YOUR FIRST HOME IS CLOSER THAN YOU THINK
Buying your first home is a major milestone. For many Australians, it can feel exciting, overwhelming and even a little daunting. With a trusted Ironbark Group mortgage broker by your side, the process can be far more straightforward than you might expect.
If you are entering the property market for the first time, it is natural to feel unsure about where to start. From understanding deposits and loan structures to comparing lenders and government schemes, there is a lot to consider before you even make an offer.
At Ironbark Group, we work with first home buyers across Australia to help them secure home loans that support both their immediate goals and their long-term financial future. We take the time to explain how home loans work, what your options are, and what each decision means over the life of the loan. Our role is to simplify the process so you can focus on what matters most: your home and your future.
WHY CHOOSE IRONBARK GROUP?
As a trusted mortgage broker, Ironbark Group looks beyond the headline rate, focusing on smarter loan structures from day one that can help reduce interest and support you as your needs change.
We can help you:Understand how much you can comfortably borrow
Structure your loan to reduce interest costs over time
Explore first home buyer loan options and lender incentives
Assess your eligibility for government schemes and grants
Choose between fixed and variable loan options based on your goals
Navigate the process from pre-approval through to settlement
We focus on you and your individual needs, supporting you from your first steps through to final settlement.
READY TO TAKE THE FIRST STEP?
If you are a first home buyer and want clear advice from a trusted mortgage broker, we are here to help. Get in touch with Ironbark Group to start a conversation about your goals and explore home loan options that are right for you.
Frequently Asked Questions
What is a first home buyer's home loan?
A first home buyer’s home loan is a mortgage designed for individuals who have not previously owned property. These loans often work alongside government schemes and lender incentives to help buyers enter the market with a smaller deposit.
How much deposit do first home buyers need in Australia?
Deposit requirements vary by lender, but many first home buyers can purchase with as little as 5%, particularly when eligible for government schemes. Lenders Mortgage Insurance may apply in some cases.
What government schemes are available to first home buyers?
First home buyers may be eligible for schemes such as the First Home Owner Grant, First Home Guarantee, Family Home Guarantee, Help to Buy, Regional First Home Buyer Suppot Scheme or the First Home Super Saver Scheme. Eligibility depends on income, property value and location.
Can a mortgage broker help first home buyers?
Yes. A mortgage broker helps first home buyers compare home loans across multiple lenders, understand loan features and navigate the application process. A trusted mortgage broker can also explain long-term considerations beyond the initial rate.
Are first home buyers limited to certain property types?
Some government schemes apply only to new builds or owner-occupied homes. However, many lenders offer first home buyers home loans for both new and established properties.
Is it better to choose a fixed or variable loan as a first home buyer?
This depends on your financial goals and risk tolerance. Fixed loans offer repayment certainty, while variable loans provide flexibility. Some first home buyers choose a combination of both.
How long does the first home buyer's loan process take?
The timeline varies, and will depend on your personal circumstances, but many first home buyers secure pre-approval within days and settle within four to six weeks after signing a contract.
Can first home buyers refinance later?
Yes. Many first home buyers refinance in the future as their income, equity or goals change. Choosing the right loan structure from the start can make refinancing easier later on.
What costs should first home buyers budget for?
In addition to the deposit, first home buyers should consider stamp duty, legal fees, inspections and settlement costs. Some first home buyers receive stamp duty concessions.
How do I know if a home loan is right for me?
A suitable home loan aligns with your income, lifestyle and long-term plans. Speaking with a trusted mortgage broker can help ensure your first home buyer’s home loan supports your future, not just today.
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Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.
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POSTAL ADDRESS
PO Box 883, Upper Coomera QLD 4209
UPPER COOMERA
Unit 9/4 Dalton St,
Upper Coomera QLD 4209
SOUTHPORT
Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215
HELENSVALE
15-17 Millennium Circuit,
Helensvale QLD 4212