Buying Your First Home in Perth?
Grants, stamp duty concessions, low-deposit schemes — it’s a lot to navigate. Our Perth first home buyer specialists can help you make sense of what support is out there, and find a loan that suits your situation.
- Find out what you could borrow — before you start house hunting
- We help you understand the grants, concessions and low-deposit schemes that may be relevant
- Access to 40+ lenders, including Keystart and the major banks
- Our service typically comes at no charge to you — we’re paid by the lender, and we disclose this upfront
Find Out What You Could Borrow
Tell us a little about your situation and one of our brokers will be in touch within one business day. No obligation, no pressure.
Your details stay with us — see our privacy policy.
What First Home Buyers in Western Australia May Be Eligible For
Support for first home buyers changes regularly — part of our job is knowing what’s current. Depending on your circumstances, support like the below may be available (eligibility is determined by the relevant authority or lender):
First Home Owner Grant
A WA government grant that may be available when buying or building a new home. Eligibility criteria apply.
Stamp Duty Concessions
Depending on your purchase price and location, you may pay reduced or even no transfer duty as a first home buyer in Western Australia.
First Home Guarantee
A federal scheme that may allow eligible buyers to purchase with a smaller deposit without paying Lenders Mortgage Insurance. Conditions and property price caps apply.
Keystart Low-Deposit Loans
WA’s government-backed lender offers low-deposit home loan options. Income and property limits apply.
Feeling overwhelmed by the options? We’ll talk you through what’s currently available and point you to the right places to confirm your eligibility — in plain English.
How It Works
Tell us about you
Fill in the short form. We’ll arrange a free, no-obligation chat — in person, by phone or by video, whatever suits.
We do the homework
We assess what you could borrow, weigh up your options, and compare loans from 40+ lenders.
You move with confidence
We handle the application and paperwork through to settlement, and keep you informed at every step.
First Home Buyers Trust Strategic Mortgages
★★★★★
“I can’t recommend Sam and the team at Strategic Mortgages enough. When buying my first home, I shopped around to many different brokers, and Strategic Mortgages rose to the top of the pack: they were the most responsive, the most engaged, the most knowledgeable… the whole process fast and seamless.”
Nathan Weaver — Google review
★★★★★
“Ben was informative and helpful. Provided much needed assistance to help my son purchase land and home. Knew all the options available and the best way to approach the whole minefield of information. Would highly recommend this service.”
Jo-Anne Zilko — Google review
★★★★★
“Ben made the process simple and stress free, he found us the best possible deal. Highly recommend him!”
Alanah Dickson — Google review
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First Home Buyer Questions, Answered
How much deposit do I actually need?
It varies between lenders, and low-deposit schemes may reduce how much you need upfront. Keep in mind a smaller deposit can mean extra costs such as Lenders Mortgage Insurance. We’ll show you what’s realistic for your savings and income.
What does a mortgage broker cost?
In most cases, nothing — we’re paid a commission by the lender you choose, and we disclose exactly what that is before you commit to anything.
What other costs should I budget for?
Beyond your deposit, allow for transfer duty (which may be reduced or waived for first home buyers), settlement and conveyancing fees, building and pest inspections, and lender fees. We’ll give you a clear cost breakdown for your price range so there are no surprises.
How long does loan approval take?
Pre-approval can take anywhere from a couple of days to a few weeks depending on the lender and your circumstances. Getting pre-approved before you make an offer puts you in a stronger position — we’ll help you time it right.
Ready to Take the First Step?
A free chat with a Perth first home buyer specialist could save you months of second-guessing. No obligation, no jargon — just clear answers.
Find Out What You Could Borrow
