FHOG Loans
Buying your first home is an exciting milestone, and the First Home Owners Grant (FHOG) can make it more achievable. We help first home buyers understand their eligibility, maximise available incentives, and structure a loan that fits their budget and long-term goals. With access to a wide range of lenders, we will guide you through your options and simplify the process. Our goal is to help you step into your first home with confidence.
The First Home Owners Grant can provide a valuable financial boost, but understanding how it applies to your situation is key. We help you navigate the eligibility requirements, explain how the grant works alongside your loan, and ensure you’re making the most of the support available.
Choosing the right loan is just as important as accessing the grant. We work with lenders who offer competitive options for first home buyers, helping you balance affordability, flexibility, and long-term value. Every recommendation is tailored to your financial position and future plans.
From application through to approval, we manage the process and keep everything on track. You will have clear guidance at every step, so you can focus on finding the right home while knowing your finance is structured the right way.
Ready to take your first step into home ownership? Let’s explore your options and make the most of the support available to you.
Our Strategy
Our strategy is all about getting results, that are fast, clear, and tailored to you. From your first consultation to loan approval and funding, we handle the details so you don’t have to. You’ll have expert guidance at every step, with options explained in plain language and a plan that works for your goals. The result? A smooth, stress-free process that puts you in the best position to move forward with confidence.
01
Free Consultation
We start with a no-obligation conversation about your property plans, financial situation, and loan needs. This allows us to understand your goals fully.
02
Loan Assessment & Options
We analyse your finances, discuss lender options, and explain which loans suit your situation. We ensure you understand the terms, interest rates, and repayment options.
03
Application Submission
We manage the paperwork, liaise with lenders, and keep you informed at every stage, making the process as seamless as possible.
04
Approval, Funding & Settlement
Once your loan is approved, We guide you through funding, settlement and provide any additional advice to ensure your project runs smoothly.
FHOG Loans FAQ's
If you wish to find out about some of our other Loans, please click here to see our Loans service Page.
I’ve just moved to Australia and have no local credit record. Can I get a loan?
We understand that a lack of local credit history shouldn't stop you from buying a home. By leveraging your residency status and global financial standing, we identify lenders who take a holistic view of your situation to help you secure a mortgage.
What is the First Home Owner Grant (FHOG)?
The First Home Owner Grant is a government initiative designed to help eligible clients purchase or build their first property sooner. In Western Australia, the government provides a $10,000 grant for those buying or building a new home. We assist clients in determining their eligibility and managing the application process to ensure they access the government support available for their first home.
Am I eligible for the First Home Owner Grant (FHOG)?
Eligibility in Western Australia generally requires the property to be a newly built or buy off-the-plan, for the use as a principal place of residence. We help clients confirm they meet the following core requirements:
- Residency & Age: At least one applicant must be an Australian citizen or permanent resident and at least 18 years old.
- Ownership History: Applicants must not have previously owned a home in Australia or received a FHOG in any state.
- Entity Type: The home must be purchased by individuals, not a company or trust.
- Occupancy: At least one applicant must live in the home for a continuous six-month period within the first year of settlement.
We personally review each client’s situation to ensure all supporting documentation is submitted correctly and within the required 12-month timeframe.
Western Australian Government First Home Owner Grant Portal.
Can a client receive the FHOG if they are buying an existing (established) home?
In Western Australia, the $10,000 grant is specifically reserved for newly built homes or those being built. If a client is purchasing an established (existing) property, they will not be eligible for the cash grant; however, we can check if you still qualify for substantial Stamp Duty concessions, which can save you thousands of dollars upfront.
Does a "de facto" partner’s past home ownership affect eligibility?
Yes. If a client’s partner (spouse or de facto) has previously owned a home in Australia or received a FHOG, the client is generally ineligible for the grant. We will review the history of both applicants to ensure there are no "hidden" disqualifications before submitting the application to the Office of State Revenue.
What happens if a client moves out of the home before the six-month residency requirement?
If a client fails to live in the property as their principal place of residence for at least six continuous months within the first year, they may be required to repay the grant. We will ensure all clients understand these strict residency obligations to avoid future penalties or demands for repayment from the government.
Can the FHOG be used as part of the initial deposit for the loan?
This depends on the lender. While the grant is government-funded, some lenders allow us to use the anticipated $10,000 as part of the client’s "genuine savings" or towards the final settlement costs. We identify specific lenders whose policies are "first-home buyer friendly" to help clients bridge the gap to their deposit goals.