First Home Buyer Loans Rates

Looking at the pressure-cooker housing market, the rolling 28-day change in the Cotality combined capitals daily Home Value Index continued to gain momentum, with values up 0.8 per cent over the four weeks to September 9. "They do still need to qualify for the loan itself, and we would expect lenders out there to do their due diligence and make sure the loan is affordable. Ms Ezzy said the new settings would empower first home buyers with greater choice, while helping to level the playing field for those without access to the bank of mum and dad.
“No one was to foresee the Middle East war that would put huge pressure on FIFO Mortgage Broker Perth the standard of living, over and above the interest rate rises. With this house, we decided to set it up for the future so we wouldn’t have to move again. The kitchen and scullery exceeded our expectations, especially having a huge walk-in pantry, as I didn't think we could fit that on our block. Explore our range of stunning display homes and home designs to find the design that suits your lifestyle. Chat with our New Homes Consultants who will help you select a design to suit your needs now and well into the future. We understand the importance of living in a suburb you love, which is why we build in some of the best locations in Perth.

LMI is an insurance premium that protects lenders against potential losses if a borrower defaults on their loan. It's typically required when a borrower has a deposit of less than 20% of the property's value. Just remember that not all lenders will allow you to use a first home buyer grant as part of your deposit. You will likely need to show that you have generated a sufficient deposit through genuine savings. Your first home buyer loan repayments will depend on your loan amount, your interest rate, your loan term and how frequently you make repayments (monthly, fortnightly or weekly). The hardest part of buying my first home was saving for the deposit.
Rental losses on established residential properties acquired after Budget night will only be able to reduce residential rental income or capital gains, rather than being deducted against salary or other income. Investors generally account for around one-third of all property transactions so positive investor sentiment can drive up property prices, especially in sought-after areas. But instead, completions have been running around 170,000 as the home building industry struggles to keep up with rising costs and material and labour shortages and as approvals to build new homes fell.
That's why when you see a rate advertised, you'll see 'based on an LVR of XX' in the fine print. If you don’t have a guarantor, you could use the First Home Guarantee (FHBG) to buy your first home with a minimum 5% deposit and avoid LMI. Contact our team if you have questions about home loans, refinancing, or other lending options.

Some government schemes, like the first home guarantee WA, might help you avoid LMI, even with a smaller deposit. Whether you are a first home buyer or an experienced investor, there are a lot of factors to consider with any property transaction, from the type of property you want to buy, to your budget and financial situation. A settlement agent will work with you to understand your specific needs and requirements and ensure that all the necessary paperwork is in order  before settlement day. There are many benefits to using professional conveyancing services or a settlement agent when buying or selling property.
We keep the process Simple, Acquire Your dream property in just 5 easy steps... To get a better feel of what type of property would work best for you, our Perth buyer’s agency will need to get to know you better. Your goals, desires, wants, and needs will allow us to formulate a clear picture of your property requirements. You can think of us as the helping hand, listening ear, and guiding light that won’t leave your side until you are clutching your brand new house keys.

"This Budget invests inbuilding homes near METRONET stations, unlocking land across our suburbs, andproviding loans to developers delivering affordable homes for WesternAustralians. From today, first homebuyers will pay no stamp duty for newly built or established homes up to$600,000 (up from $500,000), with stamp duty concessions available for homes upto $800,000 (up from $700,000). Under the expanded scheme, price limits are increasing to reflect median house prices in capital cities and regional areas. Typical Brisbane house prices have topped the $1 million mark, leading a national surge expected to limit the scope of the expanded government subsidies for first-home buyers in several cities.
Add in your income and expenses, and you'll get an idea of how much you could borrow from the bank to buy your new home. Perth leads the pack, with annual gains of 24.3%, while Brisbane, Adelaide, and Darwin are also at record highs. By contrast, Sydney and Melbourne values slipped slightly over the quarter and remain just below previous peaks, signalling a more price‑sensitive market for borrowers in those cities. According to Cotality’s April 2026 chart pack, in the latest quarter national dwelling values rose 2.1% and are 9.9% higher over the year, with combined regional markets outpacing the capitals.
With a broad range of investment friendly lenders and credit providers, Gerry can help you structure your lending as effectively as possible to protect your ability to buy more properties sooner. Are you looking for a mortgage broker who can help you with your home loan needs? Are you looking for a mortgage broker in Perth who can help you with your home loan needs? Home loan comparison rates are calculated based on a loan amount of $150,000 repaid over a 25-year term with monthly repayments.

A $375 million investment to push forward the supply of affordable homes has also been unveiled for what is now the country’s third-most expensive city to buy. Personalisation is the name of the game when it comes to building your first home. With WOW Homes, your vision becomes a reality as you have the freedom to customise almost every aspect. From selecting the perfect home design to choosing the finishes and fixtures that align with your style, we collaborate closely with you to create a home that is a true reflection of your personality and unique taste. Our skilled tradespeople ensure that every corner of your home is meticulously crafted to the highest standards, ensuring its longevity and durability for years to come.
His background in international banking gives him unique insight into how lenders evaluate applications, allowing him to present your case in the most favorable light possible. Owner Laszlo combines his decade of international banking experience with deep local market knowledge to deliver exceptional results for clients across all property financing needs. Choose FinanceCorp for professional mortgage broking that combines market expertise with personalized service, delivering smooth, stress-free financing solutions tailored to your unique circumstances. Customer testimonials highlight their genuine commitment to financial well-being, with many clients returning for future purchases and enthusiastically recommending their services. Specializing in first home purchases, refinancing, debt consolidation, and construction loans, they deliver comprehensive financial solutions across Australia. Their extensive lender network and deep industry knowledge enable them to negotiate competitive rates and terms tailored to each client's unique circumstances.

Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval. An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.
According to the Australian Bureau of Statistics (ABS), the number of first-home buyer loan commitments in Western Australia rose 1.7 % in Q2 2025, while the value of those loans jumped 5.7 %. Perth’s relative affordability, compared with Sydney or Melbourne, continues to attract both local and interstate buyers. Easystart Homes acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Owners of the lands and waters on which we live and work, and we offer our respect to their Elders, past and present. A digital home loan with a low variable rate and access to one Everyday Offset account. See the First Home Owner Rate of Duty fact sheet for information about when a transaction will be assessed at the first home owner rate of duty. If you don’t notify the Commissioner as required, you may need to repay the FHOG and be reassessed for duty with penalties and may be ineligible for a future grant.