We provide credit assistance to help first home buyers understand how the lending process works, what options may be available, and what to expect at each stage — from early planning through to settlement.
Our role is to explain lender requirements clearly, compare loan structures across a broad panel of lenders, and guide you through the application process so you can move forward with confidence.
Government schemes and assistance
There are a range of government schemes and concessions available to eligible first home buyers across Australia. These programs vary by state and territory and are regularly updated, with eligibility criteria, limits and availability changing over time.
Common first home buyer schemes may include:
- First Home Guarantee and related federal guarantee schemes
- First Homeowner Grants, which vary by state and territory
- Stamp duty concessions or exemptions, depending on location and property value
- Shared equity schemes, where available
- Regional or location-based incentives in certain areas
Each scheme has its own rules around income limits, property price caps, property types and residency requirements. We help you understand how these schemes work at a high level and how they may interact with your lending options.
We help first home buyers understand how these schemes work at a high level and how they may interact with their lending options, based on the current settings at the time of application.
How we support first home buyers
We help first home buyers by:
- Explaining how lenders assess applications
- Clarifying deposit requirements and borrowing capacity
- Comparing loan features and structures
- Managing the application, approval and settlement process
- Supporting you if circumstances change along the way
Our focus is on making the process clearer and more manageable, particularly if this is your first experience with home lending.
Working alongside your advice team
Where refinancing forms part of a holistic financial review, lending considerations are implemented alongside your plan. Decisions around financial and tax advice will be considered within your Ironbark Advice team as part of your great advice framework.