
Regional First Home Buyer GuaranteeSolutions
Specialised support for first home buyers in regional areas with access to government guarantees and incentives.
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Expert Guidance
12+ years experience
50+ Lenders
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Regional First Home Buyer Guarantee Solutions
The Regional First Home Buyer Guarantee helps eligible first home buyers purchase a home in regional areas with as little as 5% deposit. This scheme is designed to support regional development and make homeownership more accessible in regional Australia.
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 AssistanceWhat We Offer
Comprehensive regional first home buyer guarantee solutions tailored to your needs with expert guidance and competitive rates
Regional First Home Buyer Guarantee
Professional guidance and support throughout your loan journey.
5% deposit without LMI
Professional guidance and support throughout your loan journey.
Must live in regional area for 12 months
Professional guidance and support throughout your loan journey.
Access to regional grants and incentives
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 regional area guidance
Professional guidance and support throughout your loan journey.
Why Choose Our Regional First Home Buyer Services?
Experience the difference with our expert guidance and comprehensive support designed to help you achieve your financial goals
5% Deposit Without LMI
Purchase your regional home with as little as 5% deposit without paying Lenders Mortgage Insurance through the government guarantee.
Regional Area Expertise
Our team has extensive knowledge of regional property markets and can guide you to the best areas for investment and lifestyle.
Access to Regional Incentives
We help you access regional-specific grants, stamp duty concessions, and other incentives available in your chosen area.
Simplified Eligibility Process
We guide you through the 12-month regional residency requirement and help verify your eligibility for the scheme.
Ready to Experience These Benefits?
Join thousands of satisfied customers who have improved their financial situation with our expert guidance
Book Free ConsultationYour Regional First Home Buyer Journey
Simple, transparent steps to get your regional first home buyer guarantee approved with expert guidance every step of the way
Regional Eligibility Check
Verify that you meet the 12-month regional residency requirement and confirm your chosen area qualifies as regional.
Initial Consultation
Discuss your regional property goals, budget, and preferred locations with our regional property experts.
Grant & Incentive Review
Review all available regional grants and government incentives to maximize your savings and benefits.
Borrowing Power Assessment
Calculate your borrowing capacity and determine the best loan structure for your regional property purchase.
Pre-approval & Property Search
Get pre-approved and start searching for your ideal regional property with confidence.
Application & Settlement
Submit your application and complete settlement with all regional incentives and grants applied.
Frequently Asked Questions
Common questions about regional first home buyer guarantee answered by our expert team
What is the Regional First Home Buyer Guarantee?
The Regional First Home Buyer Guarantee helps eligible first home buyers purchase a home in regional areas with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI).
What are the eligibility requirements?
You must be a first home buyer or haven't owned property in the past 10 years, be an Australian citizen or permanent resident, aged 18 or over, and have lived in a regional area for at least 12 months.
What areas are considered regional?
Regional areas are defined by the Australian Government and include areas outside major capital cities. We can help you check if your preferred area qualifies as regional.
How much deposit do I need?
With the Regional First Home Buyer Guarantee, you can purchase a home with as little as 5% deposit without paying LMI, making homeownership more accessible.
Can I buy any type of property?
Yes, you can buy or build a property of any type (new or established) in an eligible regional area under this scheme.
What other regional incentives are available?
In addition to the guarantee, there may be regional-specific grants, stamp duty concessions, and other incentives available depending on your location.
Still Have Questions?
Our expert team is here to help answer any questions you may have about regional first home buyer guarantee

Sumit Joshi
Senior Loan Advisor & Director
“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
- Vandhana Naidu
What Our Customers Say
Based on 331+ verified Google Reviews. Here's what our satisfied customers have to say about their experience with RyRo Loan Centre.
Vandhana Naidu
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond a..."
Emi Lia
"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! Helped us a..."
Rajnil Sharma
"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free. I apprec..."
SS
"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment l..."
Garima Sharma
"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went above and be..."
Info Nue Design Homes
"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of hi..."
Gopichand Paladugu
"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in ev..."
Naga Seramsetty
"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn't have ask..."
Andrew Napier
"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-free, and ..."
Kamal Raqba
"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right direction and prov..."
Adam Moffat
"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Sumit at RyR..."
Yash Dharva
"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process smooth, s..."
Praneet Singh
"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal with if I..."
Sudhir Sehgal
"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Australia I h..."
Chloe Martirena
"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always made time ..."
Suvidha Horn
"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for any home ..."
Alex
"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two later, he..."
Jay Patel
"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highly knowledg..."
Manjit Kaur
"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of the way, ..."
Tyler Howard
"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straightforward...."


“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
Vandhana Naidu
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