First Home Buyer Loans Adelaide | Ignite Financial Solutions
🏠 First Home Buyer Loans

Your First Home Loan, Done Right

We cut through the confusing world of grants, deposits, and lender requirements - and find you the right loan from 40+ lenders. And it costs you nothing.

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Why Use a Broker

More Than Just a Rate

For first home buyers, the right loan structure matters as much as the rate. We look at the whole picture - your deposit, your income, your goals - and match you to the right lender and product.

✓First Home Owner Grant guidance. We confirm your FHOG eligibility and ensure it's applied correctly at settlement.
✓LMI explained clearly. We show you when Lenders Mortgage Insurance applies, how much it costs, and whether it's worth paying.
✓Stamp duty clarity. South Australia's concessions for first home buyers can save thousands. We make sure you claim everything you're entitled to.
✓40+ lender comparison. We compare across the market - not just one bank - and find the rate and features that suit your situation.
✓Pre-approval support. A solid pre-approval gives you confidence to bid at auction. We get it right the first time.
✓Settlement support. We stay with you from application through to the day you get your keys.

First Home Buyer Snapshot

Minimum Deposit (standard)5% + LMI
Minimum Deposit (guarantor)0%
First Home Owner Grant (SA)Up to $15,000
Broker Fee$0
Lenders Compared40+
Time to Pre-Approval2 - 5 business days
The Process

From Renter to Owner - Here's How It Works

We make buying your first home as straightforward as it should be.

1

Free Chat

We discuss your deposit, income, and goals. No obligation - just clarity about what's achievable and what to do next.

2

Compare 40+ Lenders

We find the right rate and product for your situation, explain your options clearly, and get you pre-approved.

3

Application & Approval

We prepare and lodge your application, handle lender queries, and keep you informed at every stage.

4

Settlement Day

We coordinate with your conveyancer, the lender, and the vendor - and hand over when the keys are yours.

Who Can Apply?

First home buyer loans are available to a wide range of applicants. You may be eligible if:

  • You are an Australian citizen or permanent resident
  • You have not previously owned residential property in Australia
  • You have a stable income (PAYG, self-employed, or casual)
  • You have at least a 5% genuine savings deposit (or a guarantor)
  • The property will be your principal place of residence
Common Questions

First Home Buyer FAQs

Standard lenders require at least 5% genuine savings plus costs (stamp duty, legal fees). If your deposit is under 20%, Lenders Mortgage Insurance usually applies - or you can explore a Family Guarantee using a parent's property as security to avoid LMI altogether.

The FHOG in SA provides up to $15,000 for first home buyers purchasing a new home or land to build. Eligibility rules apply - we confirm your entitlement as part of our service.

Yes - many lenders accept casual income if you've been in the same role for 6 - 12 months. Some specialist lenders are even more flexible. We know which lenders suit casual workers and we'll match you accordingly.

With your documents ready, we typically obtain pre-approval within 2 - 5 business days. Formal approval after you've signed a contract usually takes 5 - 10 business days.

No. Our service is completely free to you. We're paid a commission by the lender once your loan settles - there is no cost to you at any stage.

Absolutely. We can move quickly when you've found a property. Get in touch as soon as possible and we'll prioritise your application.

Ready to Get Started?

Talk to an Ignite Broker Today

Whether you're ready to apply or just exploring your options - we're here to help with no obligation.

Book Your Free Consultation

A no-obligation chat with Ali or one of our team. We'll walk through your options and give you a clear picture of what's possible.

✓ No obligation, no pressure
✓ In person or video call
✓ Available evenings & weekends
✓ 100% free service
📅 Book Online - It's Free

Or call 08 8379 3636

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