First-home buyer resource

First Home Buyer Guide

A practical way to work out if you can buy, what can stop you, and which schemes actually help with which problem.

Most first-home buyer confusion comes from mixing up different problems.

The goal is to work out whether you are blocked by cash, borrowing capacity, the property, scheme rules or the structure.

Download the PDF Book a strategy session

Preview from the guide 22 pages

First Home Buyer Guide cover by Raynor Lending Solutions

Preview of the two gates diagram from the First Home Buyer Guide

Preview of the 5 percent deposit does not mean 5 percent cash diagram

Read on page

Read the First Home Buyer Guide here.

First Home Buyer Guide page 1 cover

First Home Buyer Guide page 2 why this guide exists

First Home Buyer Guide page 3 two gates

First Home Buyer Guide page 4 four bottlenecks

First Home Buyer Guide page 5 diagnostic table

First Home Buyer Guide page 6 cash to complete

First Home Buyer Guide page 7 five percent deposit does not mean five percent cash

First Home Buyer Guide page 8 hidden costs

First Home Buyer Guide page 9 borrowing capacity

First Home Buyer Guide page 10 income and debts

First Home Buyer Guide page 11 government help

First Home Buyer Guide page 12 five percent deposit scheme

First Home Buyer Guide page 13 Help to Buy

First Home Buyer Guide page 14 other help

First Home Buyer Guide page 15 low deposits

First Home Buyer Guide page 16 pre-approval

First Home Buyer Guide page 17 property risk

First Home Buyer Guide page 18 making an offer

First Home Buyer Guide page 19 family help

First Home Buyer Guide page 20 loan structure

First Home Buyer Guide page 21 plain English glossary

First Home Buyer Guide page 22 final checklist and next step

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Next step

Want someone to sanity-check your position?

If you read the guide and want a second set of eyes, we can look at your deposit, borrowing capacity, likely bottleneck, scheme fit and what still needs checking.

Use the contact form Book a strategy session

0433 967 807 jai@raynorlendingsolutions.com.au