Your first front door.
What you'll need on the day, what you won't have to pay, and two loans compared on your numbers.
The cash you'll need.
What will you need upfront?
Stamp duty uses NSW's 2025–26 rates and the first home buyer exemption to $800,000 and concession to $1,000,000; confirm with Revenue NSW. Mortgage insurance is a rough guide. The 5% Deposit Scheme's price cap depends on where you buy.
The 5% Deposit Scheme lets first home buyers buy with 5% down and no mortgage insurance, under the price cap for the area. Since 1 October 2025 there are no income caps and no limit on places. Single parents can buy with 2%.
NSW stamp duty: none on homes to $800,000 and less up to $1,000,000 for first home buyers who move in within 12 months and live there at least 12 months.
Mortgage insurance protects the lender, not you. Above 80% it's usually added to your loan, unless the Scheme or another exemption applies.
Two loans, your numbers.
Following the loan from your deposit above.
Compare two loans
On over 30 yearsBasic variable
No ongoing fees, no offset account
a monthPackage with offset
$395 a year, 100% offset account
a month*The comparison rate is based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Let's light the way home.
Thirty minutes, by phone or at our office, at no cost. Bring your questions; we'll bring the numbers.