First Home Buyer Guide
A straightforward roadmap for first home buyers from deposit planning to settlement.
Guide
Practical steps in plain English.
Use this as a preparation checklist before speaking with your broker or lender.
Who this guide helps
- First home buyers who want a clearer path from deposit planning to settlement
- Buyers wanting a realistic checklist before speaking with lenders or agents
- Households comparing repayment comfort before they start searching
Plan your budget
- Set your target purchase price range
- Estimate upfront costs including stamp duty and legal fees
- Confirm your deposit strategy and genuine savings history
- Set a repayment comfort limit before searching
Secure pre-approval
- Prepare ID, income evidence, and savings records
- Choose a lender based on policy fit and speed
- Understand pre-approval conditions and expiry
- Avoid major credit changes during this stage
Move from contract to settlement
- Coordinate lender valuation and formal approval
- Finalise conveyancer and insurance requirements
- Review final loan documents carefully
- Confirm funds and timeline before settlement day
Areas we support
Finity Finance works with borrowers across Melbourne South East, including key service areas below.
Need tailored advice?
Turn this guide into a personal lending plan.
If you want this applied to your own numbers and timeline, reach out directly for a clear next-step strategy.