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.
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.