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First home buyers

First home buyer loans in Australia cover deposit strategy, First Home Guarantee, stamp duty relief, grants, and pre-approval timing before you offer.

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Start here: Budget 2026 for homebuyers: why the next 18 months may be the best buying window in a decade

First home buyers guides(14)

Written and reviewed by Bishnu Adhikari. General information only — responsible lending applies and approval is never guaranteed.

How Azure Home Loans helps with first home buyers

Bishnu Adhikari

Mortgage broker, Azure Home Loans — Credit Representative ACR 538895, auth. under ACL 390261, authorised under Yellow Brick Road.

You deal with the same broker from first enquiry through to settlement. These guides are written from files we have actually worked on, not repackaged lender marketing.

First home files are decided by deposit, scheme eligibility and lender policy on low deposits — rarely by the advertised rate. Getting the structure right before you make an offer is worth more than shaving a few points off a rate afterwards.

What we look at first

  • Whether your deposit clears 80% or LMI applies, and what a guarantee scheme place would change
  • Genuine savings history, since lenders treat gifted and saved deposits differently
  • Stamp duty and purchase costs, which reduce the deposit available and quietly raise your LVR

What happens if you enquire

  1. A short conversation — What you are trying to do and by when. No documents needed to start, and no credit check at this stage.
  2. A document plan — What a lender will actually want to see for your situation, so the file is assessed cleanly the first time.
  3. Lender match — Comparing across the panel against your circumstances, because policy on first home buyers differs enough between lenders to change the outcome.
  4. Lodge when you are ready — You set the pace. Nothing is submitted until the structure makes sense to you.

Responsible lending, plainly

As a credit assistance provider we are required to make reasonable enquiries about your financial situation, requirements and objectives, and to verify them, before suggesting a loan. If a loan would be unsuitable for you, we have to say so. Nothing on this page is a credit approval, a pre-approval, or an offer of finance, and no outcome is guaranteed — approval is always the lender's decision.

Articles here are general information and do not take your circumstances into account. When you want numbers checked against current lender policy, speak to a broker — or call 0400 77 77 55.

Free download

Practical PDF for first home buyers — general information only, not personal advice.

First home buyers

Funds to complete worksheet

Enter a purchase price and deposit for an illustrative total — duty and LMI are estimates only. Confirm with your state revenue office and broker before you exchange.

$158,500

Illustrative funds to complete (not a quote)

About First home buyers guides

First home buyers FAQ

Compliance-aware answers for common borrower questions in this lane.

What should first home buyers read first?

Start with deposit and funds-to-complete maths, then check state stamp duty and grants, then scheme options such as the First Home Guarantee where eligibility may apply. Use the first home buyer hub calculators before you lock a purchase price.

Is a 5% deposit enough in Australia?

Sometimes — via schemes or LMI paths — but total cash needed also includes stamp duty, conveyancing, and buffers. Whether 5% suits you depends on state rules, lender policy, and serviceability. Confirm scheme caps on official government sites.

How does a broker help first home buyers?

A broker compares lender pathways against your deposit, income evidence, and timeline, then lodges when the structure fits. That is different from a bank selling only its own products. Speak to a broker when you want your numbers checked.

Are these articles personal credit advice?

No. They are general Australian mortgage guides. For a file-specific review, enquire with Azure Home Loans. General information only. Bishnu Adhikari — ACR 538895, auth. under ACL 390261. Responsible lending applies; approval is never guaranteed.

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