First Home Buyer Loans
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Making your first home dream a reality
There are few things more exciting than getting the keys to your first home. Understanding the process to get into your new home is what we can assist with. We can help you plan so that you are not blindsided by lender policies or hidden costs.
We will be there to guide you through the whole process, whether you are buying a house and land package or an established home. We can help you find out what incentives or schemes you may qualify for that may assist you in making your first home dream a reality.
First Steps
Book an appointment with us (no cost), and we can help set out the process as a first home buyer. We will guide you through all the costs associated with a purchase and importantly give you your borrowing capacity allowing you to understand your budget.
Pre-approval
If you haven’t chosen your home yet and want the confidence to make an offer when you find it, we can assist in getting you pre-approved for your purchase.
Apply for incentives
As a first home owner there are a range of incentives that you may qualify for. We can help find out what you can access and help you submit the applications.
First Home Owners Grant
The first home owners grant is a one-off payment to assist first home buyers in buying or building their first home.
The grant is currently $10,000 for newly built homes (substantially renovated properties may qualify). For those purchasing an established property it provides a stamp duty waiver on purchases $430,000 or below and a stamp duty discount for purchases between $430,000 and $530,000.
Click here for the first home owners grant website
First Home Loan Deposit Scheme
The Federal Government launched the FHLDS in January 2020 with 10,000 grants being available to Australian citizens who are buying their first home in that financial year and a further 10,000 from 1st July 2020.
The scheme allows purchasers to have lenders mortgage insurance waived with just a 5% deposit through selected lenders.
First Home Buyers Assistance Account
A grant of up to $2,000 assisting first home buyers in Western Australia with some of the costs associated with their purchase. Available for purchases up to $400,000.
Family Guarantee
Family guarantee is a way that parents can assist their children by providing their property as additional security for the new loan.
It allows a new purchase to be free from lenders mortgage insurance and keeps the loan rate competitive.
There are many considerations when entering into a family guarantee. Get in touch if you’d like more information.
Make your dream home become a reality
It can be daunting, just the thought of going through all your finances and deciding what to do next. At Fox Mortgages we’ve dealt with many clients who feel the same way.
We don’t charge you to review your situation and provide you with a stress-free process. We do all the legwork, all you do is come along to the appointment with a few bits of information and you let us do the hard work.
Get in touch now to book your review with Fox Mortgages.
EXCELLENT182 reviews on
Sue Garrood4 April 2024Top Line Professionalisim. The team at Fox Mortgages were faultless from start to finish. This was my first home purchase & Paul took all the time I needed to talk & help me through every stage answering every small question & query. What I thought was going to be the impossible they made possible for me. Could not fault a single step with the whole team. Communication didnt stop when purchase went through either, the follow ups & check ins show they genuinely want to make sure your off to a good start & can go back at any stage for advice at any stage. Great experience, awesome team could not recommend them any higher!!!!Tania P25 March 2024The team at Fox Mortgage Services are the best mortgage brokers ever! Nothing was too much trouble, the process was so easy and they were so wonderful to deal with, even though we weren’t the easiest of clients! Thanks Paul and the team, you are amazing. 🤩Jonathan20 February 2024Great service efficient painless process. Thank you.Jo Larvin20 February 2024Very helpful and friendly, we had some quirks in our application and they were very responsive at helping to resolve and making sure we got our mortgage. We were so impressed, we went back a second time for another property, and will go back for any future purchases.Ben McGee19 February 2024Paul fox review . Great at his job, provided excellent service to me and my brother for are first mortgage. Professional, friendly, smart / well educated in the industry and very good to work with, thank you Paul and everyone at team Fox.Brent Gordie19 February 2024Very helpful from start to finish.all under controlTeri Hayes4 February 2024Had our free appointment with Paul. He was great to deal with and super honest. We came away with a strong understanding of where we are at financially and where to next. Couldn't have been happier with the consultation. We felt Paul was very knowledgeable, not at all pushy and definitely encouraged us to go for the best deal for us regardless of any benefit to himself. All on a Saturday to fit in with our work commitments. Would highly recommend.Melissa Bishop27 January 2024Highly recommend . We were recommended Fox Mortgage Services through a friend. We are so happy with their services. They were professional and patient with us as we refinanced our home. They kept us informed at every stage of the process and made it easy and simple for us. Would highly recommend Paul and his team.Tepora Puha11 January 2024Such an amazing team. I personally have dealt with Naomi and she is amazing. Communication is 2nd to none and then get from Paul, they appreciate and treat everyone well. Thanks you Team Fox. I highy recommend Fox Mortgages and happily let my friends know.
