Buying Your First Home Feels Overwhelming?
Let's Find Every Grant and Scheme You Qualify For.
- $20,000 to $40,000+ in grants often goes unclaimed: first home owner grants and stamp duty concessions, mapped to your income, your state, and your price.
- You may need as little as a 5% deposit: the First Home Guarantee lets eligible buyers skip LMI entirely, often sooner than they expected.
- Find out what you can actually borrow: HECS, casual or variable income, and a partner's pay assessed across 40+ lenders to find your real number.
- No jargon, no pressure, no silly questions: every grant, rule, and number explained in plain English so you finally understand where you stand.
- See exactly where you stand. No obligation, no credit impact. You'll leave knowing your real deposit target and which grants you qualify for.
See What You Can Borrow and Which Grants You Qualify For
No obligation and no credit impact.
Accredited to Compare 40+ Leading Lenders
First Home Buyer Grants and Schemes, Mapped to
Your Exact Situation
Every Grant and Concession That Applies in Your State
NSW, VIC, QLD, WA, and SA each have different grants, price caps, and stamp duty rules, and most first home buyers claim one and miss two. Matthew maps every entitlement to your exact state, income, and purchase price before a single form is lodged. You walk away knowing every dollar you can actually claim.
You May Need as Little as a 5% Deposit
Most first home buyers save toward a 20% deposit because that is the figure a bank quoted them, then end up putting their plans on hold for years. But with the First Home Guarantee, eligible buyers may be able to secure a first home buyer home loan with as little as a 5% deposit and no LMI to pay. That could bring your move-in date forward by years, not months.
Use Your Super to Build Your Deposit Faster
Most first home buyers save their deposit in a regular bank account and never hear about the one scheme built to help them do it faster. The First Home Super Saver Scheme lets eligible buyers save toward a deposit inside super, in a more tax-effective way, then withdraw it when they buy. Used right, it can mean a bigger deposit, sooner, and Matthew will tell you whether it fits you.
Know What You Can Borrow Before You Start Looking
The fear of being told you cannot borrow enough stops a lot of first-timers before they even begin. HECS, casual or variable hours, and a partner's income are assessed differently by every lender, and the wrong fit can quietly cost you in borrowing power. Matthew finds the lenders that read your situation most generously, so you know your real borrowing capacity upfront.
Buy Sooner with a
Family Guarantee
If saving a full deposit feels impossible, a parent's property equity can help you buy now without them lending you a single cent. A guarantor structure can let you borrow up to 100% and skip LMI entirely, set up to protect everyone involved. You get into the market years earlier, and your guarantor is released once you have built enough equity.
A First Home Specialist in Your Corner, Start to Finish
Most first home buyers get routed to a call centre or a banker who can only sell one lender's products, and may not even offer the scheme you qualify for. Matthew compares 40+ lenders, including specialists the major banks do not advertise, and picks the one that maximises your borrowing while locking in every entitlement. Every question is welcome, nothing is rushed, and the whole service costs you nothing.
Securing Your First Home Loan Is This Simple
See What You Qualify For
It starts with a no-pressure chat about where you’re at, with no paperwork and no credit check involved. We’ll look at your income, savings, any HECS or other debts, and the grants and schemes you could be eligible for. You’ll walk away with a clear picture of your real deposit target, what you can borrow, and which first home buyer mortgage options may suit you, before a single application is submitted.
We Find the Right Loan for You
Once you’re ready, we compare 40+ lenders to find the one that assesses your income most generously and genuinely suits a first home buyer. We know which lenders accept smaller deposits, waive LMI under the First Home Guarantee, and won’t let a grant deadline catch you out. You focus on finding the right home while we handle the lender side.
Settled and Ready for What's Next
We manage the paperwork, the lender, your conveyancer, and the agent through to settlement on your first home mortgage, so the keys land in your hand on time. After you move in, we keep an eye on your rate and check in as your life changes, from your first review to your next purchase. You settle into your first home. We keep your loan working in your favour.
What Our First Home Buyers Say
First home buyers who came to us overwhelmed and unsure where to start, and left with the keys and the grants they qualified for.
KA
Kendall Albury
Verified Google Review
I received Matt's details as a recommended mortgage broker from TrustedFinance on TikTok. My husband was skeptical, but after our first conversation with Matt we agreed he was the man to help us purchase our first home. We spoke with Matt about where we were at and our plan to access the First Home Owners Grant, and he advised us exactly what we needed and when. As first time buyers we were very nervous about getting all the paperwork right, and Matt and Joyce reassured us through every single step. We definitely wouldn't have ended up with our home had it not been for him!
CN
Caitlin Nolland
Verified Google Review
Matt walked us through the whole process of buying our first house. Matt was fantastic and we couldn't have asked for more! Matt explained everything to us along the way and eased a lot of stress and anxiety! We cannot thank Matt and the team enough for all their support and expertise.
JL
Janelle Loke
Verified Google Review
Matt and his team were extremely professional and very on top of things. I was a first home buyer and was anxious about the house buying process. Matt and his team were with me every step of the way and everything was handled very smoothly. Would highly recommend them as a broker!
TB
Tylah Blunden
Verified Google Review
Matthew and the team were instrumental in securing our first home. My partner and I had zero knowledge of the process and heavily leant on Matthew. Matt maintained a constant line of communication with no jargon to confuse us and always took the time to explain things further when needed. I would highly recommend Matt if you are looking for a mortgage broker that is honest, compassionate and hard working.
DA
Dayna Amaru
Verified Google Review
My experience with Matthew Hayes has been straight forward, no muck around and always available to answer any questions or explain things you don't understand! Matt worked hard to get my home loan formally approved and it feels surreal! It took me 3 brokers to get to the right one who knows their stuff. Dreams are starting to come true and I couldn't have done this without your help. Highly recommend!
SS
Steffan Sapuppo
Verified Google Review
Matthew and his team were so easy to deal with, they made the whole process of buying my first home so easy. Would recommend them to everyone looking to purchase a property. Can't fault them.
AC
Olivia Ciampi
Verified Google Review
Thank you to Matthew and his team for all their help during the process of buying our first home. Matthew kept us fully informed and made sure we were able to access the schemes available. He responded to every phone call or email so quickly and showed great patience whilst we got all our ducks in a row. Without your expert guidance, we would have missed our window of opportunity to access the scheme and get into the market. We will be forever grateful.
NW
Nikita Witter
Verified Google Review
We worked with Jack on a super tight deadline of getting a home loan before the financial year ended, as we wanted to qualify for the first home buyer grants. Not only did Jack come through and work the miracle, he was upfront and honest about why we would be best going with certain lenders over others. Once we found a home, he hustled to get full approval sorted before our cooling off period ended so we had peace of mind going into settlement. So glad we found someone this savvy.
HE
Hayley Egan
Verified Google Review
Matt and his team were fantastic and we are so grateful for the service they provided. Being first time home buyers, we had so many questions about the process, but with Matt guiding us, all our questions were answered, we had peace of mind and he made the process so easy.
We Guide Nervous First Home Buyers from Overwhelmed to Holding the Keys
Most first home buyers get handed to a call centre or a bank that only offers its own products, then left to decode grants, deposits, and fine print alone. That is where people give up too early or miss a scheme they qualified for. Matthew Hayes has spent over 10 years as a first home mortgage broker, guiding more than a thousand buyers to settlement, and built Hayes Financial to turn a confusing first home buyer mortgage into clear steps you actually understand.
Whether you have a small deposit, a HECS debt, variable income, or you’re buying with a partner or a family guarantor, there’s almost always a path to your first time buyer mortgage. As your broker, Matthew can help compare the right home loan first home buyer options for your situation. And because brokers are paid by the lender, not you, the entire service is completely free.
Why First Home Buyers Choose Hayes Financial
First Home Buyers Are What We Do Best
Guiding first-timers through grants, low deposits, and first time buyer mortgage options is what we do most days, so very little about your situation will catch us off guard.
40+ Lenders, Including Low-Deposit Options
Your situation is compared across 40+ lenders, including those that accept smaller deposits and assess casual or variable income generously, so you get a loan that actually fits rather than whatever one bank offers.
Plain English, Every Step of the Way
Every term, number, and decision gets explained without jargon, and no question is ever too small, so you always understand exactly what you're signing and why.
Grants and Schemes Handled for You
From the First Home Owner Grant to the First Home Guarantee and stamp duty concessions, we identify what you qualify for and handle the applications, so you never leave money on the table.
Free, With No Pressure to Start
Your first conversation costs nothing, carries no obligation, and never touches your credit file, so you can understand your first home buyer mortgage options and find out exactly where you stand without committing to anything before you’re ready.
123 Five-Star Reviews from Buyers Like You
Our reputation is built on real first home buyers who walked in overwhelmed and unsure, and walked out with the keys, the grants they qualified for, and a broker they'll call again.
Frequently Asked Questions
Will talking to you affect my credit score?
No. An initial chat and assessment involves no credit check, so your credit file is never touched. We only submit an application, with your go-ahead, once we’ve found the right lender and you’re ready, so you can find out where you stand at zero risk.
What deposit do I actually need to buy my first home?
Often far less than the 20% most people assume. Through the First Home Guarantee, eligible first home buyers can buy with as little as a 5% deposit and pay no LMI, and a family guarantor can reduce that further. We’ll calculate your real deposit target based on the price range and the grants that apply to you.
Which government grants and schemes can I actually get?
You may be eligible for several. Depending on your income, the property price, and the state you’re buying in, that can include the First Home Owner Grant, the First Home Guarantee, and stamp duty concessions. We map every one against your circumstances so you claim everything you’re entitled to.
How much does it cost to use you?
Nothing. Brokers are paid a commission by the lender, not by you, and it doesn’t change your interest rate, so the service is completely free. You get expert guidance from your first chat all the way to settlement at no cost.
Why not just go straight to my own bank?
Because your bank can only offer its own products and judges you against its own single set of rules. A first home specialist compares 40+ lenders to find the first home buyer mortgage that lets you borrow more, get in with a smaller deposit, or get approved where one bank said no. You get the whole market working for you instead of a single option.
Hayes Financial Group
25 Murray Cres, Manuka ACT 2603, Australia
HAYES FINANCIAL GROUP PTY LTD (ABN 27 625 818 064 / Australian Credit Representative 509684) is a credit representative of Mortgage Choice Pty Limited (ACN 009 161 979 / Australian Credit Licence 382869)
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