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.

I'm looking to

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.

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?

Help me work out... Calculators

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

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

The help our broker provided was amazing. I don’t know how many times we asked the same questions but he never made us feel like any questions were silly. He even took the time to explain our home loan to our parents. I have already recommended Mortgage Choice to my friends - I am just so happy with the way things turned out for us.

Ashleigh Dodds (First home buyer)
Melbourne, VIC

Prior to booking my first appointment with Mortgage Choice I knew entirely nothing about home loans and the housing market. My broker provided me with the knowledge, expertise and guidance to feel comfortable enough to take the plunge and buy my first home. I am very happy with the package that I ended up choosing and would return to Mortgage Choice again.

Gabriel Sciannimanica (First home buyer)

Things can change quickly in the market.

Subscribe and stay informed with news, rates and industry insights.