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Now - 30 SeptFrom 1 Oct 2025

First Home Buyer in Perth? Buy with a 5% deposit using the Home Guarantee Scheme (avoid LMI if eligible). From 1 Oct: Unlimited places, no income caps. Perth cap $850k (regional WA $600k). Get pre-approved in 15 minutes.

Apply under today’s rules. Current WA caps: Perth metro up to $600k; regional WA up to $450k. Scheme administered by Housing Australia via participating lenders. Caps apply to property price, not loan size.

  • We compare 40+ lenders and lodge with participating lenders.
  • Fast pre-approval workflow and clear document checklist.
  • Subject to lender & scheme eligibility. Not a cash grant.Avoid LMI if eligible. Not a cash grant.
3-minute FHB eligibility check See your new buying power How it works

If you’re searching for low deposit home loans in Perth, the Home Guarantee Scheme could help you buy sooner with a 5% deposit and avoid LMI if eligible.

Before vs After Oct 1 (WA caps & rules)

Before Oct 1
  • Limited places
  • Income caps apply
  • Perth cap: $600k (regional $450k)
  • 5% deposit paths (avoid LMI if eligible)
From Oct 1
  • Unlimited places
  • No income caps
  • Perth cap: $850k (regional $600k)
  • 5% deposit paths (avoid LMI if eligible)

Changes effective 1 Oct 2025. Scheme administered by Housing Australia via participating lenders. General info only.

3-minute first-home eligibility checkSee your new buying power

No credit check. We’ll confirm details on a quick call. You’ll see your borrowing range, deposit pathway and whether you may avoid LMI.

Prefer to jump straight in? Start your application here:

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Kirandeep Hundal - Credit Representative #CRN 530986
10+ years helping WA buyers with low-deposit pathways and first-home approvals.
Documents for fast pre-approval
  • ID (Driver’s licence/passport), Medicare
  • Last 3 months bank statements
  • Recent payslips / employment letter (or tax returns if self-employed)
  • Evidence of savings/deposit and any gifts

What happens after the eligibility call?

  1. We confirm your pathway (First Home Guarantee / Family Home Guarantee) and best-fit lenders.
  2. Upload docs with our secure checklist (5–10 minutes).
  3. Pre-approval submitted—then you shop with confidence (we keep a Plan-B lender ready).
Book my call Read FAQs

How it works

  1. 15-min eligibility call. We map the right guarantee pathway and shortlist lenders.
  2. Docs + pre-approval. Clear checklist; we lodge to your best-fit lender.
  3. Search + offer. We coordinate valuations and keep a Plan-B lender ready.
WA caps snapshot
Today
Perth metro: $600,000
Regional WA: $450,000
From 1 Oct
Perth metro: $850,000
Regional WA: $600,000

Caps apply to property price, not loan size. Scheme & lender eligibility apply. Stamp duty is separate; first-home concessions (FHOR) may reduce duty.

Quick eligibility checklist

  • Deposit saved (2% single parents / 5% most FHB paths)
  • Purchasing under WA cap (Perth ≤ $850k; regional ≤ $600k from Oct 1)
  • Australian citizen/PR and lender credit criteria apply
  • Buying an eligible residential property, to live in
Check my eligibility Book a call
Call 3-min Eligibility

Our 40+ Lender Network

Participating lenders only for Home Guarantee Scheme pathways.

Logos shown for illustration. Lender availability and scheme participation can change. We’ll shortlist lenders that fit your eligibility and goals.

Here is your edge why you should work with us

Personalized Solutions

Tailored loans, clear strategies, and a focus on your property goals - so you can achieve more, stress-free.

Education First

We help you understand your options and provide expert advice at every step with clear, jargon-free answers.

Problem Solving

Simplified documents, responsive communication, and ongoing support for your questions and concerns.

Expert Network

We'll connect you with trusted professionals - property, finance, tax, and legal - when you need them.

Guaranteed Service

Expect prompt replies via phone, email, or WhatsApp, weekdays from 9am–9pm. Your journey matters to us.

Market Insights

Data-driven reports and resources so you move forward with total confidence in your choices.

Accredited Broker

As a Finsure and MFAA member, you get the highest standard of professionalism and results.

First-home essentials

A quick guide to the parts that matter most - deposit, budget, the buying steps and picking the right loan.

Your deposit

How much do you actually need?

Many buyers aim for 20%, but it’s possible to purchase with less. Low-deposit loans can involve Lenders Mortgage Insurance (LMI), and some government-backed guarantees may help eligible buyers reduce or avoid LMI. Exact options depend on your circumstances and the lender’s criteria.

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FAQs

Is this a cash grant?
No. It’s a government guarantee to the lender that can help eligible buyers avoid LMI with a low deposit. You still need to meet full lender credit criteria.
Do I need to be a first-home buyer?
For the main First Home Buyer pathways, yes. Some variants exist (e.g., Family Home Guarantee for single parents/guardians). We’ll confirm what applies to you.
What happens on Oct 1?
Places become unlimited, income caps are removed, and WA price caps rise (Perth to $850k; regional WA to $600k). Lenders still assess normally and scheme/lender eligibility applies.
Can you get me a rate now?
We’ll prioritise structure, features and approval probability first. Once we align on lenders, we’ll present rate + comparison rate with full disclosures.

Talk to a WA broker today

15-minute eligibility check. No obligation.

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