First Home Purchase

Buying your first home is exciting — but it can also feel like a maze of deposits, grants, and bank jargon.
The key is getting the structure, strategy, and timing right from the start — so you’re set up for long-term success, not short-term stress.

Book a chat to learn how to navigate your first purchase with confidence:

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• Deposit Planning – how much you really need (and how to make your savings work harder).

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• First Home Guarantee (FHBG) & State Grants – understanding which schemes you qualify

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• LMI Explained – What it costs, when it applies, and when it might make sense to pay it.

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• Gifted Funds & Family Assistance – how to use them correctly without delays.

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• Pre-Approval Process – what the bank actually checks and how to prepare.

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• Purchase Costs – stamp duty, legal fees, and other costs most people overlook.

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• Choosing Fixed vs Variable – why flexibility sometimes matters more than the rate.

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• Accounts & Splits – setting up the right accounts to save interest from day one.

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• Avoiding Common Traps – like using the wrong account for your savings or changing jobs mid-application.

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• Planning Ahead – structuring your first loan so it supports future goals (like upgrades or investments).

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Getting into your first home is a big step — but it doesn’t have to be a leap in the dark.

Talk to an expert and start your journey with the right plan and structure in place.