What if I told you that right now, you could be closer to owning your home than you think? I'm about to share something that changed everything for my clients - and it might just change everything for you too.
The Brutal Truth About Renting in 2024
You're probably thinking:
"I'll never save enough for a deposit" ❌
"Property prices are insane" ❌
"I'm stuck renting forever" ❌
Here's what they don't tell you:
While you're saving for that "required" 20% deposit, you'll pay over $120,000 in rent over the next 4 years.
But what if you could...
Buy your home with just a 5% deposit ✅
Move in this year, not in 5 years ✅
Pay LESS per week than your current rent ✅
Meet Alex & Jamie: From Renters to Homeowners
Brisbane locals Alex & Jamie were paying $580/week in rent.
"We thought we'd be renting forever. Then we found out about the FHBG. We bought our first home with just a 5% deposit, and our mortgage repayments are actually less than what we were paying in rent!"
Unlocking the First Home Guarantee 🗝️
Here's what you need to know:
Low Deposit, Big Possibilities: With the First Home Guarantee (FHBG), eligible first-time buyers can purchase a home with just a 5% deposit.
No Lenders Mortgage Insurance (LMI): Usually, if your deposit is under 20%, you have to pay LMI, which can cost thousands. With FHBG, the government acts as your guarantor, and you can skip that extra cost.
Get into Your Home Sooner: Saving a 20% deposit could take years. This scheme helps you accelerate your path to homeownership.
The "5% Deposit" Solution 🎯
Three things you need to know:
The government is literally backing your loan
No mortgage insurance needed (saves you thousands)
Limited spots available for 2024
But here's the catch: Spots are filling fast, and property prices are rising every month you wait.
Could You Be Next? Let's Find Out! ✅
You might qualify for the FHBG if:
Income: You're earning under $125,000 as a single or $200,000 combined as a couple.
First Home Buyer: You haven't owned property before.
Citizenship: You're an Australian citizen.
Deposit: You've saved at least 5% of the property's value.
Success Story 🌟
Meet Liam, 28, from the Sunshine Coast "I always thought owning a home was out of reach, especially with rising property prices. Then I learned about the FHBG. With just my 5% deposit, I bought my first apartment! The best part? My mortgage repayments are pretty much the same as what I was paying in rent."
More Assistance Is Available! 📋
Aside from the FHBG, there are other grants and schemes you might be eligible for:
First Home Owner Grant (FHOG): A one-off grant for buying or building a new home.
Stamp Duty Concessions: Save thousands on stamp duty taxes.
First Home Super Saver Scheme (FHSSS): Boost your deposit savings by using your super fund.
Ready to Discover Your Path to Homeownership? Let's Chat! 🤝
Book your Free Strategy Session where we'll:
Calculate exactly what you could borrow
Uncover all the grants you're eligible for
Create your personalised roadmap to homeownership
Answer all your questions about the process
Frequently Asked Questions
Q: What if I haven't saved the full 5% deposit yet?
A: I can provide strategies to help you reach your deposit goal faster and explore options like the First Home Super Saver Scheme. More Info Here: First home super saver scheme | Australian Taxation Office
Q: Is there a catch with the government's guarantee?
A: No catch! The government acts as a guarantor for a portion of your loan, which means you don't have to pay Lenders Mortgage Insurance (LMI). See more info here First Home Guarantee | Housing Australia
Q: Can I buy any type of property?
A: There are some property price caps and eligibility criteria, but we can explore options that fit within the guidelines.
Two Ways Forward...
Option 1: Keep Renting
Pay off someone else's mortgage
Watch property prices rise
Miss out on government assistance
Stay stuck in the rental cycle
Option 2: Take Action Today
Start building your own wealth
Lock in today's property prices
Access government assistance
Break free from renting
The Raynor Lending Guarantee ✅
Same-day response
No cost to you for our service
Evening appointments available
Clear communication, no jargon
Even if I cannot help you at this time, we will make a clear personalised gameplan on how we get you owning your home ASAP. You will always be welcome to call me at any time.
In your corner, every step of the way
Jai Raynor | Principal Broker & Founder
Final Thoughts
Owning your own home isn't just about having a place to call your own—it's about investing in your future and building wealth over time. Don't let misconceptions keep you from exploring what's possible.
I'm here to help you, every step of the way. Let's make 2024 the year you become a homeowner.
Still Have Questions?
Book a no-pressure chat. I'm here to:
Answer your questions
Show you your options
Create your custom plan
Help you make the right choice for YOU
