First Home Buyer
Buy Your First Home With Confidence, Not Confusion.
We translate complex bank jargon into a clear, stress-free plan. Get expert guidance on your borrowing power, government grants, and loan options – explained simply.
Experience Clarity in Your First Home Journey
Buying your first home is a big milestone – and it shouldn’t feel confusing or intimidating. At Clarity Financial Solutions, we help first home buyers understand their options clearly, make informed decisions, and move forward with confidence. From deposits and borrowing power to grants and lender rules, we break everything down in plain English so you always know where you stand.
Understand your borrowing power
We assess income, savings, and commitments to show comfortable borrowing limits early.
Navigate grants and first home buyer schemes
We explain grants clearly, check eligibility, and show practical application without jargon.
Post-trade
We guide you from first questions to pre-approval, managing everything calmly smoothly.
Secure Every Grant You Are Entitled To
Buying your first home is a huge financial step, so don’t leave free money on the table. From the First Home Owner Grant (FHOG) to Stamp Duty Concessions, the eligibility rules can be tricky. We review your specific situation against the latest State Revenue Office criteria, handling the paperwork to ensure you maximise your government support and buy sooner.
Stress-Free Home Loans And Expert Guidance For First Home Buyers In Melbourne
We replace stress with a clear roadmap, guiding you from deposit questions to holding your keys.
Get a Free Consultation!
Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Our Simple Process
We transform the overwhelming property market into a straightforward experience. From our first chat to settlement day, we handle the complexities while you focus on finding the perfect home.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
While a 20% deposit is ideal to avoid paying Lenders Mortgage Insurance (LMI), it isn't the only way. Many lenders allow you to buy with as little as 5% genuine savings. We can also help you access the First Home Guarantee Scheme, which allows eligible buyers to purchase with a 5% deposit without paying LMI, potentially saving you thousands.
No. Our service is 100% free to you. As mortgage brokers, we are paid a commission by the lender you choose to settle with. This creates a win-win: you get expert advice, access to 40+ lenders, and full application support without paying a cent for our time.
When you go to your bank, they can only offer you their own products, which might not be the best fit for your situation. At Clarity Financial Solutions, we compare thousands of loan products from over 40 different lenders. We act as your personal negotiator to find a rate and policy that suits your needs, not the bank’s targets.
Eligibility can be tricky, but we check everything for you. Depending on the property price and type (new vs. established), you may qualify for the First Home Owner Grant (FHOG), significant Stamp Duty Concessions, or federal schemes like the First Home Guarantee. We ensure you claim every dollar you are entitled to.
A pre-approval is a strong indication that a lender is willing to lend to you, but it is subject to conditions (like a property valuation). It is crucial because it gives you a clear budget and the confidence to bid at auctions. We guide you through getting a fully assessed pre-approval so your offer carries weight.
Yes, lenders consider your HECS debt as a liability, which can reduce your borrowing power. However, different lenders treat this debt differently. We know which banks are more favorable towards applicants with HECS debt and can structure your application to maximize your borrowing capacity.