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There’s no doubt about it, buying your first home is a massive financial decision. It’s something that shouldn’t be taken lightly and it pays to know what is available to you, especially in terms of first home owner grants and concessions.

For example, if you’re currently renting or about to start renting, for many applicants it makes more sense to buy your own home as you will more than likely be saving money in the long run.

Interested In A Low Deposit Home Loan?

Interested In A Low Deposit Home Loan?

Get qualified here

With a better understanding of your current situation we’ll be able to determine if you qualify for a low deposit home loan.

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Interested In Low Deposit Options?

Yes, there absolutely are low deposit options and in some cases, NO deposit options!

For a low deposit option the QLD government will give you $15,000 if you’re buying a new house or apartment based in QLD.

In some special cases, Asset Property Partners will gift you a personal grant of up to $5,000-$10,000 on top of the Govt Grant (conditions apply).

This means, you could potentially have up to $20,000-$25,000 as a deposit for your first home if you meet certain criteria, before you even approach a bank!

Are You Eligible?

Do I Need Any Savings At All?

Yep, you sure do. You need some savings if the banks are going to take you seriously and Asset Property Partners feel their own personal grant will be of benefit to get the loan over the line.

Make an appointment with one of our property coaches to see what we can do for you. Our priority is to get you into your first home as easy and seamlessly as possible. If we can find a way to make it work, we will.

No Deposit? No Worries, Talk To Us!

If you don’t have a deposit talk to us as there are other ways to assist you into your first home without a deposit.

For example, if you’re eligible for a loan up to 75% of the purchase price, some banks will except the other 25% as a way of a family guarantee, which is also sufficient as a deposit.

Meaning, you finance 75% of the loan and the bank will except the final 25% as equity from your parents or someone in your family that has sufficient equity in their own home.

Talk to us today about our Family Guarantee, No Deposit Loan Options

Am I Eligible For The First Home Owners Grant?

It changes from state to state but generally speaking this is what you need to take into consideration if you’re in QLD.

  • You need to purchase your property as a person, not a trust or company
  • You cannot have previously owned land in Australia (nor can your spouse or partner) before the 1st of July 2000.
  • You (or your partner) cannot have previously lived in a residential property you owned from 1st of July 2000.
  • You (or your partner) cannot have claimed any previous grant in the past.
  • You and any other applicant for this loan will need to be over 18 years of age.
  • You must occupy your first home as a principle place of residence within 12 months of construction (or purchase of home). You need to then live in your property for a minimum period of 12 continuous months.

To find out more information and determine your eligibility for the First Home Owners Grant click below.

We will help you find the right home loan solution

Let one of our property experts explain the various different options available to you, the first home buyer.

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