Your first home is closer than you think.
Deposits, grants, pre-approval, LMI. It’s a lot of new words at once. We’ll translate all of it, work out exactly what you can afford, and walk beside you from first chat to first keys. Our service won’t cost you a cent.
First Home Owner Grant available for new builds in WA. We’ll check what you qualify for.
Grants and schemes that could save you thousands.
Most first home buyers don’t realise how much help is on the table. Here’s what we’ll check for you in our first chat.
First Home Owner Grant
Buying or building a brand-new home? You could receive $10,000 from the WA Government towards it. We’ll handle the application paperwork with your loan.
Buy with as little as 5% deposit
Under the Home Guarantee Scheme, eligible first home buyers can purchase with a 5% deposit and skip Lenders Mortgage Insurance, which often saves $10,000 to $30,000.
Pay less (or no) stamp duty
WA first home buyers get generous stamp duty concessions, and many pay nothing at all. We’ll calculate exactly what applies to the price range you’re shopping in.
Guarantor loans
If mum or dad can offer part of their home as security, you may be able to buy sooner with little to no deposit. We’ll make sure everyone understands the fine print.
From first chat to first keys, here’s how it goes.
Say hello
A relaxed chat by phone, in person, or over coffee. We’ll talk goals, savings, and what “affordable” actually looks like for you. No jargon, no judgement.
We find your options
We research 90+ lenders and every grant you qualify for, then bring back a shortlist of loans that genuinely fit, with honest pros and cons for each.
Get pre-approved
We package and lodge everything for pre-approval. Once it’s ticked, you’ll know your exact budget, usually valid for three months. Let the house hunting begin.
Offer, settle, celebrate
Found the one? Make your offer while we drive the application through to settlement. We’ll tell you the moment the keys are officially yours.
What locals say on Google.
First-home questions we hear every week.
How much deposit do I really need?+
The classic answer is 20%, but most of our first home buyers get in with far less. With the right scheme, 5% can be enough. We’ll work out the fastest realistic path for your savings.
What’s LMI, and can I avoid it?+
Lenders Mortgage Insurance is a one-off premium lenders charge when your deposit is under 20%. It can run into tens of thousands, but government guarantee schemes, guarantor loans, and certain professions can avoid it entirely. This is exactly what we sort out for you.
Should I get pre-approval before house hunting?+
Yes, almost always. Pre-approval tells you your real budget, shows agents you’re serious, and lets you move fast when the right place comes up. It typically takes one to two weeks and is usually valid for three months.
Does using a broker cost me anything?+
In most cases, no. We’re paid by the lender you choose, not by you. If a fee ever applies to your situation, we’ll tell you upfront, before anything is signed. See exactly how we’re paid →
Ready to stop scrolling listings and start planning?
No obligation, no hard sell. Just a friendly conversation about where you’re at and what’s actually possible.
Or skip all of this and call James directly on 0405 069 441.