Grants, guarantee schemes, and low-deposit loans can shave years off saving for a deposit — if you know which ones you're eligible for and how they interact with each other.
A one-off payment from your state government for eligible buyers purchasing or building a new home. Eligibility and amounts vary by state, and we'll check what applies to your situation before you apply.
A federal scheme that lets eligible buyers purchase with as little as 5% deposit without paying Lenders Mortgage Insurance, subject to place availability and property price caps.
Many states offer reduced or waived stamp duty for first home buyers under a certain purchase price — often the single biggest saving available at settlement.
A family member can use equity in their own property to help cover part of your deposit, potentially avoiding LMI without you needing the full 20% saved.
Grants and guarantees have income caps, property price caps, and residency requirements that vary by state.
Knowing your borrowing power before you start inspecting properties keeps your search realistic.
Stamp duty, conveyancing, building inspections, and moving costs typically add several thousand dollars beyond the deposit.
We package your application to reflect the full picture lenders want to see, reducing back-and-forth requests.
We'll check the grants and schemes available in your state in one short call.
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