First Home Buyer Loans

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Owner occupied deals From 5.99% p.a. Comparison Rate* 6.01% p.a.
* The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Looking for Competitive First Home Buyer Loans?

If you're seeking first home buyer loans, the path to owning your first home can be both exhilarating and daunting. At Beyond Broking, we specialise in helping first home buyers like you navigate this significant milestone.

Our dedicated team takes your dreams seriously. With access to a network of over 50 lenders and banks, we leave no stone unturned to find the perfect first home buyer loan tailored to your unique circumstances. This includes hunting for competitive interest rates and uncovering any first home buyer grants or incentives you may be entitled to.

In your search for the ideal home loan, it's not just about securing the lowest rate or the cheapest fees – it's about finding a loan that suits your individual needs. We get that, and we're committed to delivering tailored solutions that align with your financial goals.

Our experienced and friendly team is here to make your first home loan journey smooth sailing. From the initial application to settlement and beyond, we handle all the heavy lifting, ensuring a stress-free experience for you. Let's embark on this exciting journey to homeownership together.

First Home Buyer Specialists

Having worked with hundreds of first home buyers, we have the experience to help buyers with all types of backgrounds get into their first home

Access To Over 50 Lenders

We give our clients greater choice, accessing more deals and therefore able to find the most competitive rates and terms.

Long Term Finance Partner

Long after the ink is dry, we continue to review your loan to ensure it's still competitive, or discover if a better deal is available to you.

Our Approach: First Home Buyer Loans

Walk you through the buying process

We go on the home buying journey with you, from start to finish. We want you to be informed and by setting the right expectations upfront, it makes all the difference in ensuring you a pleasant first home buyers experience.

Apply the right finance strategy

Executing the right strategy can be the difference between paying off your home loan sooner and avoiding unnecessary costs. We give you all the information, tips and recommendations to have a concrete plan in place that’s easy to follow.

Set a realistic purchase price goal

Setting a realistic purchase price for a home is essential for several reasons, to help buyers stay within their financial means, preventing them from overextending themselves and potentially falling into financial hardship. We will guide you on setting the right purchase price boundary for your new home, to ensure you are comfortable with your estimated home loan repayments. This is essential to enjoying a life without financial stress.

Apply for government incentive programs

As a first home buyer you may be entitled to the First Home Owners Grant, stamp duty concessions/waivers and purchase cost assistance. Other government home buyer schemes may also be available such as the national First Home Guarantee Scheme. We’ll let you know what’s currently available and if you qualify as rules and regulations on these often change.

Explain all the costs

We consider the details of buying a home, beyond just the deposit. Stamp duty, pest inspections, registration fees, insurance and rate adjustments are a few costs to expect. We’ll take you through all normal home buying expenses at the start to plan ahead and make you well aware of what you’re getting yourself into. No nasty surprises!

Do all the hard work for you

We pride ourselves on taking care of all the intricate details and administrative tasks on behalf of our clients. From handling complex paperwork to streamlining the application process and negotiating the most competetitive rates and terms, our goal is to make the financial journey as simple and stress-free as possible for our valued clients.

Find Out Your Borrowing Power in 5 Minutes

Unlock your financial potential today! Contact us now to discover your borrowing capacity in less than 5 minutes. Having a clear understanding of your financial capacity for first home buyer loans empowers you to make informed decisions and access the best loan options tailored to your needs, helping you achieve your financial goals with confidence.

Gather your income and expenses details ready for the most accurate estimate.

First Home Buyer Loans

Grants & Concessions: First Home Buyer Loans

Navigating the world of government grants for first home buyers can be complex, but we're here to simplify the process for you. Our expert team at Beyond Broking can help you understand the various grants available and determine your eligibility. Securing these grants can be a significant financial boost on your journey to becoming a homeowner. We offer complimentary consultations, so you can learn the support you may be entitled to and make your dream of owning your first home a reality.

The Australian Government First Home Guarantee Scheme

This initiative supports eligible first home buyers purchase a home sooner. This enables an eligible home buyer to purchase a home with as little as 5% deposit without paying Lenders Mortgage Insurance.

First Home Owner Grants

This Government incentive is designed to assist first-time buyers with their property purchase. They vary from state to state, but typically provide a financial grant to eligible individuals or couples.

Stamp Duty Concessions

These concessions reduce the amount of stamp duty (a tax on property transactions) you need to pay when buying a home, resulting in substantial savings and are available for certain transaction types and values.

Get pre-approved &

start house hunting today

With a pre-approval from Beyond Broking, you're set to embark on your house hunting journey with unwavering confidence. No more guesswork or uncertainty. You'll have a clear budget, readiness to make an offer and the upper hand in negotiations. Our seamless pre-approval process ensures you can kickstart your house hunting journey without delay.


Like to get an idea of how much you can borrow? Crunch the numbers using our handy calculators, they will give you a good idea of where you’re at. Just remember we review your full financial situation to provide a more accurate picture.

Choose from over 50 lenders

Whether you are searching for a lower interest rate or niche lending solution, we compare our extensive range of home loan lenders to provide you the best rates and options.
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Why use a mortgage broker?

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Beyond Broking mortgage brokers are experts in residential and commercial property loans, whether you’re buying a house in Perth, Sydney or anywhere in Australia. Lending is what we do! We help you understand how to buy a house, we organise your finances and provide professional advice to match your needs with a suitable lending solution.

We talk to the lenders and banks for you, negotiate better deals than what’s being offered, do all the paperwork and help you avoid taking out a loan you might later regret.

We save you hours of time, as for us, it’s about knowing the industry, planning a better mortgage for you, and regularly monitoring your loans in the proceeding years to ensure they still align with your lifestyle and current market condition. Best of all the bank pays us so you don’t have to.

What do I need to help the process?

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Generally, banks and lenders ask for the following items however when we first talk to you, we’ll ask you to provide these items and maybe a few other things to ensure our first meeting gets your application started promptly:

• Proof of income (pay slips and bank statements)
• A deposit backed by a proven savings history
• A good credit history (if you don’t have one, we can still help)

How much do I need for a deposit?

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Most lenders ask for 5% of the property value as a deposit, however you also need to factor in purchase costs like stamp duty, conveyancing and the impacts of lenders mortgage insurance (LMI). In general, the more you have saved, the more options you have and the easier the approval process becomes. If you don’t have 5% we do have lower deposit options available.

How much can I borrow?

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You can use our borrowing power calculator to give you an approximate idea, however we will thoroughly assess your situation and confirm exactly how much you can loan for your home after our first meeting.

Generally speaking, the more money you earn and the less debt you have, the more your capacity to borrow will be. Each lender will be different, and we will help you find the best one to suit you.

Get in touch with us today

Get an obligation free home loan and interest rate consultation with one of our brokers today.
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