First home buyers: What you need to know

Taking the first step towards owning your own home is both exciting and a little overwhelming. But the rewards are outstanding. Your local Mortgage Choice broker can take the stress out of the process of your first home loan with expert advice and support.

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First home owner grant

Find out what grants and concessions are available in each state.

FAQs for first home buyers

Answers to questions most commonly asked by first home buyers.

Find a local expert

Find a Mortgage Choice broker in your local area and start your journey with an expert.

First Home Buyer Super Saver Scheme

Find out here how you may be able to save money for a deposit through your super.

What does a broker do?

A mortgage broker can take the time and hassle out of shopping around for the right home loan, and guide you through the home buying process with expert advice.

Home buying advice

Find out more about the steps involved in securing a home loan and buying a home.


Win 2 years' worth of interest on us!^

Take out a home loan with us and you could win 24 months' worth of interest on us! What would you do with the savings? 

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

Download now


Are you eligible for a First Home Owner Grant?

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How a mortgage broker can help first home buyers

Explain the costs & process

Your broker can explain all the costs and steps involved in buying a home and give you a realistic picture of what you can borrow.

Help you get pre-approval

If you haven’t yet found the right home, your broker could help to organise pre-approval so you can shop for your new home with confidence, knowing exactly what you can afford.

Apply for incentives

In Australia, there are a number of government incentives available to first home buyers. We’ll let you know whether you’re eligible for assistance schemes such as the First Home Owners Grant (FHOG) and help with the paperwork.

Support you all the way to your first home

When you’re ready to move ahead with your first home loan, your broker will prepare all the paperwork and support you at every step to settlement.

Hear from our customers

As first home owners, the level of support, patience and availability to explain the process was excellent.

Dan & Heidi (First Home Buyer)

They did all the legwork for us when the time came to submit our loan, which meant that once we gave him our paperwork we didn’t have to worry about a thing!

Hilary Nanopoulos (First home buyer )
Melbourne, VIC

I’d definitely recommend Mortgage Choice. If I had known it would be this easy to arrange a home loan and buy a place of my own I would have done it years ago!

Andrew Ross (First home buyer)
Melbourne, VIC

Things can change quickly in the market.

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