Your First Home Journey Made Simple

Buying your first home is one of life’s biggest milestones but it can feel overwhelming. From saving a deposit to navigating complex lending rules, many first-time buyers are unsure where to start.

At Artisan Finance, we make the process clear, simple, and stress-free. Our brokers break the journey into manageable steps, from your first consultation and pre-approval through to settlement day. We explain your options in plain language, show you what to expect, and help you avoid common pitfalls.

With a trusted broker on your side, you’ll not only save time but also gain the confidence of knowing you’re on the right track moving closer to your first home with every step.

Government Support for First Home Buyers

First Home Owners Loan Grant (FHOG)

If you’re buying or building your first home, you may be eligible for the FHOG, a one-off payment to help with your purchase. The amount and eligibility criteria vary depending on the state or territory you buy in.

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First Home Loan Deposit Scheme (FHLDS)

This scheme allows first-time buyers to purchase a home with as little as a 5% deposit — without paying Lenders Mortgage Insurance (LMI). With limited places available each year, we’ll guide you through the application process and check if you qualify.

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Couple reviewing borrowing capacity for the first home buyers mortgage

Borrowing Capacity

How Much Can You Borrow?

One of the first questions every first home buyer asks is: “How much can I borrow?” The answer depends on your income, savings, existing commitments, and lending criteria. Artisan Finance works with a wide panel of lenders to assess your borrowing power and match you with the right options. We also provide access to easy-to-use calculators so you can get a clear picture of your budget before you start house hunting.

Tools to Help You Plan.

Take the guesswork out of your first home journey with our free calculators:

Mortgage Repayments

Estimate what your repayments could look like.

Borrowing Power

See how much you may be able to borrow.

Stamp Duty Costs

Work out your upfront costs, including duty and fees.

Helping Australians Secure

$1B+ in Loans

Mortgage Expertise

for 40+ Years

Customers Successfully Financed

30,000+

Talk to a Mortgage Expert Today

Office

1 Macquarie Pl, Sydney NSW 2000

Contact

contact@artisanfinance.com.au

Open Hours

Monday to Friday: 8:30am – 5:30pm

Frequently Asked Questions: First Home Buyers

Common Questions From First-Time Buyers. Need more assistance?

Your borrowing power depends on your income, expenses, deposit, and existing debts. At Artisan Finance, we compare options from a wide panel of lenders to give you a clear idea of what you can afford and how to boost your capacity if needed.

First home buyers may be eligible for the First Home Owners Grant (FHOG), the First Home Loan Deposit Scheme (FHLDS), or stamp duty concessions depending on your state. Our brokers stay across the latest government initiatives to make sure you don’t miss out.

Pre-approval is a conditional green light from a lender confirming how much they’re willing to lend. It helps you shop with confidence and strengthens your offer. Artisan Finance can arrange a fast, stress-free pre-approval for you.

A bank can only offer its own loans, while a mortgage broker like Artisan Finance compares many lenders to find the best fit for you. We also handle the paperwork, negotiations, and ongoing support making the process easier, faster, and stress-free.

LMI is a one-off cost applied if your deposit is less than 20%. It protects the lender, not the borrower. Artisan Finance explores ways to reduce or avoid LMI including government schemes and lender-specific options.

A fixed rate offers certainty with set repayments, while a variable rate offers flexibility and potential savings. The right choice depends on your lifestyle and risk comfort. Our team at Artisan Finance will explain both options in plain language and help you choose what fits best.

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