Start with your budget
Think about your savings, upfront costs and a comfortable repayment range. A lender or broker can assess your borrowing position.
FIRST HOME BUYERS
Your first home.
Let’s make it clearer.
Start with your circumstances, your timeframe and your goals. We’ll help you understand the property options and the next steps to explore.
Request a discovery call ↗A SIMPLE START
Understand your options.
Then plan your next move.
Explore support available
Grants, duty concessions, low-deposit schemes and shared equity may help eligible buyers. Which options apply depends on your location, circumstances and the property.
Get clear on the next steps
Talk through your preferred locations and timeframe, then understand the property details, inclusions and costs before you decide.
PATHWAYS TO EXPLORE
Support worth knowing about.
Options for a home to live in.
Eligibility and conditions apply.
GRANTS & CONCESSIONS
A possible boost to your start.
First home owner grants and transfer duty concessions vary by state and property. In WA, eligible buyers may receive a first home owner grant of up to $10,000 for a new home.
LOW-DEPOSIT PATHWAYS
A smaller deposit may be possible.
The Australian Government 5% Deposit Scheme can help eligible first home buyers purchase with a minimum 5% deposit without lenders mortgage insurance. Eligibility, lending requirements and property price limits apply.
SHARED EQUITY
Understand another way in.
With Help to Buy, eligible buyers can purchase with a minimum 2% deposit and a government equity contribution of up to 40% for a new home or 30% for an existing home.
The government holds a financial share in your home, which must eventually be repaid. Eligibility and ongoing conditions apply.
WESTERN AUSTRALIA
Local shared ownership options.
Keystart offers shared ownership pathways for eligible WA buyers, with the Housing Authority co-owning a share of the home. Available properties, ownership arrangements and eligibility depend on the product.
Information checked 20 October 2026. Eligibility, property limits and availability apply. These pathways are for homes to live in. A discovery call can help you understand the next steps to explore for your circumstances.
Discuss your first home options ↗COMMON QUESTIONS
A few things made simpler.
Is shared equity the same as a grant?
No. A grant is a payment subject to its rules. Shared equity involves another party holding a financial share in your home, with ongoing conditions and repayment or buyback arrangements.
Is the 5% Deposit Scheme shared equity?
No. It provides a government guarantee to a participating lender. Help to Buy involves a government equity contribution. They are separate pathways with different conditions.
Do I need finance approval before a discovery call?
No. We can begin with your goals and timeframe, then discuss the next steps to explore. A lender or broker will need to assess your finance position before you commit.
What happens on the discovery call?
We’ll talk about your current circumstances, where you’d like to live, your timeframe and your goals. It’s a straightforward starting point to help you understand your options.
LET’S FIND YOUR STARTING POINT