First Home Buyers Loans

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First Home Buyer Loans - Home Loan Mortgage Broker Perth

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.


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.

Click here for the first home buyers assistance website

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.

Fox Mortgages Broker Finance


What Our Clients Say

Matt R

I can’t recommend Rebecca from Fox Mortgage Services highly enough! From the moment that I contacted Bec to help me purchase my first house, she always gave me a mountain of information and went through all the options. Always an absolute pleasure to deal with – even when I rang her while she was on holiday! She follows everything to the very end and always makes time to help with any queries. I’ve already recommended her to everyone that I speak to about my place and my folks are going to re-mortgage through Bec in the near future. Thank you!

Elise & Stephen, Stratton, WA

Paul has been an outstanding mortgage provider with on point advise and fantastic communication skills. He explained everything in advance with more than enough examples so i could make educated decisions with ease. I was given the sound advice I required to make the decision that best suited my needs and was supported by Paul along the way. Paul took charge and worked diligently with the bank of my choosing to secure a great deal and handled the day-to-day correspondence whilst keeping me updated. I was very lucky to work with Paul and look forward to more business in the future together.

Jayne C

We’d like to thank Fox Mortgages for all their help in securing our first home!! Paul and Bev are amazing! They were effortless in answering all our questions and explaining everything simply so the process wasn’t overwhelming or stressful!! Will be recommending them to everyone we know!! Thank you again Paul and Bev we are so grateful for all that you have done!! Fox Mortgages are the Best!!

Ziggy S

Bec you were absolutely amazing. Thank you so much for all your help and guidance. You listened to all my needs and found me a mortgage that suited me perfectly. I would recommend you in a heartbeat .10/10 thank you so much for making it all so easy xxxx

Zen M, Leederville, WA

We would highly recommend Fox mortgage services to anyone looking to navigate the finance market. Beverley looked after us and was so professional and helpful. Nothing was too much trouble and she went above and beyond to ensure that our affairs were handled efficiently. If you want a broker you can trust to look after your interests and find the best deal for you, these guys won’t disappoint. Thank you so much.

Cathy, Secret Harbour

I was very impressed with the results Paul and everyone involved helped me achieve! In the end that’s what counts. Paul always manages to get a better deal than anyone else can! There has been a lot happening in the loan market and he seems to be able to navigate smoothly and quickly to secure a great deal each time. Paul is very experienced and easy to deal with and I would be happy to work with him again.

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