First Home Buyer Loans | Government Grant Experts

A Strategic Path to Your First Home

Entering the property market is a major milestone, however we understand the path to your first home can also come with a healthy dose of stress and anxiety. At Prosper One Finance, we act as your advocates, keeping you safe, keeping you informed and ensuring an abundance of knowledge makes the process as stress-free as possible.

The Prosper One Advantage

Incentive Optimisation: We identify every applicable government incentive for which you qualify, ensuring you don't leave money on the table.
Low-Deposit Specialists: We specialise in high-LVR lending strategies, helping you secure a property with as little as a 5% deposit without the cost of Lenders Mortgage Insurance (LMI).
Pre-Approval Precision: In a competitive market, speed is everything. We ensure your file is "lender-ready" so you can bid with the confidence of a seasoned investor.
Independent Advocacy: We compare hundreds of products from a panel of lenders to find the optimal solution.

Navigating First Home Incentives

The Australian Government 5% Deposit Scheme

We help eligible buyers access the First Home Guarantee (FHBG). This scheme allows you to purchase a home with a deposit as low as 5% by providing a government guarantee to the lender. This effectively removes the need for LMI, potentially saving you tens of thousands of dollars and allowing you to enter the market years earlier.

Stamp Duty Exemptions & Concessions

Stamp duty is often the single largest hurdle for first home buyers. We guide you through the current thresholds—such as the full exemptions available in NSW for properties up to $800,000 and concessional rates up to $1,000,000. Our team ensures your purchase is structured to take full advantage of these significant savings.

First Home Super Saver Scheme (FHSS)

We help you understand how to use your superannuation as a high-powered savings tool. By making voluntary contributions, you can save for your deposit in a tax-effective environment and withdraw those funds when you're ready to buy, giving your deposit an immediate boost.