✦ First Home Buyers

Your first home, done right.

We guide first home buyers through every step - from understanding your borrowing power to settlement day - with zero broker fees and zero jargon.

Buying your first home is one of the biggest financial decisions you'll ever make. The Australian property market can feel overwhelming, but with the right guidance, it doesn't have to be. StepUp Wealth specialises in helping first home buyers navigate the process with confidence - comparing 40+ lenders, accessing government grants, and making sure you understand every step before you sign anything.

What We Offer

How we help you succeed

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Borrowing Power Assessment

We calculate exactly how much you can borrow based on your income, expenses, and deposit - so you can search with confidence.

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Government Grant Guidance

We identify every grant and scheme you're eligible for - First Home Owner Grant, First Home Guarantee, stamp duty concessions, and more.

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40+ Lenders Compared

We search across our full lender panel to find the most competitive rate and loan structure for your situation - not just the big four.

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Full Application Support

We handle all the paperwork, liaise with the lender, and keep you updated at every stage - from pre-approval to settlement.

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Education First

We explain every feature, fee, and clause in plain English - so you always know what you're agreeing to and why.

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Ongoing Support

Our relationship doesn't end at settlement. We're here to review your loan annually and ensure you're always on a competitive rate.

The Process

How it works, step by step

Free Strategy Call

Tell us about your goals, income, and deposit. We'll assess your borrowing power and outline your options - no obligation.

Lender Search & Pre-Approval

We compare 40+ lenders and submit your pre-approval application to the best fit. Most pre-approvals come back within 48–72 hours.

Property Search & Formal Approval

Once you find a property, we convert your pre-approval to formal approval and manage the process through to settlement.

FAQ

Common questions answered

Typically 5–20% of the property value. With less than 20%, you'll usually pay Lenders Mortgage Insurance (LMI) - unless you qualify for the First Home Guarantee, which allows eligible buyers to purchase with just 5% deposit and no LMI.

The FHOG is a state government grant available to eligible first home buyers purchasing or building a new home. The amount varies by state - typically $10,000–$30,000. We'll confirm exactly what you're eligible for during your strategy call.

Pre-approval is a conditional indication from a lender of how much they're willing to lend you - it gives you confidence to make offers. Formal approval is granted once you've found a specific property and the lender has fully assessed the loan.

Yes - you'll need a licensed conveyancer or property solicitor to handle the legal transfer of ownership. We can recommend trusted professionals in your state if needed.

From initial enquiry to settlement typically takes 6–10 weeks, depending on the lender, property type, and how quickly documents are provided. We'll give you a realistic timeline at your strategy call.

Also Available

Explore our other services

Ready to get started?

Book a free, no-obligation strategy call. We'll review your situation and map out the best path forward.

No credit check. No obligation. 100% online.