First-home buyers · Australia-wide

Know your numbers before you fall in love with a property.

Ferdi turns the mortgage process into a practical plan: what you may be able to borrow, how much cash you need, which pathways may apply and what to do next.

Build my first-home plan

A clear first conversation. No pressure to proceed.

★★★★★5.0Google reviews via BrokerPages

“Reliable, responsive and caring.”

William NGoogle review

One broker. No call-centre hand-offs.Meet Ferdi

Individual experiences differ; lending outcomes and timelines vary.

The four-number check

A realistic budget is more than borrowing power.

Before viewing property seriously, we help you understand four numbers together—not in isolation.

Borrowing range

What lenders may offer based on income, expenses, debts and policy.

Usable deposit

Your savings after keeping aside purchase costs and a sensible buffer.

Upfront costs

Duty, conveyancing, inspections, lender costs and moving expenses.

Comfortable repayment

What works in your real life—not simply the maximum available.

Your first-home roadmap

Five stages. Your broker stays with you.

You can begin months before you plan to buy. Early preparation is often the easiest way to create more options later.

1
Prepare
Review savings, spending, existing debts and your likely purchase timing.
2
Set the range
Estimate borrowing capacity, cash required and comfortable repayments.
3
Compare
Research suitable lender policy and loan options for your circumstances.
4
Get purchase-ready
Arrange pre-approval where appropriate and understand its conditions.
5
Apply and settle
Coordinate the application, valuation, approval and settlement milestones.

Australia-wide starting points

The scheme that sounds best is not always the best fit.

Deposit size is only one factor. Property type, price, residency, lender participation and your longer-term plans can all change the answer.

Information checked 14 August 2026

From 5%

Government 5% Deposit Scheme

Eligible first-home buyers may purchase with a minimum 5% deposit, no income cap, no waiting list and no LMI. Location price caps apply.

Check Australian Government eligibility

Up to $50k

First Home Super Saver Scheme

Eligible buyers may release voluntary super contributions toward a first-home deposit, subject to annual and total contribution limits.

Check Australian Taxation Office eligibility

From 2%

Help to Buy shared equity

Eligible buyers may purchase with a minimum 2% deposit while the Government contributes part of the purchase price. Income and location price caps apply.

Check Australian Government eligibility

General information only. Eligibility and lending criteria apply. Always confirm current rules before committing to a purchase.

Avoidable surprises

Four mistakes that can make buying harder.

Searching before setting a real budget

An online calculator is a starting point, not a lender decision or a comfortable repayment test.

Using every dollar as the deposit

Keep purchase costs, moving expenses and an emergency buffer in the plan.

Changing jobs or taking new credit mid-process

A new car loan, credit card or employment change can alter a lender assessment.

Assuming all lenders assess you the same way

Income types, expenses, debts and genuine-savings rules can be treated differently.

Your next useful step

Find out what “ready to buy” looks like for you.

Start my quick enquiry [email protected]