Buy Your First Home
with Just 5% Deposit

Grants and incentives many first home buyers miss

There are state and federal programs you may qualify for:

• The First Home Guarantee may allow you to buy with as little as 5% deposit and no Lenders Mortgage Insurance.

• Stamp duty exemptions or concessions vary by state and property value.

• The First Home Owner Grant may apply if you’re buying a new home or building.

We’ll check your eligibility for each scheme and help you claim what you’re entitled to.

More Aussies Can Buy With Less

From 1 October 2025, the First Home Guarantee is expanding. With just a 5% deposit, here's what changed:

• No income caps – anyone who meets criteria can apply.
• Unlimited places – no waiting lists.
• Higher property price caps – more choice in cities and regions.

How we make buying your first home easier

It’s not just about finding a property. Lenders look at your income, debts, savings and even your spending habits when calculating what you can borrow. Then you face costs like deposit, stamp duty, loan fees, insurance and moving in. That’s why many first home buyers feel stuck.

At Strategic Growth Capital we specialise in first home buyers and we service clients Australia-wide. We start by helping you understand:

• how much you could borrow
• how much deposit you may need
• the impact of your current debts or spending
• what your repayments might look like

We then work with you to pick the right home loan structure and lender from our large panel of more than 50 lenders. We manage all the paperwork, talk to the lender on your behalf and keep things as simple as possible.