First Home Buyers

First home buyer help that makes the process feel clearer.

Buying your first home is exciting, but it can also feel confusing. Freedom Financing helps first home buyers understand borrowing capacity, deposits, government schemes, lender options and the steps involved from first chat through to settlement.

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Start early

You do not need to have everything figured out

Many first home buyers wait too long before speaking to a broker because they think they need the perfect deposit, a property picked out or every document ready.

You do not.

An early conversation can help you understand what may be possible, what still needs work and what steps to take before you start making offers.

Freedom Financing helps you get clear on your position before the pressure of contracts, agents and deadlines starts.

Guidance

What a broker helps with

A mortgage broker helps you understand your options before you apply for a home loan.

For first home buyers, that can include working through borrowing capacity, deposit requirements, lender policy, repayments, loan features, government schemes and what documents may be needed.

Freedom Financing helps compare suitable lenders, explain the trade-offs and guide you through the process in plain English. We can also help connect you with other relevant professionals, such as a conveyancer, building and pest inspector, accountant, financial adviser or buyer’s agent where needed.

The numbers

Deposit, costs and borrowing capacity

Your deposit is only one part of buying your first home.

It is also important to understand stamp duty, lender fees, conveyancing, building and pest inspections, moving costs, lenders mortgage insurance, government support and how much you may be comfortable repaying.

Freedom Financing helps you estimate the numbers early, so you can understand your borrowing position before you fall in love with a property.

Support schemes

First Home Guarantee and support schemes

First home buyer support can make a meaningful difference, but the rules, limits and eligibility requirements can change.

Depending on your situation, you may be able to access support such as the First Home Guarantee, stamp duty concessions, grants or other first home buyer assistance. The right option depends on eligibility, property type, purchase price, location, lender participation and current scheme rules.

Freedom Financing helps you understand which options may apply, what the trade-offs are and how support schemes fit into the wider lending strategy.

Pre-approval

Pre-approval and making offers

Pre-approval can help first home buyers shop with more confidence, but it is not a guarantee of final approval.

A lender still needs to assess the property, verify the final details and confirm nothing material has changed before unconditional approval.

Freedom Financing helps you understand what your pre-approval means, what conditions may apply and what to consider before making an offer or signing a contract.

The right team

Conveyancer, building and pest, and the right advice early

The right advice early can help first home buyers avoid expensive mistakes.

A conveyancer can help review contracts and explain legal obligations. A building and pest inspector can help identify issues with the property before you commit. An accountant or financial adviser may also be useful depending on your wider situation.

Freedom Financing helps guide the lending process and can help connect you with the right professionals where needed, so you are not trying to work everything out alone.

Process

How the first home buyer process works

A clear process helps you understand your position, prepare for pre-approval and move towards settlement with more confidence.

Step 1

Understand your position

We look at your income, deposit, savings history, debts, expenses and what you are hoping to buy.

Step 2

Work through your options

We compare borrowing capacity, lender options, government support, repayments, costs and what may need to happen before you apply.

Step 3

Prepare for pre-approval

We help gather the right documents, prepare the application and explain what the pre-approval does and does not mean.

Step 4

Support you through purchase and settlement

Once you find a property, we help manage the lending process through formal approval, loan documents and settlement.

Common questions

First home buyer FAQs

Clear answers before you start making offers or signing contracts.

A mortgage broker is typically paid by the lender, which means our service is usually free to you. For more complex lending, there may be an additional charge, but we will raise this early and provide written confirmation before we proceed.

It depends on the lender, property price, government support, savings history and whether lenders mortgage insurance applies. Some buyers may be able to buy with a smaller deposit, but the right option depends on eligibility and lender policy.

In most cases, yes. Pre-approval can help you understand your borrowing range and shop with more confidence, but it is not a guarantee of final approval.

You may be able to, depending on eligibility, property price, location, income, lender participation and current scheme rules. We can help you understand whether it may fit your situation.

Common costs include stamp duty, conveyancing, lender fees, building and pest inspections, moving costs, government charges and lenders mortgage insurance where applicable.

Early. You do not need to have a property picked out first. A broker can help you understand your position before you start making offers or signing contracts.

Ready to get clear?

Ready to understand your first home options?

Book a call or send us a message and we’ll help you understand your borrowing position, deposit options, support schemes and next steps before you start making offers.

Send us a message