[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/06\/08\/what-first-home-buyers-should-focus-on-first\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/06\/08\/what-first-home-buyers-should-focus-on-first\/","headline":"What First Home Buyers Should Focus on First","name":"What First Home Buyers Should Focus on First","description":"Buying your first home is a significant achievement but can be daunting. Successful buyers prioritise understanding their borrowing capacity, deposit position, and available government incentives before searching for properties. Focusing on strategy over emotion, and engaging professionals can ease the process and lead to better decisions in this major financial commitment.","datePublished":"2026-06-08","dateModified":"2026-06-08","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd.","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/06\/truth-group-pty-ltd-6a264e9e6e5e4.png?fit=1024%2C1024&ssl=1","url":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/06\/truth-group-pty-ltd-6a264e9e6e5e4.png?fit=1024%2C1024&ssl=1","height":1024,"width":1024},"url":"https:\/\/truthgroup.com.au\/2026\/06\/08\/what-first-home-buyers-should-focus-on-first\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=gjJggptJxjw#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=gjJggptJxjw","name":"What should first home buyers focus on first before buying a property?","description":"Many first home buyers make the mistake of attending inspections, browsing real estate websites, and making offers before they understand their borrowing capacity, deposit requirements, government grants, and overall property strategy.\n\nIn this video, Sydney Buyers Agent and Mortgage Broker Nick Parpis from Truth Group explains the most important steps first home buyers should take before purchasing their first home.\n\nYou'll learn:\n\n\u2714 How much deposit you really need\n\u2714 How borrowing capacity works\n\u2714 Common mistakes first home buyers make\n\u2714 First Home Buyer grants and incentives\n\u2714 How to choose the right suburb\n\u2714 Why strategy matters before property inspections\n\u2714 How to avoid overpaying for a property\n\u2714 What lenders assess when approving a home loan\n\nWhether you're buying your first home in Sydney, Western Sydney, Liverpool, Campbelltown, the Inner West, Central Coast or anywhere in Australia, these tips can help you make smarter property decisions and avoid costly mistakes.\n\nAt Truth Group, I combine Buyers Agent services with Mortgage Broker guidance to help first home buyers:\n\n\u2022 Understand borrowing capacity\n\u2022 Access suitable home loan options\n\u2022 Identify suitable suburbs\n\u2022 Negotiate with confidence\n\u2022 Avoid common buying mistakes\n\u2022 Purchase the right property for their long-term goals\n\nBook Your Free First Home Buyer Strategy Call:\nhttps:\/\/truthgroup.com.au\n\nFree Borrowing Capacity Assessment:\nhttps:\/\/truthgroup.com.au\n\nAbout Truth Group\n\nTruth Group is a Sydney Buyers Agent and Mortgage Broker helping first home buyers, investors and owner occupiers secure the right property and structure the right finance strategy.\n\n#firsthomebuyer \n#homeloanspecialist \n#mortgagebrokersydney \n#buyersagentsydney \n#sydneyproperty \n#propertyinvestmentaustralia \n#propertymarket \n#homebuyingtips \n#WesternSydneyProperty\n#homebuyingaustralia NSW\n#TruthGroup\n#propertyadvice \n\nSubscribe for more videos covering:\n\n\ud83c\udfe1 First Home Buyer Tips\n\ud83d\udcb0 Home Loans & Borrowing Capacity\n\ud83d\udcc8 Property Investment Strategies\n\ud83d\udd11 Property Buying Advice\n\ud83c\udfe6 Mortgage Broker Insights\n\ud83d\udccd Sydney Property Market Updates\n\n\ud83d\udc4d Like this video if you found it helpful\n\n\ud83d\udcac Comment below: What's your biggest challenge as a first home buyer?\n\n\ud83d\udd14 Subscribe and turn on notifications so you don't miss future property and finance tips.","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/gjJggptJxjw\/default.jpg","https:\/\/i.ytimg.com\/vi\/gjJggptJxjw\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/gjJggptJxjw\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/gjJggptJxjw\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/gjJggptJxjw\/maxresdefault.jpg"],"uploadDate":"2026-06-08T08:26:57+00:00","duration":"PT2M27S","embedUrl":"https:\/\/www.youtube.com\/embed\/gjJggptJxjw","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Welcome to Truth Group \u2014 where buying property and securing finance becomes simple, strategic, and stress-free.\nI\u2019m Niko, a licensed Buyers Agent and Mortgage Broker based in Sydney, here to help everyday Aussies make smarter property decisions.\n\nWhether you're buying your first home, investing, or need loan guidance, I break it down in clear, straight-talking videos.\n\nI help clients secure:\n\u2022 Established homes in high-growth areas\n\u2022 House and land packages\n\u2022 Commercial and mixed-use properties\n\u2022 Pre-approvals, refinance options & smart loan structures\n\nOn this channel, I share weekly tips on:\n\u2022 Buying strategies from a Sydney Buyers Agent\n\u2022 Mortgage planning & boosting borrowing power\n\u2022 Using a solid asset base to build wealth\n\u2022 Credit score & lender insights\n\n\ud83d\udccd Based in Hoxton Park \u2013 helping clients Australia-wide\n\ud83c\udf10 truthgroup.com.au | \ud83d\udcf1 Truth Group Pty Ltd on Facebook, LinkedIn & Google\nSubscribe now and let\u2019s get started.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/0bYn-LN7lEmJEamUfHfCt1zo5YuZUz08PlGjcEoFWbe7cpd28E-tKPat4p5bIvQ5OfzsVXoPpXo=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=gjJggptJxjw#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=gjJggptJxjw#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=gjJggptJxjw&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}},"about":["Latest Post"],"wordCount":677,"articleBody":"Buying your first home is an exciting milestone, but it can also feel overwhelming when you’re trying to work out where to start.Many first home buyers spend countless hours scrolling through property listings before they truly understand their budget, borrowing capacity, government incentives, and long-term goals.The reality is that finding a property should not be your first step.The most successful first home buyers focus on building a clear strategy before attending inspections or making offers.What should first home buyers focus on first before buying a property? Watch this video on YouTube.Understand Your Borrowing CapacityBefore looking at homes, it’s important to understand how much you can realistically borrow.Your borrowing capacity is influenced by factors such as:IncomeExisting debtsLiving expensesCredit historyDeposit sizeEmployment typeKnowing your borrowing capacity helps you focus on properties within your budget and prevents disappointment later in the process.A borrowing assessment can also identify opportunities to improve your position before applying for finance.Know Your Deposit PositionMany buyers assume they need a 20% deposit before they can buy a property.In reality, there are often options available with smaller deposits depending on your circumstances.Understanding your available savings, genuine savings history, government incentives, and purchasing costs is critical before entering the market.Remember that your deposit is only one part of the equation.You may also need funds for:Stamp duty (if applicable)Legal costsBuilding inspectionsPest inspectionsMoving expensesResearch Government IncentivesFirst home buyers may be eligible for various government schemes and incentives.These can significantly reduce upfront costs and help buyers enter the market sooner.Understanding what grants, exemptions, and schemes are available can have a major impact on your overall strategy.The rules change regularly, so obtaining current advice is important before making decisions.Focus on the Right LocationMany buyers become emotionally attached to a specific property before understanding whether the suburb suits their long-term goals.Instead, focus on:Lifestyle requirementsCommute timesSchoolsPublic transportFuture infrastructureProperty demandLong-term growth potentialThe right location often matters more than the perfect kitchen or fresh paint.Avoid Emotional BuyingBuying your first home is often emotional.It’s easy to fall in love with a property and ignore warning signs.Before making an offer, consider:Building conditionFuture resale appealComparable salesOngoing maintenance costsStrata costs (if applicable)A property should make sense both emotionally and financially.Build a Team Around YouPurchasing property involves more than simply finding a home.The right professionals can help you avoid costly mistakes.This may include:Mortgage BrokerBuyers AgentConveyancer or SolicitorBuilding InspectorPest InspectorHaving the right guidance throughout the process can save time, stress, and money.The Bottom LineThe biggest mistake many first home buyers make is focusing on properties before focusing on strategy.Understanding your borrowing capacity, deposit position, government incentives, and long-term goals before searching for a property can make the entire process smoother and more successful.At Truth Group, I help first home buyers understand their borrowing power, structure the right finance strategy, and identify suitable property options before they commit to one of the biggest financial decisions of their lives.Book a free strategy call today and take the first step towards buying with confidence.Share this:\t\t\t\tEmail a link to a friend (Opens in new window)\t\t\t\tEmail\t\t\t\t\t\t\tShare on Facebook (Opens in new window)\t\t\t\tFacebook\t\t\t\t\t\t\tShare on LinkedIn (Opens in new window)\t\t\t\tLinkedIn\t\t\t\t\t\t\tShare on Pinterest (Opens in new window)\t\t\t\tPinterest\t\t\t\t\t\t\tShare on Mastodon (Opens in new window)\t\t\t\tMastodon\t\t\t\t\t\t\tPrint (Opens in new window)\t\t\t\tPrint\t\t\t\t\t\t\tShare on Reddit (Opens in new window)\t\t\t\tReddit\t\t\t\t\t\t\tShare on X (Opens in new window)\t\t\t\tX\t\t\t\t\t\t\tShare on Tumblr (Opens in new window)\t\t\t\tTumblr\t\t\t\t\t\t\tShare on Telegram (Opens in new window)\t\t\t\tTelegram\t\t\t\t\t\t\tShare on Threads (Opens in new window)\t\t\t\tThreads\t\t\t\t\t\t\tShare on WhatsApp (Opens in new window)\t\t\t\tWhatsApp\t\t\t\t\t\t\tShare on Nextdoor (Opens in new window)\t\t\t\tNextdoor\t\t\t\t\t\t\tShare on X (Opens in new window)\t\t\t\tX\t\t\t\t\t\t\tShare on Bluesky (Opens in new window)\t\t\t\tBluesky\t\t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"06","item":"https:\/\/truthgroup.com.au\/2026\/\/06\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"08","item":"https:\/\/truthgroup.com.au\/2026\/\/06\/\/08\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"What First Home Buyers Should Focus on First","item":"https:\/\/truthgroup.com.au\/2026\/06\/08\/what-first-home-buyers-should-focus-on-first\/#breadcrumbitem"}]}]