First Home Loans Solutions
Available Government Support
Access all available government grants and schemes to maximize your savings and reduce your deposit requirements
First Home Owner Grant (FHOG)
One-time lump sum payment to help first home buyers enter the property market. Amount varies by state and location.
First Home Buyer Guarantee Scheme (FHBG)
Purchase a home with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI).
Family Home Guarantee
For single parents and legal guardians - purchase with as little as 2% deposit without LMI.
Regional First Home Buyer Guarantee
5% deposit for regional properties. Must have lived in regional area for 12 months.
Stamp Duty Concessions
Reduction or elimination of stamp duty fees for first home buyers. Varies by state and property value.
First Home Super Saver Scheme
Save for your first home inside your superannuation fund with tax benefits and withdraw for purchase.
Need Help with Grant Applications?
Our experts can help you identify and apply for all available grants and schemes to maximize your savings
Get Grant AssistanceEverything You Need to Know as a First Home Buyer
Comprehensive guide to first home buyer loans, grants, and schemes to help you buy your first home
What is a First Home Buyer?
A first home buyer is someone who has never owned a residential property in Australia. As a first home buyer, you have access to various government grants and schemes designed to help you enter the property market. The first home buyer journey can be complex, but with the right guidance, you can navigate grants, loans, and incentives successfully.
Whether you're looking for a first home buyer loan, need help with the first home buyer scheme, or want to understand first home buyer grants, our expert team specializes in helping first home buyers achieve their property ownership dreams.
First Home Buyer Loans
A first home buyer loan is specifically designed for those purchasing their first property. These loans often come with special features like lower deposit requirements, reduced fees, and access to government guarantees. As a first home buyer, you may qualify for loans with just 5% deposit through the First Home Buyer Guarantee Scheme.
Our first home buyer specialists compare first home buyer loan options from 50+ lenders to find competitive rates and terms tailored for first home buyers.
First Home Buyer Scheme
The First Home Buyer Guarantee Scheme (FHBG) is a government program that allows first home buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI). This first home buyer scheme makes homeownership more accessible for first home buyers.
We help first home buyers understand eligibility for the first home buyer scheme, navigate applications, and structure loans to maximize benefits available to first home buyers.
First Home Buyer Grants and Incentives
As a first home buyer, you may be eligible for multiple grants and incentives:
- First Home Owner Grant (FHOG) - A one-time payment for first home buyers
- First Home Buyer Guarantee Scheme - 5% deposit without LMI for first home buyers
- Stamp Duty Concessions - Reduced or eliminated stamp duty for first home buyers
- First Home Super Saver Scheme - Tax benefits for first home buyers saving through super
Our team helps first home buyers identify and apply for all available first home buyer grants to maximize savings and reduce deposit requirements.
Why Choose RyRo for Your First Home Buyer Journey?
We specialize in helping first home buyers navigate the entire property purchase process. Our first home buyer experts understand the unique challenges first home buyers face and provide personalized guidance for:
What We Offer
Comprehensive first home loans solutions tailored to your needs with expert guidance and competitive rates
First Home Owner Grant (FHOG) assistance
Professional guidance and support throughout your loan journey.
First Home Buyer Guarantee Scheme (FHBG)
Professional guidance and support throughout your loan journey.
Home Builder Grant support
Professional guidance and support throughout your loan journey.
Stamp Duty Concessions & Exemptions
Professional guidance and support throughout your loan journey.
First Home Super Saver Scheme (FHSSS)
Professional guidance and support throughout your loan journey.
5% to 10% deposit options
Professional guidance and support throughout your loan journey.
Streamlined pre-approval service
Professional guidance and support throughout your loan journey.
Access to 50+ lenders
Professional guidance and support throughout your loan journey.
Zero broker fees
Professional guidance and support throughout your loan journey.
Complete guidance from application to settlement
Professional guidance and support throughout your loan journey.
Why Choose RyRo for Your First Home Loan?
Experience the difference with our expert guidance and comprehensive support designed to help you achieve your financial goals
Expert First Home Buyer Guidance
We understand the unique challenges first-time buyers face and provide personalised guidance throughout your entire home buying journey.
Access to All Government Grants & Incentives
We help you access First Home Owner Grant (FHOG), First Home Buyer Guarantee Scheme (FHBG), Home Builder Grant, Stamp Duty Concessions, and First Home Super Saver Scheme.
Competitive Rates from 50+ Lenders
Compare rates from our extensive panel of lenders to find the most competitive loan options tailored for first home buyers.
Simplified Application Process
We handle all the paperwork and complex processes, making your first home purchase as smooth and stress-free as possible.
Ready to Experience These Benefits?
Join thousands of satisfied customers who have improved their financial situation with our expert guidance
Book Free ConsultationYour First Home Loan Journey
Simple, transparent steps to get your first home loans approved with expert guidance every step of the way
Initial Consultation
We discuss your goals, budget, timeline, and help you understand the first home buying process and available grants.
Grant Eligibility Assessment
Review all available government grants and incentives to maximize your savings and reduce your deposit requirements.
Borrowing Power Assessment
Use our Borrowing Power Calculator to determine exactly how much you can borrow based on your income and expenses.
Pre-approval Process
Get pre-approved to know your exact borrowing capacity and shop for properties with confidence.
Property Search & Selection
Find your dream home knowing your budget limits and what you can afford with all available grants.
Loan Application & Settlement
We handle all the paperwork, submit your application, and coordinate settlement with grant applications.
Get Your First Home with Just 5% Deposit
Take advantage of the Australian Government's 5% Deposit Scheme and buy your first home without paying Lenders Mortgage Insurance (LMI)
Why Choose the 5% Deposit Scheme?
Buy Sooner
Only 5% deposit needed instead of 20%
Save Thousands
No LMI payable under the scheme
No Income Caps
From 1 October 2025, no income restrictions
Higher Price Caps
Access to more properties in your budget
NSW Price Caps (From 1 Oct 2025)
Frequently Asked Questions
Common questions about first home loans answered by our expert team
How much money can I borrow for my first home?
While there is no definitive answer as everyone has different requirements, you can use our Borrowing Power Calculator for an accurate estimate. We recommend calling us on 1300 11 7976 for an absolute number based on your specific circumstances and financial situation.
Which loan option would be the best for me as a first home buyer?
There are plenty of loan options in the market, and our mortgage brokers will ensure you get the one that is the best fit for your circumstances. We'll compare options from 50+ lenders to find your perfect match based on your income, deposit, and long-term goals.
How much do I need for a deposit?
With government schemes, you may only need 5% deposit through the First Home Buyer Guarantee Scheme (FHBG). Typically, deposits range from 5% to 10% of a property's value. Contact us for personalised guidance based on your situation and available government incentives.
What is the First Home Owners Grant (FHOG) and am I eligible?
FHOG is available to all Australian residents and citizens who are buying or building their first home. Conditions for this grant vary by state. Contact us to check your eligibility and learn about all available incentives that could save you thousands of dollars.
What other government incentives are available for first home buyers?
There are several incentives including the First Home Buyer Guarantee Scheme (FHBG), Home Builder Grant, Stamp Duty Concessions, First Home Super Saver Scheme, and Regional First Home Owner Grant. We help you access all available benefits.
Can I get a loan with just 5% deposit?
Yes, through the First Home Buyer Guarantee Scheme (FHBG), you can purchase a home with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI). We can help you check your eligibility.
Still Have Questions?
Our expert team is here to help answer any questions you may have about first home loans
