Your first home is closer than you think.
From the $30,000 Queensland FHOG grant to the First Home Guarantee scheme, we make sure you access every dollar available to you, across 60+ lenders.
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Get Pre-Approved Today07 4599 4601Who this is for
This service is designed for Australians buying a home for the very first time. Whether you're a couple combining incomes, a single buyer stretching to enter the market, or a family looking to escape the rental cycle, we've helped hundreds of first home buyers just like you.
- First time buyers with 5–20% deposit saved
- Buyers eligible for the First Home Guarantee or FHOG
- Anyone who has never previously owned property in Australia
- Buyers looking to maximise grants and concessions
- People wanting to understand the process before committing
What's included
- Access to 60+ lenders including major banks and specialist lenders
- Help applying for First Home Guarantee scheme (limited places each year)
- FHOG application support and eligibility assessment
- Full stamp duty concession calculation for QLD
- Pre-approval within 1–5 business days
- End-to-end support from first call through to settlement
How it works: step by step
Free Strategy Call
Book a free 30-minute call where we assess your current situation, savings, income, and goals. We'll tell you exactly where you stand and what's possible.
Grant & Scheme Eligibility
We check your eligibility for the FHOG, First Home Guarantee, Help to Buy, and any state government concessions. Many clients are surprised by how much is available to them.
Loan Research & Comparison
We search across 60+ lenders to find the right loan: the right rate, the right features, and the right structure. We explain your options clearly, with no jargon.
Pre-Approval
We submit your pre-approval application and manage the lender communications. You'll have a written pre-approval ready when you start house hunting, giving you confidence at open homes and auctions.
Property Found
Once you've found your home and signed a contract, we convert the pre-approval to formal approval. We work with your solicitor or conveyancer to coordinate all conditions.
Settlement
We coordinate the final loan documents, settlement date, and first draw-down. You get the keys, we get the satisfaction of knowing we helped another family into their home.
How much stamp duty will you pay?
As a first home buyer in Queensland, you may pay zero stamp duty. Use the calculator to see your exact position, and whether you'll qualify for the $30,000 First Home Owner Grant.
Full stamp duty guide →QLD Stamp Duty Calculator
Indicative transfer duty estimates, updated for 2025 QLD rates
Your estimate
Other typical upfront costs
Want the full picture?
Book a free call: we'll confirm your exact grant eligibility and upfront costs in 15 minutes.
Book a Free CallEligibility at a glance
Eligibility varies by lender. Don't let these criteria put you off: we often find solutions that aren't obvious upfront.
- Australian citizen or permanent resident aged 18+
- Never previously owned property in Australia (or with a co-purchaser who hasn't)
- Minimum 5% genuine savings (some exceptions apply with guarantor)
- Income within lender serviceability requirements
- Property must be intended as primary residence (for FHOG/First Home Guarantee)
- Property value within scheme caps ($750,000 for FHOG, varies for FHG)
Common questions
Do I need 20% deposit to buy my first home?
No. With the First Home Guarantee you can purchase with as little as 5% deposit without paying LMI. Some lenders also accept guarantor arrangements with as little as 2%. We'll help you find the right approach for your deposit level.
How much is the Queensland First Home Owner Grant?
The Queensland FHOG is currently $30,000 for new homes valued up to $750,000. This applies to new builds, house-and-land packages, and off-the-plan purchases. Note: grant amounts can change. Always confirm current figures with us or at the QLD Revenue Office website. TODO(tom): Verify before publishing.
Can I buy with a friend or sibling?
Yes, co-purchasing is a popular way to enter the market. Both borrowers must qualify under the FHOG rules (neither has owned property before) to access first home buyer benefits. We'll structure the loan to work for both parties.
What if I've only been in my job for a short time?
Most lenders prefer 6+ months in your current role (or 12 months if probationary). There are exceptions for those in the same industry who changed employers. We have lenders who work with shorter employment histories.
Ready to get started with First Home Buyers?
Book a free consultation. We'll assess your situation and show you the best options across our 60+ lender panel.