• We compare 100's of first home buyer loans from 25+ lenders.
  • Get expert and tailored support, face to face or over the phone.
  • Save time and money as we find the best rates to suit you and help you with the paperwork.

PLUS receive your FREE First Home Buyers Guide when you speak to eChoice – cost and obligation free.

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Saving Your Deposit

The first step towards buying your first home is to work out your borrowing capacity, and then to start saving for a deposit. Look at your income and all your expenses, debts and regular bills to work out how much you can put towards a home loan. Most lenders will base the size of your home loan on your capacity to meet the repayments.

First Home Owners Grant

The First Home Owners Grant is a national scheme funded by the states and territories and administered under their own legislation. The grant is a one off tax free payment to first home buyers in Australia, who satisfy the eligibility criteria. To be eligible, you must be at least 18, you or other applicants may not be a company or trust, at least one of the applicants must be a permanent Australian resident, and you must occupy the residence for 6 months beginning in the first 12 months of settlement.

To see if you are eligible or to obtain more information about the First Home Owner Grant, please select the state or territory in which you intend to purchase your home by visiting

Choosing the Right First Home Buyer Loan

While finding the perfect first home can be challenging, finding the right home loan can be even more so. In today's competitive market, first home buyers can choose from a wide range of lenders and loan products, and what may be suitable for one person may be inappropriate for another. Before signing on the dotted line, it pays to do your homework and think about the type of features you need and how much you are prepared to pay.

How an eChoice Mortgage Broker Can Help

At eChoice, our lending experts have been helping Australians achieve their dream of home ownership for over 10 years. eChoice's accredited mortgage brokers will work hard to find you the right home loan using our unique loan matching software.

Your Home Loan Report

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