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Over the years we have developed a satisfied and loyal first home buyer customer base. Most of them are continuing do business with our company for their other burrowing and financial needs. We provide our service to you, as a first home buyer, throughout the process, which will include assisting you with your application for the First Home Owner's Grant (FHOG).

  • We promise to serve our first home buyers, by providing them the following, and much more.
  • Burrowing up to 97%
  • Providing optimal lending opportunities for people who have saved up to 3 % of the property value You can borrow up to 97% of the value of the property and most lenders do require genuine savings therefore we recommend that you save at least 3% of the purchase cost which avails you of a greater range of mortgage product options.
  • Obtaining FHOG, and up to $ 24,000 savings as stamp duty in some states in Australia.You may be eligible for the First Home Owners Grant (FHOG) and in some states, stamp duty exemption, which could save you up to $24,000.To be eligible for the FHOG you must be an Australian citizen or permanent resident and you (and your spouse or partner) must not have previously owned a home in Australia.If you are eligible for the FHOG we will be able to assist you in applying for the grant.
  • Supporting with First home buyers Family Pledge.This refers to the fringe benefits involved in buying your first home from parents or grandparents.
  • A family pledge is a limited guarantee mortgage over property usually given by the First Home Buyers parents or grandparents which represents a 20% deposit in the purchase of your home. The advantages to you of a family pledge are
  • No money required to complete the purchase. The purchase price plus all costs can be included in the loan amount
  • No genuine savings required
  • FHOG can be used for any purpose.
  • Avoid substantial loan mortgage insurance costs which could save you up to 3% of the loan amount

There are a number of costs you need to consider when calculating the amount of money you need to complete the purchase of a home.

  • Government Fees - including stamp duty on transfer and on the mortgage if first homeowners are not exempt in your state.
  • Legal Fees - including conveyance and property search fees.
  • Property related costs - including council and water rates and in the case of a unit purchase you will have strata fees.
  • You may also have to allow for other costs such as building and pest inspections.

The LMI fee applies only when you borrow more than 80% of the property's value (on a full documentation loan), this covers the lender if for some reason you cannot repay your loan and the property is sold for less than the amount of the loan. LMI can be added to your loan amount for up to 100% of the property value.


Prior to settlement of your loan you will need to provide evidence that the property you are purchasing is suitably insured. In the case of a unit purchase this will usually be insurance taken out by the Strata Plan

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