Buy your first home with someone in your corner.

First home is the steepest learning curve. We help Gold Coast buyers navigate schemes, deposits and lender choice so you know what you can borrow and how to get to settlement without surprises.

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Who this is built for.

Saving towards your first deposit
Eligible for the Australian Government 5% Deposit Scheme or similar programs
Buying with a partner or buying solo
Family pledge or guarantor structures
Borrowing with a smaller deposit and LMI
Wanting a clear plan, not pressure

What we do

How we approach this work.

Australian Government 5% Deposit Scheme

Some eligible first home buyers may be able to buy with a 5% deposit under the Australian Government 5% Deposit Scheme, without paying LMI. Eligible single parents or legal guardians may have access to a 2% deposit pathway under the same scheme. Deposit requirements, upfront costs, property caps, lender approval and scheme rules still apply. For the Gold Coast, the current property price cap is $1,000,000. Both the purchase price and the lender assessed property value need to be within the scheme cap. There are currently no income caps under this scheme.

Queensland First Home Owner Grant

Eligible Queensland first home buyers may qualify for the First Home Owner Grant when buying or building a new home. As at June 2026, the grant is $30,000 for eligible contracts signed between 20 November 2023 and 30 June 2026. The total value of the home, including land and contract variations, must be less than $750,000. This grant is time sensitive, so confirm the current rules before signing a contract.

Help to Buy and Boost to Buy

Help to Buy is a separate Australian Government shared equity scheme with income caps. Boost to Buy is a Queensland shared equity scheme with limited availability. Both are separate from the 5% Deposit Scheme. We help you check current eligibility, caps and participating lenders before you rely on either path.

Pre-approval that holds up

A fully assessed pre-approval can help confirm whether you may qualify for a scheme and may allow a participating lender to reserve a place, subject to final lender approval, property checks, scheme rules and availability.

FAQs

Common questions.

How much deposit do I actually need?+

Some eligible first home buyers may be able to buy with a 5% deposit under the Australian Government 5% Deposit Scheme, without paying LMI. Eligible single parents or legal guardians may have access to a 2% deposit pathway under the same scheme. Deposit requirements, upfront costs, property caps, lender approval and scheme rules still apply. You will also need to budget for transfer duty where it applies, conveyancing and a cash buffer.

Will using a broker cost me?+

In many cases, our service is paid by the lender after settlement, and this is disclosed to you. We are required to act in your best interests and recommend options based on your needs, goals and circumstances, not simply who pays us. If a broker fee applies in a specific situation, we will explain it clearly before you proceed.

How long does the whole process take?+

From first chat to pre-approval is typically a couple of weeks. From signed contract to settlement is usually 30-45 days, depending on your contract terms.

Next step

Let's chat about your next move.

No pressure, no jargon. We'll listen first, then map out the smartest way forward.

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