First Home Buyer | FN Estates

3,800+ First Home Buyers

Your First Home Journey

Buying your first home is an exciting milestone, but the process can feel overwhelming. FN Estates has helped over 3,800 first home buyers achieve their dream of home ownership through our specialised First Home Buyer program — a comprehensive service that guides you from understanding government grants right through to receiving your keys.

Our dedicated first home buyer specialists stay up to date with every state and federal scheme, including the First Home Guarantee, First Home Super Saver Scheme, and all stamp duty concessions. We ensure you access every dollar of support you are entitled to, while helping you find a property that fits both your lifestyle and your budget.

Expert guidance on all first home buyer grants and schemes
Pre-approval assistance and lender introductions
Targeted property search within your budget
End-to-end support through to settlement

How It Works

Your Journey to Home Ownership

A clear, step-by-step path to buying your first home with confidence.

01

Financial Foundations

We assess your financial position, discuss available grants and schemes, and connect you with trusted lenders for pre-approval.

02

Property Discovery

Targeted property search based on your budget, preferred suburbs, and must-have features. We arrange inspections and provide market insights.

03

Offer & Negotiation

We guide you through making offers, negotiating with vendors, cooling-off periods, building inspections, and finalising your finance.

04

Settlement & Beyond

Coordinating with conveyancers, lenders, and agents for a smooth settlement. We help you settle in and connect you with home services.

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First Home Buyers Assisted

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In Grants Accessed

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Average Client Rating

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Success Rate

What We Offer

First Home Buyer Support

Everything you need to navigate the journey to home ownership with confidence and clarity.

Grant Applications

Full assistance with First Home Owner Grant applications, documentation, and lodgement across all states and territories.

Scheme Guidance

Expert advice on government schemes including the First Home Guarantee, Family Home Guarantee, and First Home Super Saver Scheme.

Pre-Approval Help

We connect you with Australia's leading lenders, help prepare your application, and guide you through the pre-approval process.

Property Selection

Tailored property recommendations, inspection scheduling, suburb analysis, and growth potential assessment for your budget.

Legal Support

Referral to trusted conveyancers who specialise in first home buyer transactions, including contract review and settlement.

Settlement Assistance

Hands-on support through the final stages including final inspection, funds transfer, keys handover, and post-settlement check-in.

FAQ

First Home Buyer FAQs

Answers to the most common questions from first home buyers.

Key schemes include the First Home Owner Grant (FHOG) offering up to $10,000 depending on your state, the First Home Guarantee allowing purchases with as little as 5% deposit without LMI, the First Home Super Saver Scheme enabling voluntary super contributions for a deposit, and various stamp duty concessions which can save tens of thousands of dollars.

Traditionally a 20% deposit was required to avoid Lenders Mortgage Insurance (LMI), but government schemes now allow purchases with as little as 5% deposit. Through the First Home Guarantee, even 2% deposits may be possible in some circumstances. We assess your situation and recommend the best pathway for your financial position.

Beyond the property price, budget for stamp duty (which may be concessional for first home buyers), conveyancing fees ($800–$2,500), building and pest inspections ($400–$800), lender application fees, mortgage registration, and moving costs. We provide a detailed cost sheet during your consultation so there are no surprises.

Your First Home Starts Here