Service Pathway

First Home Buyer Loans

If you are buying your first home in Brisbane or Queensland, your starting point is eligibility, for the First Home Owner Grant (currently up to $30,000 for eligible new builds, subject to QLD Revenue Office conditions), stamp duty concessions, and the federal First Home Guarantee. We map your deposit, income, and purchase type against current government and lender policy in one conversation, so you know exactly where you stand before committing to anything.

Queensland offers the First Home Owner Grant, stamp duty concessions on eligible new builds, and the First Home Guarantee for eligible buyers. Amounts, eligibility rules, and deadlines are set by government and change over time. We check what currently applies against real lender policy before you sign anything.

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Who this is for

• First home buyers needing clarity on deposit, LMI, and grants
• Families upgrading from renting to ownership
• Buyers wanting plain-English guidance without bank runaround
• Borrowers exploring the First Home Guarantee (FHBG) or Family Home Guarantee
• Parents acting as guarantors for a child's first purchase

Urgency CTA

Need this solved fast?

We can map your likely pathway quickly once we have the key details. Do not wait until a deadline forces a bad decision.

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Common lending obstacles

Deposit shortfall and Lenders Mortgage Insurance (LMI) impact on borrowing power

Confusion about the First Home Owner Grant, stamp duty concessions, and FHBG eligibility

Pre-approvals that expire before the right property appears

Casual or probationary income not being weighted correctly by the bank

HECS/HELP, BNPL, and credit card limits eating into serviceability

Talk Through My Scenario

Our step-by-step approach

Step 1

Borrowing power and grant check

We model your true borrowing capacity across multiple lenders and confirm eligibility for the First Home Guarantee, FHOG, and Queensland stamp duty concessions.

Step 2

Deposit and structure plan

We compare low deposit, LMI-included, guarantor, and savings-bridge pathways so you know the trade-offs in plain English before you commit.

Step 3

Pre-approval with the right lender

We secure a pre-approval with a lender whose policy actually fits your income, deposit source, and timeline, not just whoever advertises the lowest rate.

Step 4

Offer, contract, and settlement support

We coordinate with your solicitor, building and pest inspector, and the lender so the contract-to-settlement window stays on track.

Check My First Home Eligibility

Frequently asked questions

Can I buy with less than a 20% deposit?

Often yes. We map options including 5% deposit pathways via the First Home Guarantee, LMI-included loans, and guarantor structures where suitable.

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Do I qualify for the First Home Owner Grant in Queensland?

If you are buying or building a new home under the QLD threshold, you may qualify for the $30,000 grant. We check eligibility and coordinate the application with your lender.

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Will my HECS-HELP debt stop me getting approved?

Not on its own. HECS reduces your assessed take-home income, but different lenders treat it differently. We match your scenario to a lender whose serviceability calculator gives you the best outcome.

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Do you handle lender negotiations and paperwork?

Yes. We compare practical pathways, lodge the application, and manage lender communication from pre-approval all the way to settlement.

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Ready to move on your first home buyer loans?

Two-minute assessment. We come back with a real lender-fit pathway, not a generic rate list.

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