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1st Time Home Buyer Grants in NSW
If you are a first home buyer NSW and keen to take advantage of first home buyer government initiatives, you can check the below list of grants to help you with your home loan NSW.
First Home Buyers Assistance Scheme (FHBAS)
The FHBAS offers full or partial exemption on transfer duty, also known as stamp duty. Anyone who is an Australian citizen or permanent resident and at least 18 years old can apply for the scheme when buying an existing home, a new home, or a vacant land on which you plan to build your home.
Click here for full details.
First Home Owner Grant (FHOG)
The FHOG is available for an eligible first home buyer Sydney and all of NSW. A grant worth $10,000 is available if you meet the eligibility criteria:
- most of the home was removed or replaced
- the vendor, contractor or a tenant has not lived in the home before, during or after renovations
- the home is sold for the first time since renovations were completed.
Your newly-built home must not exceed $600,000. If you purchased vacant lot and are building a home on it, the combined cost of the land and the building contract
Click here for full details.
Your experience of buying first home is a huge personal milestone. Let us be part of that.
Buying your first home is a dream come true for millions of Australians. But for some, it’s a stressful time too. As well as financial pressures, you might also face challenges finding the perfect property.
At Stryve Finance, we know how important it is to offer great customer service. Our experienced team of expert mortgage brokers have the knowledge and skills to ensure you get the best outcome.
What makes Stryve Finance the #1 choice for home buyers in Australia?
Get incredible interest rates
Our relationship with our panel of lenders allow us to negotiate your interest rate
Expert loan guidance for you
Helping you navigate through the complex application process
Our clients love us
They’re seeking clarity, service and communication and need a proactive broker
Our service is at no cost to you
Organise an appointment to speak about your property goals
Simplifying the loan process
We simplify the loan process for you and actually care about you. Chat to us now.
Self-employed specialists
We take time to learn and understand how your business operates
Book an appointment today
Australia’s #1 Finance Brokers. Don’t end up with the wrong loan – contact us today!
Our service is at no cost to you, with no obligations
So, why wait? If you’re feeling unsure, lost, confused and overwhelmed from conflicting advice, let us help you get approved for that dream home loan sooner than you think.
Our award-winning broker will take the time to audit you, your finances, your goals, your lifestyle, allowing him to tailor a handful of razor sharp mortgage deals for you to choose from.
One call with us will leave you feeling more comfortable, confident about your home loan application, and how we can help you get approved, regardless of your previous setbacks.
Contact us today for a no obligation consultation, at no cost to you.
Hitting a brick wall when trying to buy a house?
Tired of being sent from pillar to post?
Feeling lost and confused by it all?
Stryve Finance has got you covered with expert one-on-one help to find you the right home loan, without the usual hassles and drama.
Whether you’re:
- A first home buyer looking to get into the market
- Existing home owner looking for a better deal
- Struggling to get a loan from your existing bank
- A serious investor looking to expand your portfolio
We can help you get the home loan you need.
Hear from our happy customers
Home loan for first home buyer: What you need to know
For prospective home buyers in New South Wales, applying for your home loan NSW is probably one of the biggest financial decisions you’ll ever make. As the home values here tend to be more costly than anywhere else in the country, it is essential that you get things right the first time. You don’t want to end up paying more than you should — or even stay where you currently rent forever.
Buying your first house is exciting, but it also comes with its fair share of challenges. From deciding where to live to finding a mortgage broker, there are a number of steps involved before you start applying for your first home loan.
1. Talk to a home loan expert
Set up an appointment with your local broker and talk to them about your situation, goals, and reasons for getting a home loan.
The lending specialists in Stryve Finance can offer a wide range of lending products across a panel of over 30 banks. We will work out your home loan eligibility and negotiate between various lenders on your behalf to obtain competitive rates, fees and terms.
2. Requirements to comply when applying for home loan
For a first home buyer, the trail of paperwork they need to complete can be a drag — but slacking off on this stage is a common mistake that a home first buyer makes.
Coordinate with your mortgage broker to make this step more streamlined. The information gleaned from your documents will help your broker determine how much you can borrow and how best to approach your loan application:
- Bank statements
- Proof of savings
- Proof of income like payslips, tax returns, etc
- List of your current assets and liabilities like personal loans, credit card debts, car repayments, etc
- 100 points of personal ID like driver’s licence, birth certificate, current passport, etc
3. Get conditional pre-approval
A home loan pre-approval is a procedure you go through to know your borrowing power based on your personal information.
You can apply for a pre-approval through your chosen mortgage broker after you’ve provided the necessary paperwork.
4. Choose your property
After your pre-approval, you can proceed with scouting for your dream home. Consider a property’s sellability, and whether or not it meets your needs and budget.
Once your offer has been accepted, and you’ve signed a contract of sale, talk with your mortgage broker to arrange a property valuation. This will be conducted by a bank’s panel valuer and takes one to two days to complete.
Hurray, you’re ready to start applying for a home loan!
After completing all the home loan prerequisites, you’re ready to apply for your first time home buyer loan.
Ready to buy your house? Talk to an experienced mortgage broker
No more being passed from pillar to post – we simplify the loan process for you. Call us today to speak directly with a mortgage broker who will handle your case from start to finish, making the whole process smooth, easy and hassle free.
At Stryve Finance, you’re dealing with one person from start to finish, who is in regular contact with a panel of over 20 different banks and lenders.
Our award-winning mortgage broker (MPA Young Gun 2018) knows all the tricks of the trade to make the process as easy and seamless as possible for you.