Loan Market Canberra: broker grow FHBG

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

And yes, our service is 100% free. The lender pays us, not you.

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.

The Loan Market have been amazing! Navigating us through paperwork, providing advice and calculations. This is not something I would like to have tackled myself. Lucia and her team showed incredible patience with unwise and I, there was nothing simple about our circumstances. Thank you so much. I would highly recommend The Loan Market Canberra.

Great online system to upload all the documents and access banks account details etc made that part a dream, and then the thorough meeting discussing our plans was really beneficial to explain parts I was a bit confused about and they came up with a great and easy plan for us. Lots of communication and the best possible rate and done quickly!

Lucia and Loan market Canberra were recommended to me from a friend, and I was not disappointed. The team was very knowledgeable, professional and, extremely fast in presenting the best products available to me on the market. A very simple and seamless experience and would recommend to all. Will definitely be back in the near future. 5 stars 🙂

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

Common First Home Guarantee Questions

Is FHBG a grant or cash payment?

No. It is a Government guarantee to the lender, not a cash payment to you.*

Do I really only need 5% deposit?

Yes, if you qualify. The government acts as guarantor for the remaining 15%, meaning you avoid paying LMI*.

What is LMI and why is it so expensive?

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.

Is the scheme limited?

Yes. There are a set number of places each financial year. Once they are gone, you may have to wait until the next release.

Do I have to use one specific bank?

No. Several banks and lenders participate. We compare options and connect you with the right one.

What happens if I have a 20% deposit?

You can use the standard path and avoid LMI without the scheme. We will model both options so you can choose what suits you.*

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.