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.
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
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.