Make Your First Home A Reality
Book For A Free First Home Buyer Strategy Consultation And Discover How Your Can Buy With Just 5% Deposit And No LMI*
Make Your First Home A Reality
Book For A Free First Home Buyer Strategy Consultation And Discover How Your Can Buy With Just 5% Deposit And No LMI*
Saving a full 20% deposit can feel impossible. Buwith the Australian Government’s First Home Guarantee, you may be able to buy your first home sooner than you think, Here’s how it helps:
Buy with as little as 5% deposit*
Pay no Lenders Mortgage Insurance (LMI) and save thousands*
Access participating lenders through the scheme
- Get expert guidance on eligibility and the application process
The Real Reason First- Home Buyers Feel Stuck
To the future homeowners,
You’ve been told you need a 20% desposit.
On an average $600,000 home, that is $120,000 not including stamp duty, legal fees, or moving costs.
For most Australians, sving that amount whilse renting is close to impossible.
Manu first-home buyers also get discouraged by confusing bak requirements, mixed messages about grants, and the fear of making an expensive mistake.
The First Home Guarantee can change everything,
With as little as 5% deposit, you could get into the market sooner, save thousand in avoided LMI, and finally stop paying ret to someone else.
Here’s how the First Home Guarantee works:
You contribute a minimum 5% deposit from genuine savings*
The government acts as guarantor for up to 25% of property value
This removes the need for Lenders Mortgage Insurance or LMI, saving you thousands*
We connect you with participating lenders, prepare your application, and guide you to approval
Loan Market Canberra Team
Multi-Awarded Brokerage Firm in Australia
Is The First Home Guarantee Right For You?
We help people from all walks of life get there first dream home.
You may be eligible if:
- You are a first-home buyer who has not owned property in Australia before
- You are an Australian citizen aged 18 or over
- You have at least 5% deposit saved from genuine savings*
- Your income is below the government threshold ($125,000 for singles or $200,000 for couples)
- The property you want to buy is within the scheme price caps
- You plan to live in the property as your home, not as an investment
We’ll confirm your eligibility, explain the steps clearly, and prepare your application so you don’t miss out.
Trusted By Hundreds Of Australian Borrowers
We’ve helped over hundreds Australians step into home ownership using smart lending strategies. With access to more than 60+ lenders, including major banks and specialist providers, we’re trusted by couples, individuals and growing families to guide them with clarity, care and proven results.
Reasons First-Home Buyers Trust Loan Market Canberra
We check if you qualify for the First Home Guarantee
Access to multiple participating lenders so you are not limited to one bank
Clear explanation of how the scheme works and what properties are eligible
Support with other grants, like First Home Owner Grant and stamp duty concessions
Transparent guidance on loan repayments and ongoing costs
A personalised deposit strategy if you are not quite ready yet
The Team Turning Complex Loans Into Simple Solutions
Loan Market Canberra
Multi-Awarded Brokerage Firm in Australia
At Loan Market Canberra, we believe securing the right home loan should be simple, transparent, and tailored to you.
Our team brings over 14 years of combined experience across real estate and finance, giving us a unique understanding of the full property journey – not just the loan application.
We specialise in helping frontline professionals, first- home buyers and families across Canberra and the surrounding region.
From navigating shift work income to maximising government grants ad lender discounts, we know the challenges our clients face and how to turn them into opportunities.
What sets us apart is our access to more than 60 lenders, not just one bank, along with exclusive rated and waived LMI options eligible borrowers. We provide step-by-step support from your first chat through to settlement, with a dedicated team who ensures the process is clear, fast, and stressfast.
Our mission is simple: to take the pressure off and guide you with Honestly , clarity and a plan that fits your life.
Whether you’re buying your first home, refinancing. or upgrading, Loan Market Canberra is here to make it happen.
Here’s How We Make The Process Simple
Step 1
Fill out our consultation form
This form captures just the contact info, goals and your situation. No parperwork, no documents needed upfront.
Step 2
Jump on a quick call or meeting with our team
We going to assess your goals, situation and requirements. We’ll explain your car loan options, answer your questions, and help you choose what suits you
Step 3
Access to wide range of our partnered lenders
After the consultation call, our brokers will review a wide range of options from our lending partners to help you find competitive rates and suitable solutions for your needs.
Step 4
Choose your deal and we do the rest
We manage the paperwork when you are ready to move forward
The Difference The First Home Guarantee Can Make
WITH LOAN MARKET CANBERRA’S HELP
- Buy with just 5% deposit through FHBG
- No LMI required, which means thousands saved*
- Buy years sooner, often in 2 to 3 years depending on savings*
- Enter the market earlier and benefit from property growth while owning
- Access a tailored pathway designed to help first- home byers success
Doing it Alone
- Need a 20% deposit
- Must pay LMI if deposit under 20%
- Takes 8 to 12 years on average to save a 20% deposit
- Risk of house prices rising faster than you can save
- Limited pathways without special schemes
Common First Home Guarantee Questions
No. It is a Government guarantee to the lender, not a cash payment to you.*
Yes, if you qualify. The government acts as guarantor for the remaining 15%, meaning you avoid paying LMI*.
Lenders Mortgage Insurance is a fee charged by banks when you borrow more than 80%. It often costs $15,000 to $30,000*, depending on your loan size. The scheme removes this cost for eligible buyers.
Yes. There are a set number of places each financial year. Once they are gone, you may have to wait until the next release.
No. Several banks and lenders participate. We compare options and connect you with the right one.
You can use the standard path and avoid LMI without the scheme. We will model both options so you can choose what suits you.*
Stop Renting And Start Owning With Just 5% Deposit*
This isn’t a sales call or a quick form.
It’s a real conversation where we learn about your goals, review your income, and build a lending strategy tailored to your career.
Whether you’re buying your first home, refinancing, or simply planning for the future, our team is here to help with clarity and care.
Spots for new consultations are limited. If you’re ready to explore what’s possible, now is the time to start
Copyright 2025 – Loan Market Canberra
DB Finance Australia Pty Ltd t/a Loan Market Canberra is authorised under Loan Market Pty Ltd ACN 105 230 019 Australian Credit Licence 390222
*Eligibility for the First Home Buyer Guarantee is subject to lender criteria and government policy. For further information refer to www.housingaustralia.gov.au/first-home-guarantee. Saving from LMI waivers, deposit requirements, and other benefits are examples only. Individual results may vary. The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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