Your First Home Journey Starts Here!
Let's see if you're eligible for the First Home Guarantee and get you closer to owning your dream home!
First Home Guarantee
Purchase your first home with as little as 5% deposit, without paying Lenders Mortgage Insurance (LMI).
Income Caps
Singles: Up to $125,000 per year
Couples: Up to $200,000 per year combined.
Minimum Deposit
Save just 5% of the property's value while the government guarantees the remaining 15%.
Understanding Your First Home Benefits 🏠
First Home Owner Grant
Free money alert! 🎉 Each state offers different grant amounts to help you buy or build your first home.
- Up to $50,000 in NT for new homes
- Most states require the home to be new or off-the-plan
- Must be your first property purchase in Australia
Stamp Duty Concessions
Save thousands on property transfer tax! 💰 Each state has different thresholds and savings.
- Full exemptions available in many states
- Partial concessions for properties above threshold
- Can save you $20,000+ on your purchase
First Home Super Saver Scheme
Use your super to save faster! 🚀 Save up to $15,000 per year in your super for your first home.
- Save up to $50,000 total through super
- Pay less tax on your savings
- Earn super-powered investment returns
Pro tip: Start salary sacrificing into your super now to maximize your savings! The tax benefits mean you'll save your deposit faster. 🎯
Get Your Free First Home Buyer Guide
Download our comprehensive guide packed with:
✔️ Insider tips
✔️ Lender comparison strategies
✔️ Hidden first home buyer benefits
Book Your Free Strategy Session
Get personalised 1:1 advice to:
✔️ Create your ownership timeline
✔️ Explore hidden grant opportunities
✔️ Develop a custom savings plan
🛈 This calculator provides an estimate only and should not be considered financial advice.
Results may vary based on individual circumstances and lender criteria.
Raynor Lending Solutions Pty Ltd (Credit Representative Number 563088) is authorised under Australian Credit Licence Number 384704.
We recommend consulting with a qualified financial advisor before making property purchase decisions.