pay no stamp duty. Homes between $800,000 and $1,000,000 receive a partial concession. We calculate the exact saving for your purchase.

In Sydney metro areas the cap is $900,000 for the current financial year. Caps vary by region. We confirm the exact limits that apply to your property before you commit.

Yes, provided all buyers meet the eligibility criteria. If one buyer has previously owned property, concessions may not apply to that buyer's share. We check eligibility carefully before anything is submitted.

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