We'll get you into your first home — sooner.
Buying your first home is exciting, but it can also feel overwhelming. At Get Home Loan, we love helping first home buyers navigate every step — from understanding how much you can borrow, to accessing grants and concessions, to getting the keys on settlement day.
Expert Guidance for First Home Buyers
We understand that buying your first home involves a steep learning curve. There are schemes to understand, documents to gather, lenders to compare, and processes to navigate. Our job is to make all of that simple — explaining each step in plain English and doing the heavy lifting so you can focus on finding your home.
Get Home Loan's brokers are experienced across all major first home buyer programs in NSW and Australia-wide, ensuring you access every dollar you're entitled to.
First Home Buyer Schemes We Know
- First Home Owners Grant (FHOG) — up to $10,000 for new homes in NSW
- First Home Buyer Assistance Scheme — stamp duty concessions in NSW
- First Home Guarantee (FHLDS) — buy with as little as 5% deposit
- Regional First Home Buyer Guarantee — for eligible regional buyers
- Family Home Guarantee — for single parents with a 2% deposit
- Help to Buy Scheme — shared equity options
What You Need to Get Started
Don't worry if you don't have everything ready — we'll guide you. Generally you'll need: proof of income, identification, bank statements (3 months), details of savings/deposit, and information on any existing debts.
Your First Home Buyer Journey
Free Consultation
Tell us about your situation — income, savings, goals. We'll give you a clear picture of your borrowing capacity and what schemes you qualify for.
Grants & Schemes
We identify every grant and concession available to you in NSW, making sure you claim every entitlement before you apply.
Pre-Approval
We get you pre-approved so you can search and bid with confidence, knowing exactly what you can spend.
Settlement
We manage the loan through to settlement, keeping you informed at every stage. You collect your keys — we handle the rest.
How Much Deposit Do I Need?
Thanks to government schemes like the First Home Guarantee, eligible buyers can purchase with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI). For most standard loans, a 10–20% deposit is typical. We'll help you understand exactly what's achievable with your current savings.
If you're still saving, we can also advise on the fastest path to your deposit goal and what loan options will be available at different deposit levels.
Frequently Asked Questions
Got questions? We have answers.
Ready to get started?
Get in touch and an expert broker will be in contact within one business day.
Get in TouchOr email us: [email protected]