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📊 Market Leading Interest Rates
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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.

Sydney Home Loans

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

    • Massive thanks to Jake for helping us out with our mortgage. Extremely helpful and was with us every step of the way. He kept us updated and was able... read more

      Kaitlin King Avatar Kaitlin King
      July 7, 2022
    • Dylan has helped us with our mortgage requirements for many years now and cannot recommend him highly enough. With the assistance of Dylan and Jake, our most recent enquiry was... read more

      Chris Sullivan Avatar Chris Sullivan
      July 4, 2022
    • Dylan was recommended to me by a friend and I’m glad. He went above and beyond. Everything went smoothly and any questions I had, Dylan would be on the phone... read more

      Samantha Mizzi Avatar Samantha Mizzi
      June 20, 2022
    • My husband and I have used Dylan twice over the years. First to help us secure a loan for our first home when we were struggling to find anyone else... read more

      Elise Castersen Avatar Elise Castersen
      June 20, 2022
    • Massive thank you to Dylan and the team. They made my entire experience from start to finsh an absolute breeze. Truly cannot recommend them enough, and hope to use them... read more

      Ryan Shepherd Avatar Ryan Shepherd
      June 20, 2022
    • Buying a first home can be really daunting and stressful .. but working with Dylan and the Stryve Team took all the worry and stress away. Dylan not only looked... read more

      Carla Kokozian Avatar Carla Kokozian
      June 20, 2022
    • A huge thank you to Dylan for the second time in refinancing a loan to purchase our second investment property. From the start to the end of the process our... read more

      Nardia Gioiosa Avatar Nardia Gioiosa
      May 11, 2022
    • At the start of the year I decided I wanted to try buy my first property in Sydney. My Mum gave me Dylan’s contact number and within the first phone... read more

      nicole lucas Avatar nicole lucas
      May 11, 2022
    • Thank you Dylan for your fantastic support and knowledge in helping us to own our first house. You just went beyond customer service and made us feel so comfortable. We... read more

      amanda jonker Avatar amanda jonker
      April 11, 2022

    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.

    home loans sydney - shake hands
    Kari Moffat
    Kari Moffat

    left us a 5 star review


    Dylan is fantastic to work with and sorted problems so fast. Great communication, highly recommend!

    Kari Moffat June 3, 2023

    Really happy with Dylan's service. Dylan is professional and he makes things happened quick. Can't go wrong with his service.

    Justin Wang May 18, 2023

    I cannot recommend Dylan enough!!! My husband and I have a mixture of perm income as well as self employed - due to this, a few brokers turned us away, but not Dylan! He was able to listen to our situation and find a bank to approve us. He was so professional and he was just as excited as us when it all came together! Thanks again!


    We highly recommend Dylan and the Stryve team. They're professional, knowledgeable and great communicators who listened to our mortgage needs and provided products that suited us. Stryve has assisted us multiple times with products and are proactive in seeking lower interest rates.

    Sharnae Filcich April 28, 2023

    Refinanced my mortage with Dylan. He did a fantastic job and helped me with every aspect of it. I would highly recommend him to anyone.

    patrizia tarantola April 19, 2023

    Dylan is an absolute star and fantastic broker! From the moment we began the process to refinance an investment and make a new purchase with the equity, all the way through to settlement, Dylan was attentive, supportive and proactive. His dedication to the outcome and continual value checks to ensure we were getting the best possible rates were such a great service. Dylan made the seemingly daunting task of this whole process a pleasant and positive experience, always transparent and happy to take the time to explain all the moving parts and answer all our questions. Will definitely be engaging Dylan for our future financing needs and cannot recommend him enough! Thanks Dylan!

    metcaelfe April 17, 2023

    Dylan and the team at Stryve have been fantastic from day one, with a personable approach to business and a strong knowledge of the market. Dylan has helped us secure the best possible rates available and navigate the finance processes for our first home, and two cars. I highly recommend the team at Stryve and want to thank Dylan, Jake and all the team for their ongoing support and guidance up to settlement and beyond as we continue our journey.

    Lucas Maidment April 12, 2023

    Dylan Bertovic provided expert support and guidance from the very earliest stages of my property buying journey in Australia. Dylan delivered pragmatic advice, and was able to understand and deliver according to my specific property goals. Bonus points is that Dylan was patient enough to repeat himself when I kept forgetting minor details along the way!

    Simon Moore March 9, 2023

    On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. Thank you for your professionalism, your hard work and your friendliness as well. We now live in our dream home and we have you to thank for that :) We highly recommend Dylan to all our family and friends.

    Merna Yalda March 7, 2023

    Dylan assisted my partner and I through the purchase of our home. From getting pre approval through the completing the application and purchase of our home it was seamless. We cannot thank Dylan enough for being accessible and communicating with us through the whole process. We will be recommending to all our family and friends!

    Tamara February 8, 2023

    I really can’t rate Jake Fuller highly enough. Jake came along to help me get a home loan refinance through the toughest time in my life through a messy marriage separation. This involved countless interactions with banks, finance companies, lawyers and various agencies. It was a very complicated matter added with the emotional stress of the situation. For all the people I had to work with through this, I can honestly say Jake went above and beyond on so many occasions and was by far the only one throughout the whole process who I could completely rely on. He was always extremely supportive, positive, showed a huge amount of compassion and care, and was able to find me a fantastic financial outcome which worked perfectly for me and relieved a huge amount of stress, uncertainty and pressure. Through all of this Jake was an absolute rock. I honestly don’t think I could’ve done it without him. His service went far above and beyond the financial side, he clearly cared and went out of his way to get onto every stumbling block that came our way, nothing was a problem for him and he acted so quickly and effectively handled every step with the utmost of professionalism. I honestly can’t thank him enough and can’t rate him highly enough. I’ve made it to the outside now with a fantastic outcome. Thanks so much Jake!

    Luke Jackson January 25, 2023

    Thank you very much Dylan, you made purchasing my first home possible under such short times and everything else. Your work ethic and client centric approach really speaks for itself. I can’t recommend you enough you are amazing thank you

    Audrey Eshiloni January 25, 2023

    Dylan made the process of buying our first house stress free and easy. He was approachable to start with and very responsive to all of our questions throughout the process. Can not recommend enough.

    Blake Ridges January 25, 2023

    Dylan helped me for 18+ months until I found the right property. Would 100% use his services again and recommend to friends and family.

    Emilio Mattiuzzo January 10, 2023

    I highly recommend Dylan. I bought my first home with Dylan’s help and couldn’t have done it without him. His organisational skills and responsiveness made the process way less stressful. He also has a great ability to think outside the box and got me the best deal possible. I look forward to using Dylan again when I remortgage or buy my next property.

    Chad H December 19, 2022

    Dylan worked fast and went above and beyond to help me refinance. He spoke honestly and clearly and was always pushing for my best interest while working with lenders. Highly recommend.

    William Nguyen December 13, 2022

    I wanted to give a huge thanks to Dylan, he is so informative and knowledgeable, he guided me through step by step to obtain the loan. It was easy and comfortable process working with him! I will definitely use him again.Thank you for you support!

    Giuseppe Soriano November 21, 2022

    Huge THANK YOU to Jake for helping us sort out our loans and refinancing them so my husband and I can start fresh and get our foot started with saving for a home. Jake was super professional and quick to respond with any questions we had. He explained the process to us perfectly and made the process so much easier for us. We cannot thank Jake enough for his time and effort getting our loan sorted. Looking forward to working with Jake in the near future. Highly recommended 10/10

    Tessa Manumua October 26, 2022

    Thank you Dylan! Dylan was so informative and knowledgeable. He made the process seamless and kept me updated every step of the way. I couldn’t recommend him enough. Refinancing through Dylan was the best decision I made . Thank you again Dylan!

    Alex Talia October 26, 2022

    Jake helped us re-finance our home during a very stressful time for our family. His compassion, efficiency and thorough understanding of mortgage made this experience painless and easy. I highly recommend Jake for your mortgage broking needs! 10/10!

    Sarah Townend October 25, 2022

    Dylan has been absolutely great along the process. He is professional, responsive, a great communicator and wonderful support throughout. Highly recommended.

    Monica Velez Posada October 19, 2022

    Was an easy and comfortable process working with Dylan! Dylan is super knowledgeable and will definitely use him again. Thank you for you support!

    Angela Maiuolo October 17, 2022

    Fantastic customer service. Dylan made our purchase a straightforward, smooth journey from start to finish. He kept us in the loop throughout all stages of pre-approval and purchase of our home and was always available for any questions/queries we had. Thanks Stryve!!

    Joseph Caccamo October 17, 2022

    Dylan was an absolute legend to work with. His communication is amazing and explains everything so you are never in the dark. I can't recommend Dylan and his team enough.

    Andrew Marrone October 16, 2022

    We came across Dylan Bertovic after spoken with several brokers. Our experiences with Dylan were great and we knew after spoken with him that he has the heart to help people fulfill their dreams. He was very professional, prompt to respond whenever we reach out to him. He was on top of his works, and we highly recommended him to anyone whose looking for a broker who is willing to help you all the way.

    Liuvao Tamati October 13, 2022

    Dylan is really professional and responsive, guided me through all the steps with buying my first home. I would highly recommend him to all my friends and family.

    sandra petros October 1, 2022

    Got recommended to Dylan by one of my mates and I couldn’t be more pleased with the out come, will definitely be going through dylan again!

    Jhy Rowley August 19, 2022

    Dylan was amazing to work with, he was punctual to the minute and always followed up with his client. He was knowledgeable in my peculiar case and was upfront about the whole process. He always found a way to answer my concerns and help me with my application process. I would 100000% recommend Dylan to family and friends, and hopefully work with him again soon. Cheers Dylan

    Nashwan Istephan August 6, 2022

    The team at Stryve really made the whole refinancing process easy. Their expertise in the home loan landscape made the process quick and mostly hands off, which being so busy myself was a lifesaver.

    Alicia Valderrama August 2, 2022

    Absolutely impressed with the professionalism displayed by Dylan from Stryve. Throughout the whole process, I was kept in the loop and well informed. There was ongoing communication via call, email and text. Achieving a loan could not have been simpler - Dylan was optimistic and extremely helpful.

    Melissa Xerri July 26, 2022

    As first home buyers, we can’t be more grateful for the help and support we received from Dylan and the rest of the team at Stryve. Throughout the whole process they were consistently professional and helpful and provided us answers to anything and everything we were curious about. There was never a time when we couldn’t reach them and on top of that we were even provided with regular check-ins. We felt at ease throughout the whole process of purchasing our first home and we are highly grateful to have found them. We could not imagine the process with anyone else and will continue to recommend them to all our friends and family. We will be definitely using them again in the future.

    Maria Olivia July 22, 2022

    Dylan and the team were fantastic in assisting us with the purchase of our first home. The whole process from enquiry through to settlement whilst daunting for a first home buyer, was made extremely smooth and easy through their expertise and prompt responses to our many questions. We will absolutely be engaging with Dylan, Jake and the team for future services and will highly recommend to anyone interested!

    Hayden Watts July 13, 2022

    After speaking with multiple brokers who were no help at all, my partner and I found Dylan. From the start he has been nothing but helpful and professional. He answered all of our questions and was available at odd hours, which may have been inconvenient for him just so he could accommodate for our shift work / rotating roster. He went above and beyond what we even expected by contacting the land developer in regards to our settlement when our conveyancer failed to do so. Dylan is very knowledgeable, and we have already recommended him to family and friends which he has been a great help for them also. We will definitely be using Stryve Finance again in the future.

    Kadison Reid July 12, 2022

    Massive thanks to Jake for helping us out with our mortgage. Extremely helpful and was with us every step of the way. He kept us updated and was able to answer any of our questions. We trusted his information and the process was seamless! Highly recommend!

    Kaitlin King July 7, 2022

    Dylan has helped us with our mortgage requirements for many years now and cannot recommend him highly enough. With the assistance of Dylan and Jake, our most recent enquiry was the fastest and easiest yet! If you’re after mortgage solutions tailored to your requirements, do not hesitate speaking with Dylan.

    Chris Sullivan June 29, 2022

    Dylan was recommended to me by a friend and I’m glad. He went above and beyond. Everything went smoothly and any questions I had, Dylan would be on the phone straight away explaining everything to me. He is very knowledgeable and has a great team by his side. Everything you need in a mortgage broker, prompt & reliable service! Thank you to Dylan and his team!

    Samantha Mizzi June 16, 2022

    My husband and I have used Dylan twice over the years. First to help us secure a loan for our first home when we were struggling to find anyone else to help us! Then second to refinance our property. Both interactions working with Dylan and his team were amazing. A very reliable team who make's it all too easy, all whilst maintaining an extremely friendly and caring environment for their clients. Highly recommend this team to help you secure your financial goals!

    Elise Castersen June 15, 2022

    Massive thank you to Dylan and the team. They made my entire experience from start to finsh an absolute breeze. Truly cannot recommend them enough, and hope to use them again in the future.

    Ryan Shepherd June 14, 2022

    Buying a first home can be really daunting and stressful .. but working with Dylan and the Stryve Team took all the worry and stress away. Dylan not only looked after the pre-approval and settlement of my loan, but most recently the refinance of my loan. Dylan is professional, knowledgeable, patient and kept me in the loop throughout the whole process. Answering all my questions without hesitation and always coming back to me in a timely manner. I would highly recommend Dylan and the Stryve Finance Team, and I look to working with them again in the future. Thank you for everything, Dylan :)

    Carla Kokozian June 14, 2022

    A huge thank you to Dylan for the second time in refinancing a loan to purchase our second investment property. From the start to the end of the process our experience in dealing with him was so easy and stress free. He would always respond to any questions we had instantly and will be using him again in the future. We highly recommend Dylan to anyone who needs his services.

    Nardia Gioiosa May 10, 2022

    At the start of the year I decided I wanted to try buy my first property in Sydney. My Mum gave me Dylan’s contact number and within the first phone call he had the ball rolling and from there the process was so easy. As this was my first time entering the property market I had no idea about anything however Dylan talked me through it all and kept me in the loop with everything. And just last week settled on my first unit. I can’t thank him enough for all he’s help and support. I will be recommending him to all my family and friends when they decided to start buying and will in the future continue to work with him. Thank you Dylan for everything

    nicole lucas April 27, 2022

    Thank you Dylan for your fantastic support and knowledge in helping us to own our first house. You just went beyond customer service and made us feel so comfortable. We asked so many questions and you answered them all with so much patience. We highly recommend Dylan's services to anyone out there. Thank you again Dylan!

    amanda jonker April 6, 2022

    Dylan went above and beyond and nothing was too much trouble. We spent over 12 months looking for a house and he answered every single question I had without any hesitation. With the 101 questions we finally secured a house and he turned everything around so quickly to ensure everything was sorted for settlement. I have had the best experience with Dylan and will be coming back when needed again. Thanks again!

    Emily Brown March 31, 2022

    My experience with Dylan & Stryve Finance has been nothing but positive & enjoyable. If you’re ever contemplating finance i highly recommend reaching out

    Daniel Beardall March 17, 2022

    Dylan helped me achieve my dream of owning my own home. His dedication, commitment and professionalism is outstanding. I will definitely be recommending Dylan to my family and friends! Thank you Dylan!!!

    Emily Kitch January 28, 2022

    The greatest broker of all time. Dylan provided nothing short of a world-class service. When it came to documentation and applying for a loan, Dylan made everything a breeze. Never would I have ever thought that I would find a broker who was going to make this such a quick, fun and enjoyable process. I have come across many brokers and Dylan is by far the man you would rather have in your corner. Dylan, you are second to none. Thank you Dylan for your help, I look forward using your services in the future as well as referring you many clients to come!

    Jack Cailotto January 6, 2022

    We had the pleasure of having Dylan help us with buying our forever home, his support, patience, knowledge and willingness to help at all times has been nothing but outstanding. Purchasing a property can come with a lot of stressful scenarios Dylan has been amazing and created a stress free experience! Thank you Dylan! Rest assured if anyone is in need of your service you will be highly recommended!

    karolina luburic January 5, 2022

    Absolutely brilliant, from start to finish, Dylan goes far and beyond all expectations, from 600km away home loan approved and settled within weeks, even blew our solicitor out of the water with his prompt services, would recommend Dylan 110%

    Dale Sutcliffe January 4, 2022

    Dylan assisted me throughout the process of getting my loan from start to finish. He is extremely knowledgeable, helpful and prompt. Due to my lack of understanding in the beginning, he gave great recommendations and guided me the whole time with his unmatched expertise in the industry which in the end lead to me finalising a brilliant loan. Wouldnt go to anyone else - thanks mate!

    Libz December 10, 2021

    Dylan's service was absolutely outstanding, I cannot recommend him highly enough!! From the first phone call to the follow up after settlement he went way beyond my expectations as a first time buyer. Within 6 weeks I was settled in my first home and couldn't be happier. No question was a silly one and always answered in a thorough way with clear communication. If reading these testimonials - you'd be silly not to engage Dylan as your broker! I look forward to future dealings with Dylan.

    Jess Mirtschin December 10, 2021