FIRST HOME BUYERS

Buying Your First Home? Overwhelmed, Confused, and Unsure? You're Not Alone.

Buying your first home should be an exciting milestone—but for many, it feels overwhelming, confusing, and full of uncertainty. With so much conflicting information online, complicated loan options, and the stress of saving for a deposit, it’s no wonder first-home buyers often feel lost before they even begin.

Do These Struggles Sound Familiar?

  • You’re constantly reading different advice online and don’t know who to trust.
  • You’ve heard of government grants and incentives, but you’re not sure if you qualify or how to apply.
  • You’re worried you don’t have a big enough deposit and aren’t sure how much you really need.
  • The home loan process feels overwhelming—so many lenders, so many options, and so many hidden costs.
  • You’re afraid of making a mistake that could cost you thousands.
  • You feel pressured to buy now but don’t know if you’re truly ready.

If you’re nodding your head, you’re not alone. Most first-home buyers feel the same way—and that’s exactly why we are here to help you.

Simplifying the Home Buying Journey for You

With over 21 years of experience, we specialise in guiding first-home buyers through the entire process—from the moment you start thinking about buying to the day you pick up your keys. Our approach is more than just securing a loan. We focus on educating and empowering you so that you feel confident, prepared, and in control of your financial future.

How we Help First-Home Buyers Like You

✅ Clarity in a Confusing Process – We break everything down in simple, easy-to-understand steps so you know exactly what to expect at each stage.

✅ Strategic Planning for Your Situation – Whether you need help saving a deposit, understanding loan options, or planning for hidden costs, we help you create a plan that fits your unique circumstances.

✅ Access to Government Schemes & Grants – We help you navigate the complex eligibility criteria for first-home buyer incentives so you maximize your savings and take advantage of every opportunity available to you.

✅ Personalized Loan Structuring – We match you with the right loan for your goals, ensuring you’re set up for long-term financial success.

✅ Negotiation & Settlement Support – From understanding property prices to negotiating with your real estate agents and your conveyancer we provide expert guidance to ensure you get the best possible deal.

No More Guesswork—Let’s Get You Home-Ready

Buying your first home doesn’t have to be stressful or confusing. With the right guidance, it can be an empowering and exciting experience. We’ve helped countless first-home buyers move from uncertainty to confidence, from confusion to clarity, and from renting to homeownership.

Ready to take the first step? Let’s chat about your homeownership journey and create a plan tailored just for you.

Book a free consultation today and let’s turn your homeownership dream into a reality!

Find Your Zero are those experts.

Book a FREE 15 min call

Imagine Purchasing your First Home Before 25?

WE CAN SHOW YOU HOW...

At Find Your Zero, our speciality is sharing with you the skills and strategies you never learnt at school to enable you to enter the market at a young age. We have helped clients as young as 21 years old to buy their first investment property.

Trust me, it’s actually quite simple once you learn the ropes and start working towards your goals.

Click below to ‘Get Started with your FREE Strategy Session’ today. We offer a no obligation free consult. This enables us to see if we are a good fit to work together to help you achieve your dreams and goals and find out what grants you may qualify for and how much you can qualify to borrow.

Get Started with your Free Strategy Session

Customer Testimonials

  • ⭐ ⭐ ⭐ ⭐ ⭐

    We have just bought a home in Pascoe Vale and we couldn’t be happier. Belinda was very professional in her approach to make sure any issues we had were resolved as soon as possible and without hesitation. We will definitely recommend Belinda to anyone that is needing a mortgage broker – Anthony

  • ⭐ ⭐ ⭐ ⭐ ⭐

    My wife and I got referred to Belinda after having some difficulty finding a mortgage solution for our property purchase. Belinda worked very hard and went above and beyond to secure us a lender. I can highly recommend Belinda @ “find your zero”, we are very happy with the result and will be going back to her for future financing - Mark

  • ⭐ ⭐ ⭐ ⭐ ⭐

    I can’t thank Belinda enough! She helped me purchase my first home with ease. She was only a phone call away to answer any of my questions no matter the time or how silly I might have thought they were. Belinda made the entire process streamlined and as less stressful as she could – Lauren

Commonly Asked Questions

How much deposit should I have?

In most cases only a 5% deposit is required (plus legal fees).

Broker Vs Bank

Let’s imagine you needed or wanted a new TV, fridge, mobile phone or even a holiday for that matter.

Would you go into a store that only had one brand, a few different models to choose from; and prices were not negotiable.

Would this work for you? My guess would be NO. Of course you would prefer to go somewhere else. Somewhere that offers more choice or options for you to go crazy, is that right? If you answered yes, then why would you consider a Bank? Basically, by going into a Bank that is exactly what you are doing. You are choosing to limit your options, but more importantly, do you think that a Bank would tell you that another Lender (their competitor) will offer you a cheaper rate, or a more suitable product for your needs.

How do I know if I am an eligible First Home Buyer?

There are a few requirements to be an eligible first home buyer.

  • it’s only available to first home buyers. You—and your spouse or partner—can’t have owned property before.
  • you can only receive the grant once
  • you must be an Australian citizen or permanent resident (may vary by state or territory)
  • you must be a ‘natural’ person (in other words, a real human, not a company or a trust)
  • you must live in the house for at least six months once it’s built most states and territories have a minimum age requirement (usually 18)
  • maximum purchase price is between $575,000 and $750,000 (depending on state or territory)
  • in almost every instance, the property must be either new or ‘substantially renovated’ (ie. much more than just a new kitchen).

What Schemes are available?

In Victoria

  • Stamp duty removed or reduced – We abolished stamp duty if you’re a first home buyer and buying a house for $600,000 or less.
  • First Home Guarantee – Buy your home with as little as 5% deposit and no Lenders Mortgage Insurance.
  • Family Home Guarantee – Buy your own home with the Family Home Guarantee (FHG) with a deposit as small as 2% deposit and no Lenders Mortgage Insurance
  • First Home Owner Grant – Get access to a one-off grant for the purchase or build of a new home.

How much should I be saving for a deposit?

We offer courses that will teach you the skills you need to start saving your money and guide you in the right direction to begin your property journey.

Here's some of our Lenders: