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.

Based on 25 reviews.
David Martinez
David Martinez
2022-03-04
Great service by Jordan and the Kelston Capital team. Prompt resolution and follow through to secure our mortgage in time for settlement. Thanks Jordan!
Mary Evangelista
Mary Evangelista
2022-02-26
I just want to say thank you to Jordan and Jackson for obtaining the right finance for us. They have been very supportive and understand our financial step which is important to us. Thanks again and will get in touch soon. Truly highly recommended!!
Steve Moratti
Steve Moratti
2022-02-26
Jordan & the team at Kelston capital were able to find the right solution for our mortgage requirements and they made the whole process stress free. We will be using them again.
Chantelle Liron
Chantelle Liron
2022-02-12
Both Jordan and Jackson have been incredibly efficient and attentive whilst sorting finance for our investment portfolios. We've had mixed experience with previous brokers but these guys are on it and came highly recommended. We look forward to work with them in the future.
Tim Snell
Tim Snell
2021-12-13
Jordan went above and beyond to help us hit our settlement date. Can't recommend highly enough.
Christi Arbon
Christi Arbon
2021-12-05
Thank you so much to Kelston Capital, especially Broker Jackson for helping me get my first home! Jackson was extremely helpful and available, always fast to reply and assist with my many questions. Made a stressful process much more enjoyable and would not hesitate to recommend his services.
Kelly Knight-Pellas
Kelly Knight-Pellas
2021-11-30
It was such a relief to find Jordan. I was a mortgage broker for a short period of time so I knew enough to know our previous brokers were not on top of things. They weren't looking at our finance needs holistically and heaps of mistakes were made along the way. Things were completely different from the start with Jordan. He got back to me when he said he would. He clearly answered all of my questions so we knew we were making the best decisions. Within three weeks of my first contact with him, he recognised that two of our properties had been undervalued. He requested new valuations resulting in a significant improvement on one allowing us to come out of pocket less for our next purchase. It's looking good for the second as well. Also, in that 3 weeks, he found us a new lender with a better rate for a new purchase. We settled on the property yesterday. From the first time I spoke to Jordan to settlement was just 25 days - an incredible effort for a much better outcome. I can't recommend Jordan and Jackson enough.
Mel Jovanovic
Mel Jovanovic
2021-11-25
Jordan and Jackson at Kelston Capital have been an absolute pleasure to deal with, accessible and knowledgeable have handled the process of refinancing for us from start to finish.... and saved us 2% interest!! Highly recommend.
Ryan Baker
Ryan Baker
2021-11-25
Kelston Capital quickly assessed my financial situation & were able to achieve a result greater than I anticipated, which has helped me acquire further finance for my intended investment properties. I will be using them again for future loans
Leah Avery
Leah Avery
2021-11-25
Jordan and Jackson have been great to deal with, excellent communication, great advice - would definitely recommend