First Home Buyer Guide Australia

If you’re buying your first home, I’ve been in your shoes.
When I bought my first property, I made a few mistakes – and now, as a mortgage broker and buyer’s advocate, I help first home buyers avoid them every day.

This guide is everything I wish I had known when I started.

💰 Know Your Numbers First

Before you fall in love with a house on realestate.com.au, figure out your financial position:

• Your deposit amount
• Your borrowing capacity
• Likely monthly repayments
• Extra costs like stamp duty, conveyancing, inspections

🎁 First Home Buyer Schemes

Depending on your state and income, you might be eligible for:

• First Home Guarantee (buy with as little as 5% deposit)
• Stamp duty concessions or exemptions
• First Home Owner Grant

These can save you thousands – I’ll help you check your eligibility.

📝 Always Get Pre-Approved Before You Shop

Pre-approval means a lender has reviewed your financials and indicated how much they’d be willing to lend.

It shows sellers you’re serious and helps you avoid looking at homes outside your budget.

🧾 Understand the Hidden Costs

A lot of first home buyers are caught off guard by:

• Stamp duty
• Lender’s Mortgage Insurance (LMI)
• Building & pest inspections
• Legal & conveyancing fees

I help clients plan for these in advance so nothing’s left to chance.

🤝 Don’t Do It Alone

As a mortgage broker and buyer’s advocate, I can help with:

• Comparing lenders and getting you a great home loan
• Property searching and shortlisting
• Negotiating the price and terms
• Managing contracts through to settlement

💡 What I Wish I Knew Back Then

Looking back, I should have:

• Asked more questions
• Understood interest rates and loan features better
• Started earlier
• Taken advantage of government help

That’s exactly why I created this guide – so you don’t make the same mistakes.

✅ Ready to Buy Your First Home?

Let’s have a chat. I’ll help you feel confident, supported, and ready to move into your new home.

📩 Book a call with me or send a quick message below.