First Home Buyer & Investor Guidance
Navigate your first property purchase with confidence. Our expert team provides comprehensive guidance for first home buyers and first-time investors, helping you access grants, secure finance, and make informed decisions that set you up for long-term success.
First Home Buyer Advantages & Support
First-time buyers have access to exclusive government schemes, grants, and concessions designed to make property ownership more affordable. We help you navigate these benefits while avoiding common first-buyer mistakes.
Government Grants & Schemes
Access First Home Owner Grants, deposit schemes, and stamp duty concessions worth thousands.
Lower Deposit Options
Buy with as little as 5% deposit through specialized first home buyer programs.
Expert Guidance
Step-by-step support through every stage of the property buying process.
First Buyer Service
- ✓Grant eligibility assessment
- ✓Pre-approval assistance
- ✓Property search and evaluation
- ✓Purchase negotiation support
- ✓Settlement coordination
- ✓Ongoing property advice
- ✓Investment strategy development
Your First Home Buying Journey
A clear roadmap to guide you from initial planning to settlement and beyond
Planning
Financial assessment, goal setting, and eligibility review for grants and schemes.
Finance
Secure pre-approval, compare loan options, and optimize borrowing capacity.
Search
Property search, market analysis, inspections, and due diligence support.
Purchase
Negotiation, contract review, settlement coordination, and handover.
Available First Home Buyer Benefits
First Home Owner Grant
Cash grants of $10,000-$25,000 for eligible first home buyers purchasing new or established properties.
- • Available in all Australian states
- • Higher amounts for new properties
- • Must live in property for 12+ months
Deposit Schemes
Government-backed schemes allowing purchase with deposits as low as 5% without mortgage insurance.
- • First Home Loan Deposit Scheme
- • Family Home Guarantee
- • Regional First Home Buyer Boost
Stamp Duty Concessions
Significant savings on stamp duty for first home buyers, varying by state and property value.
- • Full or partial stamp duty exemptions
- • Threshold varies by state
- • Can save tens of thousands
Shared Equity Schemes
Government co-investment programs that reduce initial purchase costs and ongoing loan repayments.
- • Government contributes up to 40%
- • Reduced monthly repayments
- • Income and location restrictions apply
Super Access
First Home Super Saver Scheme allows use of superannuation contributions for home deposits.
- • Withdraw up to $50,000
- • Tax benefits on contributions
- • Must be first home buyer
Investment Options
Consider investment property as first purchase for tax benefits and wealth building potential.
- • Negative gearing tax benefits
- • Depreciation deductions available
- • Capital growth opportunities
First Home Buyer FAQ
Common questions about first home buying and first-time property investment
First-Time Property Investment: Complete Guide
How to Start Property Investing
First-time property investors should follow these 5 essential steps:1) Assess your financial position and borrowing capacity, 2) Set clear investment goals and timeline, 3) Research markets and property types, 4) Secure pre-approval for finance, and 5) Work with licensed professionals for guidance.
Step-by-Step First-Time Investment Guide
Financial Assessment
Calculate your borrowing capacity (typically 4-6x your income), assess your savings for deposit (minimum 10% plus costs), and review your credit score. Most first-time investors can borrow $400,000-$800,000 depending on income.
Set Investment Goals
Define whether you want capital growth (long-term wealth building) or cash flow (immediate income). Establish your timeline - most successful investors hold properties for 7-10+ years to maximize returns.
Market Research
Research growth areas with population increases, infrastructure development, and job creation. Focus on locations within 30km of major employment centers with median prices 10-20% below capital city averages.
Finance Pre-Approval
Get pre-approved with multiple lenders to understand your exact borrowing capacity. Investment loan rates are typically 0.3-0.5% higher than owner-occupier rates. Secure pre-approval before property shopping.
Property Selection & Purchase
Focus on properties with rental yields above 4.5%, strong growth fundamentals, and broad tenant appeal. Budget for purchase costs (stamp duty, legal, inspections) typically 4-7% of property value.
First-Time Investor Key Statistics
First-Time Investor Quick Reference
| Category | Recommendation | Reason |
|---|---|---|
| Deposit Amount | 10-20% of property value | Avoids LMI, better loan rates |
| Property Type | 3BR house or 2BR unit | Broad tenant appeal, easier resale |
| Location Distance | Within 30km of CBD | Transport access, job proximity |
| Rental Yield Target | 4.5%+ (houses), 5.5%+ (units) | Covers holding costs, positive cash flow potential |
| Budget for Costs | 4-7% of purchase price | Stamp duty, legal, inspections, moving costs |
5 Common First-Time Investor Mistakes to Avoid
Buying based on emotion rather than data analysis
Underestimating ongoing costs (rates, maintenance, vacancy)
Choosing the wrong location without growth fundamentals
Not getting professional advice on tax structures
Expecting immediate positive cash flow in capital cities
Ready to Buy Your First Property?
Get expert guidance and maximize available grants and schemes. Start your property ownership journey with confidence.
Or call 02 9099 5636