Buying Your First Home Is Not As Complicated As You Think
In collaboration with the first home buyer specialists at Finance Square, you can focus on the joy of buying your first home without the stress behind paperwork and loan applications. We turn “How will this process work out for me?” into a clear plan, built around your deposit, your income and your timeline. Not a generic rate table.
Take this 30 second quiz to get a jump-start at your loan application profiling.
No credit check required. No obligation, no judgement.
What You Actually Get When You Work With Us
Not just a loan. A plan you understand, from your first question to the day you get your keys.
- First home buying process explained: We explain the First Home process, stamp duty concessions and Lenders Mortgage Insurance the way we’d explain them to our own family. No jargon, no assumptions about what you already know.
- A strategy built for you: We look at your actual deposit, income and situation, not a generic calculator, so you know what’s realistically possible before you fall in love with a property.
- Your dedicated first home buyer mortgage expert: You’ll deal with the same broker from your first message to settlement day. No re-explaining your situation to someone new every time you call.
- A timeline that fits you: Buying in three months or three years? We’ll tell you what to do now, whichever it is.
Want to meet your strategic lending partner face-to-face before any quiz? Book a 15-minute call instead.
Does this fit right for you?
This is probably a good fit if you…
- Are buying your first home in Australia, alone, with a partner, or with help from family
- Have some deposit saved, even if it’s nowhere near 20%
- Feel like you’ve read a lot online but still aren’t sure how it applies to you
- Want a plan, not just a rate quote
It might not be the right page for you if…
- You haven’t started saving anything yet and just want to know where to begin, we can still help, book a call and we’ll set you a plan
- You’re buying an investment property, not your first home, see our Finance Square Group property investor page instead
You’re Not Behind. You’re Just Getting Started.
If you’ve spent the last few months reading everything you can find about buying your first home, and still don’t feel confident, that’s normal. Most first home buyers we talk to are more informed than they realise. What’s usually missing isn’t information. It’s someone to tell them how it applies to their situation.
A few things worth hearing plainly: you don’t need a 20% deposit to get started. Government schemes exist specifically to help first home buyers get in sooner.
Whether you’re doing this on your own, with a partner, or with family helping out, we’re happy to walk everyone through it together.
Get Your Finance Square Score in Under 30 seconds
Answer a few quick questions about your deposit, income and timeline. We’ll tell you where you actually stand, and what to do next. No cost, no obligation.
Get My Finance Square ScoreYour answers stay private. We use them to give you an honest picture, not to add you to a sales list.
Your First Home, Step by Step
Buying your first home has a lot of moving parts. Here’s how we make sure nothing gets missed.
Get your Finance Square Score
A quick read on your deposit, income and timeline.
Harmless Strategy call
We walk through which schemes and loan structures actually apply to you.
Pre-approval
Know your real budget before you start inspecting properties.
House-hunt with a number you trust
Search with confidence, not guesswork.
Formal approval and contract review
We check the details before you’re locked in.
Settlement
We stay involved until you’ve got the keys in your hand.
Government Help for First Home Buyers, Explained Simply
There’s genuine help available. The tricky part is knowing what you actually qualify for. Here’s the short version.
- First Home Policies - Buy with as little as a 5% deposit and skip Lenders Mortgage Insurance entirely, backed by the government. Income caps and yearly place limits were recently removed, so more buyers now qualify than in previous years. Property price caps still apply and vary by location.
- Help to Buy: A shared equity scheme where the government co-owns part of your home, which can lower your deposit to as little as 2%. Income and property price caps apply, and places are limited each year.
- Stamp duty concessions: Most states and territories offer a full or partial stamp duty exemption for first home buyers, though thresholds differ everywhere. We’ll check exactly what applies where you’re buying.
- First Home Super Saver Scheme: You may be able to use voluntary super contributions to build your deposit faster, with some tax advantages. We’ll tell you if it’s worth it for your situation.
correct as at August 2026
Not sure what you qualify for? Book a strategy call and we’ll map it out for you.
Meet Priya, Founder of Finance Square
Priya Dey founded Finance Square on a simple idea: the people banks find hardest to assess are often the people who need the clearest guidance. First home buyers are a big part of that.
I don’t see a first home buyer as just another loan application. This is one of the biggest financial decisions of their life, and I want them to feel clear, confident and genuinely looked after, the way I’d want my own family to be.
Ready to talk it through? Book a strategy call with the team.
Why First Home Buyers Choose Finance Square
Finance Square isn’t a rate comparison site, and we don’t push you toward whichever lender happens to pay us the most. We’re a strategy-first team. That means we look at your whole situation first, then find the loan and government scheme combination that actually fits it. For a first home buyer, that difference can mean getting in sooner, borrowing the right amount, or avoiding a structure you’d regret in two years.
Australian mortgage brokers
Straightforward advice, not a sales pitch
We work around your job, not just business hours
Ready to Find Out Where You Stand?
It takes 30 seconds, and it might be the most useful 30 seconds of your home-buying search so far.