First home buyers loan - Nectar Mortgages

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Get the right loan for your first home

The government has a number of grants available for first home buyers like: The First Home Guarantee Scheme, The Family Home Guarantee Scheme and The First Home Super Saver Scheme.

There are also schemes that offer reductions and exemptions from stamp duty. With all this additional support, you could be much closer to owning a home than you think!

Select your state to see what’s available

Grant/Scheme	Details	Value
First Home Guarantee Scheme, Regional First Home Guarantee Scheme and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 50,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $900,000 for Sydney and regional centres. Property value must not exceed $750,000 for the rest of the state.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
First Home Owner Grant	New homes or substantially renovated homes ≤$600,000 New builds: combined home + land value $≤750,000	$10,000
First Home Buyer Assistance Scheme	New homes Stamp duty exemption ≤$800,000. Stamp duty reduction $800,000 - $1,000,000. Established homes Stamp duty exemption ≤$800,000. Stamp duty reduction $800,000 - $1,000,000. Vacant land Stamp duty reduction $350,000 - $450,000.	Tax savings depend on the value of your property.
Maximum total support available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	$10,000 + tax and insurance savings.

Grant/Scheme	Details	Value
First Home Guarantee and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $750,000.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
Home Buyer Concession Scheme	All property types at any price. A concession cap is implemented for the amount of tax that will be waived. You must have a household income up to $250,000 with no dependents. Eligible incomes increase relative to the number of dependent children under your care up to a maximum of $273,000	Capped at $34,270.
Maximum total support available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	$34,270 + other tax and insurance savings depending on the value of your property.

Grant/Scheme	Details	Value
First Home Guarantee and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $800,000 for Melbourne and regional centres. Property value must not exceed $650,000 for the rest of the state.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
First Home Owner Grant	New apartments, houses and townhouses ≤$750,000.	$10,000
Homebuyer Fund	State contributes funds in exchange for a share or proportional interest in the property. Eligible homebuyers can receive up to 25% of the home’s purchase price. You can buy with a 5% deposit. Aboriginal and Torres Strait Islander Victorians can receive up to 35% of the home’s value. Aboriginal and Torres Strait Islander Victorians can buy with a 3.5% deposit. Property value must not exceed $950,000 in Melbourne and Geelong. Property value must not exceed $700,000 in eligible regional areas. Ongoing obligations apply.	Insurance savings depend on property purchase price and other factors.
Stamp duty savings	New and established homes Stamp duty exemption ≤$600,000. Stamp duty reduction $601,000 - $750,000.	Tax savings depend on the value of your property. Further concessions and exemptions are available depending on other factors.
Maximum total support available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	$10,000 + tax and insurance savings.

Grant/Scheme	Details	Value
First Home Guarantee and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $600,000 for Adelaide and regional centres. Property value must not exceed $450,000 for the rest of the state.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
First Home Owner Grant	New homes off the plan, new builds or substantially renovated homes. Note there is no longer a property value cap for the First Home Owner Grant as of 6th June 2024.	≤$15,000
HomeStart	SA government backed lender only. You can avoid additional loan charges. Starter Loan of up to $10,000, seven-year term with no repayments or interest(it is a secondary loan type). Eligible if your household income is ≤$75,000 (singles) or ≤$100,000(couples). You will need to cover the deposit.	$10,000 (Must be paid back at completion of term).
Maximum total support available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	$25,000 + insurance savings.

Grant/Scheme	Details	Value
First Home Guarantee and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $600,000 for Hobart and regional centres. Property value must not exceed $450,000 for the rest of the state.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
First Home Owner Grant	New homes off the plan & new builds up to any value.	$10,000
Stamp duty savings	Established homes 50% discount when you buy a home valued <$750,000.	Tax savings depend on the value of your property.
Maximum total support available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	$10,000 + tax and insurance savings.

Grant/Scheme	Details	Value
First Home Guarantee and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $700,000 for Brisbane and regional centres. Property value must not exceed $550,000 for the rest of the state.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
First Home Owner Grant	New homes off the plan, new builds or substantially renovated homes ≤$750,000. Note the grant amount is $15,000 for contracts signed before 20.11.2023.	$30,000
Queensland housing finance loan	A low deposit loan for those who can afford to buy or build a home but aren’t able to get private finance from a lender. You must have a household income ≤$141,000. Covers established and new builds. You can buy a house with a 2% deposit or the difference between the max loan you can get and the purchase price. No LMI needed.	Insurance savings depend on property value.
Stamp duty savings	Vacant land Stamp duty exemption ≤$350,000. Stamp duty reduction $360,000 - $500,000 New and existing homes Stamp duty exemption ≤$650,000. Stamp duty reduction $650,000 - $730,000.	Tax savings depend on the value of your property.
Maximum total support available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	$30,000 + tax and insurance savings.

Grant/Scheme	Details	Value
First Home Guarantee and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $750,000.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
First Home Owner Grant	New homes off the plan & new builds up to any value.	$10,000
Maximum total support available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	$10,000 + insurance savings.

Grant/Scheme	Details	Value
First Home Guarantee and Family Home Guarantee Scheme	Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $600,000 for Perth and regional centres. Property value must not exceed $450,000 for the rest of the state.	Insurance savings depend on the value of your property.
First Home Super Saver Scheme	You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan.	Lower cash deposit required to buy.
Home Buyers Assistance Reimburse some costs associated with the purchase of your first home including mortgage registration fees, solicitor and/or conveyancing fees, valuation fees, inspection fees, mortgage insurance premiums and lender fees.	Property value ≤ $400,000	≤ $2,000
Keystart	A low deposit loan for those who don’t meet the requirements of mainstream lenders. Can buy a house with a deposit between 2% and 10% (subject to property location). No LMI needed. Must meet income limits (subject to property location). Property value ≤$650,000$ (subject to property location) Shared equity schemes available.	Insurance savings depend on property value.
First Home Owner Grant	For new homes only. South of 26th parallel: land and building value≤$750,000. North of 26th parallel: land and building value ≤$1,000,000.	$10,000
Stamp Duty Exemptions	Vacant land purchase to the value of ≤ $300,000 = pay no stamp duty, $300,000-$400,000 = reduced stamp duty. House purchase to the value of ≤ $450,000 = pay no stamp duty, $450,000 - $600,000 = reduced stamp duty.	Tax savings depend on the value of your property.
Total grants/discounts available ($)	Scheme eligibility may be subject to income caps, property value & other criteria.	≤ $12,000 + tax and insurance savings.

Select your state to see what’s available

NSW - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 50,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $900,000 for Sydney and regional centres. Property value must not exceed $750,000 for the rest of the state. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
New homes or substantially renovated homes ≤$600,000 New builds: combined home + land value $≤750,000 Value: $10,000
New homes Stamp duty exemption ≤$800,000. Stamp duty reduction $800,000 - $1,000,000. Established homes Stamp duty exemption ≤$800,000. Stamp duty reduction $800,000 - $1,000,000. Vacant land Stamp duty reduction $350,000 - $450,000. Value: Tax savings depend on the value of your property.
Maximum total support available ($) $10,000 + tax and insurance savings. Scheme eligibility may be subject to income caps, property value & other criteria.

ACT - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $750,000. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
All property types at any price. A concession cap is implemented for the amount of tax that will be waived. You must have a household income up to $250,000 with no dependents. Eligible incomes increase relative to the number of dependent children under your care up to a maximum of $273,000 Value: Capped at $34,270.
Maximum total support available ($) $34,270 + other tax and insurance savings depending on the value of your property. Scheme eligibility may be subject to income caps, property value & other criteria.

VIC - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $800,000 for Melbourne and regional centres. Property value must not exceed $650,000 for the rest of the state. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
New apartments, houses and townhouses ≤$750,000. Value: $10,000
State contributes funds in exchange for a share or proportional interest in the property. Eligible homebuyers can receive up to 25% of the home’s purchase price. You can buy with a 5% deposit. Aboriginal and Torres Strait Islander Victorians can receive up to 35% of the home’s value. Aboriginal and Torres Strait Islander Victorians can buy with a 3.5% deposit. Property value must not exceed $950,000 in Melbourne and Geelong. Property value must not exceed $700,000 in eligible regional areas. Ongoing obligations apply. Value: Insurance savings depend on property purchase price and other factors.
New and established homes Stamp duty exemption ≤$600,000. Stamp duty reduction $601,000 - $750,000. Value: Tax savings depend on the value of your property. Further concessions and exemptions are available depending on other factors.
Maximum total support available ($) $10,000 + tax and insurance savings. Scheme eligibility may be subject to income caps, property value & other criteria.

SA - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $600,000 for Adelaide and regional centres. Property value must not exceed $450,000 for the rest of the state. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
New homes off the plan, new builds or substantially renovated homes. Note there is no longer a property value cap for the First Home Owner Grant as of 6th June 2024. Value: ≤$15,000
SA government backed lender only. You can avoid additional loan charges. Starter Loan of up to $10,000, seven-year term with no repayments or interest(it is a secondary loan type). Eligible if your household income is ≤$75,000 (singles) or ≤$100,000(couples). You will need to cover the deposit. Value: $10,000 (Must be paid back at completion of term).
Maximum total support available ($) $25,000 + insurance savings. Scheme eligibility may be subject to income caps, property value & other criteria.

TAS - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $600,000 for Hobart and regional centres. Property value must not exceed $450,000 for the rest of the state. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
New homes off the plan & new builds up to any value. Value: $10,000
Established homes 50% discount when you buy a home valued <$750,000. Value: Tax savings depend on the value of your property.
Maximum total support available ($) $10,000 + tax and insurance savings. Scheme eligibility may be subject to income caps, property value & other criteria.

QLD - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $700,000 for Brisbane and regional centres. Property value must not exceed $550,000 for the rest of the state. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
New homes off the plan, new builds or substantially renovated homes ≤$750,000. Note the grant amount is $15,000 for contracts signed before 20.11.2023. Value: $30,000
A low deposit loan for those who can afford to buy or build a home but aren’t able to get private finance from a lender. You must have a household income ≤$141,000. Covers established and new builds. You can buy a house with a 2% deposit or the difference between the max loan you can get and the purchase price. No LMI needed. Value: Insurance savings depend on property value.
Vacant land Stamp duty exemption ≤$350,000. Stamp duty reduction $360,000 - $500,000 New and existing homes Stamp duty exemption ≤$650,000. Stamp duty reduction $650,000 - $730,000. Value: Tax savings depend on the value of your property.
Maximum total support available ($) $30,000 + tax and insurance savings. Scheme eligibility may be subject to income caps, property value & other criteria.

NT - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $750,000. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
New homes off the plan & new builds up to any value. Value: $10,000
Maximum total support available ($) $10,000 + insurance savings. Scheme eligibility may be subject to income caps, property value & other criteria.

WA - Grant/Scheme
Eligible buyers can purchase with a 5% deposit (lenders criteria apply). Eligible single parents can buy a house with a 2% deposit. No lenders mortgage insurance (LMI) needed. Up to 40,000 guaranteed loans per financial year (both schemes combined). Property value must not exceed $600,000 for Perth and regional centres. Property value must not exceed $450,000 for the rest of the state. Value: Insurance savings depend on the value of your property.
You can withdraw up to $15,000 per financial year, up to a total of $50,000 across multiple years for payment towards your home loan. Value: Lower cash deposit required to buy.
Property value ≤ $400,000 Value: ≤ $2,000
A low deposit loan for those who don’t meet the requirements of mainstream lenders. Can buy a house with a deposit between 2% and 10% (subject to property location). No LMI needed. Must meet income limits (subject to property location). Property value ≤$650,000$ (subject to property location) Shared equity schemes available. Value: Insurance savings depend on property value.
For new homes only. South of 26th parallel: land and building value≤$750,000. North of 26th parallel: land and building value ≤$1,000,000. Value: $10,000
Vacant land purchase to the value of ≤ $300,000 = pay no stamp duty, $300,000-$400,000 = reduced stamp duty. House purchase to the value of ≤ $450,000 = pay no stamp duty, $450,000 - $600,000 = reduced stamp duty. Value: Tax savings depend on the value of your property.
Total grants/discounts available ($) ≤ $12,000 + tax and insurance savings. Scheme eligibility may be subject to income caps, property value & other criteria.

How much deposit do I need?

If you qualify for the First Home Guarantee (FHBG) Scheme you could buy for as little as 5% deposit. That’s only $25,000 for a $500,000 home, or $40,000 for a $800,000 home!

See how we’ve helped first home buyers make their own nests

Kate and Tim were long-term renters with three children. They wanted to buy their first home but were nervous about the process and didn’t know where to start.

With their broker Emma, they discussed loan options for both established and new properties as well as the first home buyer support they were eligible to receive. With Emma’s help, they decided to build their own home, receiving the $25,000 Home Builder and $15,000 First Home Owner Grants. Emma found the family a loan package that allowed them to take advantage of low fixed rates once construction was complete, with a portion of the loan on a variable rate with an offset account, which will allow them to make additional repayments and pay off their loan faster.

They are now in the process of building their dream home!

Client names have been changed for privacy.

“Emma always presented herself as a confident, friendly professional. She is very welcoming and easy to work with, I think that is the secret of her success in business.”

Tim

Nectar broker: Emma Powell – QLD

Past performance does not guarantee future performance. Acceptance of offers/products advertised in reviews are not guaranteed to other individuals.

Nectar helped me to get my first home owner grant

Adam and Kerry wanted to build their first home with a house and land package but had trouble with the banks because Kerry was on JobKeeper payments and had used early access to her superannuation. Their broker Phil helped them get approved for a construction loan by submitting to multiple lenders and using the $15,000 First Home Buyer grants as well as a cash-gift from a relative to help with the deposit. Once the build is complete, they will be able to claim the $25,000 HomeBuilder grant and the couple could not be happier!

Client names have been changed for privacy.

“Phil never gave up on us with our journey in getting our home loan. He did all the hard work and thank you is not enough.”

Adam

Nectar broker: Phil McLaughlin - QLD

Past performance does not guarantee future performance. Acceptance of offers/products advertised in reviews are not guaranteed to other individuals.

Top 6

benefits of using a
Nectar broker

Qualifying you for first home owner schemes and helping you apply.

Help preparing all of your required loan documentation.

Going to over 50 lenders to find you the right loan.

Getting you a fully-assessed pre-approval, so you can house-hunt with confidence.

Manage all communications with your lender and keeping you updated every step of the way.

Care for you for the life of your loan, making you aware of opportunities to get a better rate.

First home loan basics

Nectar has a streamlined approach to getting you the right loan, where we do all the heavy lifting for you. Find out what you can expect when applying for your first loan by downloading the guide below.

Download

Below is the list of documents that most lenders will ask for:
Standard documents

Passport
Bank statements for the last six months as proof of savings
Your most recent credit card statement
Proof of income; either:
Two consecutive payslips showing year-to-date earnings OR
A letter from your employer confirming your salary, your last Group Certificate and your last Tax Assessment Notice

If you’re self employed

To verify your proof of income you will usually need to supply:

Your latest Tax Assessment Notice
Personal Income Tax Returns for the last two years
Tax returns and accounts for the last two years

To know how much you should offer, you need to ask yourself three questions:

How much can you afford to borrow?
How much is the property worth?
How much are you willing to pay to make sure you own this home?

To find out how much your repayments would increase if you raise your offer, download our offer guide below.

Aside from your personal savings, a deposit can come from a few different sources:

Using a family guarantor to secure the loan can reduce the deposit required.
A financial gift.
Many lenders will accept a First Home Owner Grant as part of a deposit.
With the First Home Super Saver Scheme, you can withdraw up to $50,000 towards your first deposit from your super.
The First Home Guarantee Scheme could allow you to buy with as little as a 5% deposit.
The Family Home Guarantee Scheme could allow you to buy with as little as a 2% deposit.

T&C’s apply. All loans are subject to suitability and a full review of your financial position will be undertaken prior to acceptance of offers.

First home buyers

Get the right loan for your first home

$10,000

$10,000

Capped at $34,270.

$34,270

$10,000

$10,000

≤$15,000

$10,000

$25,000

$10,000

$10,000

$30,000

$30,000

$10,000

$10,000

≤ $2,000

$10,000

≤ $12,000

First Home Guarantee Scheme, Regional First Home Guarantee Scheme and Family Home Guarantee Scheme

First Home Super Saver Scheme

First Home Owner Grant

$10,000

First Home Buyer Assistance Scheme

$10,000

First Home Guarantee and Family Home Guarantee Scheme

First Home Super Saver Scheme

Home Buyer Concession Scheme

Capped at $34,270.

$34,270

First Home Guarantee and Family Home Guarantee Scheme

First Home Super Saver Scheme

First Home Owner Grant

$10,000

Homebuyer Fund

Stamp duty savings

$10,000

First Home Guarantee and Family Home Guarantee Scheme

First Home Super Saver Scheme

First Home Owner Grant

≤$15,000

HomeStart

$10,000

$25,000

First Home Guarantee and Family Home Guarantee Scheme

First Home Super Saver Scheme

First Home Owner Grant

$10,000

Stamp duty savings

$10,000

First Home Guarantee and Family Home Guarantee Scheme

First Home Super Saver Scheme

First Home Owner Grant

$30,000

Queensland housing finance loan

Stamp duty savings

$30,000

First Home Guarantee and Family Home Guarantee Scheme

First Home Super Saver Scheme

First Home Owner Grant

$10,000

$10,000

First Home Guarantee and Family Home Guarantee Scheme

First Home Super Saver Scheme

Home Buyers Assistance Reimburse some costs associated with the purchase of your first home including mortgage registration fees, solicitor and/or conveyancing fees, valuation fees, inspection fees, mortgage insurance premiums and lender fees.

≤ $2,000

Keystart

First Home Owner Grant

$10,000

Stamp Duty Exemptions

≤ $12,000

How much deposit do I need?

See how we’ve helped first home buyers make their own nests

Top 6

benefits of using a Nectar broker

First home loan basics

How does the loan process work?

What documents do I need to provide?

Guide to making an offer

benefits of using a
Nectar broker