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.

Home / Services / First Home Buyer Loans / Balcatta

Balcatta, WA

First Home Buyer Loans in Balcatta

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.

Book a Free Balcatta Consultation 0405 855 355

Why Balcatta buyers choose Matrix Finance for first home buyer loans

Located just minutes from our Osborne Park office, Balcatta and the surrounding inner north suburbs are home to many of our clients. We understand this market inside out.

Suburbs we cover around Balcatta: Balcatta, Stirling, Nollamara, Westminster, Dianella, Yokine.

What Balcatta clients get

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.

Local insight — Balcatta

Many Balcatta properties sit in the sweet spot for first home buyer concessions. We regularly help buyers in this area access the FHOG and stamp duty savings.

For more on the Balcatta market, see our Balcatta mortgage broker page. For the full service overview, see First Home Buyer Loans.