First Home Buyers

Buying your first home has never been easier!

Between government schemes designed to get you into your first place sooner, there's more support available right now than there has ever been. Here's a quick rundown of what's out there.

Australian Government 5% Deposit Scheme
Buy your first home with just a 5% deposit and skip Lenders Mortgage Insurance entirely. Since the October 2025 expansion, there are no income caps and no waitlists, meaning far more first home buyers can now access it.

First Home Super Saver Scheme (FHSSS)
Use your superannuation to help save your deposit faster. Voluntary contributions you make (up to $50,000) can later be released, along with earnings, to put towards your first home, all inside the concessionally taxed super system.

Help to Buy Scheme
A shared equity scheme where the government contributes up to 30% of an existing home's price (or 40% for a new build) in exchange for an equivalent share. That means a smaller loan, lower repayments, and a deposit as low as 2%.

First Home Owners Grant
A one-off grant for eligible first home buyers, generally for new or substantially renovated homes. Amounts and eligibility vary by state, so we'll help you work out what you're entitled to.

Stamp Duty Concessions & Exemptions
Many states offer reduced or fully waived stamp duty for first home buyers under a certain purchase price. This can mean tens of thousands of dollars back in your pocket, and again, it comes down to your state and property value.

Not sure which of these actually apply to you, or how they stack together? That's exactly what we're here for. Let's chat and map out your best path in.

We work with Australia's biggest lenders

Our Latest Reviews

Georgie Brice

Stephanie was amazing to deal with and made navigating through the refinancing my home/mortgage process after separation very very easy. She was super patient with a rather protracted timeframe and cheerfully followed up with me a regular intervals. She also introduced me to her network of professionals to help with other parts of the process. Would 100% recommend.

Skye Howden

I first worked with Steph 12 months ago when she went above and beyond to help me secure a mortgage at a time when I honestly thought all hope was lost. Her dedication, knowledge, and determination made what seemed impossible possible, and I'll always be incredibly grateful for the effort she put in to help me achieve my goal. Fast forward 12 months, and Steph reached out to check in. It honestly felt like I was catching up with an old friend. She said, "Let's see how your rate looks and work on getting you a better one!"—and that's exactly what she did. Steph and her team made the entire refinancing process seamless from start to finish. Their communication was exceptional, they handled everything professionally, and they made what could have been a stressful experience feel effortless. If you're looking for a broker who genuinely cares about their clients, goes above and beyond, and continues to look after you long after settlement, I can't recommend Steph and her team highly enough. They don't just help you get a loan—they build lasting relationships and truly have your best interests at heart. Thank you again for everything. I'm so grateful for your ongoing support!

Emma Ide

Stephanie and her team were an absolute delight to work with when we engaged her as our finance broker for the purchase of our home. From the very beginning, her guidance, positivity and unwavering support made what can often be a stressful and overwhelming process feel smooth and manageable. Stephanie took the time to find the right loan for our needs and was always approachable, knowledgeable and responsive throughout the journey. We were referred to her through word of mouth, and we can now confidently recommend her to anyone looking for an exceptional finance broker. It didn’t matter that we were interstate—everything was handled seamlessly, starting with a simple online meeting, making the entire process incredibly convenient. We can’t thank Stephanie enough for everything she did for us and wouldn’t hesitate to engage her again in the future. We highly recommend Stephanie and her team to anyone looking for professional, personalised and outstanding service.

Grace Doherty

Steph and her team were an absolute pleasure to work with. They helped me purchase my first home as a single female and guided me through the entire process. No question was silly. Couldnt be any happier with the service provided, highly recommend!!

Alana Andrews

Stephanie and her team were able to arrange a better rate for our loans even though we already had a competitive rate. The transition to the new lender was smooth and Stephanie was prompt to assist with any enquiries and offered support whenever needed. Highly recommend.

Matt Fell

Cannot recommend highly enough. Stephanie is a champion!!

PO Box 5081, Cheltenham East, Victoria 3192

0422 833 350

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Stephanie Jordan is a Credit Representative (515360) of Buyers Choice Licencing Pty Ltd ACN 626 172 281 (Australian Credit Licence No.509484)

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.