Buying your first home is exciting—but it can also feel overwhelming. With property prices, changing lending rules, and government incentives, many first-time buyers aren’t sure where to start.

At Energise Home Loans, we’ve helped countless Australians step into their first home with confidence. Here’s a breakdown of what you need to know in 2025.

1. Government Grants & Schemes

The Australian Government offers several programs to make homeownership more accessible:

• First Home Guarantee (FHBG): Buy with as little as 5% deposit, no LMI.

• First Home Super Saver Scheme (FHSSS): Use voluntary super contributions to boost your deposit.

• Stamp Duty Concessions: Available in certain states and territories for eligible buyers.

💡 Tip: These programs change often—make sure you check eligibility early.

2. How Much Deposit Do You Really Need?

While 20% is the traditional benchmark, many first-home buyers enter the market with 5–10%. However, anything under 20% may attract Lenders Mortgage Insurance (LMI).

At Energise Home Loans, we’ll help you explore lenders who can offer low-deposit options—sometimes with waived LMI if you’re in certain professions.

3. Choosing the Right Loan Type

Fixed or variable? Interest-only or principal-and-interest? It depends on your budget, risk tolerance, and long-term goals.

We compare multiple products across different banks and lenders, so you don’t have to stress over finding the “perfect” fit.

4. The Power of Pre-Approval

Getting pre-approval gives you a clear budget and bargaining power at auctions. It also means fewer surprises when you find the right property.

5. Why Work With a Mortgage Broker

Banks only show you their own products. A mortgage broker gives you access to dozens of lenders—so you get more choice and better chances of approval.

At Energise Home Loans, we guide you step by step, making sure you understand every part of the process.

Buying your first home doesn’t have to be overwhelming. With the right advice and strategy, you can step confidently into the property market in 2025.

Contact us today for a free consultation and let’s make your first home dream a reality.