First Home Buyer Loans Made Easy – Get Started Today
Planning your first home purchase? First-home-loan.com.au brings together clear guides, tools and comparisons to help you understand your home loan options, assess mortgage rates and repayments, and move through the application process with more confidence.
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Understand Your First Homebuyer Loan Options
Unsure where to start with your first home loan, how much deposit you really need, or whether you qualify for government support? This site is designed to guide you through first homebuyer loan options, eligibility, and repayments in clear, practical language.
Explore step-by-step guides, simple tools, and expert tips tailored to first-time buyers across Australia. From comparing lenders to understanding the difference between a first home loan and a standard mortgage, you’ll find straightforward information to help you make confident decisions.
What Is a First Homebuyer Loan?
How it works: Learn how a first homebuyer loan is structured and how it compares with a standard mortgage.
Who it’s for: Understand first homebuyer eligibility, including income, savings, and property price ranges.
Low-deposit options: Find out when 5–10% deposit home loans may be available and what lenders look for.
Support along the way: See how brokers and lenders can help with paperwork, pre-approval, and settlement.
Wondering, “How much deposit do I need for my first home loan?” The answer depends on your lender, income, and whether you can access government schemes.
We break down typical deposit amounts, the impact of Lenders Mortgage Insurance, and how a low deposit home loan might work in your situation. Use our tools to estimate repayments, compare scenarios, and see how different deposit sizes affect your borrowing power.
Combine these insights with a savings plan so you can move from renting or living with parents into a place of your own sooner.
Confused about the First Home Loan Deposit Scheme, First Home Owner Grant (FHOG), or stamp duty concessions?
Overview of major first home loan government schemes available around Australia.
How stamp duty may be reduced or waived for first home buyers in some states and territories.
Key differences between grants, guarantees, and concessions, and how they interact with your loan.
Our detailed explainers in the articles section walk through eligibility rules, property caps, and application steps so you can make the most of available support.
Step-by-Step: From Enquiry to Settlement
Check your situation: Review your income, savings, and credit history, and use our tools to estimate borrowing capacity.
Compare first homebuyer loan options: Look at interest rates, fees, features, and government incentives.
Apply and finalise: Prepare documents, submit your application, and work through approval, contracts, and settlement.
Whether you are just starting to save or already attending open homes, having clear information about first home loans can reduce stress and help you avoid expensive mistakes.
Plan, Compare and Stay Informed
Use our tools and resources to understand repayments, track changes in interest rates, and stay up to date with property and lending news across Australia.
Budgeting and Deposit-Saving Tips
Simple strategies to grow your deposit while still enjoying everyday life.
How to prioritise debts, subscriptions, and expenses when buying your first home.
Ways to use budgeting tools and automatic transfers to stay on track.
Visit our calculators to test different savings timelines and repayment amounts so you can set a realistic home-buying goal.
Are You Eligible as a First Home Buyer?
Many people ask, “Am I eligible for a first homebuyer loan in Australia?” Eligibility can vary between lenders and schemes.
Understand how employment type (full-time, part-time, casual, contractor) can affect your application.
See how credit history and existing debts influence approval and interest rates.
Learn about minimum deposit requirements and property value caps for first-time buyers.
Use an online assessment via our quotes page to get a clearer picture of where you stand and what to improve before applying.
Learn from Experts and Other Buyers
Real stories and expert insights can help you feel more confident about your own first home journey.
Case studies from first-time buyers across different states and price ranges.
Interviews with mortgage brokers explaining current home loan trends.
News updates on interest rates, lending rules, and property market changes.
Explore the latest updates in our news hub and browse detailed guides in the articles library. To learn more about how this site works, visit the about page.
In a significant move to assist first-time homebuyers, the Australian government has expedited the commencement of the First Home Buyer Guarantee, now effective from October 2025. This initiative enables eligible individuals to purchase a property with as little as a 5% deposit, eliminating the need for Lenders Mortgage Insurance (LMI), which can often be a substantial financial burden. - read more
The Australian Prudential Regulation Authority (APRA) has announced a new measure to cap high debt-to-income (DTI) home loans, effective from February 2026. This decision aims to curb potential risks in the housing market by limiting the proportion of new home loans that exceed a DTI ratio of six times the borrower's income. - read more
The Commonwealth Bank of Australia (CBA), the nation's largest lender, has raised concerns over the current high demand for home loans, suggesting that such levels are unsustainable and could pose risks to long-term financial stability. - read more
For many Australians, purchasing a home is one of the biggest financial commitments they will undertake. As a first-time home buyer, navigating the financial landscape can be daunting. This is where government grants come into play, offering much-needed support and financial relief to those entering the property market for the first time. - read more
Buying your first home is an exciting milestone, marked by significant decisions that can impact your financial future. One of the most crucial decisions you'll face is selecting the right home loan. Understanding the different types of loans available is not just beneficial; it's essential for every first-time home buyer. - read more
Welcome! Embarking on the journey to homeownership is both exciting and daunting, especially for first-time buyers in Australia. One vital step in this process is understanding loan pre-approval and how it can shape your path to securing your dream home. - read more
Knowledgebase
Guarantor: A party who agrees to be responsible for the payment of another party's debts should the original party fail to pay or perform according to a contract.
