Your first home.
Made ezy.
Buying your first home is a big milestone. Ezy Finance Deals helps you understand your borrowing position, explore suitable loan options and move towards your first set of keys with confidence.
Let's talk about your first home.
Tell us a little about what you're looking to achieve and our team can help you understand your options.
A first home loan doesn't have to feel complicated.
There is a lot to think about when you're buying your first property — your deposit, borrowing capacity, government support, loan repayments, upfront costs and the type of home loan that fits your circumstances.
At Ezy Finance Deals, we take the time to understand your situation, explain the options clearly and help you prepare for the next step. You don't need to know everything before you speak with us.
From “Can I afford it?” to “Here are my options.”
We'll help you turn your goals and financial position into a clearer borrowing strategy, so you can search for property with a more realistic budget in mind.
More clarity. Less guesswork.
Your first home is personal. Your finance strategy should be too.
Understand your borrowing power
Get a clearer picture of what you may be able to borrow and what repayments could look like.
Make the most of your deposit
Understand how savings, eligible assistance and other contributions may affect your purchase strategy.
Compare lender options
We can compare suitable loan options across our lender panel rather than leaving you to research every lender yourself.
Have a broker beside you
From the first conversation to settlement, we help you understand what happens next.
How much deposit do you really need?
There isn't one deposit figure that works for every first home buyer. The amount you need can depend on the property, lender, loan structure, your financial position and any eligible government scheme or family support.
A larger deposit can reduce your borrowing requirement, while some eligible buyers may be able to purchase with a lower deposit. We'll look at your circumstances before recommending a pathway.
Genuine savings
Regular savings history may help demonstrate your ability to manage future repayments, depending on lender requirements.
Family assistance
Some buyers receive a genuine gift or may have access to a family guarantee structure where eligible.
Other assets
Certain investments or available equity may be relevant to your overall lending position.
Eligible schemes
Government-supported programs can have specific eligibility, property and income conditions. We can help you understand what may apply.
A smaller deposit doesn't always mean you have to wait.
Lenders Mortgage Insurance (LMI) is commonly associated with higher-LVR lending. It protects the lender rather than the borrower and can add to the cost of a loan.
Depending on your circumstances, there may be ways to reduce or avoid LMI, including a larger deposit, an eligible guarantee or a government-supported scheme. We'll explain the costs and trade-offs so you can make an informed decision.
The important part
Don't assume that a particular deposit percentage automatically applies to you. Lender policies and eligibility can vary, so assess your position before making an offer.
There may be help available for eligible buyers.
Government grants, deposit schemes and state-based concessions can change over time and have conditions attached.
First Home Owner Grant
Depending on your state and property type, eligible first home buyers may qualify for a grant. The amount and conditions vary.
Stamp duty concessions
Some first home buyers can access exemptions or concessions on transfer duty, subject to state rules, property value and eligibility.
Deposit support schemes
Eligible buyers may have access to government-supported deposit programs. Rules, caps and participating lenders apply.
Your deposit isn't the only cost to plan for.
A realistic first-home budget should allow for the costs that come before and after settlement. Some costs depend heavily on your property, state and loan.
Explore CalculatorsFrom first conversation to your front door.
Understand your position
We look at your income, expenses, commitments, savings and goals to understand your starting point.
Work out your budget
We help you understand a suitable purchase range and potential repayments before you start making offers.
Explore loan options
We compare suitable options from our lender panel based on your circumstances and priorities.
Get prepared to buy
With the right finance strategy in place, you can search for property with more confidence.
Apply and progress
We help manage the application process, communicate with the lender and keep things moving.
Settle with confidence
Once your loan is approved and settlement is complete, you can focus on moving into your new home.
The lowest rate isn't the only thing that matters.
A suitable first home loan should fit the way you expect to manage your money. Depending on your circumstances, features such as an offset account, redraw, extra repayments or flexible repayment options may be important.
A personal approach to your biggest first step.
Buying your first home is not just about getting a loan approved. It's about understanding what you're committing to and making a decision that works for your circumstances.
Ezy Finance Deals provides personalised guidance, compares suitable lending options and supports you through the process so finance feels easier to understand.
Our Lending Partners
Compare and save on your mortgage
See the latest rates from our lender panel and compare loan options to help find a solution that's right for you.
What Our Clients Say
Questions, answered.
Let's make your first home journey ezy.
Start with a conversation. We'll help you understand your options before you make your next move.