I’m self-employed
If your income is more complex, we can look at options designed for business owners and self-employed borrowers.
I want a lower deposit option
Need a solution that works with a smaller deposit? We can help explore flexible lending pathways.
My trust or company owns the property
Buying or refinancing through a trust or company? We can help navigate more specialised lending structures.
I need something more tailored
From unique property types to more complex scenarios, we help borrowers find lending solutions that fit.
Complex lending made simple
Flexible lending for self-employed borrowers, lower deposits, trusts and complex needs.
Low Deposit
Shave years off the usual time it would take to save, with a low deposit of 2-5%.
No LMI
No Lenders Mortgage Insurance means you could save thousands of dollars.
Awesome Rates Variable and Fixed
Benefit from interest rates normally reserved for deposits of 20% or more.
What if you don’t qualify?
You could still buy without LMI by having a family guarantor or saving a 20% deposit."
See What You Can Afford – Try Our Free Calculators
Use our suite of popular mortgage & home loan calculators to work your borrowing capacity, home loan repayments & stamp duty cost
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First Home Owner Grant (FHOG)
New South Wales
Grant (New Homes)
$10,000 for new homes up to $600k; house+land up to $750k
Stamp Duty Exemptions
Full exemption under $800k; concessional rates between $800k–$1M
Other Key Schemes (2025)
Shared equity “Home Buyer Helper” allowing purchases with 2% deposit via government equity share
Queensland
$30,000 (until mid-2025) for new homes under $750k
Full exemption under $700k; concession up to $800k
Boost to Buy” shared equity: Govt holds up to 30% (new) or 25% (existing) homes up to $1M; 2% deposit; high income caps—singles $150k, couples $225k; stamp duty abolished for new homes/vacant land
Victoria
$10,000 for new homes up to $750k
Full exemption under $600k; concession between $600k–$750k
Home Guarantee Scheme, FHSSS, Homebuyer Fund shared equity scheme
South Australia
$15,000 for new homes—no property value cap
Full stamp duty exemption on new builds
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Western Australia
$10,000 for new home purchases/builds
Exemption under $450k; concession between $430k–$600k (region dependent)
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Tasmania
$30,000 for new homes (extended to June 2025)
50% stamp duty discount for established homes under $600k
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Northern Territory
$50,000 for new homes (until 30 Sep 2026); $10,000 for established homes (until 30 Sep 2025)
Some duty concessions for new homes
BuildBonus and HomeBuild Access programs
Australian Capital Territory
No FHOG since 2019
Stamp duty waivers depending on income and dependents; full duty exemption for eligible buyers on homes up to $1M
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FAQ's
How much deposit do I need as a first home buyer?
Traditionally, lenders require a 20% deposit to avoid paying Lenders Mortgage Insurance (LMI). However, many lenders accept as little as 5–10% with LMI. With the new 5% Deposit Scheme starting October 2025, eligible first home buyers can purchase with just a 5% deposit without paying LMI, as the government acts as guarantor.
What is the new 5% Deposit Scheme and how does it work?
Do I need pre-approval before I start looking for a home?
What additional costs should I budget for as a first home buyer?
Why should I use a mortgage broker as a first home buyer?
