Home loans for
First Home Buyers

We guide you every step of the way so that you can get your first home sooner.

  • Personal loan advice
  • 1-1 broker time to answer any questions
  • Learn about the first Home Owners Grant
  • Access to network of conveyancers, insurance providers and property partners to make your purchase even easier

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    Buying your first home is an exciting time, but it can also be challenging if you don’t know where to start.

    Understanding the home buying process and real estate terminology can be difficult and, with property prices high in many parts of the country, buying a home can be very expensive so it’s important to get it right.

    Prime Loans can help you:

    1. Set a budget for your first home
    2. Grants and incentives first-home buyers get
    3. Getting the loan
    4. Putting you in touch with industry professionals who can guide you through property selection

    Learn throughout your journey with Prime Loans

    First Home Owner Grant

    Loan to Value Ratio

    No Deposit Loans

    Principle vs Interest Only Loans

    Our 5 Star Google Review

    It's simple, our customers are saying great things about us because we deliver a better service, transparent communication at each stage of the process and get the right loan for your situation.

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    We work with the largest panel of lenders in the country

    We negotiate better rates with more than 35 lenders for you.

    Frequently Asked Questions

    What is first home owners grant?

    The First Home Owner Grant (FHOG) scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It is a national scheme funded by the states and territories and administered under their own legislation.

    Under the scheme, a one-off grant is payable to first home owners that satisfy all the eligibility criteria.

    Is the first home owners grant different for each state?

    Yes. Each state has their own grant so there are differences. 

    How does the first home owners grant work?

    It's fairly straight forward. If you are eligible, there is a bit of paperwork to go through which Prime Loans can do and then you receive one off payment from the government. 

    Can first home owners grant go towards my deposit?

    Yes, you can use the First Home Owner Grant (FHOG) as part of your deposit but you will usually need to have existing savings as the FHOG alone is rarely enough to cover a deposit.

    Does first home owners grant apply to apartments?

    Yes, a first home buyer is entitled to the grant regardless of the property type. 

    Does first home owners grant apply to land?

    Please speak to Prime Loans and we will guide you through this answer as each state has different requirements for the First Home Owners Grant Scheme (FHOGS)

    What can first home owners grant be used for?

    Whatever you wish as there are no restrictions on how you can spend your money. 

    How do I know whether I am eligible for the first home owners grant??

    Please call Prime Loans and we can answer all your questions and help check your eligibility. 

    Talk to Prime Loans Today

    We will help you search, choose and settle your loan. 

    Credit Representative 509436 is authorised under Australian Credit Licence 389328.

    Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

    Lenders terms, conditions, fees and charges may apply.