The good news is that, as a first home buyer, you may be eligible for the First Home Owner Grant. This is a government assistance program that can provide you with a one off payment towards the deposit for your first home. Check to see if you’re eligible for the First Home Owner Grant Scheme (FHOG), which is a government-funded scheme that provides a non-means tested payment of $7,000. We are happy to help check your eligibility, and even lodge your application on your behalf. Once we’ve worked out your needs and have your details we can usually provide a decision on your application within a few days. Depending on the loan or your situation, we may check a few things, like property valuations and whether you need Lender’s Mortgage insurance. We’ll talk you through all the fees and charges involved and set up your home loan repayments. We’ll explain the next steps of the home loan application process and answer any other questions that you may have. We can help you with everything at this stage, from tips on saving for a deposit and sharing a home loan, to making repayments and the additional costs you need to keep in mind.