First Home Buyer Loans

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Spring purchase

Making your first home dream a reality

 

There are few things more exciting than getting the keys to your first home. Understanding the process to get into your new home is what we can assist with. We can help you plan so that you are not blindsided by lender policies or hidden costs.

We will be there to guide you through the whole process, whether you are buying a house and land package or an established home. We can help you find out what incentives or schemes you may qualify for that may assist you in making your first home dream a reality.

First Steps

Book an appointment with us (no cost), and we can help set out the process as a first home buyer. We will guide you through all the costs associated with a purchase and importantly give you your borrowing capacity allowing you to understand your budget.

Pre-approval

If you haven’t chosen your home yet and want the confidence to make an offer when you find it, we can assist in getting you pre-approved for your purchase.

Apply for incentives

As a first home owner there are a range of incentives that you may qualify for. We can help find out what you can access and help you submit the applications.

First Home Owners Grant

The first home owners grant is a one-off payment to assist first home buyers in buying or building their first home.

The grant is currently $10,000 for newly built homes (substantially renovated properties may qualify). For those purchasing an established property it provides a stamp duty waiver on purchases $430,000 or below and a stamp duty discount for purchases between $430,000 and $530,000.

Click here for the first home owners grant website

First Home Loan Deposit Scheme

The Federal Government launched the FHLDS in January 2020 with 10,000 grants being available to Australian citizens who are buying their first home in that financial year and a further 10,000 from 1st July 2020.

The scheme allows purchasers to have lenders mortgage insurance waived with just a 5% deposit through selected lenders.

First Home Buyers Assistance Account

A grant of up to $2,000 assisting first home buyers in Western Australia with some of the costs associated with their purchase. Available for purchases up to $400,000.

Click here for the first home buyers assistance website

Family Guarantee

Family guarantee is a way that parents can assist their children by providing their property as additional security for the new loan.

It allows a new purchase to be free from lenders mortgage insurance and keeps the loan rate competitive.

There are many considerations when entering into a family guarantee. Get in touch if you’d like more information.

Make your dream home become a reality

It can be daunting, just the thought of going through all your finances and deciding what to do next. At Fox Mortgages we’ve dealt with many clients who feel the same way.

We don’t charge you to review your situation and provide you with a stress-free process. We do all the legwork, all you do is come along to the appointment with a few bits of information and you let us do the hard work.

Get in touch now to book your review with Fox Mortgages.

Teri Hayes
Teri Hayes
2024-02-04
Had our free appointment with Paul. He was great to deal with and super honest. We came away with a strong understanding of where we are at financially and where to next. Couldn't have been happier with the consultation. We felt Paul was very knowledgeable, not at all pushy and definitely encouraged us to go for the best deal for us regardless of any benefit to himself. All on a Saturday to fit in with our work commitments. Would highly recommend.
Melissa Bishop
Melissa Bishop
2024-01-27
Highly recommend . We were recommended Fox Mortgage Services through a friend. We are so happy with their services. They were professional and patient with us as we refinanced our home. They kept us informed at every stage of the process and made it easy and simple for us. Would highly recommend Paul and his team.
Tepora Puha
Tepora Puha
2024-01-11
Such an amazing team. I personally have dealt with Naomi and she is amazing. Communication is 2nd to none and then get from Paul, they appreciate and treat everyone well. Thanks you Team Fox. I highy recommend Fox Mortgages and happily let my friends know.
Jon Brown
Jon Brown
2023-12-18
I must admit that, despite being on my 4th house, I have never been to see a mortgage advisor. - Usually googled rates (or checked out finance websites) and done it myself. Having seen Paul at Fox Mortgages, I'm kicking myself that I have not gone to see a mortgage advisor before in my life as I'm sure I would have saved myselves thousands of dollars! Paul's wealth of knowledge of the market and all the products out there meant that he could find a lender that was willing to lend to us in our reasonably difficult position (2nd year in business), and also come up with a great rate. Paul and Naomi were great in keeping us updated with the progress of our loan, even in these uncertain COVID times and answered our plethora of 'first timer' questions. I definitely recommend that you go see Paul and see if he can help - even if you are on something like Keystart, he might be able to give you some advise to help you progress your finances quicker.
Ben McElwain
Ben McElwain
2023-12-16
Exceptional service. My experience dealing with Paul Fox Mortgages and his team, namely Naomi has been extremely punctual, proffer and very friendly. They have answered all my questions, handled the mortgage paperwork and kept me informed along the way. I cant recommend Paul Fox Mortgages more highly.
L Robbo
L Robbo
2023-12-14
We got our home! . Firstly I can’t recommend Naomi at Fox mortgages enough, she has been brilliant in helping us. Communication/knowledge and professionalism was shown throughout our first home buying experience and it all ran so smoothly from start to finish. I would highly recommend the Team at Fox Mortgage’s to help you secure your family home!
Anita Langton
Anita Langton
2023-12-13
Exceptional Service and Expertise . I recently had the pleasure of working with Paul from Fox Mortgages, and I couldn’t be more delighted with the experience. From the beginning, he provided invaluable advice that was both insightful and tailored to my specific needs. His customer-focused approach was evident throughout the entire process, making me feel like a priority. Paul and his company have truly mastered the art of efficiency when it comes to paperwork. The entire documentation process was not only easy but surprisingly swift. Their streamlined procedures ensured that I could navigate through the paperwork hassle-free, which was a breath of fresh air compared to my previous experiences. In summary, if you’re in search of a mortgage broker who combines exceptional advice, customer-centricity, and an efficient paperwork process, look no further than Paul and the Fox Mortgages team. I highly recommend his services and am grateful for the positive impact he had on my home refinancing journey. A true 5/5 star experience!
Sue Williams
Sue Williams
2023-12-13
Paul was fantastic
Erica Millward
Erica Millward
2023-12-07
The team at Fox mortgages were amazing! Made the process of getting our home loan so much easier. Took away most of the hassle & stress, couldn’t recommend them enough!
Rhyce Murphy
Rhyce Murphy
2023-11-29
Paul and Naomi, have once again done a fantastic job for us. They always go above and beyond to ensure everything is completed to a high standard. Thanks again guys