First Home Owner Loans

Buying Your First Home Starts Here
Purchasing your first home is an exciting milestone, often reflecting years of hard work and saving for a deposit. With various government incentives and discounted interest rates from many lenders, now is a fantastic time to take the next step towards homeownership. To qualify for the government first homeowner grant as a first-time homebuyer, you must either build a new home (with a house and land contract) or purchase a newly established property that has not yet been lived in. If you prefer to buy an existing home sooner, you can still proceed but will forfeit eligibility for government grants. Please note that these grants are a one-time benefit and won't apply if you decide to build a new home later on.
However, not all first-time buyers will qualify for this government grant, as there are specific eligibility criteria. These requirements may vary between states, but here are the general conditions that most states have in common:• You must be over 18 years old.• You must be an Australian citizen or permanent resident (or applying with someone who is).• Neither you nor your partner should have owned property in Australia before.• The grant is not available for investment properties.• The property must be your principal place of residence for at least 12 months after settlement, with continuous living for a minimum of 6 months within that time.• The home must be new and never lived in or sold as someone else’s residence at the time of completion. If you're thinking about purchasing your first home but are unsure of how much deposit you'll need, your borrowing capacity, potential stamp duty and legal costs, or what grants you may be eligible for, I’m here to help. I’m happy to assist you in determining your eligibility for government grants and loan products, helping you get on the path to homeownership. Ready to take the next step toward owning your home? Get in contact using the form below.

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Construction Loans
Established Home Loans
Fixed Rate Home Loans
Variable Rate Home Loans

Starting the Home Buying Process

01.
Save For A House Deposit Or Ask Family For Help
There are several ways to secure your new home, from actual cash savings to guarantor loans or family gifts. Get in touch with me for more details.
02.
Work Out What You Can Afford To Borrow
By entering your income and expenses into my calculators, you can determine your borrowing capacity and eligibility before you even begin your property search.
03.
Research The Market And Find Your Best Rate
As a financial broker, I have the ability to compare hundreds of loan products from over 20 accredited lenders, helping you find the best options that suit your needs.
04.
Start Searching For Your New Home
Now that you know your borrowing capacity and estimated repayments, you can confidently begin searching for your new home, fully aware of your price range.

Contact The Wandering Broker

I'm available in the office Monday to Friday, from 8am to 4pm. Outside of these hours, including weekends and public holidays, my office will be unattended, and my emails will not be monitored. If you need to reach me urgently during this time, please send a text message to the mobile number below, and I'll get back to you as soon as I can.
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Kelly Bowles - The Wandering Broker Mobile: 0487 279 952 Email: info@thewanderingbroker.com.au Post: PO Box 7278 Loganholme QLD 4129 Disclaimer | Privacy Statement © Copyright 2025 The Wandering Broker all rights reserved.
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TWB CO PTY LTD trading as The Wandering Broker Australian Credit Representative Number: 555660 ABN: 97 238 027 627 ACN: 673 504 008 Kelly Bowles, trading as The Wandering Broker, is authorised as a Australian Credit Representative to engage in credit activities on behalf of Vow Financial Pty Ltd ABN 55 138 789 161 (Australian Credit Licence Number 390261).