Sydney's Leading First-Time Loan Service
Purchasing your first home is a milestone moment, and becoming a first-time homeowner is an exciting time in your life. It can also be scary because there is so much you need to do in preparation. You need to make sure you are financially ready, get the paperwork in order, find a home and get a first time home buyer’s mortgage.
At Wealthy You, we offer a wide array of products and services for first-time home buyers, helping you to simplify getting a mortgage and purchasing your first home. Similar to other more traditional mortgage products, a first-time buyer’s mortgage is available with as little as 5% down.
First-time homebuyer incentives, including the home owner grant, are provided by the Federal government to make homeownership more affordable. This first home owners grant offers opportunities for individuals purchasing their first home to receive financial assistance. Alternative options such as using Self-Managed Super Funds (SMSFs) for the down payment and taking advantage of tax breaks are available. With the first home owners grant, home buyers have the flexibility to explore different pathways to achieve their goal of homeownership.
Since we know first-time home buyers are commonly in need of good advice, we provide you with more than just competitive interest rates. We offer free legal consultation and direct access to real estate professionals in your area to assist you on your path to becoming a homeowner. At Wealthy You, we are committed to supporting first-time home buyers throughout their home-buying journey.
How do mortgages work for first time buyers?
At Wealthy You, we specialise in mortgages for first time buyers, providing financing solutions for purchasing your first home. As one of the best mortgage brokers in Sydney, we will guide you through the process, starting with the down payment, which is a percentage of the home's purchase price. Our team assists with the mortgage application, evaluating your financial information and credit score.
If approved, we provide clear mortgage terms, including the interest rate and repayment period. You make monthly payments that cover the borrowed principal amount and interest. We emphasise the importance of comparing home loans, considering closing costs, and seeking professional advice for a smooth process. Contact us today for personalised assistance on your path to homeownership.
Apply for a Home Buyers Mortgage today!
Getting approved has never been easier. Just fill in a few details in the form below and we will get in touch with you to discuss your First Time Home Buyer Mortgage options today.
A First Time Mortgage for all situations regardless of debt, income, or credit score.
Access the Government Super Saver Deposit Scheme
For most home buyers, coming up with a down payment for purchasing is the hardest part of buying a home. Wealthy You offers a five percent down mortgage solution for those home buyers with an excellent credit score and a stable income. We also understand that Self Employed and New Immigrant borrowers contribute largely to this leading group of buyers; that’s why Wealthy You is helping self employed borrowers and newcomers to Australia realize their homeownership dreams.
We offer solutions for first time home buyers in all situations, and our mortgage products are designed to help you, regardless of your financial situation. We can help you with your first time home buyer’s tax credit, land transfer tax rebates, and help you convert and use your SMSFs for your mortgage down payment. We can also help you get cash back mortgages if you are planning on doing some work in your home, and help you become eligible for purchase, refinance, and equity release options. Our goal is to help you become a first-time homeowner and get the mortgage that is right for you, as quickly and simply as possible. Our team is dedicated to assisting you in the home loan process with comparing home loans and understanding the available incentives to find the right mortgage solutions for your specific needs. Understanding principal and interest is key to finding the right mortgage for you. Let us guide you on your journey to homeownership.
Contact Wealthy You today to learn more about the best mortgages for first time buyers and how we can assist you in purchasing your first home. Take the first step towards homeownership with confidence and let us help you make your dream a reality.
A Snapshot of What You Can Save
with Wealthy You
| CURRENT MORTGAGE | REFINANCE MORTGAGE |
| Home Worth $800,000 | Home Worth $800,000 |
| Current Interest Rate 3.5% | Current Interest Rate 1.8% |
| Current Payment $2,245 | Current Payment $1,798 |
| Car Payment @ 10% interest | Car Payment @ 10% interest |
| Credit Card @ 20% interest | Credit Card @ 20% interest |
| Store Cards @ 28% interest | Store Cards @ 28% interest |
| $500,000 Mortgage $2,245/month | $500,000 Mortgage $1,798/month |
| $25,000 Loan Payment $500/month | $25,000 Loan Payment Paid |
| $25,000 Credit Cards $850/month | $25,000 Credit Cards Paid |
| TOTAL > $3,595/month | TOTAL > $1,798/month |
You Save $1,797/month!!!
Get ready to fund your family's future through valuable mortgage solutions.
In our combined experience of more than a decade, we have helped homeowners in Sydney achieve their financial goals, particularly through mortgages for first-time buyers, interest rates, through first time home buyer mortgage financing and other mortgage solutions. Our greatest supporters and endorsers are our valued customers, who we owe our success to.
Our mortgage professionals greatly appreciate your business and are more than willing to help you secure the best first time home buyer mortgages and other financial solutions. If at any time you have questions about a First Time Home Buyer Mortgage, please don’t hesitate to contact us.
Cost Savings
$10 Million+
New clients
25 / month
Lender Network
50+ firms
First Time Home Buyer
Mortgages by Wealthy You
Don't take our word for it! See what our past clients have to say:
Collins was very helpful, provided great support and was always quick to response and turn around queries, questions and documents. With some documents, be good to know the specific details required within the to avoid re-sending. Great overall.
— Alain Miller
Our home buying experience has got a GREAT start thanks to Collins. As a first home buyer, it was important for me to talk to someone who has intimate knowledge backed by qualification and experience around brokerage, credit criteria and documentation. Collins was the right guy to help me through this. However busy his schedule might be - but he always was on top of things and followed up. Highly recommend without hesitation.
— Kanak Kalburgi
Collins is tremendous. Very professional and honest.
— Dean Larfield
Collins was actually great, super attentive to my hundred questions. The only reason he couldn't 'help secure' a loan is simply because I acted too soon in contacting hashching.. I was tentatively approved at Westpac and got worried it will fall through. The morning after I spoke to Collins I found out my loan approved. All in all 100% great customer service: he was very patient with my questions. If I need to deal with a broker in the future he'd definitely be my first contact.
— Tuba Uysal
It was the right decision to choose Bishnu Aryal as our Morgage Broker. I found him to be very honest. He has done a great job in helping me get my financial approvals. He is extremely professional. I am really happy with your services and will happily recommend you to anybody. Thank you.
— Prakash Subedi
Collins has been great in securing a competitive rate for our home loan. He is prompt with answering queries. He is professionally sounded! Would not hesitate to recommend him to any of my friends!
— David Truong
Collins was very attentive and responsive to our needs. We were extremely happy with the service that he provide throughout the whole process.
— Michael Kreis
Collins made every step of our purchasing process simple and easy. From the first phone call he helped us make informed decisions on our property and mortgage choices. His processes keep paperwork and time spent to a minimum, and we were always kept up to date with the application process. We have no hesitation in recommending Collins to anyone in the process of arranging a mortgage, he is one of the few professionals who is a pleasure to deal with at every stage.
— Daniel & Jessica Payne
Collins was great the only reason we didn't proceed was the lenders were to high risk and too small. Not comfortable with smaller lenders.
— Stacey Al Suhairy
Collins was courteous and highly informative. He provided me with valuable information. Unfortunately I have to move quick with my current situation and I'm also able to contact my current broked and finance institution in Canberra where I live with face to face contact , this is my preferred method of business and life consultancy . Thank you.
— David Barrie