{"id":1394,"date":"2022-02-08T11:33:04","date_gmt":"2022-02-08T01:33:04","guid":{"rendered":"https:\/\/www.2020finance.com.au\/?page_id=1394"},"modified":"2023-06-04T18:36:19","modified_gmt":"2023-06-04T08:36:19","slug":"becoming-a-first-home-buyer","status":"publish","type":"page","link":"https:\/\/www.2020finance.com.au\/becoming-a-first-home-buyer\/","title":{"rendered":"Becoming a First Home Buyer"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1394\" class=\"elementor elementor-1394\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-100bd8a5 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"100bd8a5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"lqd-css-sticky-column elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2eda37c\" style=\"--lqd-sticky-offset:30px\" data-id=\"2eda37c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-102cc89c elementor-widget elementor-widget-ld_custom_menu\" data-id=\"102cc89c\" data-element_type=\"widget\" data-widget_type=\"ld_custom_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t\t<div\t\t\t\tclass=\"lqd-fancy-menu lqd-custom-menu pos-rel menu-items-has-fill lqd-menu-td-none\"\n\t\t\t\t\t\t\t>\n\t\t\t\n\t\t\t\t\t\t<ul id=\"lqd-custom-menu-102cc89c\" class=\"reset-ul   \" itemtype=\"http:\/\/schema.org\/SiteNavigationElement\" itemscope=\"itemscope\"><li id=\"menu-item-1381\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1381\"><a href=\"https:\/\/www.2020finance.com.au\/buying-a-home\/\">Buying a Home<\/a><\/li>\n<li id=\"menu-item-1423\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1423\"><a href=\"https:\/\/www.2020finance.com.au\/becoming-a-first-home-buyer\/\">Becoming a First Home Buyer<\/a><\/li>\n<li id=\"menu-item-1203\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1203\"><a href=\"https:\/\/www.2020finance.com.au\/building-a-new-home\/\">Building a New Home<\/a><\/li>\n<li id=\"menu-item-1434\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1434\"><a href=\"https:\/\/www.2020finance.com.au\/refinancing-your-home-loan\/\">Refinancing Your Home Loan<\/a><\/li>\n<li id=\"menu-item-1566\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1566\"><a href=\"https:\/\/www.2020finance.com.au\/investing-in-property\/\">Investing in Property<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-505692c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"505692c0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-702ef4b5\" data-id=\"702ef4b5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2aced035 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"2aced035\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-65ead91abe7ee\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h3 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h3\"  > Request a call back<\/h3>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7b8b7b elementor-widget elementor-widget-ld_cf722\" data-id=\"b7b8b7b\" data-element_type=\"widget\" data-widget_type=\"ld_cf722.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t<div class=\"lqd-contact-form lqd-contact-form-inputs-filled  lqd-contact-form-inputs-round lqd-contact-form-button-block   lqd-contact-form-button-round  \">\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f1355-o1\" lang=\"en-US\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/1394#wpcf7-f1355-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"1355\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.8.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f1355-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<div class=\"elementor-column\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"text-432\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your name\" value=\"\" type=\"text\" name=\"text-432\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"elementor-column\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"email-637\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email address\" value=\"\" type=\"email\" name=\"email-637\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"elementor-column\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"tel-586\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel walcf7-datetimepicker\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"tel\" name=\"tel-586\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"elementor-column\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"menu-97\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"menu-97\"><option value=\"Home Loan\">Home Loan<\/option><option value=\"Investment Loan\">Investment Loan<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Business Loan\">Business Loan<\/option><option value=\"Equipment Loan\">Equipment Loan<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cfbfcb9 elementor-align-left elementor-widget elementor-widget-ld_icon_box\" data-id=\"1cfbfcb9\" data-element_type=\"widget\" data-widget_type=\"ld_icon_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t\t<div id=\"ld_icon_box_1cfbfcb9\" class=\"iconbox d-flex flex-grow-1 pos-rel align-items-center iconbox-side iconbox-icon-shaped iconbox-circle\"   >\n\n\t\t\t\t\n\t\t\t\t<div class=\"iconbox-icon-wrap  \"><div class=\"iconbox-icon-container d-inline-flex pos-rel z-index-1 border-radius-circle\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg><\/div><\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"contents \">\n\t\t\t\t\n\t\t\t\t<h3 class=\"lqd-iconbox-heading \" >Talk to a broker today <\/h3>\t\t\t\t<p>07 3491 8883<\/p>\n\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-231f3078\" data-id=\"231f3078\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9824263 elementor-widget elementor-widget-ld_fancy_image\" data-id=\"9824263\" data-element_type=\"widget\" data-widget_type=\"ld_fancy_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"lqd-imggrp-single d-block pos-rel \">\n\t\t\t<div class=\"lqd-imggrp-img-container d-inline-flex pos-rel align-items-center justify-content-center \">\n\t\t\t\t\t\t\t\t<figure class=\"w-100 pos-rel\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1280\" src=\"https:\/\/www.2020finance.com.au\/wp-content\/uploads\/2023\/04\/young-couple-smiling-cooking-in-kitchen-new-home.jpeg\" class=\"attachment-full size-full wp-image-2921\" alt=\"young couple smiling cooking in kitchen new home first home buyer\" srcset=\"https:\/\/www.2020finance.com.au\/wp-content\/uploads\/2023\/04\/young-couple-smiling-cooking-in-kitchen-new-home.jpeg 1920w, https:\/\/www.2020finance.com.au\/wp-content\/uploads\/2023\/04\/young-couple-smiling-cooking-in-kitchen-new-home-300x200.jpeg 300w, https:\/\/www.2020finance.com.au\/wp-content\/uploads\/2023\/04\/young-couple-smiling-cooking-in-kitchen-new-home-1024x683.jpeg 1024w, https:\/\/www.2020finance.com.au\/wp-content\/uploads\/2023\/04\/young-couple-smiling-cooking-in-kitchen-new-home-1536x1024.jpeg 1536w, https:\/\/www.2020finance.com.au\/wp-content\/uploads\/2023\/04\/young-couple-smiling-cooking-in-kitchen-new-home-720x480.jpeg 720w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" itemprop=\"image\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-527f0d1f elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"527f0d1f\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-65ead91acc8f5\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h1 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h1\"  > Becoming a first home buyer<\/h1>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f9ecc21 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"5f9ecc21\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-65ead91acd01d\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<p class=\"ld-fh-element d-inline-block pos-rel  lqd-highlight-classic lqd-highlight-grow-left p\"  > Buying your first home is an exciting, but big step to take and one that comes with many questions and decisions. The first big question is how much you can borrow and what your likely repayments will be.<br><br>\n\nThat\u2019s where we can help, we\u2019ll do the legwork for you. We can compare home loans across a variety of products available from Australia\u2019s leading lending institutions.<br><br>\n\nAnd because you\u2019re a first home buyer, you may be eligible for a first home buyer grant. This grant may be available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. As grant conditions vary from state to state, contact us to find out more about eligibility requirements in your state and how much grant money you could receive.<br><br>\n\nWe will also liaise with the lender. It\u2019s our job to do the hard work and you can focus on finding the right home for you. We\u2019ll be there every step of the way to guide you through the entire home loan process \u2013 from application to approval.<\/p>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49089a40 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"49089a40\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider 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.elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35c57f11 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"35c57f11\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-65ead91ace09d\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h3 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h3\"  > A general First Home Buyer FAQ guide<\/h3>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71ce774c elementor-widget elementor-widget-ld_accordion\" data-id=\"71ce774c\" data-element_type=\"widget\" data-widget_type=\"ld_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"accordion accordion-lg accordion-side-spacing accordion-title-bg-transparent accordion-active-has-fill\" id=\"accordion-65ead91ad0089\" role=\"tablist\" aria-multiselectable=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel  active\">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1901\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-65ead91ad0089\" data-bs-parent=\"#accordion-65ead91ad0089\" href=\"#collapse-1901\" data-target=\"#collapse-1901\" data-bs-target=\"#collapse-1901\"\n\t\t\t\t\taria-expanded=\"true\" aria-controls=\"collapse-1901\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">How much money can I borrow?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1901\" class=\"accordion-collapse collapse  show\" data-bs-parent=\"#accordion-65ead91ad0089\" role=\"tabpanel\" aria-labelledby=\"heading-1901\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\tWe\u2019re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1902\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-65ead91ad0089\" data-bs-parent=\"#accordion-65ead91ad0089\" href=\"#collapse-1902\" data-target=\"#collapse-1902\" data-bs-target=\"#collapse-1902\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1902\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">How do I choose a loan that\u2019s right for me?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1902\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-65ead91ad0089\" role=\"tabpanel\" aria-labelledby=\"heading-1902\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\tOur guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1903\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-65ead91ad0089\" data-bs-parent=\"#accordion-65ead91ad0089\" href=\"#collapse-1903\" data-target=\"#collapse-1903\" data-bs-target=\"#collapse-1903\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1903\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">How much do I need for a deposit?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1903\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-65ead91ad0089\" role=\"tabpanel\" aria-labelledby=\"heading-1903\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\t<p>Usually between 5% \u2013 10% of the value of a property, which you pay when signing a Contract of Sale. Speak with us to discuss your options for a deposit. You may be able to borrow against the equity in your existing home or an investment property.<\/p><p class=\"p1\">Deposits can also be gifted, funded via sale of an asset like a car or shares, or even sourced by first home buyer grants.<\/p>\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1904\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-65ead91ad0089\" data-bs-parent=\"#accordion-65ead91ad0089\" href=\"#collapse-1904\" data-target=\"#collapse-1904\" data-bs-target=\"#collapse-1904\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1904\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">How much will regular repayments be?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1904\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-65ead91ad0089\" role=\"tabpanel\" aria-labelledby=\"heading-1904\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\tGo to our Repayment Calculator for an estimate. Because there so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, we\u2019ll work with you to find a loan set-up that\u2019s right for you.\n\n\nInvestors may also be offered attractive rental guarantees for a limited period. Make sure you do your homework on rental returns on similar properties in the area before accepting the developer\u2019s terms. Be wary of over-inflated rental guarantees. Builders will sometimes promise a high-rent yield to lure investors, build the cost into the property price and then subsidise any gap themselves for a short period. When the rental guarantee expires, you may find the actual market rent falls well short of what you originally pocketed. If investing, make sure you have the option to manage the property yourself or with your chosen property manager from the time you take possession.\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1905\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-65ead91ad0089\" data-bs-parent=\"#accordion-65ead91ad0089\" href=\"#collapse-1905\" data-target=\"#collapse-1905\" data-bs-target=\"#collapse-1905\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1905\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">How often do I make home loan repayments \u2014 weekly, fortnightly or monthly?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1905\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-65ead91ad0089\" role=\"tabpanel\" aria-labelledby=\"heading-1905\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\tMost lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1906\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-65ead91ad0089\" data-bs-parent=\"#accordion-65ead91ad0089\" href=\"#collapse-1906\" data-target=\"#collapse-1906\" data-bs-target=\"#collapse-1906\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1906\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">What is the First Home Owner Grant and can I get one?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1906\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-65ead91ad0089\" role=\"tabpanel\" aria-labelledby=\"heading-1906\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\tThis is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. Contact us directly to find out more about eligibility requirements in your state and how much grant money you could receive.\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item panel \">\n\n\t\t\t\t<div class=\"accordion-heading\" role=\"tab\" id=\"heading-1907\">\n\t\t\t\t<h4 class=\"accordion-title  tabindex=\"-1\">\t\t\t\t\t<a class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-bs-toggle=\"collapse\"\n                    tabindex=\"0\"\n\t\t\t\t\tdata-parent=\"#accordion-65ead91ad0089\" data-bs-parent=\"#accordion-65ead91ad0089\" href=\"#collapse-1907\" data-target=\"#collapse-1907\" data-bs-target=\"#collapse-1907\"\n\t\t\t\t\taria-expanded=\"false\" aria-controls=\"collapse-1907\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-title-txt\">What fees\/costs should I budget for?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"accordion-expander\"><i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i><i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\t\t\t\t<\/div>\n\n\t\t\t\t<div id=\"collapse-1907\" class=\"accordion-collapse collapse \" data-bs-parent=\"#accordion-65ead91ad0089\" role=\"tabpanel\" aria-labelledby=\"heading-1907\">\n\n\t\t\t\t<div class=\"accordion-content\">\n\t\t\t\t\tThere are a number of fees and costs involved when buying a property. To help avoid any surprises, the list below sets out many of the usual costs.\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e40ebec elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e40ebec\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-636fa259 elementor-widget elementor-widget-hub_fancy_heading\" data-id=\"636fa259\" data-element_type=\"widget\" data-widget_type=\"hub_fancy_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div id=\"ld-fancy-heading-65ead91ad0f3d\" class=\"ld-fancy-heading pos-rel\">\n\t\t\t<h3 class=\"ld-fh-element d-inline-block pos-rel  elementor-heading-title lqd-highlight-classic lqd-highlight-grow-left h3\"  > Typical first home buyer fees and costs<\/h3>\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1da0d1ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1da0d1ce\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5328b236\" data-id=\"5328b236\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44cb8c8 elementor-widget elementor-widget-ld_custom_menu\" data-id=\"44cb8c8\" data-element_type=\"widget\" data-widget_type=\"ld_custom_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t\t<div\t\t\t\tclass=\"lqd-fancy-menu lqd-custom-menu pos-rel lqd-menu-td-none\"\n\t\t\t\t\t\t\t>\n\t\t\t\n\t\t\t\t\t\t\t<ul class=\"reset-ul\" id=\"lqd-custom-menu-44cb8c8\" >\n\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tStamp duty \u2014 This is the big one. All other costs are relatively small by comparison. Stamp duty rates vary between state and territory governments and also depend on the value of the property you buy. You may also have to pay stamp duty on the mortgage itself. To estimate your possible stamp duty charge, visit our Stamp Duty Calculator.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLegal\/conveyancing fees \u2014 Generally around $1,000 \u2013 $1500, these fees cover all the legal requirements around your property purchase, including title searches.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBuilding inspection \u2014 This should be carried out by a qualified expert, such as a structural engineer, before you purchase the property. Your Contract of Sale should be subject to the building inspection, so if there are any structural problems you have the option to withdraw from the purchase without any significant financial penalties. A building inspection and report can cost up to $1,000, depending on the size of the property. Your conveyancer will usually arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPest inspection \u2014 Also to be carried out before purchase to ensure the property is free of problems, such as white ants. Your Contract of Sale should be subject to the pest inspection, so if any unwanted crawlies are found you may have the option to withdraw from the purchase without any significant financial penalties. Allow up to $500 depending on the size of the property. Your real estate agent or conveyancer may arrange this inspection, and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLender costs \u2014 Most lenders charge establishment fees to help cover the costs of their own valuation as well as administration fees. We will let you know what your lender charges but allow about $600 to $800.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMoving costs \u2014 Don\u2019t forget to factor in the cost of a removalist if you plan on using one.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMortgage Insurance costs \u2014 If you borrow more than 80% of the purchase price of the property, you\u2019ll also need to pay Lender Mortgage Insurance. You may also consider whether to take out Mortgage Protection Insurance. If you buy a strata title, regular strata fees are payable.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t<a  href=\"#\" target=\"_self\" >\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"link-icon d-inline-flex hide-if-empty left-icon icon-next-to-label\"><i aria-hidden=\"true\" class=\"lqd-icn-ess icon-ion-ios-checkmark\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOngoing costs \u2014 You will need to include council and water rates along with regular loan repayments. It is important to also consider building insurance and contents insurance. Your lender will probably require a minimum sum insured for the building to cover the loan.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/li>\n\n\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Buying a Home Becoming a First Home Buyer Building a New Home Refinancing Your Home Loan Investing in Property Request a call back Home LoanInvestment LoanRefinanceBusiness LoanEquipment Loan Talk to a broker today 07 3491 8883 Becoming a first home buyer Buying your first home is an exciting, but big step to take and one [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2921,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Becoming a First Home Buyer - 20\/20 Finance Brokers<\/title>\n<meta name=\"description\" content=\"Buying your first home is an exciting milestone, but it can be quite daunting. 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