First Home Buyers

Your first home. Our full attention.

Buying your first home is one of the most significant decisions you will make. Our team guides you through every step - contracts, grants, stamp duty, and settlement - with clear advice designed for first-timers.

FHOG - up to $10,000

Stamp duty exemptions

First Home Guarantee

Plain English guidance

Available assistance

Grants and concessions that could save you tens of thousands

The Victorian and Federal governments offer multiple assistance programs for first home buyers. We identify every entitlement that applies to your situation and manage the applications as part of your matter.

$10,000

First Home Owner Grant (FHOG)

A $10,000 cash grant for first home buyers purchasing or building a new home valued up to $750,000. Must be your principal place of residence for at least 12 months. We submit the FHOG application on your behalf.

Stamp Duty Exemption

First home buyers in Victoria pay zero stamp duty on properties up to $600,000, and a concession applies on properties between $600,001 and $750,000. This saves tens of thousands of dollars for eligible buyers.

First Home Guarantee

Buy your first home with just a 5% deposit - the Federal Government guarantees up to 15% of the loan value, avoiding Lenders Mortgage Insurance (LMI). Administered through participating lenders. We advise on eligibility.

Our role

How we support first home buyers

We know that most first home buyers have never dealt with a contract of sale, a Section 32, or a conveyancer before. That is exactly why we work differently for first-timers - more explanation, more patience, more support.

Reviewing property documents in a warm office setting

Contract & Section 32 explained

We walk you through every document in plain English - what it means, what to look for, and what we recommend before you sign.

Warm suburban home with garden path, representing the home you have worked toward

Grant & concession management

We identify every scheme you may be entitled to - FHOG, stamp duty exemption, First Home Guarantee - and manage the applications so nothing is missed.

Established home with a well-kept garden, welcoming and settled

Responsive, accessible team

Questions come up all the time with a first purchase. We are available by phone and email throughout - no waiting for a callback days later.

Buying at auction? There is no cooling-off period when you purchase at auction. The contract is unconditional from the moment you sign. We strongly recommend engaging us before auction day to review the Section 32 and advise on any risks - so you can bid with confidence.

Pre-contract advice - before you sign anything

Section 32 and contract review in full

FHOG application lodgement

Stamp duty exemption or concession advice

All required title searches

Lender and mortgage coordination

PEXA electronic settlement

Post-settlement title registration confirmation

Federal Government Scheme

The First Home Guarantee - buy sooner with 5%

Under the First Home Guarantee (FHBG), eligible first home buyers can purchase a property with a deposit as low as 5% - with the Federal Government guaranteeing up to 15% of the purchase price. This removes the need for Lenders Mortgage Insurance, which can cost thousands of dollars.

Minimum deposit required

Lenders Mortgage Insurance

35K

Places available nationally per year

Income and property price caps apply. We advise on eligibility as part of your first conversation.

Questions answered

First home buyer FAQs

To qualify in Victoria, you must be buying or building a new home (not an established property) valued at $750,000 or less, you must be an Australian citizen or permanent resident, you must be over 18, and neither you nor your spouse can have previously owned a home in Australia. We confirm eligibility at your initial consultation.

Yes - established properties are eligible for the stamp duty exemption and concession, and the First Home Guarantee. However, the $10,000 FHOG is only available for new homes. We advise on exactly which concessions apply to your specific purchase at your first conversation.

For properties up to $600,000, first home buyers pay zero stamp duty in Victoria - saving up to approximately $31,000. For properties between $600,001 and $750,000, a concession applies on a sliding scale. We calculate your exact saving as part of your consultation and confirm eligibility before you proceed.

Your first home. Our full attention.

Grants and concessions that could save you tens of thousands

How we support first home buyers

Contract & Section 32 explained

Grant & concession management

Responsive, accessible team

The First Home Guarantee - buy sooner with 5%

First home buyer FAQs

Ready to start your journey? Let's talk.