Buying your first home is a major milestone—but navigating home loans, deposits, and government schemes can quickly become overwhelming.
At Ingram Financial, we help first home buyers across Australia secure the right home loan with confidence. Whether you’re purchasing in Sydney, regional NSW, or interstate, we guide you from pre-approval through to settlement.
Taking the headaches out of first home buyer home loans
Australia-Wide Mortgage Broker Support
We work with first home buyers across Australia, providing expert guidance regardless of location.
While we’re based in the Sutherland Shire in Sydney, our clients come from
With phone, video, and digital applications, the entire process can be handled remotely—without needing to visit a branch.
How Much Can You Borrow as a First Home Buyer?
Your borrowing capacity depends on:
- Income and employment
- Living expenses
- Existing debts
- Deposit size
- Lender policies
We assess your situation and match you with lenders that best fit your goals—helping maximise your borrowing power while keeping repayments manageable.
First Home Buyer Deposit Options
While a 20% deposit is ideal, many first home buyers enter the market with less.
Options may include:
- Low deposit home loans (from 5%)
- Government-backed schemes
- Guarantor loans using family equity
We’ll help you understand your options and strategies to reduce or avoid Lenders Mortgage Insurance (LMI).
Government Grants & Schemes available in Australia
Depending on your state, you may be eligible for:
- First Home Owner Grant (FHOG)
- First Home Guarantee Scheme
- Stamp duty concessions
We guide you through eligibility requirements and manage the application process to ensure you maximise available benefits.
Why Use a Mortgage Broker?
Working with a mortgage broker gives you access to more options and better guidance than going directly to a bank.
We provide:
- Access to a wide panel of lenders
- Tailored loan recommendations
- Support with paperwork and approvals
- Ongoing reviews after settlement
We focus on finding the right loan for your situation, not just what one lender can offer.
Our First Home Buyer Process
1. Initial Consultation
We understand your goals and financial position
2. Borrowing Assessment
We calculate your budget and borrowing power
3. Pre-Approval
Get clarity before you start house hunting
4. Property Purchase Support
Guidance through contracts and negotiations
5. Loan Approval & Settlement
We manage the process through to completion
First Home Buyer FAQs
Yes! Many first home buyers use government schemes or lender policies that allow low deposits as low as 2% of the purchase price.
No. We work with clients across Australia using phone, email, and video.
Typically 2-5 business days depending on the lender but this can vary depending on the lender, time of year and the complexity of your situation.
This may include stamp duty (if applicable), legal fees, inspections, and lender costs. There are no costs to utilise Ingram Financial’s services as we are paid by the lenders when your loan settles.
Why First Home Buyers Choose Ingram Financial
- Clear, straightforward advice
- Support from start to finish
- Access to multiple lenders
- Help with grants and applications
- Long-term loan support
Ready to Buy Your First Home?
Wherever you are in Australia, we’re here to help you take the next step.