Buy Your First Home With Just 5% Deposit
--- Government Grants ---
4 Ways The Government Helps You Buy
Federal Scheme
First Home Guarantee
State Grant
$10,000 FHOG Grant
Tax Discount
Stamp Duty Exemption
Tax Saving
FHSS Super Scheme
Whether you’re purchasing an investment property or building a new home, we help you explore finance solutions designed around your property plans.
--- Government Incentives ---
Incentives You Can Tap Into
First Home Guarantee (FHBG)
Buy a home with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI). The government guarantees up to 15% of the loan.
First Home Owner Grant (FHOG)
Receive up to $10,000 in cash grants when buying or building a brand-new home under state-specific price thresholds.
Stamp Duty Exemption & Discount
Pay zero stamp duty or enjoy significant duty concessions on first home purchases below specified property price caps.
--- Expert Guidance ---
Why First Home Buyers Choose Singh Loan
40+ Lenders Compared
We find the lowest interest rates across major Australian banks and specialist lenders.
Zero Cost Service
Our broker service is 100% free for clients—lenders pay us upon loan settlement.
Grant Application Managed
We lodge all government grant paperwork directly with your chosen lender.
--- Simple Pathway ---
Your Path In 4 Simple Steps
Borrowing Power
Pre-Approval
Make An Offer
Settlement & Keys
--- OUR LENDING PANEL ---
Your bank isn't your only option. Compare 40+ lenders for a better deal.
We compare a wide range of lending options to help you find a finance solution that suits your goals and circumstances.
--- Frequently Asked Questions ---
Got Questions? We Have Answers
Buying a property or arranging finance can feel complicated. We’ve answered some of the questions we hear most often to help you get started.
While standard bank requirements suggest a 20% deposit to avoid mortgage insurance, eligible first home buyers can purchase with as little as a 5% deposit using government guarantee schemes.
LMI is a fee charged by banks if your deposit is under 20%. It protects the bank—not you. However, we can help you bypass LMI entirely using federal guarantee programs.
Yes. Many lenders accept genuine savings combined with non-refundable financial gifts from parents, or a family guarantee to cover deposit shortages.
Most lender pre-approvals remain valid for 90 days. If you haven't found a home in that window, we can easily request an extension with updated pay slips.
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