First Home Buyer Loans Australia
Buying your first home is exciting, but it can also feel overwhelming when you’re unsure where to start. At Finax Mortgages, we make the process straightforward from deposit to settlement. Our approach is built on education, clarity, and genuine support. With detailed lender comparisons and personal guidance, we’ll help you secure a home loan that fits your goals and budget so you can take confident steps toward owning your first property.
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Taking the Stress Out of Your First Home
Owning your first home comes with big financial and emotional decisions. From saving for a deposit to choosing the right loan and understanding the extra costs, there’s a lot to take in. We’re here to simplify those steps. From our first conversation, we’ll explain what lenders look for, help you prepare your application, and guide you toward the best strategy for your situation. With a clear plan in place, buying your first home becomes a milestone you can enjoy, not a maze to navigate.
How We Support First Home Buyers
Every buyer’s path is different, which is why we offer support tailored to your financial circumstances and long-term goals. Our team helps you understand what to expect at each stage of the process, from your first inquiry through to moving in.
Our guidance covers the essential steps involved in first home buyer loans Australia, from deposits to approvals.
Low Deposit Options
We work with a range of lenders who offer low deposit home loans, helping you enter the property market sooner. You’ll know what options are available and what’s realistic for your budget.
Government Grants
We guide you through available first home buyer grants and government schemes designed to reduce your upfront costs. These can make a significant difference when starting out.
Hidden Costs Explained
Many new buyers overlook additional costs like legal fees, insurance, and inspection expenses. We help you plan for every detail so there are no surprises at settlement.
Step-by-Step Support
From pre-approval to final paperwork, we keep communication clear and progress steady. You’ll always know where you stand and what comes next.
Your 3 Easy Steps to Buying
We’ve developed a straightforward process that removes confusion and gives you full visibility at every stage of your home buying journey.
Chat with Lucia
Start with an open and friendly conversation about your goals, lifestyle, and finances. Lucia will help identify what’s achievable right now and design a plan that fits your timeline and comfort level.
Compare Aussie Lenders
We compare loan options from trusted Australian lenders, explaining each one clearly so you can see the pros and cons. You’ll get a transparent view of interest rates, features, and terms before making a decision.
Get Approved
After choosing your loan, we help complete the documentation and coordinate with your lender until approval is confirmed. Our aim is to make the process smooth, predictable, and stress-free so you can focus on your move.
Your Property Solution Guide
Download our practical step-by-step guide to buying property in Australia. Learn how to plan deposits, compare lenders, and navigate approvals with confidence.
Your First Home Journey
Every first home represents a personal milestone. From the first deposit saved to the moment you pick up the keys, we’ve supported countless buyers through this life-changing experience. These stories capture the excitement, relief, and pride that come from turning a goal into a place you can finally call home.
Why Choose Finax Mortgages
Every borrower has unique goals. That’s why Lucia Ambler delivers a personalised mortgage experience, focusing on the right strategy, competitive rates, and long-term success.
Flexible Mortgage Options
Choose from a variety of mortgage structures designed to fit your budget and goals, from fixed and variable loans to flexible repayment plans.
Personalised Property Investment Guidance
Lucia shares proven property strategies to help you make informed investment decisions backed by years of experience and market insight.
Trusted Customer Service
We value relationships as much as results, offering clear communication, reliable updates, and genuine care throughout the mortgage process.
Licensed & Accredited Professional
Finax Mortgages operates under full licensing standards, maintaining integrity, transparency, and compliance at every stage.
Ready to Buy Your First Home?
Let’s make your first home purchase a smooth and confident experience. We’ll help you understand your borrowing options, compare lenders, and plan the right steps toward settlement. The best time to begin is now, and our team is ready to guide you.
Common Questions
How much deposit do I need for my first home?
Some lenders accept deposits as low as 5 to 10 percent, depending on your financial situation and eligibility. We’ll help you explore your borrowing power and find the right fit.
What extra costs should I plan for?
Aside from your deposit, you should consider legal fees, property inspections, insurance, and stamp duty. We’ll outline each cost early in the process so you can budget accurately.
Can I get a loan if I have limited savings or past credit issues?
Yes, many lenders offer flexible home loan options for borrowers with smaller deposits or imperfect credit. We’ll help you find a path that works for you.
How long does the home loan approval process take?
Most home loan approvals take between two and six weeks, depending on the lender’s requirements and how quickly documents are submitted.
Do I qualify for first home buyer grants or incentives?
Eligibility depends on your income, location, and the type of property you want to buy. We’ll help you understand what you qualify for and how different schemes can support your purchase. If you’re comparing home loan options, you can also visit our Kiwis in Australia page for more information about buying across markets.
