First Home Buyers
Your first home is more than a purchase
When Dream seem too real
At Aussie Gateway Mortgages, we specialise in supporting first home buyers through every stage of the journey. From understanding how much you can borrow, to accessing government grants, and securing the right home loan, we provide step-by-step guidance with clarity and care.
We know this is one of the biggest financial decisions you will make. That is why we make it our mission to ensure the process is simple, transparent, and tailored to your goals.
How We Help First Home Buyers
We understand the emotional and financial complexity of buying your first home. Our goal is to remove the stress and replace it with knowledge and confidence.
We begin by understanding your financial situation, your ideal property, and your long-term goals. We take the time to explain the lending process clearly and offer recommendations based on your income, savings, and future plans.
We help you understand how much you need to save, how much you can borrow, and which lenders offer solutions aligned with your deposit size and employment type. Whether you have a small deposit, a guarantor, or variable income, we will find options that work for you.
There are a number of grants and schemes available to first home buyers in Australia. We help you determine your eligibility and assist with applying for programs such as:
- First Home Owner Grant (FHOG)
- First Home Guarantee (formerly First Home Loan Deposit Scheme)
- Stamp duty concessions or exemptions
- State and regional first home buyer support packages
We compare home loans from over 30 lenders, including major banks and specialist lenders. Our focus is not just on the interest rate, but also on fees, loan features, flexibility, and long-term suitability.
We prepare and submit your application to the chosen lender, handling all the paperwork and communication. We will also secure a pre-approval if you wish to shop with confidence before making an offer on a property.
Once your loan is approved, we guide you through to settlement day. We work with your solicitor, conveyancer, and real estate agent to ensure everything is in place. You will never be left wondering what happens next.
Our Finance Support Process
Step 1
Understand Your Goals
We begin with a personalised consultation to understand your financial position, lifestyle, and future plans. We explain the home buying process clearly and provide an outline of your next steps — including deposit targets, borrowing potential, and eligibility for government support.
Step 2
Compare and Recommend Options
Using our panel of over 30 lenders, we research and compare suitable loan options. We consider interest rates, loan features, and long-term affordability. We also identify any grants, concessions, or guarantees you may qualify for and help you apply.
Step 3
Secure Pre-Approval and Submit Application
We prepare a strong application and manage communication with the lender to secure pre-approval. Once you find your ideal property, we finalise the paperwork and move your application through to full approval.
Step 4
Settle with Confidence
We coordinate with your conveyancer and lender to ensure settlement runs smoothly. We also remain available beyond settlement to answer questions, review your loan, and support your future financial goals.
How much deposit do I need?
Most lenders prefer a 10 to 20 percent deposit. However, if you are eligible for the First Home Guarantee, you may be able to purchase with as little as 5 percent without paying Lenders Mortgage Insurance.
What if I have a guarantor?
Having a guarantor can help you purchase a home with a lower deposit or avoid Lenders Mortgage Insurance. We can help you understand how it works and how to protect your guarantor’s interest during the process.
Can I buy a home if I am self-employed or on a casual income
Yes. We work with lenders who offer home loan solutions for self-employed borrowers and those with non-standard income. We can guide you on how to structure your application to maximise your borrowing power.
Why First Home Buyers Trust Aussie Gateway Mortgages
We take the time to explain every step. We prioritise your long-term financial wellbeing. We know how to structure home loans for different employment types and savings levels. We advocate for you from day one to settlement. We stay by your side beyond your first home, helping you plan for future financial goals