WANT TO BUY YOUR FIRST HOME SOONER?
Apply For A Free First Home Buyer Strategy Consultation And Discover How You Can Buy With Just 5% Deposit And No LMI*
WANT TO BUY YOUR FIRST HOME SOONER?
Apply For A Free First Home Buyer Strategy Consultation And Discover How Your Can Buy With Just 5% Deposit And No LMI*
Buying your first home doesn’t need to feel out of reach. With the Australian Government’s Home Guarantee Scheme, you may be able to:
Buy with as little as 5% deposit*
Pay no Lenders Mortgage Insurance (LMI)*
Access participating lenders through the scheme
- Higher property price caps now available across Australia
- Unlimited scheme places so you will never miss out
The Challenge Of Buying Your First Home
Dear First Home Buyer,
We know how tough it is trying to save a 20% deposit in today’s market.
By the time you save enough, property prices may have already moved higher pushing your dream home further out of reach.
On top of that, paying LMI can add tens of thousands to your costs.
Many buyers feel stuck renting unable to take the next step.
But now with the updated First Home Buyers Guarantee (part of the Australian Government’s Home Guarantee Scheme) the game has changed:
- Buy with a 5% deposit*
- Pay no LMI*
- Enjoy higher property caps, making more homes eligible
- Apply without worrying about income caps
- Unlimited scheme places, so you will never miss out again
1. Fill out our free consultation form
2. We review your goals, eligibility, requirements ad match you with suitable partner lenders
3. Access participating lenders through the scheme for the right fi
4. Apply with out end-to-end support
Loan Market Rotstein
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.
Guiding Australians Into Home Ownership With Care
We’ve supported over hundreds Australians step in achieving home ownership through tailored lending solutions. With access to more than 60+ lenders, from major banks to specialist providers, we’re trusted by couples, individuals and growing families to guide them with clarity, care and proven results.
Why Australians Choose Us For The First Home Buyer Guarantee
Buy with a 5% deposit*
No Lenders Mortgage Insurance (LMI)*
Higher property price caps across all states*
Unlimited scheme places with no waiting lists
Get access to multiple participating lenders instead of being restricted to one bank
Experience you Can Trust. Guidance You Can Rely On.
Loan Market Rotstein
Multi-Awarded Brokerage Firm in Australia
At Loan Market Rotstein, you’ll work with a family team of brokers who bring decades of experience and a shared commitment to helping Australians achieve home ownership.
Trish Rotstein has built a reputation for her caring and client-focused approach. With years of industry experience, she is known for making complex lending simple, ensuring every client feels supported from the first meeting through to settlement.
Claude Rotstein brings a wealth of financial knowledge and practical experience, with a strong focus on finding tailored lending solutions that fit each clients lifestyle and long-term goals. His clear and Straight forward advice has made him a trusted partner for individuals, families and professionals across Australia.
Emma Rotstein adds a fresh perspective to the team, combining modern industry insights with the family’s long-standing values of care, clarity, and professionalism. She works alongside Claude and Trish to provide clients with responsive, personalised service.
Together, the Rotstein Finance Hub is built on trust experience, and a genuine dedication to helping every client feel confident in their financial decisions.
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 ROTSTEINS 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.*
Take the First Step Toward Your New Home
This isn’t a sales pitch or rushed form.
Your first home is closer than ever. With the First Home Buyer Guarantee (Part of the Home Guarantee Scheme), you can buy sooner, save thousands in LMI, and get into the market with just 5% deposit.
Now the scheme is open to every eligible first home buyer. You do not need to wait for limited spots anymore. Plus, higher property caps across Australia make it easier to find a home you love that qualifies. *
Consultations spots are limited. If you’re ready to explore what’s possible, now is the time to start