First Home Buyer
First home buyer loans Australia — step-by-step guidance.
Buying your first property in Australia can feel overwhelming. We help first home buyers understand borrowing capacity, grants, documentation, and the path from pre-approval to settlement.
- Deposit and borrowing capacity planning for first home buyers
- Guidance on first home owner grants and schemes where applicable
- Pre-approval support before you make an offer
- Clear explanations of each stage from application to settlement
Contact us to get started!
Complete an enquiry form and our mortgage specialist will be automatically notified. It is that easy!
Your best interest in mind
Our mortgage specialist will identify your key needs and advise on mortgage products that best suit your interests.
Digital collection
A secure link will be sent to obtain details and documentation. No pesky printing required!
Application submission
In less than 24 hours your application can be submitted with market leading rates.
Google Reviews
See what borrowers say about working with Riskwisdom Loans.
Social proof matters when you are choosing a broker. Explore our latest Google feedback and see why borrowers trust us for clear guidance and responsive support.
5.0/5
based on 18 Google reviews
Read Google reviews
★★★★★
“Clear guidance, fast follow-up, and a smoother loan process from enquiry through to settlement.”
Recent borrower review
★★★★★
“Professional advice with practical explanations that made refinancing far easier to understand.”
Recent refinance client
Lender Panel
Trusted across major banks, challenger lenders, and specialist finance providers.
ANZ
CBA
Westpac
NAB
Macquarie
ING
Suncorp
Bankwest
Book a free first home buyer call
Speak with a broker about your deposit, borrowing capacity, and the steps to buy your first home.
Frequently asked questions
What documents do first home buyers need?
Typically ID, payslips or tax returns, bank statements, savings history, and details of assets and liabilities. Requirements vary by lender and employment type.
Can I buy with less than a 20% deposit?
Often yes, though lenders mortgage insurance may apply. Government schemes and guarantor options may also be available depending on eligibility.
Should I get pre-approval before inspecting properties?
Pre-approval is strongly recommended. It clarifies your budget and helps you act quickly when you find the right property.
How much can I borrow as a first home buyer?
It depends on income, expenses, deposit, and lender policy. Use our borrowing power calculator for a guide, then speak with a broker for an accurate assessment.