First Home Buyer Loans
The Australian Government’s First Home Guarantee — also known as the 5% Deposit Scheme — lets eligible first home buyers purchase with as little as a 5% deposit and no Lenders Mortgage Insurance. Combined with state grants and stamp duty concessions, it can bring your first home forward by years. We’ll check your eligibility and compare lenders on our panel for you.
What's available to first home buyers
First Home Guarantee
Buy with as little as a 5% deposit and no Lenders Mortgage Insurance, subject to price caps and eligibility.
First Home Owner Grant
A one-off state government grant available on eligible new or newly built homes.
Stamp Duty Concessions
Full or partial stamp duty exemptions for first home buyers in most states and territories.
First Home Super Saver Scheme
Put voluntary super contributions toward your deposit and withdraw them when you buy.
Estimate Your Deposit
Estimate only, not financial advice. Under the First Home Guarantee, eligible buyers may need just a 5% deposit with no Lenders Mortgage Insurance, subject to price caps and eligibility criteria. Talk to us to check your eligibility →
Ready to buy your first home?
Get in touch for a no-obligation chat about your first home loan.