First home buyers · All of Australia

Your first home,
the smart way.

Buying your first place is exciting — and confusing. We translate the bank speak, find the grants you qualify for, and match you to the right loan from more than 50 lenders. No jargon, no cost to you.

Get my free assessment Call 1300 778 000
50+ lenders on panel
Same-day response
Fully digital, anywhere

See what you can borrow

Takes about 60 seconds. We'll come back to you the same business day.

No obligation. Your details stay with NPV Finance and are never sold.

Thanks — we've got it.

One of our brokers will be in touch shortly. If you'd rather talk now, call 1300 778 000.

50+ lenders compared for you
8 states & territories serviced
$0 cost to you in most cases
5% deposit schemes available
100% digital, all states & territories
1 point of contact, start to finish
Why first home buyers pick us

We speak bank, so you don't have to

Finding the right home loan can be a long, complicated process. Our job is to strip that back — comparing the market, explaining the trade-offs in plain English, and handling the paperwork while you get on with your life.

Expert advice

We know which lenders say yes to first home buyers, and which ones will only waste your time. That knowledge is the whole job.

Digital convenience

Everything runs online — documents, signatures, updates. We service every state and territory, and we work around your hours, not banking hours.

Fast, but thorough

We move quickly when a property is on the line, without cutting corners on the detail that gets an application approved first time.

Solutions built for you

No two first home buyers look the same on paper. Your income, your deposit, your goals — the loan is shaped around all three.

Honest and transparent

A straight answer every time, including when the answer is "not yet". You'll always know where you stand and what happens next.

With you, and for you

One person owns your file from first chat to settlement day — and sticks around long after the keys are handed over.

Grants & schemes

Government help you may not know you qualify for

If your borrowing power is a little short, or your deposit isn't quite there yet, state and federal support can close the gap. We check every scheme you're eligible for before we look at a single loan product.

  • Australian Government 5% Deposit Scheme — buy sooner with a smaller deposit.
  • First Home Owner Grant & duty concessions — cash and stamp duty relief that varies by state.
  • Help to Buy & shared equity schemes — the government takes a share so you need to borrow less.
  • Family guarantee options — the Bank of Mum & Dad, structured properly.
Check my eligibility

Smaller deposit

Get in with as little as 5% and avoid paying lenders mortgage insurance where the scheme applies.

Buy sooner

Years of extra saving can turn into months when the right scheme is applied to your situation.

Duty concessions

Stamp duty savings differ in every state. We work out exactly what applies where you're buying.

No guesswork

Rules change often. We keep across them so you don't miss a deadline or a cap.

The process

Four steps from curious to keys

A real sequence, not a sales funnel. Here's exactly what happens once you get in touch.

01

The first chat

We talk through your income, savings and what you'd like to buy. No documents needed yet — just an honest conversation.

02

Your borrowing picture

You get a clear number: what you can borrow, what you can comfortably afford, and which grants you qualify for.

03

Pre-approval

We match you to the right lender and lodge the application, so you can make offers with real confidence behind you.

04

Offer to settlement

Contracts, finance clauses, inspections, conveyancing, settlement — we guide you through each one until the keys are yours.

Quick estimate

Play with the numbers

A rough guide only — your real borrowing power depends on your full situation. Move the sliders to see how the pieces fit together.

$95,000
$45,000
$400

Assumes a 30-year term and an assessment rate buffer. Lenders each assess differently — the only way to know your real number is a proper review.

Indicative purchase budget $520,000

Estimated borrowing of $475,000 plus your deposit.

Get my real number
Client reviews

First home buyers, first-hand

What people say after the keys are in their hand.

★★★★★

We walked in thinking we were years away from buying. NPV worked out we qualified for a scheme we'd never heard of and we were in our own place within five months.

EM
Ella & MarcusFirst home, Newcastle NSW
★★★★★

Everything was done from my phone. I never had to take a day off work, and I got an answer to every question the same day I asked it.

TN
Tayla N.First home, Geelong VIC
★★★★★

Two banks had already knocked us back. NPV Finance found a lender that understood our income and got us approved without any drama.

RP
Ravi P.First home, Melbourne VIC
★★★★★

Straight talkers. They told us to wait three months and fix one thing first — and they were right. Better rate, bigger loan, zero stress.

SC
Sophie C.First home, Brisbane QLD
★★★★★

They explained offsets, redraw and fixed versus variable in about ten minutes, and it finally made sense. That alone was worth it.

DK
Daniel K.First home, Perth WA
★★★★★

Settlement week got messy and they were on the phone with the conveyancer sorting it out while I was at work. Genuinely went above and beyond.

AH
Amy H.First home, Adelaide SA
The NPV Finance team Mortgage & finance brokers
Who you'll be dealing with

Down to earth. Meticulously thorough.

NPV Finance is a team of Australian mortgage and finance brokers who spend their days doing one thing well: getting first home buyers approved. We've sat on both sides of the desk, so we know exactly what a lender is looking for before your file ever reaches them.

We're the tell-it-how-it-is type — honest, hardnosed and painstakingly thorough with the detail that gets applications over the line. If the answer is "not yet", you'll hear that too, along with exactly what to fix.

Most importantly, we're here to help you.

Call our team Email us
Our panel

Over 50 lenders, one application

Big four, regional banks, credit unions and specialist lenders — all compared side by side, so you're not stuck with whichever branch you happened to walk into.

ANZ
Commonwealth Bank
NAB
Westpac
Macquarie
ING
Bankwest
St. George
Suncorp
Bank of Melbourne
MyState
Bank of us
BOQ
AMP
Great Southern Bank
Pepper Money
Athena
ubank
Beyond Bank
Firstmac
Resimac
Adelaide Bank
Virgin Money
Teachers Mutual
Common questions

The things everyone asks first

Most lenders look for 20% to avoid lenders mortgage insurance, but first home buyers can often get in with 5% through government schemes, or less with a family guarantee. The right answer depends on your income, the property and which scheme you qualify for.

In most cases, nothing. Lenders pay us a commission when your loan settles. Where a fee would ever apply, we tell you upfront and in writing before you commit to anything.

We assess your position first and only lodge with a lender we genuinely expect to approve you. That avoids the multiple applications that leave marks on your file when people shop around bank by bank.

Yes. Lenders just assess your income differently and will usually want your financials up to date. Some lenders are far more comfortable with business owners than others — knowing which is a big part of what we do.

Pre-approval commonly takes a few days to a couple of weeks depending on the lender and how quickly documents come through. From an accepted offer to settlement is typically four to six weeks.

Not at all. We're a fully digital service operating across every Australian state and territory. Phone, video and e-signatures mean it works the same wherever you are.

Fixed locks your rate for a set period, which makes budgeting predictable but limits extra repayments and offset features. Variable moves with the market and is usually more flexible. Plenty of first home buyers split the loan across both.

Nothing for the first conversation. When we move to an application, you'll typically need ID, recent payslips, bank statements and a summary of any other debts. We'll send you a clear checklist.

Ready to make the move?

A loan isn't just a transaction — it's the start of something. Tell us where you're up to and we'll map out exactly what's possible from here.

Get my free assessment Call 1300 778 000
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