Your First Home, Made Simple
Get expert support from pre-approval to settlement—and access government grants and tools that make your journey easier.
Welcome First Home Buyers
Buying your first home is one of the biggest financial steps you’ll take—and Ellerfield is here to guide you every step of the way. We simplify the process, explain your options, and help you access government incentives designed to support first-time buyers.
Your Step-by-Step Journey
How We Help First Home Buyers
01
Initial Consultation
Meet with one of our mortgage brokers to understand your goals, borrowing capacity, and loan options.
02
Pre-Approval
We arrange a conditional pre-approval from a suitable lender, so you can shop with confidence.
03
Find Your Property
Once you’ve selected a home, your broker will guide you through the next steps.
04
Formal Approval
We finalise the paperwork and secure your formal loan approval.
05
Conveyancing & Insurance
We can connect you with recommended professionals to handle legal and protection matters.
06
Settlement Day
Your broker coordinates with your lender and solicitor to ensure smooth settlement and handover.
Government Grants & Incentives
First Home Owner Grant (FHOG)
A one-off payment (usually $10,000) for eligible first home buyers purchasing or building a new home.
First Home Guarantee (FHG)
Allows eligible buyers to purchase a home with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI).
Stamp Duty Concessions
State-specific reductions or exemptions for eligible first-time buyers.
Super Saver Scheme
Allows voluntary super contributions to be released for a home deposit under certain conditions.
Budget Planning Tools & Resources
To help you stay in control and make informed decisions, we provide:
Home loan calculators for budgeting and repayment forecasting
Property checklist templates
Sample purchase cost breakdowns
Guidance on deposit-saving strategies
Learn As You Go
Our educational content is designed to demystify the home buying process. Access our:
First Home Buyer eBook
Loan comparison guides
Glossary of mortgage terms
Frequently Asked Questions (FAQs)
All resources are available free of charge through our online knowledge base.