Your First Home Journey Starts Here
Looking to buy your dream home?
We will put your fist home dream first!
Buying your first home is an exciting milestone — but it can also feel overwhelming. At Credora Finance, we make the process simple, clear, and stress-free. We will guide you every step of the way — from understanding your borrowing power to securing the right loan for your needs.
Guiding you with care and expertise on the journey to your dream home.
Buying your first home is one of life’s biggest milestones — and at Credora Finance, we make it simple, stress-free, and exciting. As your trusted mortgage broker, we’re here to guide you through every stage of the first
home buying process — from planning your deposit to finding the right first home buyer loan and accessing available government grants and schemes.
Our team works closely with you to understand your goals, compare home loan options from a wide range of lenders, and help you secure pre-approval so you can buy with confidence. We’ll also make sure you don’t miss out on key programs such as the First Home Owner Grant (FHOG), First Home Guarantee, or stamp duty concessions — saving you time and money.
Whether you’re ready to buy or just starting to explore your options, Credora Finance will help you make informed decisions, explain the process in plain language, and find a loan that fits your budget and lifestyle.
Start your journey toward home ownership today — with expert guidance, personalised advice, and the support of our mortgage broker who puts your first home dreams first.
Our commitment to First Home Buyers....
- Explains all loan types and guides you through the process.
- Finds and negotiates the best loan options from multiple lenders.
- Helps prepare your application and documentation.
- Supports you through pre-approval, property search, and settlement.
- Ensures you don’t miss out on available grants or incentives.
FAQs
Most lenders require a minimum deposit of 5–20% of the property price. However, with government schemes like the First Home Guarantee, you may be able to buy with as little as 5% deposit and avoid paying Lenders Mortgage Insurance (LMI).
The First Home Owner Grant is a one-off payment designed to help first-time buyers purchase or build a new home. The amount and eligibility criteria vary by state or territory, and our brokers can help you apply if you’re eligible.
Usually, the FHOG applies to newly built homes, off-the-plan properties, or new builds. However, you may still qualify for stamp duty exemptions or concessions when buying an established home.
You may be eligible for several programs, including:
First Home Guarantee (FHBG) – buy with a 5% deposit, no LMI.
Regional First Home Buyer Guarantee (RFHBG) – for buyers in regional areas.
First Home Super Saver Scheme (FHSSS) – save your deposit through your superannuation at a lower tax rate.
Stamp duty exemptions or discounts depending on your state.
Pre-approval means a lender has reviewed your financial situation and conditionally approved you for a loan up to a certain amount. It gives you confidence when making offers and shows sellers you’re a serious buyer.
In addition to your deposit, you should budget for:
Stamp duty (if applicable)
Legal and conveyancing fees
Building and pest inspections
Loan establishment fees
Lenders Mortgage Insurance (if required)
Moving and utility connection costs
LMI protects the lender (not the borrower) if you can’t repay your loan.
It’s usually required when your deposit is less than 20% of the property price — though some government schemes can help you avoid it.
Your borrowing capacity depends on your income, expenses, existing debts, credit history, and the lender’s criteria. Our mortgage brokers can quickly calculate how much you can afford and what loan options suit your situation.
A mortgage broker works for you — not the bank. We compare loans from multiple lenders to find the best rate and structure for your needs, handle the paperwork, and help you access first home buyer grants and incentives you may not know about.
Dedicated brokers at Credora Finance will help you every step of the way. Contact us>>
Our Happy Clients!
“Credora Finance made buying our first home so easy! They explained everything clearly and helped us access government grants we didn’t even know existed.”
“Professional, knowledgeable, and always available to answer my questions. Thanks to Credora Finance, I secured the perfect loan for my investment property.”
“From start to finish, the team guided me through the entire process. They made a complex experience simple and stress-free!”
Ready to take the next step toward your dream home?
Our friendly team at Credora Finance is here to answer your questions, guide you through your loan options, and help you get started with confidence. Whether you’re a first home buyer or planning your next investment, we’re just a call or message away.