First Home Buyer · Perth

First Home Buyer Help in Perth.

Buying your first home in Perth gets a lot simpler with the right help. We line up the WA First Home Owner Grant, stamp duty concessions, Keystart low-deposit loans and the federal First Home Guarantee, work out which you qualify for, and guide you from pre-approval to settlement. Most clients pay no fee.

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$1.2B+ settled
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since 2015
Osborne Park

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ACL 497 950 MFAA Member Keystart accredited

Local expertise

First home buyer specialists in Perth.

First home buyers are not an afterthought at CLS, they are a speciality. Brokers Aoife Farrell and Keeley Rodgers guide first-time buyers through every step, from working out a realistic deposit to lodging the grant paperwork. Aoife won the Bankwest Best Newcomer award in 2020/2021 and is active in the Perth Irish community.

We know where first home buyers actually buy in Perth, suburbs like Joondalup and Stirling in the north, where a $720K to $850K median keeps a first home within reach. We match you to the right grant, the right scheme and the right lender so your deposit goes as far as it can.

Most importantly, we explain it in plain English. The grants and schemes overlap and the rules change, so we confirm the current figures, tell you exactly what you qualify for, and line everything up together so nothing falls through the cracks before settlement.

The help available

What grants and schemes can Perth first home buyers use?

Perth first home buyers may be able to stack several forms of help. The WA First Home Owner Grant supports new homes, stamp duty concessions cut your upfront costs, Keystart offers low-deposit loans, and the federal First Home Guarantee lets eligible buyers in with as little as a 5 percent deposit and no LMI.

First home buyer schemes compared
Scheme	What it does	Who runs it	Key limits
First Home Owner Grant (WA)	One-off grant towards a new home	WA Government	Property value cap and new-home rules apply [TBC current amount & caps]
WA stamp duty concession	Reduced or nil transfer duty for first homes	WA Government	Value thresholds apply [TBC 2026 thresholds]
Keystart low-deposit loan	Buy with a small deposit, no LMI	WA Government lender	Income and property price limits [TBC current limits]
First Home Guarantee	Buy with as little as 5% deposit, no LMI	Australian Government	Limited places, income & property caps [TBC current caps]

Grant amounts, thresholds and eligibility are set by government and change over time. We confirm the current figures with you before you commit. This is general information, not credit assistance.

Step by step

What are the first home buyer steps in Perth?

Buying your first home follows a clear path. We walk it with you so you always know what is next and what it costs, from the first conversation to the keys in your hand.

Book a free chat and work out a realistic budget and deposit.
We confirm which grants and schemes you qualify for, including FHOG, Keystart and the First Home Guarantee.
We compare 30-plus lenders and arrange your pre-approval.
You shop with confidence, knowing exactly what you can offer.
We lodge the full application and any grant paperwork, then manage settlement to the keys.

Run the numbers

What can you afford as a first home buyer?

Check your Keystart eligibility, borrowing power and WA stamp duty in seconds, then book a free chat.

Keystart

Keystart eligibility

Check if you qualify for a low-deposit Keystart home loan with no LMI.

Check eligibility → Borrowing power

Borrowing power calculator

Get an indicative maximum loan based on your income and expenses.

Estimate now → WA stamp duty

Stamp duty calculator WA

Estimate your transfer duty and any first home buyer concession.

Calculate →

Straight answer

Does first home buyer help cost anything through a broker?

Most first home buyers pay Central Lending Solutions no fee. The lender pays the broker a commission when your loan settles, so our service is free to most borrowers. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest.

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Common questions

Perth first home buyer FAQs.

What help is available for first home buyers in Perth?

Perth first home buyers may access the WA First Home Owner Grant, stamp duty concessions for first homes, Keystart low-deposit loans, and the federal First Home Guarantee, which can let you buy with a smaller deposit and no LMI. We work out which you qualify for and line them up together.

What is the First Home Owner Grant in WA?

The WA First Home Owner Grant (FHOG) is a one-off government payment to eligible first home buyers building or buying a new home. Eligibility, the grant amount and property value caps are set by the WA Government and change over time, so we confirm the current figures with you before you commit.

What is Keystart and how does it help first home buyers?

Keystart is the Western Australian government lender. Its low-deposit home loans let eligible buyers purchase with a small deposit and no lenders mortgage insurance, subject to income and property price limits. It is a strong option for Perth first home buyers who are short on deposit but can manage repayments.

What is the First Home Guarantee?

The First Home Guarantee is a federal scheme that lets eligible first home buyers purchase with as little as a 5 percent deposit without paying lenders mortgage insurance, because the government guarantees part of the loan. Places are limited each year and income and property caps apply, which we confirm for you.

How much deposit do first home buyers need in Perth?

It depends on the loan. A standard loan usually wants around 20 percent to avoid lenders mortgage insurance, but Keystart and the First Home Guarantee can let eligible Perth buyers in with far less. We work out the smallest sensible deposit for your situation and what each path costs.

Does first home buyer help cost anything through a broker?

Most first home buyers pay Central Lending Solutions no fee. The lender pays the broker a commission when your loan settles. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest, not the lender's.

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