Let's talk money
Everyone’s journey to owning a home is different
House & land finance can be complex
Your financial situation is unique
Our specialist finance partner Core Finance Co is here to help
Want to get started?
Want to get started?
Take our 2-minute homebuyer quiz.
Let's see how we can help you, on your terms.
Government Assistance
Government Assistance
There is a range of government initiatives to support home buyers and while they are incredibly helpful, they can be confusing.
We will support and guide you through understanding what you might be eligible for, this could include the First Home Owner’s Grant, stamp duty concessions and low deposit schemes.
Renting vs Buying
Maybe your rent payments could cover a home loan? Let’s chat about your options.
Keystart
Keystart
Government lender Keystart is breaking down barriers to homeownership in WA.
With both low deposit loans and shared ownership options, it’s worth a chat with our finance partner to see if it’s right for you.
You don’t need a huge deposit to get started.
As little as $3k* can get you into a Venture In home
Low deposit home loans
Want to own your own home one day? You don't need a huge deposit to get started.
Frequently Asked Questions
What are my loan options?
When it comes to buying a home, it can be overwhelming with all the different loan options available. Everyone’s financial situation and needs are unique, and that’s why finding the right loan is specific to each individual. The experienced team at Core Finance Co will work with you to determine what's best for you based on your personal circumstances and help you find the loan option that meets your specific needs.
View Answer
How much can I afford to borrow?
When it comes to figuring out how much you can borrow, it's important to keep in mind that everyone is different. Each lender has their own specific set of requirements and loan options, so it's crucial to find the right one for you. The team at Core Finance Co will work with you to determine what's best for you and make the process as easy as possible.
View Answer
Who is Keystart?
Keystart is a Western Australian lender that provides home loans to eligible customers who are often unable to meet the requirements of traditional lenders. Keystart offers a variety of different home loans designed to support a range of different customers. It is well known for their low deposit home loan, which offers eligible first homeowners an opportunity to get into their own home with a smaller deposit.
View Answer
What is the Keystart Low Deposit Home Loan?
Keystart’s Low Deposit Home Loan is designed to help first-time home buyers purchase a home with a small deposit. The program allows customers to purchase a home with a as little as 2% deposit, with the ability for eligible customers to use the first home owner grant towards your deposit. The Low Deposit Home Loan also has no lenders mortgage insurance, saving customers thousands of dollars upfront.
View Answer
What is the First Home Owner Grant?
The First Home Owner Grant (FHOG) is an incentive offered by the Western Australian Government to assist first-time homebuyers in purchasing their first home. It is a one-off payment of $10,000 and does not require repayment, providing eligible singles or couples looking to get into homeownership a helping hand. The other good news is that no income limits apply. The grant is designed to help offset the costs associated with purchasing a home and make homeownership more accessible.
View Answer
What do I need to do to qualify for the FHOG?
To be eligible for the First Home Owner Grant (FHOG) in Western Australia, you need to meet be an Australian citizen or an Australian permanent resident, be over 18+ years old, be purchasing your first home as an owner-occupier, and you must not have previously received the grant. Full eligibility is assessed by and determined by the Western Australian Government.
View Answer
What Stamp Duty savings are available for First Home Buyers?
For first home buyers in Western Australia, the State Government also offers those eligible for the First Home Owner Grant a stamp duty concession called First Home Owner Rate (FHOR). This concessional rate of duty can apply to the purchase of your new home, for example your block of land, and provides a significant saving for those eligible.
The exact amount of the concession depends on the value of the property and the date of purchase, with more information available through the Western Australia Department of Treasury and Finance.
View Answer
What is the First Home Guarantee?
The First Home Guarantee (FHBG) is a Government initiative which allows eligible first home buyers to purchase a home with as little as 5% deposit and without the need to pay Lenders Mortgage Insurance (LMI), potentially saving thousands of dollars up front and reducing the time to save a deposit.
View Answer
Who is eligible for First Home Guarantee?
To be eligible for the First Home Guarantee (FHBG), you must be a first home buyer applying as a single or couple, be at least 18+ years old, be an Australian citizen, and earn a maximum of $125,000 for individuals or $200,000 for couples. You must also be intending to be owner-occupier. Participating lenders (banks) are responsible for assessing your overall eligibility.
View Answer
What is the Family Home Guarantee?
The Family Home Guarantee (FHG), is a unique Government initiative designed to assist single parents with dependants purchase a home. Eligible applicants have the advantage of purchasing as property with as little as a 2% deposit, without the need to pay lenders mortgage insurance (LMI), saving you thousands of dollars upfront when compared to a traditional loan and reducing the amount of savings you need. Additionally, you don’t have to be a first home buyer to gain access to this scheme, if you have owned a home before as an individual or as part of a past relationship, you may still be eligible for this loan initiative.
View Answer
Who is eligible for Family Home Guarantee?
To be eligible for the Family Home Guarantee (FHG), you must be a single parent with at least one dependant, applying as a single person, be at least 18+ years old, be an Australian citizen, and earn a maximum of $125,000. You must also be intending to be owner-occupier. Participating lenders (banks) are responsible for assessing your overall eligibility.
View Answer
What is the First Home Super Saver Scheme?
The First Home Super Saver (FHSS) scheme is a Government initiative which provides a unique opportunity for prospective homebuyers to save for a deposit through their superannuation. The scheme allows eligible individuals the opportunity to contribute up to $15,000 in any one financial year, up to a maximum of $50,000. The scheme also allows couples, siblings, or friends to each access their own eligible FHSS contributions to purchase the same property.
View Answer
What are my loan options?
When it comes to buying a home, it can be overwhelming with all the different loan options available. Everyone’s financial situation and needs are unique, and that’s why finding the right loan is specific to each individual. The experienced team at Core Finance Co will work with you to determine what's best for you based on your personal circumstances and help you find the loan option that meets your specific needs.
View Answer
Who is Keystart?
Keystart is a Western Australian lender that provides home loans to eligible customers who are often unable to meet the requirements of traditional lenders. Keystart offers a variety of different home loans designed to support a range of different customers. It is well known for their low deposit home loan, which offers eligible first homeowners an opportunity to get into their own home with a smaller deposit.
View Answer
What is the First Home Owner Grant?
The First Home Owner Grant (FHOG) is an incentive offered by the Western Australian Government to assist first-time homebuyers in purchasing their first home. It is a one-off payment of $10,000 and does not require repayment, providing eligible singles or couples looking to get into homeownership a helping hand. The other good news is that no income limits apply. The grant is designed to help offset the costs associated with purchasing a home and make homeownership more accessible.
View Answer
What Stamp Duty savings are available for First Home Buyers?
For first home buyers in Western Australia, the State Government also offers those eligible for the First Home Owner Grant a stamp duty concession called First Home Owner Rate (FHOR). This concessional rate of duty can apply to the purchase of your new home, for example your block of land, and provides a significant saving for those eligible.
The exact amount of the concession depends on the value of the property and the date of purchase, with more information available through the Western Australia Department of Treasury and Finance.
View Answer
Who is eligible for First Home Guarantee?
To be eligible for the First Home Guarantee (FHBG), you must be a first home buyer applying as a single or couple, be at least 18+ years old, be an Australian citizen, and earn a maximum of $125,000 for individuals or $200,000 for couples. You must also be intending to be owner-occupier. Participating lenders (banks) are responsible for assessing your overall eligibility.
View Answer
Who is eligible for Family Home Guarantee?
To be eligible for the Family Home Guarantee (FHG), you must be a single parent with at least one dependant, applying as a single person, be at least 18+ years old, be an Australian citizen, and earn a maximum of $125,000. You must also be intending to be owner-occupier. Participating lenders (banks) are responsible for assessing your overall eligibility.
View Answer
How much can I afford to borrow?
When it comes to figuring out how much you can borrow, it's important to keep in mind that everyone is different. Each lender has their own specific set of requirements and loan options, so it's crucial to find the right one for you. The team at Core Finance Co will work with you to determine what's best for you and make the process as easy as possible.
View Answer
What is the Keystart Low Deposit Home Loan?
Keystart’s Low Deposit Home Loan is designed to help first-time home buyers purchase a home with a small deposit. The program allows customers to purchase a home with a as little as 2% deposit, with the ability for eligible customers to use the first home owner grant towards your deposit. The Low Deposit Home Loan also has no lenders mortgage insurance, saving customers thousands of dollars upfront.
View Answer
What do I need to do to qualify for the FHOG?
To be eligible for the First Home Owner Grant (FHOG) in Western Australia, you need to meet be an Australian citizen or an Australian permanent resident, be over 18+ years old, be purchasing your first home as an owner-occupier, and you must not have previously received the grant. Full eligibility is assessed by and determined by the Western Australian Government.
View Answer
What is the First Home Guarantee?
The First Home Guarantee (FHBG) is a Government initiative which allows eligible first home buyers to purchase a home with as little as 5% deposit and without the need to pay Lenders Mortgage Insurance (LMI), potentially saving thousands of dollars up front and reducing the time to save a deposit.
View Answer
What is the Family Home Guarantee?
The Family Home Guarantee (FHG), is a unique Government initiative designed to assist single parents with dependants purchase a home. Eligible applicants have the advantage of purchasing as property with as little as a 2% deposit, without the need to pay lenders mortgage insurance (LMI), saving you thousands of dollars upfront when compared to a traditional loan and reducing the amount of savings you need. Additionally, you don’t have to be a first home buyer to gain access to this scheme, if you have owned a home before as an individual or as part of a past relationship, you may still be eligible for this loan initiative.
View Answer
What is the First Home Super Saver Scheme?
The First Home Super Saver (FHSS) scheme is a Government initiative which provides a unique opportunity for prospective homebuyers to save for a deposit through their superannuation. The scheme allows eligible individuals the opportunity to contribute up to $15,000 in any one financial year, up to a maximum of $50,000. The scheme also allows couples, siblings, or friends to each access their own eligible FHSS contributions to purchase the same property.
View Answer
What are my loan options?
When it comes to buying a home, it can be overwhelming with all the different loan options available. Everyone’s financial situation and needs are unique, and that’s why finding the right loan is specific to each individual. The experienced team at Core Finance Co will work with you to determine what's best for you based on your personal circumstances and help you find the loan option that meets your specific needs.
View Answer
What is the Keystart Low Deposit Home Loan?
Keystart’s Low Deposit Home Loan is designed to help first-time home buyers purchase a home with a small deposit. The program allows customers to purchase a home with a as little as 2% deposit, with the ability for eligible customers to use the first home owner grant towards your deposit. The Low Deposit Home Loan also has no lenders mortgage insurance, saving customers thousands of dollars upfront.
View Answer
What Stamp Duty savings are available for First Home Buyers?
For first home buyers in Western Australia, the State Government also offers those eligible for the First Home Owner Grant a stamp duty concession called First Home Owner Rate (FHOR). This concessional rate of duty can apply to the purchase of your new home, for example your block of land, and provides a significant saving for those eligible.
The exact amount of the concession depends on the value of the property and the date of purchase, with more information available through the Western Australia Department of Treasury and Finance.
View Answer
What is the Family Home Guarantee?
The Family Home Guarantee (FHG), is a unique Government initiative designed to assist single parents with dependants purchase a home. Eligible applicants have the advantage of purchasing as property with as little as a 2% deposit, without the need to pay lenders mortgage insurance (LMI), saving you thousands of dollars upfront when compared to a traditional loan and reducing the amount of savings you need. Additionally, you don’t have to be a first home buyer to gain access to this scheme, if you have owned a home before as an individual or as part of a past relationship, you may still be eligible for this loan initiative.
View Answer
How much can I afford to borrow?
When it comes to figuring out how much you can borrow, it's important to keep in mind that everyone is different. Each lender has their own specific set of requirements and loan options, so it's crucial to find the right one for you. The team at Core Finance Co will work with you to determine what's best for you and make the process as easy as possible.
View Answer
What is the First Home Owner Grant?
The First Home Owner Grant (FHOG) is an incentive offered by the Western Australian Government to assist first-time homebuyers in purchasing their first home. It is a one-off payment of $10,000 and does not require repayment, providing eligible singles or couples looking to get into homeownership a helping hand. The other good news is that no income limits apply. The grant is designed to help offset the costs associated with purchasing a home and make homeownership more accessible.
View Answer
What is the First Home Guarantee?
The First Home Guarantee (FHBG) is a Government initiative which allows eligible first home buyers to purchase a home with as little as 5% deposit and without the need to pay Lenders Mortgage Insurance (LMI), potentially saving thousands of dollars up front and reducing the time to save a deposit.
View Answer
Who is eligible for Family Home Guarantee?
To be eligible for the Family Home Guarantee (FHG), you must be a single parent with at least one dependant, applying as a single person, be at least 18+ years old, be an Australian citizen, and earn a maximum of $125,000. You must also be intending to be owner-occupier. Participating lenders (banks) are responsible for assessing your overall eligibility.
View Answer
Who is Keystart?
Keystart is a Western Australian lender that provides home loans to eligible customers who are often unable to meet the requirements of traditional lenders. Keystart offers a variety of different home loans designed to support a range of different customers. It is well known for their low deposit home loan, which offers eligible first homeowners an opportunity to get into their own home with a smaller deposit.
View Answer
What do I need to do to qualify for the FHOG?
To be eligible for the First Home Owner Grant (FHOG) in Western Australia, you need to meet be an Australian citizen or an Australian permanent resident, be over 18+ years old, be purchasing your first home as an owner-occupier, and you must not have previously received the grant. Full eligibility is assessed by and determined by the Western Australian Government.
View Answer
Who is eligible for First Home Guarantee?
To be eligible for the First Home Guarantee (FHBG), you must be a first home buyer applying as a single or couple, be at least 18+ years old, be an Australian citizen, and earn a maximum of $125,000 for individuals or $200,000 for couples. You must also be intending to be owner-occupier. Participating lenders (banks) are responsible for assessing your overall eligibility.
View Answer
What is the First Home Super Saver Scheme?
The First Home Super Saver (FHSS) scheme is a Government initiative which provides a unique opportunity for prospective homebuyers to save for a deposit through their superannuation. The scheme allows eligible individuals the opportunity to contribute up to $15,000 in any one financial year, up to a maximum of $50,000. The scheme also allows couples, siblings, or friends to each access their own eligible FHSS contributions to purchase the same property.
View Answer