First Home Buyers Loans

While the interest rate is a key factor, it is only one part of the journey. In 2026, proper loan structuring and utilizing government incentives can save you significantly more than a slightly lower rate ever could.

First Home Buyer Grants & Schemes

Federal and State governments provide substantial incentives to help you enter the market sooner. You can often combine several of these to slash your upfront costs.

View full state-by-state breakdown:
First Home Buyer Grants, Discounts & Schemes

Key Opportunities in 2026:

• Home Guarantee Scheme: Purchase with a 5% deposit and avoid LMI.
• First Home Owner Grant: Cash payments from $10k to $50k (New homes).
• Stamp Duty Relief: Full exemptions or heavy discounts in most states.
• Shared Equity: Lower your repayments via government co-investment.
• First Home Super Saver: Build your deposit faster using tax-effective super.

Your Deposit Options

The 20% deposit is no longer the standard requirement. We explore several pathways to home ownership:

Costs of Purchasing a Home

Beyond your deposit, ensure you budget for these essential 2026 purchase costs:

• Building & Pest: $400 – $650
• Legal & Conveyancing: $1,200 – $2,500
• Lender Fees: $0 – $900 (Application & Valuation)
• Government Fees: Varies by state (Registration & Transfer)

Estimate your exact out-of-pocket expenses here: Purchase Costs Calculator.

How We Can Help

We provide the strategic framework to ensure your first home loan is set up for long-term success, not just a quick approval.