First home buyer loans
First Home Buyers Home Loans | Chatswood Home Loans
How can we help?
Welcome to Chatswood Home Loans. If you’re a first home buyer, we’re here to guide you through the lending journey. We help you understand your borrowing power, access first home buyer incentives, compare home loan options, and structure your finance so you step into your first home with confidence.
Understand Borrowing Capacity & Budgeting
Many first home buyers aren’t sure how much they can borrow or what costs to allow for (stamp duty, LMI, legal fees, building inspection). We assess your income, expenses, liabilities, and savings to help you determine a realistic borrowing ceiling.
Access First Home Buyer Schemes & Grants
We help you identify and apply for relevant NSW and Commonwealth incentives, such as:
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First Home Owner Grant (FHOG)
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First Home Buyer stamp duty concessions
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First Home Guarantee / Shared Equity schemes
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Lender’s Mortgage Insurance (LMI) waivers or rebates
If you qualify, these concessions and grants can reduce your upfront costs significantly.
What to Expect in the Process
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Initial chat & fact-find – we listen to your goals, financial position and preferred timeframe
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Loan options & recommendation – we present tailored home loan options and explain pros & cons
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Prepare documentation – we guide you through gathering payslips, bank statements, identification, etc.
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Application lodging & follow up – we liaise with the lender, address queries and expedite approval
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Pre-approval (conditional) – gives you confidence in your budget before bidding or negotiating
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Formal approval & settlement support
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Post-settlement review & ongoing advice
