First Home Buyer Home Loans

Escape the rent race and get into your own home sooner

Your independent lending expert

My Finance Agent is your FBAA Finance Broker of the Year for NSW & ACT

FBAA Finance Broker of the Year (NSW & ACT) 2023

My Finance Agent wins Best Professional Services in the Local Business Awards Sydney

Local Business Awards Winner Best Professional Services (Sydney) 2019 & 2024

5.0 CUSTOMER RATING

150+ reviews

FBAA FINANCE BROKER OF THE YEAR (NSW &ACT) 2024

Australia's award-winning mortgage broker My Finance Agent

Buy your first home with confidence

As a first home buyer, everything was a learning curve, but with My Finance Agent I felt educated and confident with the huge decision I was making. —Shannyn

HUNDREDS OF HAPPY CUSTOMERS

We help first home buyers from the first step to the last.

THE MY FINANCE AGENT APP IS A GAME CHANGER

The hardest part of buying your own home is saving the deposit. We help with that, too.

The award-winning My Finance Agent App helps you achieve your financial goals faster. Visualise and track your saving goals, analyse your spending habits, create a workable budget, and receive updates from our team.

You can even choose to alert us when you've achieved a milestone.

My Finance Agent App helps you save for a house deposit

Confused by first home buyer schemes?

We've got you covered.

My Finance Agent NSW Mortgage Broker of the Year

5.0 CUSTOMER RATING

150+ reviews

Offer accepted? Let's finalise your home loan.

You can rely on us to ensure that the loan process goes smoothly.

Paperless process

Forget about the stress of a paper chase. Our document management process is nearly 100% electronic for your convenience, privacy and peace of mind.

Smooth settlement process

We coordinate with you and your parties, as well as the vendor's representatives, to make sure everything goes smoothly.

Follow up care & appreciation

Where other brokers wave goodbye, we turn up with a housewarming gift. We also conduct post-settlement check-ins and annual reviews for the life of your loan.

Customised strategy

Owning assets can open up all sorts of wealth-building opportunities. If you are interested in investing, retiring, growing a business, or simply paying off your mortgage sooner, we can help to devise a customised strategy.

Financial incentives help first-time buyers enter the housing market.

As part of your customised game plan, we identify which first home buyer schemes apply to your situation. Concerned you might miss something? We stay ahead of program changes so you don't have to.

National schemes

Australia’s federal government offers first home buyer schemes like the First Home Guarantee and First Home Super Saver Scheme to help you enter the property market.

State-based schemes

Each Australian state offers its own first home buyer schemes, including grants, stamp duty concessions, and other incentives. We will help to assess your eligibility.

Eligibility

We’ll help to identify the most relevant first home buyer programs for you. Your dedicated loan expert will ensure you maximise available benefits and incentives.

Application process

We simplify the application process for first home buyer schemes, helping with the paperwork and guiding you through each step.

First Home Buyer FAQs

We're here to answer all of your questions.

Eligibility for a first home buyer loan depends on factors like your income, credit history, employment stability, and deposit size. We assess your unique circumstances to help determine your eligibility and guide you toward the best options.
You'll need identification, proof of income (such as payslips or tax returns), bank statements, details of current assets and liabilities, and information about the property you wish to buy. We’ll provide a detailed checklist to ensure you have everything in order.
The loan process includes getting pre-approval (not necessary, but recommended), finding a suitable property, submitting a formal loan application, and completing the settlement. Our team will support you at every stage, making the process as seamless as possible.

Following settlement, we remain in touch to check that the loan is set up properly and running smoothly. We then conduct a loan review every year to ensure that your rate, terms and loan features are always market-leading for your situation.
The time frame for each person's home buying journey is unique. Firstly, there is the time it takes to save a deposit, followed by the time it takes to find the right property. We help with both of these steps. When it comes to the actual loan process, the period from pre-approval to settlement typically takes about 4 to 8 weeks. Sometimes the buyer and seller agree to a longer setttement period. Our mission is to keep everything on track and avoid unnecessary delays.
Costs will include the deposit, stamp duty (depending on first home buyer scheme eligibility), legal and broker fees, and lenders mortgage insurance if applicable. We provide a clear breakdown of all potential costs associated with buying your first home to help you budget effectively.
The first step is assessing your financial situation to understand how much you can borrow. We recommend starting with a consultation to discuss your needs and explore your loan options.

Talk with a lending expert

Experience the award-winning difference

GET IN TOUCH

Get ready for success with a home loan pre-approval.

"Can you buy a house without a pre-approval?" While not strictly necessary, in today's competitive real estate market, a pre-approval can give you an edge over less prepared buyers, as well as other important advantages.

A home loan pre-approval helps you understand how much you can borrow, speeds up the final loan approval process, and means that you can go house hunting with confidence!