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First-home Buyers & Government Scheme Incentives
Buying your first home? We make the buying process simple, supportive & empowering.
Home Page > Home Loans > First Home Buyers and Government Scheme Incentives
First-Home Loans with Confidence
Buying your first home? We make the buying process simple, supportive & empowering.
/ Benefits
Why
Choose Us
We Simplify the Process
So you don’t have to navigate confusing loan options alone.
Local Sydney Knowledge
We know the suburbs, market conditions, and what lenders expect here.
End-to-End Support
From pre-approval to settlement, and beyond.
Tailored Advice for First-Time Buyers
Low deposit, grants, eligibility, and repayments, all explained in plain English.
Personal, Human-First Service
We treat you like a client, not a file.
First-Home Buyer Challenges
And How We Help
01
I don’t know what loans I qualify for.
We assess your borrowing power, deposit, income, and debts, then show you realistic borrowing options.
02
There are too many loan types and lenders, so which is right for me?
We compare dozens of lenders and shortlist the few that suit your financial situation, not just mass-market loans.
03
I don’t have a big deposit or a perfect credit history.
We advise on deposit strategies, government grants/first-home incentives, and tailored low-deposit or low-doc loan options.
04
The paperwork is overwhelming: forms, documents, disclosures…
We guide you step-by-step, help gather and organise documents, and handle submissions with lenders.
05
I’m not sure about repayments. Can I afford this long-term?
We run repayment simulations, deposit/budget planning, and forecast repayment scenarios with different interest-rate/loan structures.
06
What if I don’t get approved or the property falls through?
We support you through pre-approval, conditional approval, and help you choose a realistic property price range you can manage
Finance That Grows with Your Life
We Handle the Loans, So You Live Your Life.
Your Investment Loan &
Our 5-Step Process
Free Initial Chat & Borrowing Assessment
We discuss your income, savings, deposit, lifestyle, and goals, and give you a realistic borrowing estimate.
Loan Options & Strategy Session
We compare lenders, loan structures, repayment types, and recommend the best fit for you.
Pre-Approval & Budget Planning
Get pre-approved so you can shop with confidence, knowing exactly what you can afford. We also help you plan for deposits, costs, and repayments.
Full Application & Settlement Support
We lodge your application, handle paperwork, liaise with valuers, solicitors, and lenders, and keep you informed at every step.
Post-Settlement Review & Future Planning
After the settlement, we stay in touch. When interest rates change, or you want to grow (investment, upgrade), we review your loan to ensure it still works for you.
You Relax.
We Do the Rest.
What You Get
When Work with Us
Pre-approval and borrowing capacity check
Access to a wide panel of lenders
Personalised loan roadmap from start to settlement and beyond
Guidance on first-home buyer grants & incentives
Low-deposit / low-doc / self-employed-friendly options (if applicable)
Clear explanation of all costs
Professional documentation support & application handling
Tailored loan structuring
First Home Buyer Loans
5% Deposit Scheme, Grants & Stamp Duty Support
Buying your first property is a major milestone, but navigating a first-home buyer home loan can feel confusing. Between saving a deposit, understanding lenders’ mortgage insurance (LMI), and keeping up with changing government policies, many first home buyers delay their purchase simply because they’re unsure where to start.
Choosing the wrong structure or missing available support can cost thousands. Without proper guidance, you could pay unnecessary LMI, overlook a stamp duty concession in NSW, or miss eligibility for national schemes like the First Home Guarantee. That’s why structuring your first home loan correctly from day one is critical.
A strong pre-approval for first home buyers is the foundation. It confirms borrowing capacity and strengthens your negotiating power. But beyond approval, there are several government initiatives designed to reduce upfront costs and improve accessibility.
Understanding how these schemes interact with lender policy is essential. For example, the First Home Guarantee can help avoid lender’s mortgage insurance (LMI), but lender credit criteria still apply. Eligibility rules vary based on income caps, property value limits, and location.
We support first home buyers by:
- Assessing full first home buyer eligibility across national and state schemes
- Structuring competitive first home buyer home loan options
- Explaining how LMI, stamp duty, and grants affect total upfront costs
- Managing pre-approval first home buyer applications correctly
- Comparing loan features, including offset accounts and fixed vs variable options
- Our focus is clarity and structure. We explain the difference between the
- First Home Guarantee, FHSS, FHOG, stamp duty concessions, and LMI in simple terms, so you know exactly what applies to your situation.
- If you’re wondering, “Am I eligible for the 5% Deposit Scheme?” or “What grants or stamp duty help apply in my state?”, we’ll assess your position carefully and guide you step by step.
Start your first home journey with confidence and ensure you’re not leaving government support or savings on the table.
- The First Home Guarantee, allowing eligible buyers to purchase with as little as a 5% deposit scheme without paying LMI
- The First Home Owner Grant (FHOG) provides financial assistance for eligible new builds
- The First Home Super Saver Scheme (FHSS) helps you use super contributions toward your deposit
- State-based support, such as stamp duty concessions in NSW and other regional benefits
/ FAQ
Your Questions Answered
How much deposit do I really need?
That depends on the property price and the lender. While 20% is ideal (to avoid Lenders Mortgage Insurance), many lenders and schemes, such as the First Home Guarantee, can allow entry with as little as 5%. We’ll help you understand if you qualify.
What government grants or incentives are available?
There are various grants, stamp duty concessions, and deposit-assistance options available depending on your situation and property value. We’ll walk you through what you qualify for and how it affects your loan.
Will my loan repayments stay affordable if interest rates rise?
We run repayment stress tests under different interest-rate scenarios, so you understand the worst-case repayments before you commit.
What documentation do I need before applying?
An ID, income proof (payslips or tax returns if self-employed), bank statements, savings/ deposit records, expense overview, and other asset/liability details. We give you a full checklist, so you’re always prepared.
Does it cost me anything to use Nadaya Financial?
In most cases, our broker service is free for clients. We get paid by the lender once your loan settles, not by you.
Your Journey
Starts Here
Ready to talk?
Whether you know what you want or don’t know where to begin, we’re here to help.
Call Us On
1800 623 292
Let's
Explore Your Options
We’re here to help.