Support for Your First Step Into the Property Market

Buying your first home can feel like a big leap but it doesn’t have to be confusing. At Haus of Loans, we break it down step-by-step, using clear guidance, smart tools, and expert insights to help you get loan-ready with confidence.

Whether you're asking “how much can I borrow for my first home?” or “what government help can I get as a first home buyer?” This is the place to start.

What You’ll Learn Here

• How much you can borrow
  Understand your borrowing power with calculators and personalised assessments.

• How much deposit you need
  Learn the minimum deposit required (including 5% options) and the benefits of saving more.

• What documents are needed for a first home loan
  We’ll show you exactly what lenders look for.

• Step-by-step process to buying your first home
  From pre-approval to settlement, we’ll explain it all no jargon, just clarity.

• What home loan types are best for first home buyers
  Learn the pros and cons of fixed, variable, and offset loans.

• What government grants and schemes are available
  See if you qualify for the First Home Guarantee, FHOG, stamp duty exemptions, or shared equity programs.

Frequently Asked Questions

Q: How much deposit do I need for my first home?
A: Most lenders require at least a 5–10% deposit. However, with government schemes, you may be able to buy with less. A larger deposit often means lower repayments and interest savings.

Q: What’s the difference between pre-approval and full approval?
A: Pre-approval is conditional approval based on an initial assessment. It gives you a clear budget. Full approval happens once you've chosen a property and submitted final documents.

Q: Can I buy my first home with no savings?
A: You may be eligible for low-deposit home loans or guarantor options. We’ll help assess your situation and show what’s possible.

Q: Are there extra costs I need to plan for?
A: Yes, stamp duty, legal fees, inspections, and moving costs. We’ll walk you through a realistic budget so you’re not caught off guard.

Q: How do I know which loan is best for me?
A: We compare over 70 lenders to match your needs. But we’ll also explain your options in simple terms, so you feel in control.

Step Into Your First Home with Confidence

You don’t need to have it all figured out. You just need the right guidance to get started.
We work with first home buyers every day helping them feel clear, confident, and ready for what comes next.

Your journey starts when you’re ready, we’ll walk it with you.