Your First Home Loan, Done Right
We cut through the confusing world of grants, deposits, and lender requirements - and find you the right loan from 40+ lenders. And it costs you nothing.
More Than Just a Rate
For first home buyers, the right loan structure matters as much as the rate. We look at the whole picture - your deposit, your income, your goals - and match you to the right lender and product.
First Home Buyer Snapshot
From Renter to Owner - Here's How It Works
We make buying your first home as straightforward as it should be.
Free Chat
We discuss your deposit, income, and goals. No obligation - just clarity about what's achievable and what to do next.
Compare 40+ Lenders
We find the right rate and product for your situation, explain your options clearly, and get you pre-approved.
Application & Approval
We prepare and lodge your application, handle lender queries, and keep you informed at every stage.
Settlement Day
We coordinate with your conveyancer, the lender, and the vendor - and hand over when the keys are yours.
Who Can Apply?
First home buyer loans are available to a wide range of applicants. You may be eligible if:
- You are an Australian citizen or permanent resident
- You have not previously owned residential property in Australia
- You have a stable income (PAYG, self-employed, or casual)
- You have at least a 5% genuine savings deposit (or a guarantor)
- The property will be your principal place of residence
First Home Buyer FAQs
Standard lenders require at least 5% genuine savings plus costs (stamp duty, legal fees). If your deposit is under 20%, Lenders Mortgage Insurance usually applies - or you can explore a Family Guarantee using a parent's property as security to avoid LMI altogether.
The FHOG in SA provides up to $15,000 for first home buyers purchasing a new home or land to build. Eligibility rules apply - we confirm your entitlement as part of our service.
Yes - many lenders accept casual income if you've been in the same role for 6 - 12 months. Some specialist lenders are even more flexible. We know which lenders suit casual workers and we'll match you accordingly.
With your documents ready, we typically obtain pre-approval within 2 - 5 business days. Formal approval after you've signed a contract usually takes 5 - 10 business days.
No. Our service is completely free to you. We're paid a commission by the lender once your loan settles - there is no cost to you at any stage.
Absolutely. We can move quickly when you've found a property. Get in touch as soon as possible and we'll prioritise your application.
Talk to an Ignite Broker Today
Whether you're ready to apply or just exploring your options - we're here to help with no obligation.
Book Your Free Consultation
A no-obligation chat with Ali or one of our team. We'll walk through your options and give you a clear picture of what's possible.
Or call 08 8379 3636