Your Journey to Your First Home Purchase Starts Here
We turn the stress and confusion of buying your first property or home into a clear, confident, and exciting experience.
From Dreaming to Unlocking the Door: First Home Buyers
Buying your first home is an incredible milestone, but it can also feel overwhelming. How much can you borrow? Are you eligible for any grants? What are all the hidden costs? These are common questions, and you don’t have to figure them out alone.
At Hayes Financial, we specialise in guiding first home buyers through every stage of the process. We act as your personal coach and advocate, providing the education and support you need to step onto the property ladder with confidence. We’ll help you understand your true borrowing capacity, create a realistic savings plan, and navigate the entire application process from start to finish.
A Simple, Step-by-Step Path to First Home Ownership
1. Financial Health Check
Our first step is a comprehensive assessment of your financial situation. We’ll review your income, expenses, and savings to establish a clear and realistic budget, determining exactly how much you can comfortably afford to borrow and repay.
Check out our calculators for more information.
2. Deposit & Grants Strategy
We’ll explore every government grant, scheme, and concession you may be eligible for, such as the First Home Owner Grant (FHOG) and stamp duty concessions. Our goal is to maximise your position and help you get into the market sooner, potentially with a smaller deposit than you thought possible.
3. Loan Pre-Approval
Confidence is key when you’re house hunting. We’ll work to secure a formal pre-approval from a lender, which gives you a firm budget and shows real estate agents you’re a serious buyer. This allows you to make offers with conviction.
4. Finding the Perfect Loan
This is where our expertise shines. Instead of you approaching one bank, we compare hundreds of loan products from our panel of over 40+ lenders. We analyse interest rates, fees, and features to find the loan that is the perfect fit for your specific circumstances.
5. Seamless Application & Settlement
We handle the paperwork. From lodging the application to liaising with the lender, your conveyancer, and the real estate agent, we manage the entire process to ensure a smooth and timely settlement. You can focus on packing boxes while we take care of the details.
Need further help on how to secure your first home loan?
Getting into your first home and sorting out the finance often feels stressful and drawn out, but the great news is we can make the process much simpler.
The Hayes Financial Advantage
Choosing the right mortgage broker can save you time, money, and significant stress. We combine deep industry expertise with a genuinely personal approach, managing every detail of the process so you can focus on your next chapter. We listen carefully, research tirelessly, and negotiate fiercely on your behalf to deliver a seamless experience and an exceptional outcome.
Join Hundreds of Happy Home Buyers
With over 100 five-star Google reviews, Hayes Financial is trusted by first home buyers, families, and investors alike. Our clients value the guidance, clarity, and personal support we bring to every step of the journey.
Your First Home Buyer Questions, Answered
Buying your first home can feel overwhelming, but it doesn’t have to be. We’ve answered the most common questions first home buyers ask about deposits, loan approval, and government schemes.
What government grants am I eligible for my home loan?
Depending on your location and whether you’re buying a new or existing home, you may be eligible for the First Home Owner Grant (FHOG), stamp duty exemptions or concessions, and the federal Home Guarantee Scheme. We’ll help you identify and apply for everything you’re entitled to.
What deposit do I need to buy my first home?
When buying your first home, the deposit is often the largest barrier. Many government schemes allow eligible buyers to purchase a home with as little as a 5% or even 2% deposit. We can assess your eligibility for these programs.
What is LMI?
Lender Mortgage Insurance (LMI) is an insurance policy that protects the lender – not you – if you default on your loan. It’s often required when you borrow more than 80% of the property’s value. Our goal is to help you structure your finance to avoid this cost where possible.
What are the upfront costs of buying a home?
Beyond the deposit, you need to budget for costs like stamp duty, conveyancing and legal fees, building and pest inspections, and loan application fees. We’ll provide you with a detailed breakdown so there are no surprises.
What’s a Pre-Approval?
A pre-approval is a document that confirms a bank is willing to lend you the money required to complete the purchase of a property.
How can I help my child buy a house?
If you’ve been thinking about helping your child buy their first home, there’s a path – this may include helping them with their deposit or ongoing repayments or by acting as a guarantor.
Get the Guide That Makes Buying Your First Home Simple
As a first home buyer, you deserve to start your journey with the right advice. Our Hayes Financial First Home Buyer Guide gives you expert tips and practical steps to set yourself up for success now and into the future.
Let's Start Your Journey
Opt for a chat, email, or a brief message, we’re ready to connect and offer any help or personalised assistance you require.
Email: hello@
Phone: 0432 189 047
Address: 25 Murray Cres, Griffith ACT 2603