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First Home Buyer Loans in Perth

Buying your first home is exciting — and a little daunting. We walk you through deposits, grants, pre-approval and settlement so you move in with confidence.

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WA First Home Owner Grant

We help eligible buyers claim the $10,000 WA FHOG and stamp duty concessions.

Low deposit options

Loans from 5% deposit — and guarantor options where family can help.

We explain everything

No jargon. You'll understand every number on your loan before you sign.

How much deposit do I really need?

Most lenders prefer a 20% deposit to avoid Lenders Mortgage Insurance (LMI), but many first home buyer loans accept 5–10% deposits — especially under the Home Guarantee Scheme. We'll explain the numbers for your situation so you can decide what suits you.

First Home Owner Grant (WA)

If you're buying or building a new home in Western Australia valued under the threshold, you could qualify for a $10,000 grant. We check your eligibility and handle the paperwork as part of your application.

Stamp duty concessions

WA offers stamp duty concessions for eligible first home buyers. We can help you estimate any concession that may apply to your purchase before you bid.

Pre-approval in 3–5 days

With clean payslips and bank statements, we can typically get you pre-approved in under a week — so you can bid at auction or make an offer with confidence.

FAQs

Can I buy my first home with a 5% deposit?

It may be possible via the Home Guarantee Scheme or with Lenders Mortgage Insurance, subject to eligibility and lender approval. We can walk you through the options that may suit you.

Am I eligible for the WA FHOG?

Generally you must be buying or building a new home, be an Australian citizen or PR, and meet the property value cap. We check eligibility on your behalf.

Do I need a 20% deposit?

No. Many first home buyers get approved with 5–10%. 20% just avoids LMI, which isn't always the best financial decision anyway.