Check the money first
Start with borrowing capacity, deposit, savings history, living expenses, debts, credit conduct and repayment comfort.
- Borrowing power estimate
- Deposit and genuine savings position
- Repayment comfort and buffer conversation
First home buyer guide
First home buyer checklist before you make an offer.
Buying a first home becomes easier when the lending side is clear before the property search gets emotional. This checklist helps you understand the numbers, documents and lender questions that matter early.
Know the purchase costs
The deposit is not the only number. Stamp duty, conveyancing, inspections, government fees, lender costs and LMI can affect the pathway.
- Purchase cost estimate
- First-home grant or concession check
- LMI and low-deposit pathway review
Prepare before pre-approval
A cleaner file can create a smoother lender conversation and reduce last-minute stress.
- Payslips or income evidence
- Bank statements and savings history
- ID, liabilities and property search budget
Next step
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Guide FAQs
Quick answers before the lending conversation.
These answers are general information only and should be checked against your personal lending situation.
What should first home buyers do before looking at property?
First home buyers should check borrowing capacity, deposit, upfront costs, repayment comfort and lender fit before making offers or signing contracts.
Is pre-approval useful for a first home buyer?
Pre-approval can be useful when the lender pathway is suitable and the buyer wants clearer confidence before making an offer. It is still subject to lender conditions and property assessment.