Buy your first home with confidence
A practical, WA‑friendly walkthrough on eligibility, grants & concessions, costs, and the exact steps to go from browsing to keys‑in‑hand.
Quick eligibility check
- You’re an Australian citizen or permanent resident (at least one applicant).
- You intend to live in the property as your principal place of residence.
- You haven’t owned residential property in Australia before (some exceptions apply).
- You meet lender credit criteria (income, liabilities, genuine savings, conduct).
Tip: Even if you’ve owned before, you may still access some concessions. We’ll confirm what you qualify for and model scenarios for you.
Up‑front & ongoing costs (typical)
- Deposit (usually 5–20% depending on product and LMI).
- Stamp duty & transfer fees (first‑home concessions may reduce these).
- Government & lender fees (application, settlement, titles, etc.).
- Building & pest inspection, valuation, conveyancing.
- Insurance (building/contents, mortgage protection optional).
We’ll produce a written cost estimate tailored to your purchase price and suburb before you make any commitments.
Grants & concessions (overview)
First‑home buyers may be eligible for a First Home Owner Grant (FHOG) on new builds and stamp duty concessions on eligible price brackets. Criteria, thresholds and property types change over time and by state.
- FHOG (new homes only, eligibility & amounts vary).
- First‑home stamp duty concessions (price caps & residence rules apply).
- Keystart & other low‑deposit pathways (subject to income limits & LVR caps).
Run the numbers
Explore what you could borrow, your repayments, and how extra repayments change your timeline.
Open calculatorsYour step‑by‑step path
We map your income, savings and liabilities, review your credit file and set a target budget with buffers.
We package your application with the right lender/product and obtain a pre‑approval so you can shop with confidence.
When you find the one, we help with offer conditions (finance, building/pest) and timelines.
The lender orders valuation. Once conditions are met, we lock in formal approval.
Conveyancer, insurance and final documents are coordinated. We double‑check your final figures.
Funds are drawn, title is transferred and you collect the keys. Then we set up post‑settlement support.
How Finvestor helps
- Compare lenders & products that suit first‑home buyers – beyond headline rates.
- Structure loans for flexibility (offsets, variable vs fixed, split loans, LMI strategies).
- Coordinate with your conveyancer, real estate agent and settlement team.
- Post‑settlement check‑ins: rate reviews, repricing, and strategy updates.
FAQs
Ready to start?
Book a friendly chat. We’ll confirm your eligibility, run the numbers and outline your next steps in plain English.
Prefer email? Contact us and we’ll respond quickly.