A Financial Team Across All Divisions

First Home Buyers

Buying your first home is an exciting milestone, but navigating the complex world of real estate and home loans can be overwhelming. At Tanti Financial Services, we understand the unique challenges faced by first home buyers and are dedicated to providing the guidance, support, and expertise you need to make your homeownership dreams a reality.

Understanding the First Home Buyer Journey

The journey to purchasing your first home involves several key steps:

  • Saving for a deposit
  • Determining your borrowing capacity.
  • Researching the property market.
  • Applying for a home loan.
  • Finding the right property.
  • Making an offer and managing the settlement process.


Our experienced mortgage brokers at Tanti Financial Services will be by your side every step of the way, offering personalised advice and support tailored to your unique circumstances.

Benefits of Working with Tanti Financial Services as a First Home Buyer


Our team has extensive experience working with first home buyers and understands the challenges you face. We stay up-to-date with the latest market trends, government incentives, and home loan products to provide you with the most accurate and relevant advice.

Access to a wide range of lenders and loan products

We have established relationships with a broad network of lenders, including major banks, regional lenders, and specialist loan providers. This allows us to find the most competitive home loan options that suit your specific needs and financial situation.

Personalised guidance and support:

We take the time to understand your goals, financial position, and unique circumstances. Our brokers will work closely with you to develop a tailored strategy to help you achieve your homeownership aspirations.

Assistance with government grants and incentives:

As a first home buyer in New South Wales, you may be eligible for various government grants and incentives. We will help you identify the programs you qualify for, such as the First Home Buyer Assistance Scheme, First Home Owner (New Homes) Grant, Shared Equity Home Buyer Helper, First Home Super Saver Scheme, and Home Guarantee Scheme. Our team will guide you through the application process to ensure you receive the financial support you’re entitled to.

First Home Buyer Loan Options

At Tanti Financial Services, we have access to a wide range of home loan options suitable for first home buyers. These include:

  • Low deposit home loans
  • Guarantor home loans
  • Fixed-rate home loans
  • Variable-rate home loans
  • Split home loans (combining fixed and variable rates)


We will work with you to identify the home loan features that best align with your needs, such as offset accounts, redraw facilities, and additional repayment options. Our goal is to help you secure a competitive home loan that not only makes your first home purchase possible but also supports your long-term financial well-being.

Saving for Your First Home

One of the biggest challenges for first home buyers is saving for a deposit. Our mortgage brokers can provide expert advice on developing an effective savings plan. We’ll help you:

  • Set realistic savings goals
  • Create a budget to manage your income and expenses
  • Identify areas where you can reduce spending and increase savings
  • Understand the First Home Super Saver Scheme (FHSSS) and how it can boost your deposit savings through your superannuation fund

Understanding the Costs of Buying Your First Home

In addition to your home loan deposit, there are several other costs associated with buying your first property. These may include:

  • Stamp duty (although you may be eligible for exemptions or concessions as a first home buyer)
  • Legal and conveyancing fees
  • Building and pest inspection costs
  • Mortgage registration fees
  • Lenders Mortgage Insurance (LMI) if you have a low deposit


Our team at Tanti Financial Services will help you understand these costs and factor them into your budget. We’ll also identify ways to minimise these expenses, such as by accessing government grants and incentives or negotiating with lenders to waive certain fees.

First Home Buyer Success Stories

At Tanti Financial Services, we have helped countless first home buyers achieve their homeownership goals. Here are some examples of the ways our expertise and support have made a difference:

Your Next Step

The home buying process can vary depending on your circumstances, but typically takes between 4-12 weeks from the time you find a property to settlement. Our team will help you understand the timeline and guide you through each step.

If you’re ready to take the first step towards buying your first home, Tanti Financial Services is here to help. Contact us today for a free, no-obligation consultation with one of our experienced mortgage brokers.

During your consultation, we’ll discuss your homeownership goals, financial situation, and any questions you may have. We’ll also provide you with a clear action plan to help you move forward with confidence.

At Tanti Financial Services, we are committed to providing first home buyers with the expert guidance, support, and resources they need to achieve their homeownership dreams. Let us help you navigate the home buying process and secure a competitive home loan that sets you up for long-term financial success.


The ideal deposit is 20% of the property value, but it is possible to buy a home with a smaller deposit. Tanti Financial Services can help you explore low deposit home loan options and access government schemes that may enable you to buy a home with as little as 2-5% deposit.

 LMI is a one-off insurance premium that protects the lender if you default on your home loan. It is usually required if you have a deposit of less than 20%. Our brokers can help you understand LMI and explore options to minimise or avoid this cost.

To improve your chances of home loan approval, focus on saving a sufficient deposit, maintaining a stable income, reducing your debts, and ensuring your credit score is in good shape. Tanti Financial Services can provide personalised advice on strengthening your home loan application.