Buying Your First Home

Buying Your First Home

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Buying your first house is a wonderful experience. As a first-time home buyer, we are confident that following these instructions will make the process go more smoothly for you.

Start saving for a house deposit

Getting a general idea of house prices enables you to set a target for yourself. Saving up 20% of the purchase price plus enough to cover additional costs is a great savings goal for a down payment on a home.

Decide how much you can borrow

What you can afford to borrow will depend on:

Know why you're buying

Discuss this with your partner. Knowing why you’re purchasing will help you focus your search for a home.

Pest and building inspection

Once you’ve identified a home you like, hire a professional to conduct a building and pest inspection. This could save you a lot of money in the long run.


The settlement date is when the property title is transferred into your name and your mortgage begins. The contract of sale specifies the settlement time, during which you must pay the whole purchase price. Your solicitor or conveyancer will finalize the settlement with the lender and seller. Then you’ll be given the keys to your new house.

Incentives and Grants

There are various government incentives available to first-home buyers. What is accessible to first-time home buyers varies by state and individual circumstances.

These are some examples:

You can also visit for additional information on what may be available.

Your Mortgage Professional can provide you with a wealth of additional information, such as information about the finances needed to settle your mortgage, the mortgage process, and a comprehensive First Home Owners Guide.


Got questions? Find answers to some of the most commonly asked questions about our financial solutions, processes, and services to help you make informed decisions.

What is Lender’s Mortgage Insurance (LMI)?
How can making extra repayments benefit me?
What is Stamp Duty?
Which loans have a redraw option?


Discover how we’ve helped our clients navigate their financial journeys with personalized solutions. Read their stories of success and empowerment below.


At Reliiance Financial Solutions, we have been privileged to have worked with hundreds of remarkable individuals and families.

Very few things come close to receiving their genuine appreciation of our services. All we can say in return is – the pleasure was all ours.

It is also our pleasure to share some client testimonials with you. Please click on Video Testimonials to view them all. Use the buttons at the bottom of the screen to navigate through the videos.

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