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First Home Buyer Home Loans

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Make your first home purchase simpler and less stressful

Buying your first home can feel overwhelming — inspections, negotiations, jargon, and dozens of loan options. At My Finance Consultants, we turn that confusion into a clear plan: education, tailored lending strategies, and step-by-step guidance from first chat to settlement.

CTAs (top):

  • Apply Online Now

  • Book Your Consultation

  • Calculate My Borrowing Power → /borrowing-power-calculator

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Your path to home ownership

H3 Understanding your borrowing power

Start by estimating how much you could borrow and what repayments might look like.

  • Borrowing Power Calculator → /borrowing-power-calculator

  • Mortgage Repayment Calculator → /mortgage-repayment-calculator

  • Property Buying Power Calculator → /property-buying-power-calculator

H3 Pre-approval: know your limits

A lender-verified pre-approval shows your price range and helps you act quickly. We package your application, compare 40+ lenders, and manage the paperwork.

  • Learn more → Home Loan Pre-Approval page (link: /home-loan-pre-approval)

H3 Rentvesting: buy where it stacks up, live where you love

Buy an investment property in a more affordable area while renting in your preferred suburb. Grow equity sooner and keep lifestyle flexibility. We’ll model rent, tax impacts, and cash flow.

H3 Family guarantees: a helping hand

Parents (or eligible relatives) can use equity as limited security so you can buy sooner and potentially avoid LMI. We set clear exit strategies and handle the legal steps.

  • Learn more → Family Guarantee Home Loans (link: /family-guarantee-home-loan)

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Government schemes & support (we’ll confirm eligibility)

Programs and grants can change. We’ll check the current criteria, caps and places for you and structure your application accordingly.

  • First Home Owner Grant (FHOG): One-off grant for eligible buyers/builders of a first home (state/territory rules apply).

  • Stamp duty concessions/exemptions: Vary by state and purchase price.

    • Check potential costs → Stamp Duty Calculator → /stamp-duty-calculator

  • Deposit and shared-equity style initiatives: Some programs allow lower deposits or government equity participation subject to eligibility and property limits.

  • First Home Super Saver (FHSS): Save via super with concessional tax treatment (subject to ATO rules).

We’ll confirm what you qualify for and combine incentives with the right lender policy for a smoother approval.

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What makes a great first home loan?

  • Right structure: variable/fixed, split loans, and offset for smarter cash management

  • Competitive total cost: look at comparison rate, not headline rate only

  • Flexibility: extra repayments, redraw, portability options

  • Future-proofing: plan for upgrades, maternity/paternity leave, or rate changes

We compare policies, not just prices — then recommend a short list that fits your goals.

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Our first-home process

H3 Step 1 — Strategy & budget
We map deposit, repayments, and purchase price using your figures and calculators.

H3 Step 2 — Lender match & pre-approval
We shortlist suitable lenders and organise a strong pre-approval.

H3 Step 3 — Property & contract checks
We liaise with your conveyancer/solicitor, review conditions, and line up valuation.

H3 Step 4 — Formal approval to settlement
We manage the lender, documents, insurance requirements, and settlement timelines.

Quick tools:

  • Mortgage Quote Calculator → /mortgage-quote-calculator

  • Mortgage Repayment Calculator → /mortgage-repayment-calculator

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Establish good money habits early

Strong savings and clean account conduct help approval and keep you comfortable once you own the home. We’ll show you how to use an offset and repayment frequency to cut interest and years off your loan.

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FAQs

H3 Do I need a lawyer or conveyancer?
Yes. Engage them early to review contracts before you sign and pay any deposit.

H3 What deposit do I need?
Many lenders accept 5–10% deposits (policies vary). Family guarantees and eligible schemes can help reduce upfront cash. We’ll model the trade-offs.

H3 What is Lenders Mortgage Insurance (LMI)?
A one-off premium (generally above 80% LVR) that protects the lender. It can sometimes be capitalised into the loan within limits.

H3 How long does a pre-approval last?
Often 90–180 days depending on the lender. We’ll refresh it if needed.

H3 Can you help with off-the-plan?
Yes. We manage timelines, valuation, and documentary requirements to settle on time.

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Ready to buy your first home?

We work for you, not the lenders. Get clear advice, a strong pre-approval, and a loan structure that supports your life plans.

CTAs (bottom):

  • Apply Online Now

  • Book Your Consultation