Your first home loan, without the second-guessing.

As little as 5% under the First Home Guarantee (no LMI, subject to property price caps), or 10-15% paying LMI, or 20% avoiding it entirely. A guarantor can take the cash deposit needed to near zero. The right answer depends on how the numbers trade off. That's the first thing we model with you.

In Queensland the grant applies to new builds and substantially renovated homes (not established homes), with eligibility rules on prior property ownership, residency and value caps. Our First Home Buyers Grant QLD page walks through every test, and the eligibility checker gives you an answer in two minutes.

Pre-approval is a lender's conditional yes to your borrowing amount before you've found a property. It makes your offers credible. Formal approval happens after you've signed a contract, when the lender values the actual property. We line both up so there are no surprises between them.

Lenders assess your income, commitments and living expenses, then stress-test the repayments about 3 percentage points above the actual rate. Our borrowing power estimator gives you the indicative range in two minutes; a broker conversation firms it up per lender.

Nothing for standard home loans. The lender pays us on settlement, and we disclose the commission. First-home help, grant paperwork and the guidance through to settlement are all part of it.

Yes. They're separate schemes: the $30,000 FHOG is a Queensland grant for new builds, and the First Home Guarantee is a federal scheme letting you buy with a 5% deposit and no LMI. If you're building your first home you may be eligible for both, plus zero stamp duty on the new build. Stacked properly, the schemes can shrink the cash you need by tens of thousands.

Often not. Since May 2025, Queensland first home buyers pay no transfer duty on new builds, and the first home concession on established properties extends to $800,000. Above the thresholds, duty phases in. The stamp duty calculator gives your exact figure; the rules turn on the property, the price and your ownership history, so check before you set a budget.

Yes, as guarantors: they offer part of their own home's equity as additional security, which can remove the need for a cash deposit and for LMI. The guarantee is usually limited to a set amount and released once your equity grows. It puts real obligations on them, so lenders require independent advice, and we walk both generations through exactly what's being signed.

From first chat to keys, commonly two to four months, but the finance milestones are quick: pre-approval in days to two weeks, formal approval one to three weeks after you sign a contract, then settlement on whatever timeframe the contract sets (often 30 to 90 days in Queensland). The slow part is finding the home; get pre-approved before you start looking and the rest keeps pace.