/ FIRST HOME BUYER

Buying your first home is exciting.

Buying your first home is exciting.

It can also feel overwhelming, especially when you're comparing lenders, working out what you qualify for and trying to make sense of conflicting advice. We're here to offer clarity and guidance.

/ HOW IT WORKS

Helping you get started on the property ladder, step by step.

Helping you get started on the property ladder, step by step.

[01]

Tell us what you're after.

We'll talk through your income, savings, expenses and timeline. This is where we get clear on what's possible before recommending anything.

[01]

Tell us what you're after.

We'll talk through your income, savings, expenses and timeline. This is where we get clear on what's possible before recommending anything.

[02]

We'll research your options.

We'll research your options.

We'll compare options across 65+ lenders and prepare a tailored credit proposal covering your borrowing capacity, recommended loan structure, and which lender suits your situation and why. In plain English.

[03]

We handle the legwork.

Application, paperwork, lender communication; all managed for you. You won't be left chasing updates or navigating the bank yourself.

[03]

We handle the legwork.

Application, paperwork, lender communication; all managed for you. You won't be left chasing updates or navigating the bank yourself.

[04]

Settlement and beyond.

Settlement and beyond.

We coordinate settlement and stay in touch with regular loan reviews long after the keys are in your hand.

/ HOW IT WORKS

Helping you get started on the property ladder, step by step.

WE WORK FOR YOU, ALONGSIDE AUSTRALIA’S TOP TRUSTED BANKS:

/ HOW I HELP

Here’s how we make buying your first home easier.

Here’s how we make buying your first home easier.

[01]

Understanding your borrowing capacity.

Before you start looking at properties, it helps to know what you can realistically afford. We'll assess your financial position across multiple lenders and give you a clear picture of your borrowing power.

[01]

Understanding your borrowing capacity.

Before you start looking at properties, it helps to know what you can realistically afford. We'll assess your financial position across multiple lenders and give you a clear picture of your borrowing power.

[02]

Navigating grants and government schemes.

There are a number of grants and schemes available to first home buyers across Australia, including:

  • First Home Owner Grant (FHOG).

  • First Home Guarantee Scheme.

  • Stamp duty exemptions and concessions.

  • Lenders Mortgage Insurance waivers.

Eligibility varies by state and territory. We’ll help you understand what you may qualify for and factor it into your loan strategy.

[02]

Navigating grants and government schemes.

There are a number of grants and schemes available to first home buyers across Australia, including:

  • First Home Owner Grant (FHOG).

  • First Home Guarantee Scheme.

  • Stamp duty exemptions and concessions.

  • Lenders Mortgage Insurance waivers.

Eligibility varies by state and territory. We’ll help you understand what you may qualify for and factor it into your loan strategy.

[03]

Choosing the right lender and structure.

Not all lenders assess first home buyers the same way. We'll compare options across 65+ lenders and recommend the one that suits your situation.

[03]

Choosing the right lender and structure.

Not all lenders assess first home buyers the same way. We'll compare options across 65+ lenders and recommend the one that suits your situation.

[04]

Finding the right property, not just any property.

Once we know what you can borrow, we can help you search smarter too. Through Homer, a property research platform used by buyers across Australia, Baron Finance can show you on-market, pre-listing and off-market properties that match your criteria in one place. You'll also get access to guide price accuracy data and agent listing history, so you can walk into an inspection knowing whether the advertised price is realistic and how the agent has performed on previous campaigns. For first home buyers still learning how the market works, that kind of transparency makes a real difference.

[04]

Finding the right property, not just any property.

Once we know what you can borrow, we can help you search smarter too. Through Homer, a property research platform used by buyers across Australia, Baron Finance can show you on-market, pre-listing and off-market properties that match your criteria in one place. You'll also get access to guide price accuracy data and agent listing history, so you can walk into an inspection knowing whether the advertised price is realistic and how the agent has performed on previous campaigns. For first home buyers still learning how the market works, that kind of transparency makes a real difference.

/ FREE RESOURCES

Try our loan calculators

Try our loan calculators

[01]

Purchasing Power Calculator

This calculator helps you understand the price range of properties within your reach based on your financial position. It’s a useful tool for narrowing your property search before you start inspecting, so you spend time looking at homes that are realistically within budget.

[02]

Borrowing Capacity Calculator

This calculator gives you an estimate of how much you may be able to borrow based on your income, expenses and existing debts. It’s a useful first step before you start looking at properties, as it gives you a realistic idea of what’s within reach.

[03]

Stamp Duty Calculator

This calculator estimates how much stamp duty you may need to pay when purchasing a property. Stamp duty varies depending on your state or territory, the purchase price and whether you qualify as a first home buyer, so it’s a good way to budget accurately before you buy.

/ ABOUT

Hey, I’m Bevan. I'm the founder and director of Baron Finance.

Baron Finance is run by Bevan East. When you get in touch, you speak directly with Bevan. Not a team, not a call centre. Just one experienced broker who stays involved from your first conversation through to settlement and beyond.

Bevan East

Founder, Director & Principal Mortgage Broker

/ FREQUENTLY ASKED

Your questions, answered.

Your questions, answered.

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

What is Lenders Mortgage Insurance?

What is borrowing capacity and how is it calculated?

What is a soft credit check?

What is a credit proposal?

How long does the home loan process take?

Do I need to have found a property before I speak to you?

What does it cost to use a mortgage broker?

/ GET STARTED

Ready to find your first home?

Ready to find your first home?

Ready to find your first home?

Baron Finance

Baron Finance Pty Ltd, ACN 694 947 914, is a Credit Representative of Australian Finance Group Ltd Australian Credit Licence 389087 and is a proud member of the Mortgage & Finance Association of Australia (MFAA).

Baron Finance

Baron Finance Pty Ltd, ACN 694 947 914, is a Credit Representative of Australian Finance Group Ltd Australian Credit Licence 389087 and is a proud member of the Mortgage & Finance Association of Australia (MFAA).

Baron Finance

Baron Finance Pty Ltd, ACN 694 947 914, is a Credit Representative of Australian Finance Group Ltd Australian Credit Licence 389087 and is a proud member of the Mortgage & Finance Association of Australia (MFAA).