First home buyers
First Home Buyer Loans in Sydney – grants, pre-approval, settlement.
Buying your first home means a string of decisions you've never had to make before. We walk you through each one — deposit, grants, borrowing power, what to offer — in plain English, from pre-approval to settlement day. Free service, 40+ lenders compared.
How it works
Your first home, step by step.
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01
Initial consultation
We assess your financial situation and work out your realistic borrowing capacity.
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02
Pre-approval
Conditional approval in place, so you can make offers with confidence.
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03
Property search
Look for the right home within your approved budget — no guesswork on what you can spend.
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04
Formal application
Once you've found the property, we submit your complete loan application and chase the lender.
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05
Settlement
We guide you through the final steps and track it through to the keys.
First home buyer benefits
The help you may be entitled to.
Government schemes change often and the eligibility rules are fiddly. We check what applies to your situation before you commit to anything.
Wondering where a first-home deposit goes furthest? Our Mount Druitt suburb report and Campbelltown property market report cover two of Sydney's more affordable entry points — and the free deposit cheatsheet shows what you'll actually need saved. Once you're saving, our KeyReady, our free budget app tracks your deposit and shows how lender-ready your numbers are — no signup, all on your device.
General information only — grants and concessions change. We'll confirm current eligibility rules with you before you rely on them.
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No obligation
Get personalised loan options.
Common questions
First home buyer FAQs.
What grants are available in NSW?
Grants and concessions vary by property type and price caps. We provide general guidance and direct you to the latest NSW Government resources. This is general information only.
How much deposit do I need?
Lenders typically prefer 20% but options exist with lower deposits, often with LMI. Suitability depends on your circumstances and lender policy.
How long does pre-approval take?
Simple applications may be assessed within 24–48 hours once documentation is complete. Timeframes vary by lender workload and complexity.
Take the next step
Twenty minutes. Straight answers.
Book a free call and walk away knowing your borrowing power, your options, and whether your current loan still stacks up — whatever you decide to do next.