A cash gift
Many lenders accept money gifted by parents or relatives as part of your deposit. They usually ask for a signed gift letter and bank statements showing where the money came from.
Your first home, step by step.
Government schemes can cut your deposit, your stamp duty or both. Check which ones could apply to you, then we'll confirm the details and handle the paperwork.
Which schemes could help you?
For first home buyers in NSW. A guide only; we confirm eligibility before you apply.
Based on rules as at November 2026: 5% Deposit Scheme (no income limits or caps on places since 1 October 2025; Sydney price cap $1.5 million, caps vary by area), Family Home Guarantee (2% deposit), NSW First Home Buyers Assistance Scheme, NSW First Home Owner Grant (New Homes) and the First Home Super Saver Scheme. Other conditions apply. Not credit, tax or legal advice.
When family wants to help
Using their home as security
A parent can guarantee part of your loan using equity in their own property, so you can borrow with a smaller deposit and avoid lenders mortgage insurance. It's a real commitment for them, so we walk everyone through it.
Co-owning or co-borrowing
Buying with a partner, sibling or friend can boost what you can borrow. We help you understand how ownership and repayments are split before you sign.
Your first home checklist
Tick things off as you go. Your progress stays on this device.
Common questions
Can I use more than one scheme?
Often, yes. For example, many buyers combine the 5% Deposit Scheme with the NSW stamp duty exemption, and a new home may also attract the First Home Owner Grant. Each scheme has its own rules, so we check them together.
Should I buy to live in or rentvest?
Rentvesting means renting where you want to live and buying an investment property you can afford. It can get you into the market sooner, but most first home schemes require you to live in the home, so you may miss out on them. We compare both paths with your numbers.
Can I rent the home out later?
Usually, but schemes and stamp duty concessions often require you to live in the home for a set period first. Moving out early can mean repaying a concession, so check with us before you make plans.
What if I'm self-employed or on a contract?
You can still buy. Lenders look for a track record of income, often one to two years, and some accept alternative documents. We match you with lenders whose policy suits how you earn.
Ready to plan your first home?
Book a free consultation. Evening and weekend appointments available.