First Home Buyers

As specialists in first- time home buyer loans in Australia, we can help you secure the best home loan and achieve your dream first home.

First-Time Home Buyer Loans Specialist Australia

We help first-time home buyers through every step

Buying your first home is exciting and overwhelming. There’s a deposit to save and a lot of jargon to learn. With our support at New Property Specialists, we’ll provide guidance and ensure that you can buy the home of your dreams with ease.

There is a lot to consider when buying your first home: your existing financial capabilities, types of grants you can apply for and the legalities of owning a home. With so much to consider, we can save time and money by streamlining the buying process. We can negotiate with vendors and lenders, liaise with solicitors, renovators and builders – it all depends on
what you’re after.

We advocate for you

At New Property Specialists, we provide a full buyers advocate service so that you can make the best property decision.

Pay the right price

We analyse, negotiate and evaluate the value of your chosen property to ensure you get the best price for it.

Access more properties

With our vast connections and networks, you can access properties before they’re listed on the market.

Help you understand first home buyer grants

Get the best government grant to help you buy your first dream home. We’ll go through the types of grants and which is the best to help reduce your costs.

Save time navigating the complex process

With so much to consider, we streamline the buying process so you don’t have to do any research or negotiate with vendors, lenders and solicitors.

First time home buyer loans made easy for you

Consult with our first-time home buyer loan specialist for expert advice

For first time home buyer

Success begins with a tailored property plan

A comprehensive understanding and thorough analysis of your financial situation, wealth goals, and borrowing capacity. In addition, you will receive a proposal with our unbiased opinions on which property is best suited for your goals, first home buyer grants to apply for and recommendations on lenders who have the most competitive rates.

What our clients have to say

Nothing brings us greater joy than helping our clients get the property they want.

          
   Grace Famoso 
 2022-08-02
 
 
   It was a great pleasure to have Chad and Alon to help me with problems I had dealing with the building of my new house. They were always available to contact by phone whatever time I called them they were always beneficial and usually solved the problem.
I would totally recommend Chad and Alon to anybody who is thinking of buying a property or investment, they run a very professional business.
  
 
 
       
   Carly Berry 
 2022-07-03
 
 
   Chad, Alon & the team at FHBS have been nothing short of amazing in the process of buying my first home. They have truly made my dreams come true. Were reliable, supportive and went above and beyond from start to finish and continued! I could not recommend FHBS enough. Exceptional customer service, the best I have experienced - in any industry!
  
 
 
       
   Rikki Parker 
 2021-12-31
 
 
   Chad's communication throughout the whole process of buying my first home was outstanding. He has so much knowledge and expertise and made the journey easy and stress-free. Would highly recommend the team at First Home Buyer Specialists.
  
 
 
       
   Evelin Vayzer 
 2021-12-31
 
 
   Chad has made me feel welcome through his positive attitude and wonderful advice. He helped me with my recent purchase and made the process stress free.
Thank you Chad! Highly recommend GlFirst Home Buyers Specialists.
  
 
 
       
   Kate Gillard 
 2021-11-11
 
 
   Alon and Chad,
Words cannot possibly describe them adequately enough but I will have a go!
They are family. They are supportive, knowledgeable and kind. I would not be living in my own home without them. From holding my hand getting the loan, to sourcing my hand and signing off on absolutely every tiny detail.
Would give them an ‘outstanding’ for customer service any day of the week. Would go through the process again in a heartbeat. Do yourself a favour and give them a call.
  
 
 
       
   Dennis Agyekum 
 2021-09-06
 
 
   Working with First Home Buyer Specialist is very awesome. They have really supported me and my wife through out the whole process of acquiring our first home and we are very grateful to Alon and Chad. This guys are really professionals and I highly recommend them to anyone who is looking to buy a house.
  
 
 
       
   Stephanie Harding 
 2021-08-16
 
 
   First home buyer specialists have helped us to successfully purchase our first home within only a few months. They are responsive, professional, friendly and always available when needed! We could not Recommend them more if you have no idea where to start with purchasing a home. They organise everything from start to finish. Helping you along the way every step.
  
 
 
       
   Leah 
 2020-11-30
 
 
   Unfortunately, I have decided to go with a builder that First Home Buyer Specialists don’t utilise as I fell in love with a floor plan that I just kept coming back too. I did want to say a big thank you for all of Alons & Chads help with the start of this process and journey. I truly do appreciate the knowledge, information and support Alon & Chad provided to begin this process.

I hope you and your family have a lovely Christmas & a happy new year????
  
 
 
       
   Kayla Otoba 
 2020-11-27
 
 
   With First Home Buyer Specialists you are guaranteed top level of proficiency and efficiency. Alon proved to us that trustworthy and credible people still exist. He was very accessible, understood our needs and tailored his services to fit what we needed. We absolutely had his 100% commitment all through the whole process which made it less cumbersome for us. I strongly recommend this company for every first home buyers, we were very lucky we got our first home through them.
  
 
 
       
   Jo Can 
 2020-11-26
 
 
   It was a very challenging journey for us and we couldn't thank you enough for having you all throughout the journey. Thanks for all the help Alon!
  
 
 
  
 
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Get the best mortgage deals and the most competitive rates

We’ll help you to secure a home loan that is best suited to your needs.

FAQs for first home buyers

What are some criterias to be mindful of when buying my first home

Have a deposit: This is a bit of an obvious one, but having the deposit saved and ready to go means you’ve already done the hardest part – saving up enough to put down a deposit, about 15% – 20% of the value of a property.
Have a stable income: A history of full-time employment is the first thing financial institutions look for when approving loans. While being self-employed won’t rule you out, you will have to provide more history about what you earn when you apply for a home loan.
Good credit rating: When you apply for a home loan the lender will look at your credit rating to see if they will lend you money. Your credit history will show the lender any previous loans you have or have applied for, how many bank accounts and credit cards you hold, your debt and other financial information. A good rating is imperative to be approved, NPS can assist you before you apply to see what your credit file looks like before you apply.
Do you have a good rental history? While not imperative, a good rental history shows that you are familiar with making payments on time and it’s a good sign that home ownership is right for you.

I am a first time home buyer, can you help me apply for a mortgage?

We are mortgage specialists and we can apply for a loan for you. We’re able to access various banks and lenders which we can get competitive rates for you.

Is it better to buy a brand new property?

There are a few reasons why buying a brand new property is better than older properties:

Many first home buyers view their first property as a long term investment. For instance in NSW, first home buyers can start to rent out their property after living in the property for a continuous of 6 months. This allows for tax deductions for the depreciation in the fixtures and fittings of the property.
New properties have lower maintenance costs than older properties because everything is new and will not need repairs or maintenance for a long time after you buy it. Whereas if you buy an older property, you might find that you have to spend a lot of money early on on maintenance costs or expensive capital repairs.
New homes are more energy efficient, have more safety features and have the latest modcons that many older properties do not have. Not only does this make new property more attractive to tenants producing a better rental return and making them easier to rent, but it also makes them cheaper to run and maintain, once again increasing the yield on the property.

How does it work?

At New Property Specialists, we provide a holistic and personalised approach to your property buying journey.

We tailor your plan: We’ll get to know your goals, your financial situation and the properties you want to buy before tailoring a plan suited to your needs and goals.
We source, negotiate & liaise for you: We’ll talk with all the players involved (e.g. lenders, inspectors, solicitors, builders, etc) so you can sit back and relax.
You become a proud homeowner: We’re always here to ensure you are supported after buying a property. We’ll review your loans to get a better rate or help you when you have any problems with your home.

How much can I borrow?

There are many factors that can affect this and everyone’s situation is different. Contact us today, we can work with you to determine exactly how much you can borrow.

What’s the pre-approval process?

Pre-approval, or conditional approval, is an indication that your lender will provide you a home loan when you are ready to submit a full application. Remember that even with pre-approval a lender is not obligated to give you a home loan, but it is usually a good indication on how much you can borrow, which is important to understand what kind of home you can afford.

When you aren’t familiar with home loans it can be a difficult process to understand all the options and complexities. NPS can assist in finding the loan that is suitable for your specific requirements.

Buying your first home can be a breeze.

Speak to us today about your mortgage broker needs or if you need help to buy your very first home.

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Get in touch

Prefer to speak to us? Call us on 1300 155 661.

Or you can send us an email here.

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Start your property journey

Ready to analyse your financial circumstance to buy a property?