First Home Buyers

Successfully buy your first home with our guidance and home loan expertise.

If you have decided to get into the property market and purchase your first home, it is important to have the right finance structure and advice in place, before you go making offers. 

We’ll make your home loan experience simple and effortless.

With our long term relationships with most lenders and our finance expertise, we’ll find you the right home loan.

We’ll ask about your budget and lifestyle, as well as understand your future plans to make sure your home loan works for you today and down the track.

Best of all, we don’t charge you a fee to use our service as we are paid by the lender when your home loan settles.

That means our focus is solely on finding you a competitive home loan that’s the right fit for you.

Myth Busting

You don’t need:

A 20% deposit to buy your first home

To be in your job for 12 months

To have paid off all your debts to get your first home loan

To build a brand new home to be a first home buyer

To have rented a house from a real estate agent to get a home loan

Frequently Asked Questions

Our clear and helpful process to buying a property successfully

Below are some of the Frequently Asked Questions that we can help with

This is a great place to start. The amount you can borrow will be based on your unique set of financial circumstances. Your income, assets, liabilities and credit history can all affect your borrowing power. Each lender will have a different set of criteria. Our home loan calculator can help give you an idea of how much you can borrow.

Kelston Capital  brokers can help you find which of the hundreds of home loans will best suit your needs. The structure of your home loan has a massive impact on the amount of wealth you create through property.

At Kelston Capital, it’s our passion to be strategic and get you into the perfect home loan for your unique circumstances.

The deposit you’ll require depends on the type of home loan, the strategy and the lender you select.

But typically, as first home buyer, you’ll need 5 – 10% of the purchase price as a deposit.

The FHOG scheme is a national scheme funded by the Federal Government, but administered through each state or territory Revenue Office. The amount available ranges from $7,000 up to $26,000 and differs from state to state.

If you’re buying a property with someone else you can still get the first home owner grant, providing all the co-purchasers are eligible to receive it.

Download this simple step by step guide to buying your first home.

Matthew Hahn
Matthew Hahn
2023-08-20
Highly recommend the team, we have had multiple dealings with them and it has always been easy. Jordan has been a pleasure to deal with.
Tarnie Hopf
Tarnie Hopf
2023-08-09
Highly recommend Kelston Capital for all your property needs. Incredibly professional to deal with, communication was above and beyond (thanks Matt), and by far the most efficient team that we have dealt with. A BIG shout out to Jordan, Matt, Sanjeena & Lilli for all of their hard work. Nothing was too difficult for these guys to manage. 10/10! Thank you for helping us secure our new home! Tarnie & Justin
Luke Ebneter
Luke Ebneter
2023-08-08
Having to work closely with lenders to have our overseas income recognised by the lender, the team at Kelston Capital, in particular Matt, put in an amazing amount to get our development loans approved. Matt's constant communication and refusal to take no for an answer was exactly what we needed.
Alexander Hurcombe
Alexander Hurcombe
2023-07-24
Kelston Capital provided fantastic service with easy to understand guidance and prompt and friendly responses. Couldn't recommend more highly!
Abby Coote
Abby Coote
2023-07-04
I highly recommend using these guys. Jackson & Sanjeena were amazing to deal with. They were super helpful and got back to me straight away with any questions I had. They made it very easy to do business with and they exceeded my expectations. They not only emailed back straight away but made the effort to ring me and explain things verbally. I will definitely be using them again in the future, they made the whole process super easy :)
Isaac Miller
Isaac Miller
2023-06-29
Jackson was fantastic to deal with, responded quickly and saved me 1% interest on my excising home loan. Would recommend highly to anyone. Couldn’t of asked for better service
Robyn Finau
Robyn Finau
2023-06-02
Great service from the team at Kelston! Thanks Jackson & Sanjeena for all your support. A+++!
Anthony Dunk
Anthony Dunk
2023-04-26
Great brokers for re-financing your home loan. Very professional and responsive. Highly recommended!
Kerry Paul
Kerry Paul
2023-03-31
What a fantastic team to have by my side. Jordan, Jackson, and Sanjeena, I can't thank you enough. Very professional and helpful throughout the whole process 👏, guiding me seamlessly through every step of the way. I thoroughly recommend Kelston Capital to all, and I look forward to the next project. Cheers legends 🙌
Danial Ibrahim
Danial Ibrahim
2023-03-30
Can not highly recommend these guys enough. They have made every experience smooth sailing.