Understand your goals
We talk through your deposit borrowing ability and timeline to build a clear picture of your starting point.
First Home Buyers • Adelaide
Buy with confidence
Buy with confidence
Your first home starts here
We make your first purchase feel simple with clear advice, low deposit options and help with grants. No jargon. A friendly local team guides you from plan to keys.
★ 5.0 Google rating
124 five star reviews
Local in house team
Support you can trust
How we help first home buyers
Low deposit loan options
We help you find lenders that accept smaller deposits and access paths that reduce upfront costs when suitable.
Help accessing grants
We guide you through South Australian incentives, eligibility, and paperwork so nothing is missed.
Clear steps with no confusion
From lender selection to settlement we keep the process simple and always act in your best interest.
Local advice that cares
We are Adelaide based not a call centre so you get consistent personal support from people who know the market.
Simple step by step
Your path to the keys
Check your numbers
We confirm borrowing power explore deposit options and identify grants or schemes you may be eligible for.
Compare your options
We shortlist lenders that suit your needs and explain products in plain language so you can choose with confidence.
Get it sorted
We lodge your application work with your conveyancer and lender then support you through settlement.
Ready set settle
What you will need
A clear checklist so first home buyers know they are on track plus helpful tools for every step.
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ID and residency
Drivers licence or passport Medicare card and residency or visa documents where relevant.
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Income evidence
Recent payslips and bank statements. For self employed clients the last two years of tax returns or BAS.
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Living expenses and debts
Credit cards HELP or HECS personal loans and a simple outline of monthly spending.
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Deposit and gift letter if needed
Evidence of savings or gifts. We will guide you on accepted paths and lender requirements.
Deposit and upfront costs
Many first home buyers start with a smaller deposit. We help you plan for stamp duty legal fees and inspections so there are no surprises.
Low deposit paths
Grants and schemes guidance
Estimate stamp duty
Structure for success
General information only. Approvals are subject to lender criteria and suitability.
Friendly local support
Ready for your next step
Talk with an Adelaide broker for clear options and a simple plan from first chat to settlement.
Five star Google rating
Local in house team
Best Interest Duty compliant
Answers you can trust
First home questions in Adelaide
Clear friendly answers based on how lenders work and how South Australian programs are applied. For personal advice talk with our team any time.
South Australian first home buyers may access the First Home Owner Grant and in some cases stamp duty relief when purchasing a new or substantially renovated property. Rules and thresholds can change. We will check your eligibility and help with applications.
Yes. There are accepted low deposit paths through selected lenders and government backed schemes. We explain the options in plain language and confirm what is suitable for your situation.
Many lenders use an approval window of about three to four months. Exact timing depends on the lender and on any changes to your income or savings. We will track dates for you and refresh details if needed.
Lenders Mortgage Insurance may apply when the deposit is under twenty percent. Some schemes allow buyers to avoid LMI even with a smaller deposit. We will confirm if an LMI free path is available for you.
Family supported structures can reduce the need for a large cash deposit and may help avoid LMI. We will explain risks and protections for everyone involved and match you with lenders that offer this path.
Buyers usually plan for stamp duty, conveyancing, building and pest checks, inspections, and moving costs. We will help estimate these amounts and map a budget that fits your plan.
Borrowing power depends on income, expenses, debts and the lender calculator. Use our borrowing power tool to get a quick estimate then we will refine the numbers with you.
Open borrowing power calculator
Open borrowing power calculator
We compare many lenders and manage the process from first chat to settlement. You get choice, clear advice and help after you move in as well. If a direct bank path is better for you we will say so.