First home buyers
First Home Buyers
Your first home, explained in plain English.
Buying your first home can feel overwhelming. I walk you through deposits, the grants and schemes in your state, and the whole process step by step — wherever in Australia you're buying.
Who it's for
- First-time buyers saving a deposit and unsure where to start
- Buyers wanting to understand the grants and stamp duty rules in their state
- Anyone who wants the process explained without jargon
How Rejoice helps
- Explain how much deposit you really need and what affects borrowing power
- Point you to first-home grants and schemes you may be eligible for
- Compare first-home-friendly loans across my panel
- Guide you from pre-approval through to the keys in your hand
The process
How first home buyers work with me
- 1
Learn the basics
I explain deposits, LMI, grants and what lenders look for.
- 2
Check eligibility
I help you understand which grants and schemes may apply.
- 3
Pre-approval
I get you pre-approved so you can shop with confidence.
- 4
Buy & settle
I support you through the offer, approval and settlement.
Good to know
First Home Buyers — common questions
What government help is available for first home buyers?
Support can include the First Home Owner Grant and stamp duty relief for eligible buyers, plus national schemes such as the Home Guarantee Scheme. Eligibility and amounts change over time — I'll point you to the current rules and official sources for your situation.
How much deposit do I need as a first home buyer?
Some loans allow a deposit from around 5%, and certain government guarantee schemes can reduce the deposit needed without LMI for eligible buyers. A larger deposit generally means lower repayments and fewer costs.
What is Lenders Mortgage Insurance (LMI)?
LMI is insurance that protects the lender (not you) when you borrow with a smaller deposit, usually below 20%. It's a cost to you and can be paid upfront or added to the loan. Some buyers avoid it through a guarantor or an eligible scheme.
Explore
Other ways I can help
Ready to see what's possible?
Start your enquiry online or book a chat. It's free, friendly and there's no obligation.