- Home
- Loan Types
- First Home Loans
Get it right the first time.
Buy your first home with as little as a 5% deposit and no Lenders Mortgage Insurance under the Australian Government 5% Deposit Scheme. We check your eligibility, apply for the incentives and handle the paperwork.
Variable principal and interest rates, as at 27 october 2026. Lending criteria, fees and charges apply. *Comparison rates are based on a loan of $150,000 over a term of 30 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
We do the legwork, you get the keys.
Buying your first home comes with grants, schemes and lender rules that change often. We keep track of them so you don't have to.
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We apply for the government incentives for you
We check which first home buyer schemes and grants you qualify for, then prepare and lodge the applications alongside your loan.
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Access to limited-time first home buyer offers
Lenders regularly run offers for first home buyers. Because we work across our whole panel, we can tell you which ones are available when you are ready to buy.
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Borrow up to 95% without paying LMI
Eligible buyers using the First Home Guarantee can purchase with a 5% deposit and avoid Lenders Mortgage Insurance, which can save thousands of dollars upfront.
Popular first home buyer incentives.
Eligibility, price caps and amounts vary by scheme and state. We confirm what applies to you before you sign anything.
First Home Guarantee
Buy with a 5% deposit and no LMI. Formerly the First Home Loan Deposit Scheme.
Family Home Guarantee
For eligible single parents and legal guardians, with a deposit from 2%.
Help to Buy
A shared equity scheme where the government contributes to the purchase price.
First Home Owner Grant
A one-off grant for eligible first home buyers purchasing or building a new home.
First Home Buyers Assistance Scheme
Stamp duty exemptions or concessions for eligible first home buyers in NSW.
Advice that looks beyond today.
of products
At Cubecorp Finance, we work with more than 40 lenders and hundreds of products to cater for any client's needs, big or small.
Our consultants are professionally trained across our financial products and specialise in narrowing them down to the most suitable options. We take the time to understand your situation, and our advice considers not only the matter at hand but also the mid- to long-term effects of each product.
We aim to build a reputable business with longevity, helping manage your family's and friends' finances for decades to come.
- NAB
- ANZ
- Westpac
- Commonwealth Bank
- St.George
- Macquarie
- ING
- Suncorp
Book a free first home buyer consultation
Tell us a little about your situation and a broker will call you to talk through your borrowing capacity and which incentives you may be eligible for.