First Home Buyers

Buying your first home is one of the biggest decisions you'll ever make. We've helped hundreds of first home buyers through it.

There's a lot to navigate when you're buying for the first time and most of it has nothing to do with interest rates. How do you make an offer? What happens at auction? Do you need a conveyancer? What grants and schemes are you eligible for? What does pre-approval actually mean?

At TS Finance Broking, we see our role as much more than finding you the right loan. We're your guide through the entire process. We've been doing this since 2013 and have helped hundreds of first home buyers get into their first home and we understand that what you need most is someone who will answer your questions honestly, explain things clearly and be there when something comes up.

No hard sell. No pressure. Just good advice and someone in your corner.

What we help you with

Our role goes well beyond the loan application. Here is what working with us actually looks like:

Understanding your borrowing position

Before you start looking at properties, we sit down with you to understand your financial position — your income, savings, debts and goals. We'll give you a clear picture of what you can borrow, what your repayments will look like and what deposit you actually need. No guesswork, no surprises.

Explaining your options — grants, schemes and structures

There are several ways to get into your first home with a smaller deposit, and knowing which one applies to your situation can make a real difference. We explain each option clearly so you can make an informed decision. More on these below.

Pre-approval — and what it actually means

A pre-approval gives you confidence to go looking and make offers. We'll explain exactly what your pre-approval covers, how long it lasts and what conditions are attached, so you're not caught off guard when you find the right property.

Making an offer and negotiating

Not sure how to make an offer on a property? We've been through this process hundreds of times and can walk you through what's involved, what to put in writing, what conditions to consider and how the process works when buying privately versus at auction.

Understanding the auction process

Auctions can feel intimidating the first time. We can explain how they work, registering to bid, what happens on the day, what your rights are and what to do if you're the winning bidder. Being prepared makes a big difference.

Who else you need in the process

Buying a home involves more than just a broker and a lender. We'll help you understand who else you need and we can connect you with the right people:

• Conveyancer: reviews the contract of sale, handles the legal transfer of ownership and protects your interests throughout settlement

• Buyer's agent: if you'd like expert help finding and negotiating on a property, we can introduce you to trusted buyer's agents we work with

Loan structure and setup

Once your loan is approved, we make sure it's set up correctly from day one, the right account structure, offset accounts where applicable and repayment frequency that works for your situation. We also introduce our Money Management System to help you stay in control of your finances from the start.

Grants and stamp duty concessions

Depending on your situation, you may also be eligible for:

• First Home Owner Grant (FHOG): a one-off government grant for eligible first home buyers purchasing or building a new home
• Stamp duty concessions: in Victoria, first home buyers may be eligible for a full or partial exemption on stamp duty depending on the purchase price

Eligibility rules change and thresholds are updated periodically. We'll make sure you're across what applies to your purchase at the time.

How the process works — step by step

Here's a simple overview of what the first home buyer journey looks like when you work with us:

1. Initial conversation — we understand your situation, goals and timeline
2. Borrowing assessment — we calculate what you can borrow and what deposit you need
3. Scheme eligibility — we identify which grants, schemes or structures apply to you
4. Pre-approval — we submit your application and secure a pre-approval so you can buy with confidence
5. Property search — you go looking, we're available for any questions along the way
6. Offer or auction — we help you understand the process and what to do when you find the right property
7. Formal approval and settlement — we manage everything through to the day you get your keys
8. Post-settlement — we discuss our recommended Money Management System and stay in touch as your circumstances evolve

Why first home buyers choose TS Finance Broking

• We've helped hundreds of first home buyers since 2013. This process is second nature to us
• We explain everything clearly — no jargon, no assumptions, no rushing
• We're available throughout the process, not just at application stage
• We're experienced with the Home Guarantee Scheme, LMI and Family Guarantee structures
• We connect you with trusted conveyancers and buyer's agents when you need them
• We're educators, not salespeople — our job is to make sure you make the right decision for your situation