First Home buyers

Home Residential Loans
✦ Tell Us More

Smarter Home Loan.
A Confident First Step.

Buying your first home is an exciting milestone — and one of the biggest financial decisions you’ll ever make.

Whether you’re a young professional, growing family, or first-time investor, we provide tailored mortgage advice to help you secure the right home loan with confidence.

Our goal is to give you confidence in every decision and make sure you get a loan that fits your needs—not the bank’s. With personal guidance and ongoing support, we help turn your first-home dream into a reality.

We don’t just find you a loan — we simplify and structure it properly so you can focus on finding the right property.

Why First Home Buyers Choose Us

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Banks and lenders on our panel — giving you a broad range of financial solutions.

Typical Loan Features

Government Schemes Available

✦ Step-by-Step

How We Help First Home Buyers

01
Getting Started

Understanding Your Borrowing Power

Before you attend inspections or auctions, we calculate your borrowing capacity based on your full financial picture — so you search within the right price range, confidently and strategically.

  • Income and employment type (PAYG or self-employed)
  • Living expenses and existing debts
  • Credit history assessment
  • Available deposit and savings
This ensures you search within the right price range — confidently and strategically. No wasted time on properties outside your reach.
02
Government Support

Government Grants & First Home Buyer Schemes

Many first home buyers don't realise how much support may be available. We assess your eligibility for every applicable scheme — including programs that can help you buy with as little as 5% deposit and in some cases avoid Lenders Mortgage Insurance entirely.

  • First Homeowner Grant (FHOG)
  • First Home Guarantee (formerly FHLDS)
  • Stamp duty concessions (state dependent)
  • Regional First Home Buyer Guarantee
We ensure you understand exactly what you qualify for — before you apply for anything.
03
Loan Comparison

Home Loan Pre-Approval

A pre-approval strengthens your negotiating position and gives you clarity before making an offer. We compare major banks and specialist lenders across Australia to find the right product for your situation.

  • Competitive interest rates
  • Fixed and variable options
  • Offset accounts
  • Flexible repayment features
  • Low-deposit solutions
With the right pre-approval in place, you can make offers with confidence — and vendors take you seriously.
04
Strategy

Choosing the Right Loan Structure

Your first home loan should support your long-term goals — not just today's purchase. Whether you plan to upgrade, invest, or pay off your loan aggressively, we structure it strategically from day one.

  • Fixed vs variable interest rates
  • Offset vs redraw facilities
  • Split loan strategies
  • Loan terms and repayment flexibility
05
Long-Term Partnership

Settlement & Ongoing Support

From application to approval and settlement, we liaise with your lender, solicitor, and real estate agent to ensure a seamless process. We coordinate every moving part so you don't have to.

And our relationship doesn't end at settlement. We provide ongoing loan reviews to ensure your interest rate and loan structure remain competitive as your life and the market evolve.

You are never alone — before, during, or after settlement.
✦ Loan Types

Which Loan Suits You?

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Fixed Rate Loan

Lock in your rate for 1–5 years. Certainty and predictable repayments — ideal if you want to budget precisely. Less flexibility for extra repayments.

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Variable Rate Loan

Your interest rate moves with the market. When rates fall, you benefit. Offers flexibility — extra repayments, redraw, and offset accounts are usually available.

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Split Loan

Part fixed, part variable. Enjoy certainty on a portion of your loan while maintaining flexibility on the rest. A popular middle-ground choice.

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Guarantor Loan

A family member uses their property as security to help you borrow more or avoid LMI. A great option for buyers who have the income but not the full deposit.

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Low Deposit Loan

Purchase with as little as 5% deposit. LMI applies, but for many buyers the opportunity to enter the market sooner outweighs the cost.

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Construction Loan

Building a new home? Construction loans draw down in stages as your build progresses — you only pay interest on what’s been drawn.

✦ Loan Types

Which Loan Suits You?

Who Can Apply
✦ Eligible

Documents Required
✦ Needed

✦ FAQs

Residential Loans

How much deposit do I need?

Traditionally 20% avoids Lenders Mortgage Insurance (LMI), however some lenders allow deposits as low as 5%, and certain government schemes may reduce or remove LMI requirements.

We’ll help you determine the smartest path based on your savings and timeframe.

What is Lenders Mortgage Insurance (LMI)?
LMI is lenders mortgage insurance that protects the lender if you default and are unable to make mortgage repayments. It applies when borrowing more than 80% of the property value. We assess whether it’s strategic or avoidable in your situation.
How much can I borrow?

Borrowing capacity depends on income, expenses, existing debts and lender policies. We provide a detailed assessment before you start house hunting.

Should I get pre-approval before looking?

Yes. Pre-approval strengthens your position when making an offer and gives clarity on your budget.

Are government grants available for established homes?

This depends on your state or territory. In many cases, grants apply only to new builds or newly constructed properties.

How long does approval take?

Pre-approvals can often be obtained within a few days, subject to documentation and lender turnaround times.

What costs should I budget for besides the deposit?

You may need to budget for stamp duty (if applicable), legal fees, inspections, loan application fees and moving costs.

✦ Contact Us

Buy Your First Home
with Confidence

Your first home purchase sets the foundation for your financial future. Structuring your loan correctly from the beginning can save thousands over time.

AKA Finance Group provides strategic, responsible lending advice tailored to first home buyers.

AKA Finance Group — Finance, Structured Around You.

READY TO TAKE THE FIRST STEP?
Choose how you'd like to connect with us.
✦ Explore More

Other Services

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Refinancing

Review and improve your current loan

📈

Investment Loans

Grow your property portfolio

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Commercial Loans

Finance for business premises

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Personal Loans

For purchases, renovations and more

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Asset & Equipment

Finance for business assets

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SMSF Loans

Property via superannuation

Ready to Get Started?

Contact a broker today — obligation free and at no cost to you.

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