Welcome to Flint đź‘‹ We're here to help you buy your first home!
See what you can borrow in just 60 seconds—real rates from 15 lenders, with no personal info needed until you’re ready to chat.
Zero obligation, Free consultationÂ
OUR LENDERS
Flint is an award-winning, independent brokerage that has helped thousands of Australians buy their first home.
- 🏆 Best Residential Broker Australia 2021 - 2024
- 🏆 Australian Broker of the Year 2021 - 2023
- 🏆 Leading Finance Brokerage 2024
Zero obligation, Free consultationÂ
Here's how we will help you buy your first home.
1
Understand your borrowing power
Build your budget
We help you determine how much you can borrow, creating a budget that aligns with your financial situation and homeownership goals.
2
Get pre-approved early
Be ready to act quickly
With pre-approval in hand, you’ll be able to confidently make offers on your dream home as soon as it’s available.Â
3
Navigate the home buying process
Avoid costly mistakes
We provide expert guidance to help you make informed decisions, avoiding common pitfalls along the way.Â
4
Access grants
and schemes
Maximise your benefits
We ensure you unlock all available government grants, schemes and potential stamp duty exemptions, helping you save thousands.
5
Close the deal seamlessly
We handle all the details
From pre-approval to settlement, we manage every step, so you can focus on moving into your new home.
Take the first step – Let’s find out how much you can borrowing by completing the online assessment.
Complete your 60-second assessment with our not-so-standard calculator
Our calculator uses real-time rates and policies from over 15 lenders to give you an accurate estimate of your borrowing power and the potential costs of your loan in 60 seconds.
Be prepared when it counts the most!
- 🏆 Australia's #1 Independent brokerage
Not All Pre-Approvals Are Equal – Are You Truly Ready to Buy?
We know buying your first home can be overwhelming, especially in a competitive market. That’s why having a solid pre-approval can make all the difference.Â
Â
With Flint’s expert support, you’ll have the confidence to act quickly when you find your dream home. Sellers prefer buyers who are ready, and with your pre-approval in hand, you’ll stand out from the crowd. We’re here to guide you every step of the way, making sure you’re prepared to move forward when the time is right.
Zero obligation, Free consultation
We've helped thousands
buy their first home
Our team has a proven track record of helping first-time buyers navigate every obstacle in the home-buying process. We’ve saved our clients thousands by securing the right loans, avoiding unnecessary fees, and maximizing grant opportunities.Â
Frequently Asked Questions
What government grants and schemes are available for first-home buyers?
First-home buyers in Australia may be eligible for several government initiatives, such as the First Home Owner Grant (FHOG), the First Home Guarantee (FHBG), and the First Home Super Saver Scheme (FHSSS). These programs offer financial assistance and incentives to help individuals enter the property market.
How much deposit do I need to purchase my first home?
Traditionally, a 20% deposit is required to avoid Lenders Mortgage Insurance (LMI). However, under certain government schemes like the First Home Guarantee, eligible buyers can purchase a home with a deposit as low as 5%.
What additional costs should I consider beyond the purchase price?
Beyond the purchase price, first-home buyers should budget for expenses such as stamp duty, legal fees, building and pest inspections, and moving costs. It’s crucial to factor these into your overall budget to avoid unexpected financial strain.
How do I determine my borrowing capacity?
Your borrowing capacity depends on factors like your income, existing debts, and credit history. Utilizing online calculators can provide an estimate, but consulting with a mortgage broker or lender offers a more accurate assessment tailored to your circumstances.
Is it better to buy a new or established home for my first purchase?
The decision between purchasing a new or established home hinges on personal preferences, budget, and long-term goals. New homes may come with benefits like modern amenities and lower maintenance costs, while established homes might offer more character and potential for renovation.
Can I purchase a property with someone else, and what are the implications?
Yes, co-purchasing a property is an option and can enhance borrowing capacity. However, it’s essential to understand the legal and financial implications, including the structure of ownership and potential impact on future financial decisions.
Does Flint service all of Australia?
Yes, we help clients across the whole country. No matter where you’re located, Flint’s expert brokers are here to guide you through the home-buying process.
If you have any additional questions, you can send or email us at hello@flintgroup.au
What government grants and schemes are available for first-home buyers?
First-home buyers in Australia may be eligible for several government initiatives, such as the First Home Owner Grant (FHOG), the First Home Guarantee (FHBG), and the First Home Super Saver Scheme (FHSSS). These programs offer financial assistance and incentives to help individuals enter the property market.
How much deposit do I need to purchase my first home?
Traditionally, a 20% deposit is required to avoid Lenders Mortgage Insurance (LMI). However, under certain government schemes like the First Home Guarantee, eligible buyers can purchase a home with a deposit as low as 5%.
What additional costs should I consider beyond the purchase price?
Beyond the purchase price, first-home buyers should budget for expenses such as stamp duty, legal fees, building and pest inspections, and moving costs. It’s crucial to factor these into your overall budget to avoid unexpected financial strain.
How do I determine my borrowing capacity?
Your borrowing capacity depends on factors like your income, existing debts, and credit history. Utilizing online calculators can provide an estimate, but consulting with a mortgage broker or lender offers a more accurate assessment tailored to your circumstances.
Is it better to buy a new or established home for my first purchase?
The decision between purchasing a new or established home hinges on personal preferences, budget, and long-term goals. New homes may come with benefits like modern amenities and lower maintenance costs, while established homes might offer more character and potential for renovation.
Can I purchase a property with someone else, and what are the implications?
Yes, co-purchasing a property is an option and can enhance borrowing capacity. However, it’s essential to understand the legal and financial implications, including the structure of ownership and potential impact on future financial decisions.
Does Flint service all of Australia?
Yes, we help clients across the whole country. No matter where you’re located, Flint’s expert brokers are here to guide you through the home-buying process.
