Buying your first home can feel overwhelming, especially when you choose to build! How can you secure land? How do you choose a builder? What design should you choose? And then you need to get your interior design skills on and pick the colours!

And more than likely, you’re worried about the size of the deposit, getting unexpected costs, and how payments work during construction.

We get it, and we’re here to help you secure finance and not stress over bank paperwork.

Solving Your Biggest Worries—Deposit & Approval

The main hurdles for First Home Buyers are often the upfront costs: the deposit, stamp duty and Lender's Mortgage Insurance (LMI). We focus on solutions that reduce or eliminate both.

Low Deposit & No LMI Options

We leverage specialist lenders and Government schemes to reduce the cash you need upfront:

• We work extensively with Bank, non-Bank and Government Lenders to help lower-deposit borrowers get approved. Keystart offers loans with a deposit as low as 2% and, crucially, waives Lender's Mortgage Insurance (LMI). This single feature can save you tens of thousands of dollars in upfront costs.
• Government Guarantees: We help you access national schemes (like the Australian Government 5% Deposit Scheme) that allow you to purchase a home with a small deposit (as low as 5%) while avoiding LMI.
• Family Guarantee Loans: A Family Guarantee (also known as a Family Home Guarantee or Family Support Guarantee) is when a family member agrees to secure your (the borrower’s) home loan – again saving tens of thousands in costs.

Book in a call and find out:

• Do you qualify for the  $10,000 First Home Owner Grant (FHOG).
• Do you qualify for Stamp Duty Concessions?  When buying vacant land to build your first home, you pay zero stamp duty on land valued up to $350,000, with concessional rates applying up to $450,000. This is a massive saving when compared to buying an established home.
• How do progress payments work during construction?
• When do you start paying full repayments?