It’s not just about finding a property. Lenders look at your income, debts, savings and even your spending habits when calculating what you can borrow. Then you face costs like deposit, stamp duty, loan fees, insurance and moving in. That’s why many first home buyers feel stuck — but you don’t have to navigate it alone.
At Smooth Path Finance we specialise in first home buyers and we service clients Australia-wide. We start by helping you understand:
how much you could borrow
how much deposit you may need
the impact of your current debts or spending
what your repayments might look like
We then work with you to pick the right home loan structure and lender from our large panel of more than 60 lenders. We manage all the paperwork, talk to the lender on your behalf and keep things as simple as possible.
There are state and federal programs you may qualify for:
The First Home Guarantee may allow you to buy with as little as 5% deposit and no Lenders Mortgage Insurance.
Stamp duty exemptions or concessions vary by state and property value.
The First Home Owner Grant may apply if you’re buying a new home or building.
We’ll check your eligibility for each scheme and help you claim what you’re entitled to.
We’ll walk you through everything in plain English:
Proof of income (pay slips, tax returns if self-employed)
Bank statements showing savings and spending patterns
Details of debts, credit cards or loans
A clear picture of your deposit and any available grants
Doing this early helps you get pre-approval ready so when you find your property you can move fast.
Specialist support for first home buyers.
Access to a large lender panel of over 60 banks and non-bank lenders across Australia.
One-on-one guidance, transparent advice and no hidden fees.
We stay with you until settlement and we’re happy to help after you move in too.