JP Mortgages
First Home Buyers

Your First Home
Starts Right Here.

You don't need to have it all figured out. Whether you've been saving for years or you're just starting to think about it, we'll show you exactly where you stand and what's possible.

Get StartedCall 0410 123 201
200+ Five-Star Reviews100% Free Service
No Wrong Answer

Where Are You At?

Wherever you are in the journey, we can help. Pick the one that sounds most like you.

Grants & Schemes

You Might Be Eligible
for More Than You Think

There are several government grants and schemes designed to help first home buyers get into the market sooner. We'll help you figure out which ones apply to you.

  • First Home Owner Grant

    A one-off payment to help you purchase or build your first new home. Eligibility and amounts vary by state.

  • Stamp Duty Exemption

    First home buyers in SA may be exempt from stamp duty on properties up to a certain value, saving you thousands.

  • First Home Guarantee

    Buy with as little as 5% deposit without paying Lenders Mortgage Insurance. Limited places available each year.

  • Shared Equity Schemes

    The government co-owns a portion of your property, reducing your loan amount and repayments significantly.

The Process

From First Chat to First Home

We've walked hundreds of locals through this process, here's exactly what happens.

  1. Step 1

    Have a Chat With Us

    Tell us where you're at, even if you're just thinking about it. We'll explain the process, answer your questions, and give you a clear picture of what's possible. No pressure, no commitment.

    30 minute chat
  2. Step 2

    Work Out What You Can Borrow

    We'll look at your income, savings, and expenses to work out your borrowing power. We'll also check which grants and schemes you're eligible for, you might qualify for more than you think.

    Same day
  3. Step 3

    Get Pre-Approved

    Pre-approval means you can search with confidence. Sellers and agents take you seriously, and you know exactly what you can spend. We handle the paperwork.

    3–5 business days
  4. Step 4

    Find Your Home & Make an Offer

    Start looking! When you find the one, we'll help you understand the offer process, including conditions, building inspections, and making sure your finance is locked in.

    When you're ready
  5. Step 5

    Settlement, You Get the Keys!

    We coordinate with the lender, your conveyancer, and the seller's team to get everything across the line. Then it's official, you're a homeowner. We'll be here if you need us after that too.

    On settlement
FAQ

Frequently Asked Questions

Eligibility depends on factors like whether you're buying new or established, the property price, and your income. Common schemes include the First Home Owner Grant, stamp duty exemptions, the First Home Guarantee, and shared equity loans. We check all of these for you as part of our free service.

Most lenders want 20% to avoid lenders mortgage insurance (LMI), but as a first home buyer you can often buy with 5%, and the First Home Guarantee can waive LMI completely if you qualify. We'll find the right path for your situation.

Yes, and we strongly recommend it. Pre-approval tells you exactly what you can spend, lets you negotiate seriously, and means you can move quickly when you find the right property. It's free and takes about a week.

Beyond your deposit you'll need to budget for stamp duty (if you're not exempt), conveyancing, building and pest inspections, lender fees, and removalists. We'll walk you through every cost upfront so there are no surprises.
Ready When You Are

Ready to Take the First Step?

Book a free, no-pressure chat with one of our brokers. We'll show you exactly where you stand.

Get StartedCall 0410 123 201