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Home loans for first home buyers

We’ll take you from searching properties all the way to settlement without the stress.

Ready to hop on the property ladder?

Buying your first home should be exciting. Here we’ve cut the jargon and simply explain what you can expect at each stage of your property journey.

How much can you borrow?

Your borrowing power will depend on a number of factors including your income, expenses, credit, and of course your deposit size.

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Getting home loan pre-approval

Home loan pre-approval is often the first formal step towards buying a property. It’s free and is an indication of how much you could borrow.

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Buying a home for the first time

What documents do I need to get a mortgage?

To get approved for a home loan, you'll need to provide documentation to confirm your identity, income and more.

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How to buy a house in 9 simple steps

We’ll explain what you need to do, what expenses you’ll need to pay, and who will be involved at each stage.

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How conveyancing works and how much it costs

If you've wondered what is a conveyancer the same as a solicitor? We're here to answer these most commonly asked questions.

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Getting approved for a home loan online

1. Start your application online 24/7

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you. 

2. Provide supporting documents

You’ll need to provide supporting documentation that helps the lender assess your profile. These include identification, recent payslips, bank statements and any loan statements you might have for existing loans. These are all securely uploaded online, in your own time. 

3. Choosing the right lender for you

Once we have an accurate view of your financial situation, our smart technology will compare thousands of different home loan options to find a shortlist of the loans that best matches your specific needs.

4. Discuss your options with a Home Loan Specialist

From here our Home Loan Specialists will do the heavy lifting for you. They liaise with the lender, keep you updated on your loan’s progress, and are available to answer your questions via phone, email or live chat.

5. Your lender makes a decision

Next, your chosen lender will assess your application and your ability to pay back the loan amount. If all goes to plan, they will approve your loan and you can move towards settlement.

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Grants & concessions for first home buyers

There are a number of grants and concessions available to first home buyers from both a federal and state level. These are all designed to help new buyers get a foot on the property ladder. First Home Owners Grant (FHOG)

  • First Home Loan Deposit Scheme

  • Stamp duty exemptions 

  • Reduced Lenders Mortgage Insurance

Your eligibility can vary depending on your state and territory. It’s always smart to chat to an expert first.

Find out more

Home Loan Calculators

Borrowing Power Calculator

Work out how much you could borrow based on your income and how much you owe.

Calculate

Calculate Stamp Duty

Estimate how much stamp duty and extra fees you might need to pay for the property you want.

Calculate

Repayments calculator

Find out how much your weekly, fortnightly or monthly your home loan repayments will cost.

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Guide to buying your first home

Need some help?

Our experts will help you search, choose and settle your home loan online. Chat to one of our Home Loan Specialists at a time that suits you.

1300 323 181

Live chat

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heretohelp@lendi.com.au

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Lendi Pty Ltd
·
Level 9, 37 Pitt St, Sydney NSW 2000
· Ph: 1300 323 181

Important legal stuff

Lendi is the trading name of Lendi Pty Ltd (ACN 611 161 856), a related body corporate of Auscred Services Pty Ltd (ACN 164 638 171, Australian Credit Licence 442372). We will never sell your email address to any third party or send you nasty spam, promise.
# Quoted rate applies only to PAYG loans with LVR of 80% or less with security in non-remote areas. All applications are subject to assessment and lender approval.
Lendi is a privately owned and operated Australian business. Our mission is to change the way Australians get home loans by providing a faster, smarter and more secure home loan experience designed around the customer’s convenience and needs. Although Lendi compares over 1600 products (2,500+ products including feature and pricing variations) from more than 35 lenders, we don't cover the whole market or compare all features and there may be other features or options available to you. While Lendi is 35% owned by founders and employees, we have also been supported by some great minority shareholders including Bailador, Macquarie Bank Ltd and a number of Australian sophisticated investors.
*WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rates are based on a loan amount of $150,000 over a loan term of 25 years. Fees and charges apply. All applications are subject to assessment and lender approval. Quoted rate applies only to PAYG loans with LVR of 80% or less with security in non-remote areas. All applications are subject to assessment and lender approval.
IMPORTANT INFORMATION: Loan terms of between 1 Year and 40 Years are available subject to lender and credit criteria. Maximum comparison rate will not exceed 14.99% (see comparison rate warning above). Any calculations or estimated savings do not constitute an offer of credit or a credit quote and are only an estimate of what you may be able to achieve based on the accuracy of the information provided. It doesn't take into account any product features or any applicable fees. Our lending criteria and the basis upon which we assess what you can afford may change at any time without notice. Savings shown are based on user inputted data and a loan term of 30 years. All applications for credit are subject to lender credit approval criteria.
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