affordable ways to
own your first home
Owning your first home starts with feeling overwhelmed, and ends with feeling over the moon. You wave goodbye to nosey inspections and hello to your new favourite landlord – YOU.
But if crunching the numbers has you feeling the crunch, stress less. Making the process as simple as possible just happens to be our specialty. See below for advice to make things easy as 1-2-3.
anthing's possible
finance process
Step 1: Can I get a loan?
Home loans are like romantic partners: we all need something different!
They’ll be around for a while, so choose carefully! Our super-friendly in-house finance team will make things as easy as possible by understanding your needs so you feel right at home with your home loan.
Step 2: How much can I get?
Your loan is like a tailor-made suit, only instead of chests and arms, we measure savings and earnings.
From there, we‘ll have you looking flash and feeling fantastic with a loan that fits just right.
Step 3: How am I going to pay for it?
It’s important not to bite off more than you can chew.
You’ll be chewing your home loan for a while! Calculating the payments you can manage, will help determine your price range and what kind of loan you need.
FHOC
easy finance
get into your home sooner
Low Deposit Home Loans
Even without smashing a smashed avo every morning, saving a deposit can be difficult. Between rent, bills and everyday living expenses, mustering that mountain of moula might seem out of reach. Has the rent trap got you for good? Not on our watch.
It’s possible to secure a home loan with a low deposit. Homeownership may be closer than you think!
GRANTS HELP MAKE
THE MOVE THAT LITTLE BIT EASIER
Government Grants
If you plan to live in your first home, you could be eligible for the First Home Owners Grant (or FHOG to the cool kids).
That’s up to $10K!
You could also have your Stamp Duty, the government’s tax on house purchases, waived. Waive hello to a tax-free home!
The government often creates new grants and schemes to help aspiring home owners, so keep an eye out and make sure you know what assistance you’re entitled to.
HERE TO ASSIST YOU
INTO YOUR NEW HOME
Home Start Assistance
There are hurdles on the path to homeownership.
Think of First Home Owners Centre as a secret trampoline, launching you over any obstacle.
Here are just three ways we help:
- Debt Assist Scheme
- Deposit Assist Scheme
- Rent Assist Scheme
Debt Assist Scheme
Home loans are daunting enough without other debts weighing you down.
If you need to get on top of debts before the home owning dream gets underway, First Home Owners Centre can lighten the weight to shorten your wait. Our Debt Assist scheme covers a certain amount of debt to help get you out of trouble and in control.
Deposit Assist Scheme
Then comes the deposit.
If there’s more moths than money in your wallet, our Deposit Assist scheme can help you gather the deposit for a home. If you’re currently making regular rent payments, chances are you’re eligible for this renters’ rescue.
Rent Assist Scheme
If you choose to build, you’ll need somewhere to live while your home sweet home is brought to life. But financing a place to sleep WHILE financing the place of your dreams is no mean feat.
Keystart Home Loans
A little help from Keystart Home Loans can bring you to that memorable moment faster and easier. Their low deposit home loans without lenders mortgage insurance lower the barrier to homeownership, so you can wait less and live more.
With just a 2% deposit needed, perhaps your home owning journey starts with Keystart.
Join our journey
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