In-House
Finance Team
Understanding Finance
is the first step to owning your home.
At First Home Owners Centre, we put finance first to help you move forward with certainty.
Our in-house finance specialists work with a range of lenders to help you understand your borrowing power and identify loan options that suit your situation.
We assist with first home owner grants, low deposit loans, Keystart finance and guarantor options where available. By securing finance early, we remove guesswork and delays.
Understanding Finance
is the first step to owning your home.
At First Home Owners Centre, we put finance first to help you move forward with certainty.
Our in-house finance specialists work with a range of lenders to help you understand your borrowing power and identify loan options that suit your situation.
We assist with first home owner grants, low deposit loans, Keystart finance and guarantor options where available. By securing finance early, we remove guesswork and delays.
A complete guide to financing your first home in Perth
Understanding your options and getting the right support from the very beginning.
For most first home buyers in Perth, finance is the most important part of the home ownership process. It determines what is possible, how quickly you can move forward and how comfortable your repayments will be long-term.
With a wide range of loan products, government incentives and lending pathways available, it can quickly become overwhelming. That is why having the right guidance from the outset is critical.
At First Home Owners Centre, we provide access to a dedicated in-house finance team made up of qualified specialists who understand both the lending landscape and the home building process. This allows us to tailor finance solutions that are practical, achievable and aligned with your goals.
Navigating
The Finance Landscape
When assessing your ability to purchase your first home, we look at number of key factors:
Your income and employment stability
Your savings and deposit
Your existing financial commitments
Your credit history
Your overall borrowing capacity
Understanding how these elements work together is essential, and we guide you through this step clearly so you know exactly where you stand.
Finance Products Available
To First Home Buyers
Standard Variable Rate Loans
Variable loans remain one of the most common options.
Key features:
- Interest rates can move up or down
- Flexibility to make extra repayments
- Access to features such as redraw or offset accounts
Fixed Rate Loans
Fixed rate loans lock in your repayments for a set period.
Key features:

- Predictable repayments
- Protection from interest rate increases
- Limited flexibility during the fixed term
Split Loans
A combination of fixed and variable 
lending.
Key features:
- Balance between certainty and flexibility
- Ability to manage risk across changing interest rates
Low Deposit Options
For many first home buyers, saving a large deposit can be a barrier.
Key features:

- Entry into the market with a smaller deposit
- May involve additional costs unless supported by a scheme
Government Support Schemes
Variable loans remain one of the most common options.
First Home Guarantee

- Purchase with as little as 5% deposit
- No Lenders Mortgage Insurance required for eligible applicants
Family Home Guarantee

- Designed for eligible single parents
These schemes can significantly reduce upfront costs and improve accessibility, and we help determine which ones you may qualify for.
Keystart Home Loans (WA)
A State Government initiative offering low-deposit home loans for Western Australians.
Key features:

- Low deposit requirements
- Flexible eligibility criteria
- No LMI
This can be a practical pathway into the market for many buyers, and we assess whether it is the right option for your situation.
Guarantor Support
In some cases, family support can assist with securing a loan.
Key features:

- Can reduce or remove deposit requirements
- May help avoid additional costs
We help you understand how this works and whether it is suitable for you.
Grants and incentives in WA
First Home Owner Grant (FHOG)
$10,000 for eligible new builds
Stamp Duty Concessions
We guide you through these incentives and ensure you maximise every opportunity available to you.
A complete guide to financing your first home in Perth
Understanding your options and getting the right support from the very beginning.
For most first home buyers in Perth, finance is the most important part of the home ownership process. It determines what is possible, how quickly you can move forward and how comfortable your repayments will be long-term.
With a wide range of loan products, government incentives and lending pathways available, it can quickly become overwhelming. That is why having the right guidance from the outset is critical.
At First Home Owners Centre, we provide access to a dedicated in-house finance team made up of qualified specialists who understand both the lending landscape and the home building process. This allows us to tailor finance solutions that are practical, achievable and aligned with your goals.
Common Mistakes
We Help You Avoid
Overestimating what you can comfortably repay
Not factoring in additional costs such as site works and upgrades
Choosing a loan structure that does not suit your lifestyle
Missing out on available grants or incentives
Leaving finance too late in the process
There are more pathways into home ownership than ever before, but navigating them requires clarity, structure and the right support.
At First Home Owners Centre, we simplify the process by providing expert guidance and tailored finance solutions designed around you.
Speak with our team today to understand your options and take the next step towards owning your first home with confidence.
Finance Disclaimer The information provided on this website is of a general nature only and has been prepared without taking into account your personal objectives, financial situation or needs. It should not be relied upon as financial, legal or taxation advice. Finance is subject to eligibility, lender approval and lending criteria. Loan terms, interest rates, fees, Government initiatives, grants and incentive programs are subject to change without notice and may not be available to all applicants. Any repayment examples, borrowing capacities, savings estimates or financial illustrations are indicative only and should not be relied upon as a guarantee of finance approval or future lending outcomes. First Home Owners Centre works with suitably licensed and qualified finance professionals who can assist eligible clients in exploring available finance options. We recommend obtaining independent financial, legal and taxation advice before making any financial or property purchasing decisions.