First Home Buyers Brisbane & Across Australia
Welcome to Your First Home Buying Journey!
Buying your first home is one of life’s biggest milestones, exciting, but often overwhelming. At FINANS Brokers, we specialise in helping first home buyers in Brisbane and across Australia navigate the process with confidence. From your very first question to the moment you get the keys (and beyond), we’ll be in your corner making sure the journey feels clear and achievable.
Step 1: Understand Your Finances
Before you start scrolling through property listings, it’s important to know where you stand financially. As your mortgage broker, we’ll help you:
Review your income, expenses, and savings
Work out your borrowing power
Understand how much deposit you’ll need
Set a realistic budget for your first home
This clarity up front means you can focus on homes that truly suit your lifestyle and financial comfort zone.
Step 2: Saving for Your Deposit
Traditionally, buyers needed a 20% deposit to avoid Lenders Mortgage Insurance (LMI). These days, there are more flexible options for first home buyers, including:
5% deposit loans through the First Home Guarantee Scheme (FHG), helping you get into the market sooner and avoid LMI.
Tailored savings strategies to help you grow your deposit faster.
Options for guarantor loans where family support is available.
We’ll explore the best path for your circumstances and goals.
Step 3: Government Schemes & Grants
As a first home buyer in Queensland or anywhere in Australia, you may be eligible for powerful government assistance, including:
First Home Guarantee Scheme (FHG): From October 2025, unlimited spots, no income caps, and higher price caps (up to $1M in Brisbane and other capital cities such as Sydney up to 1.5M , $700k in regional areas).
First Home Owner Grant (FHOG): A one-off grant for new homes (state-specific).
Stamp duty concessions: Significant savings for eligible first home buyers.
Our team will check your eligibility and make sure you don’t miss out on thousands of dollars in support.
Step 4: Choosing the Right Loan
Every first home buyer’s needs are different, that’s why comparing lenders and loan structures matters. We’ll guide you through:
Principal & Interest loans: build equity and pay off debt steadily.
Interest-only options: lower initial repayments in certain cases.
Fixed vs Variable rates: stability versus flexibility.
Offset accounts and redraw: smart tools to help you save interest and repay faster.
As your broker, we negotiate with lenders, handle the paperwork, and ensure the loan works for you today and in the future.
Step 5: Don’t Forget the Extra Costs
Buying your first home involves more than just the deposit. You’ll need to budget for:
Stamp duty (less if you’re eligible for concessions)
Building & pest inspections
Legal / conveyancing fees
LMI (if applicable)
Moving costs & home insurance
We’ll give you a clear breakdown so there are no surprises along the way.
Step 6: The Home Buying Process
Here’s how the journey typically unfolds with FINANS by your side:
Pre-approval: Get clarity on your borrowing power and confidence as a buyer.
Property search: Start house-hunting within your budget, knowing your numbers are solid.
Making an offer: We’ll guide you through negotiations so you can buy with confidence.
Settlement: Finalise your loan, complete inspections, and celebrate the keys being handed over.
Ongoing Support Beyond Settlement
At FINANS, we don’t disappear after settlement. We check in regularly with 6 monthly & annual loan reviews, keep you updated on interest rate movements and RBA decisions, and help you plan strategies like refinancing or upgrading down the track. You’re not just a client, you’re part of the FINANS family.
Ready to Buy Your First Home?
If you’re ready to start your first home buyer journey in Brisbane or anywhere in Australia, FINANS Brokers is here to make the process easy, stress-free, and successful.
Contact us today for a free consultation and let’s make your dream of homeownership a reality.