WA FIRST HOME BUYER SPECIALIST
Your WA First Home Schemes
Navigating government assistance can be complex. I’ll confirm exactly what you qualify for and manage every step of the application process for you.
Stamp Duty Concessions
Save thousands with the first home owner rate of duty concessions available on your home purchase.
First Home Owner Grant
Apply for a $10,000 grant from the WA government when you choose to build or buy a brand new home.
First Home Guarantee
Purchase with as little as a 5% deposit and avoid Lenders Mortgage Insurance (LMI) via federal support.
Keystart Loans
Low-deposit loans from as little as 2% deposit, with no LMI, specifically designed for Western Australians.
Help to Buy Scheme
A shared equity program allowing eligible buyers to purchase with a 2% deposit and government contribution.
Stacking the Schemes
The real secret is stacking these grants and concessions together to minimize your upfront costs. I’ll show you how to combine federal and state support to get into your home sooner.
Disclaimer: Eligibility for government schemes is subject to terms, conditions, and income limits. Grants and concessions are subject to legislative changes. Please consult a qualified finance professional for personalized advice.
Regulatory Compliance & Standards
Licensing Standards
Operating under Australian Credit Licence 384704, ensuring all mortgage advice meets strict national regulatory requirements for consumer protection.
Privacy Protocols
Your personal information is handled in line with the Privacy Act 1988 and the Australian Privacy Principles. I only share it with the lenders, government scheme administrators and service providers needed to arrange your loan, and only with your consent. You can ask to see or correct the information I hold about you at any time.
Best Interest Duty
Legal obligation to act in your best interest. I compare hundreds of products from over 30 lenders to find the one that fits your goals, not mine.
FEDERAL EQUITY SUPPORT
The Help to Buy Scheme: Shared Equity for Your First Home
The Federal Help to Buy Scheme is a shared equity program designed to help low and middle-income earners purchase a home with a significantly smaller mortgage. The government provides an equity contribution of up to 40%, meaning you only need a 2% deposit and a smaller loan.
Key Eligibility Points
- Income limits apply ($103k for individuals, $165k for couples)
- Must be an Australian citizen and at least 18 years old
- Must have a minimum 2% deposit of the property purchase price
- You must live in the property as your principal place of residence
- Property price caps apply based on your WA location
How I Help You Use It
I navigate the shared equity landscape for you. I'll assess your income and savings against the daily updated federal criteria, handle the complex application paperwork, and ensure this scheme stacks correctly with your WA First Home Owner Grant and stamp duty concessions.
Note: The Help to Buy Scheme is subject to federal legislation and availability of places. Participation involves the government holding an equity interest in your home. Consult with Ian to understand the full long-term financial implications.