First Home Buyer Specialists
Buying your first home is a monumental milestone. We guide you through government guarantee schemes, First Home Owner Grants (FHOG), stamp duty exemptions, and guarantor structures to get you into the market sooner.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
Access Government 5% Deposit Schemes
Purchase with as little as 5% deposit with zero Lenders Mortgage Insurance via federal guarantee allocations.
Stamp Duty Exemption Navigation
Save up to $30,000+ through state-based first home buyer stamp duty exemptions and concessions.
Guarantor Loan Structuring
Leverage equity in your parents' home to borrow up to 100% of the purchase price plus costs.
Dedicated Step-by-Step Mentorship
We explain contracts, strata reports, building inspections, and conveyancing so you never feel alone.
Calculate Your First Home Buyers Numbers
Test scenarios using real-time Australian lending criteria.
Stamp Duty & Government Levies Calculator
Configure your property details. Our broker team will evaluate state concessions, first home exemptions, and statutory fees.
NSW applies a 9% Foreign Buyer Duty Surcharge.
Request Stamp Duty & Grants Review
Our team will calculate your statutory duty, check all eligible first-home concessions & state grants, and contact you with the complete breakdown.
The First Home Buyers Approval Process
Savings & Scheme Check
We assess your savings and confirm your eligibility for state and federal grants.
Borrowing Power & Pre-Approval
We secure a formal pre-approval outlining your maximum purchase budget.
Property Search & Due Diligence
We review property contract clauses and valuation estimates before you make an offer.
Settlement & First Key Handover
We coordinate the grant payment, settlement payout, and celebrate your new home.
First Home Buyers Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.