First Home/Investment Loans

We helped First Home Buyers and Investors to gain more Negotiating Power.

Here’s How we do it.

Buying your first home/investment property in Brisbane is becoming less competitive. With some properties taking longer to sell and fewer buyers competing, first home buyers may have more room to negotiate. Here’s how to make the most of it.

Get Your Finance Sorted

Know your borrowing capacity and arrange pre-approval before you start looking. This helps you set a budget and negotiate with confidence with the vendors who may need a quick answer and need a quick selling outcome.

Understand the Seller

Find out why the owner is selling, how long the property has been on the market and whether there are other buyers. This can help you negotiate a better term and conditions that are not solely based on price.

Know Your Limit

Decide what you’re comfortable paying and avoid revealing your maximum too early to avoid overpaid. Don’t be afraid to walk away if the price and terms are not right.

Do Your Due Diligence

Arrange building and pest inspections and relevant professionals. Have your solicitor review the contract before signing.

Check What Support You Can Get

You could qualify for first home buyer grants, transfer duty concessions, or a loan that counts 100% of your rental income instead of just 75% — potentially boosting your borrowing power. We hunt the loan market, uncover opportunities and find the right finance strategy to give you an edge

Preparation Is Key

A changing market creates opportunities, but being prepared is the key to put you in a better position.
We’ll help you understand your borrowing capacity, loan repayment and organise pre-approval so you can move confidently when doing your property purchase.

First Home Owner Grant

allow 1st home to buy or build their new house, unit or townhouse, to receive $15K support and nil stamp duty if the valued is less than $750,000. In addition, it’s also worth noting that the funds are paid per new home, and not to each of the applicants for the same home

The hidden costs of owning a home in Queensland

October 19, 2026

When you buy a home, most of the attention goes on the purchase price and the size of the loan. But the real cost of owning a property shows up over the years that follow, in bills that rarely make it into the original budget.

First Home Guarantee

Under the First Home Guarantee, eligible first home buyers could instead purchase or build a new home with a deposit of as little as 5% deposit, with the government actually guaranteeing the remaining amount – eliminating a first home buyer’s exposure to paying Lenders Mortgage Insurance.

This new Home Guarantee Scheme indicates allow home buyers on a middle income cut the length of time they needed to save for a deposit on a typically priced Australian home from 8.8 years to just 2.3 years, helping more Australia to fulfill their home ownership dreams.

Separately, a new Regional First Home Buyer Support Scheme has also been allocated 10,000 places.

Planning your money for every stage of life, from your first home to retirement

October 19, 2026

Most of us plan our finances one big decision at a time. We save for a deposit, then a wedding, then school fees, and only start thinking about retirement when it is close enough to see.

Help To Buy Scheme

Help To Buy scheme is targeted towards low to middle income earners, and is essentially a shared equity scheme where the Federal Government contributes 40% for new builds, and 30% for existing properties – meaning that the Government will have a financial stake in your home.

For example :

John is 28 years old and works as a school teacher in Hervey Bay, QLD. He dreams of buying his first home in the same city where he lives and works and close to his parent.

The market price in Geelong is around $750,000. He has $50,000 for a deposit, and his bank has indicated loan support is up to $550,000. This leaves him $150,000 short of being able to afford a home.

After checking his eligibility, John can qualify for the Help to Buy Scheme. Through the Help to Buy Scheme, the Australian Government contribute the 20% shortfall of $150,000, bridging the gap and making it possible for him to purchase his first home.

Thanks to Help to Buy, and our team John achieved his goal of home ownership sooner, and build his equity earlier and also put his saving into a growing asset that build him a brighter future.

While successful applicants would not be required to pay rent on the portion of the home held by the Government, it is expected that the Government’s equity contribution be paid down over time, or paid back in the event property is sold.

Family Home Guarantee

Family Home Guarantee is set to bridge the gap between those who may have completely written off the prospect of property ownership – particularly for single mums, who are historically proven to be financially worse off than their male counterparts.

The newly introduced Family Home Guarantee will allow eligible participants to build or purchase an existing home with a deposit of as little as 2%, and is not restricted to first home buyers. In order for applicants to avoid paying Lenders Mortgage Insurance, the government essentially acts as a ‘guarantor’ to back the remaining percentage of the deposit, which can be as high as 18%.

For a $500,000 property, what this single parent home loan scheme means is that sole parent families can purchase property with as little as $10,000.

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