First Home Buyers
Step-by-step guidance from pre-approval to settlement.
Buying your first home is exciting - and a little daunting. We speak first-home in plain English, walk you through every government scheme you may qualify for, and make the whole journey as stress-free as possible.
No jargon overload. We explain deposits, LMI and government schemes in clear, simple terms.
Bringing a guarantor on board? We'll guide everyone through it so the whole family feels comfortable.
First Home Guarantee, FHOG and First Home Super Saver - we'll check every option you're eligible for.
We compare 30+ lenders and work to find loan options suited to your situation.
Quick answers
Do first home buyers always have to pay Lenders Mortgage Insurance (LMI)?
Not always. With a 20% deposit you avoid LMI, but eligible first home buyers can use the First Home Guarantee to buy with as little as a 5% deposit and skip LMI entirely - which can save thousands. We'll check what you qualify for.
How much deposit do I actually need as a first home buyer?
It depends on the property price, the lender, and whether you use a government scheme. Some eligible buyers get in with 5% (or 2% for single parents via the Family Home Guarantee). We'll run your numbers and show you a realistic minimum.
What government help is available for first home buyers in Queensland?
Depending on eligibility, that can include the First Home Guarantee, the First Home Owner Grant for new builds, the First Home Super Saver scheme, and stamp duty concessions. We'll walk you through which ones apply to you.
Is it free to use Fundi Finance as a first home buyer?
In almost every case, yes - the lender pays us a commission when your loan settles, so there's no cost to you, and we always disclose how we're paid up front.
Ready to talk to a real local broker?
Book a free 15-minute call with Brody - no obligation, no jargon, just clear advice on your options.