First Home Buyer – Plus977 Finance

FIRST HOME BUYER SOLUTIONS

Making Your First Home Purchase Simple and Stress-Free

Buying your first home is one of the biggest financial decisions you’ll ever make, and having the right guidance can make all the difference. At Plus977 Finance, we’re committed to making the journey simple, transparent and stress-free. We take the time to understand your financial situation, explain your borrowing options in clear terms and help you find a home loan that aligns with your budget, lifestyle and long-term goals.

From assessing your borrowing capacity and comparing loan options to securing pre-approval and managing your application, we support you through every stage of the process. Our experienced team works closely with trusted Australian lenders to help you access competitive finance solutions while ensuring you feel informed and confident in every decision you make. With personalised advice and dedicated support from consultation to settlement, we’re here to help you achieve home ownership with confidence.

Client First Approach

Your goals come first. We listen, understand your needs and recommend finance solutions that work for you.

Tailored Solutions

Every situation is different. We compare lenders and customise loan options to match your financial goals.

End-to-End Support

From your first enquiry to settlement, we provide expert guidance and support at every stage of your journey.

OUR WORKING PROCESS

A Simple Path to Your First Home

We make the home loan process straightforward with expert guidance and personalised support at every stage.

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Initial Consultation

Tell us about your financial goals and property plans.

Compare & Recommend

We compare home loan options from trusted Australian lenders and recommend solutions tailored to your circumstances.

Loan Application

We prepare and submit your application, manage the paperwork and liaise with the lender on your behalf.

Approval & Settlement

Once your loan is approved, we guide you through settlement and remain available for ongoing support whenever you need us.

frequently asked questions

People Frequently Asking Question

Find clear answers to common questions about our financial services, processes, and expert guidance.

4.8 Rated Company

Trusted by Homebuyers, Investors & Families Across Australia

How much deposit do I need to buy my first home in Australia?

Eligible first home buyers may be able to purchase a property with as little as a 5% deposit through the Australian Government 5% Deposit Scheme, without paying Lenders Mortgage Insurance (LMI). Standard lending requirements and eligibility criteria still apply.

Am I eligible for the Australian Government 5% Deposit Scheme?

The Scheme is available to eligible Australian citizens and permanent residents purchasing their first home, or those who haven't owned residential property in Australia within the past 10 years. The property must also meet the applicable price cap for its location.

Can I receive government assistance as a first home buyer?

Yes. Depending on your eligibility and the state or territory where you're purchasing, you may qualify for government initiatives such as the Australian Government 5% Deposit Scheme, the First Home Owner Grant or state-based stamp duty concessions. We'll help you understand which programs may apply to your circumstances.

Do I need loan pre-approval before buying a property?

While it's not mandatory, loan pre-approval is highly recommended. It gives you a clear understanding of your borrowing capacity, helps you set a realistic budget and strengthens your position when making an offer on a property.

Why should I choose Plus977 Finance for my first home loan?

We compare home loan options from a wide panel of trusted Australian lenders, provide personalised guidance and manage the entire process from consultation to settlement. Our goal is to make your first home buying journey straightforward, informed and stress-free.