First Home Buyer Loans.
Your First Home Starts Here
Buying your first place is exciting — and it can be confusing. CCF Mortgage Brokers makes it simple. We compare 60+ lenders, explain the options in plain English, and guide you from borrowing power to pre-approval to settlement — without the bank runaround.
Personal guidance from real brokers
Support with grants & government schemes
Fast pre-approvals and clear next steps
Our service is 100% free to you
How We Help First Home Buyers
- Work out your borrowing position (income, deposit, liabilities)
- Compare fixed, variable & mixed options across 60+ lenders
- Help access support (First Home Guarantee, stamp duty concessions where eligible)
- Get you pre-approved so you can make offers with confidence
- Handle the paperwork & bank follow-ups end-to-end
Helping first home buyers across NSW — from Tweed Heads to Killcare and everywhere in between.
Compare your options (at a glance)
First Home Buyer Loan (5–20% deposit)
Best for getting into the market. If eligible, you may be able to pair it with the First Home Guarantee and buy with as little as 5% deposit.
Guarantor Loan (0% deposit)
Best if you have family support. Uses a family property as security and can help you avoid LMI.
Fixed Rate (5–20% deposit)
Best for predictable repayments. Your rate is locked for 1–5 years; break costs may apply.
Variable Rate (5–20% deposit)
Best for flexibility and extra repayments. Rates can change; often works well with an offset account.
Split Loan (5–20% deposit)
Best if you want a balance of certainty and flexibility. Part fixed, part variable.
Low Deposit + LMI (5–15% deposit)
Best for buying sooner with less saved. LMI usually applies when your deposit is under 20%.
We’ll tailor the best option to your deposit, income, and property goals.
Understanding Grants & Schemes
We’ll help you check and apply for relevant support:
- First Home Guarantee (FHBG) – buy with as little as 5% (eligibility applies)
- Stamp duty concessions – where applicable in NSW and across all other States Nationally
- Guarantor options – buy sooner and avoid LMI
Our Process
- Quick Chat – Tell us your plan, deposit, and timeframe.
- Compare 60+ Lenders – We present clear options with pros/cons.
- Pre-Approval – We handle the application and keep you posted.
- Offer & Settlement – From valuation to final docs, we manage the details.
The part most clients love? You don’t have to deal with the bank. We do it for you.
Why First Home Buyers Choose CCFMB
- We answer the phone and explain things clearly
- Real recommendations, not sales scripts
- Fast, transparent updates — no surprises
- We’re here after settlement to keep your rate competitive
First Home Buyer Loans FAQs
Most lenders like 10–20%, but some first home buyers can purchase with as little as 5% using the First Home Guarantee (eligibility applies).
Yes. You may use FHBG (from 5%) or consider LMI below 20%. We’ll compare the costs and timelines for each path.
Fixed gives certainty; variable offers flexibility. Many first home buyers choose a split to balance both depending on the current market, we help tailor a solution to suit your needs.
Once documents are in, many lenders issue pre-approval within a week but this constantly changes and will give you clear expectations at the time. We’ll keep things moving.