First Home Buyer Loans Made Simple – Own Your Home Sooner
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First home buyer loans on the Gold Coast have never been more accessible. At Fundsie, we’re your dedicated mortgage broker specialising in first home buyer loans to help first-timers like you secure competitive rates, low deposits, and government support. With the Australian Government 5% Deposit Scheme now unlimited and no income caps, plus the extended $30,000 QLD First Home Owner Grant (until June 2026), many buyers are entering the market with far less saved than before
Many Gold Coast first home buyers are taking advantage right now –stamp duty concessions for new homes, potential equity from rising values, and competitive rates make 2026 a smart time to enter the market. We handle the paperwork, explain grants/eligibility (no hidden catches), and focus on your goals: whether it’s a starter apartment, townhouse, or house on the Coast.
No jargon, no pressure – just expert, transparent advice to get you into your first home sooner. Ready to explore your first home buyer loans options and see how much you can borrow?
Get your free pre-approval or grant eligibility check today—call us or book a quick chat!
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Our Simple Step-by-Step Process for First Home Buyers
Our simple step-by-step process for first home buyer loans makes everything straightforward – No confusing bank speak. No pushy sales. Just honest, practical support tailored for first home buyers on the Gold Coast and across Queensland. Here’s exactly what happens when you work with Fundsie:
- We get to know you – your budget, lifestyle, and homeownership goals.
- We explain your options clearly – borrowing power, deposit needs, repayments, and the best loan types for you.
- We guide you on grants & schemes – like the $30,000 QLD First Home Owner Grant (extended to June 2026), First Home Guarantee (5% deposit, no LMI), and stamp duty concessions.
- We compare first home buyer loans from 60+ lenders – finding competitive rates and features that suit you, not the bank.
- We handle the paperwork & lender dealings – keeping you updated every step so there's never any guesswork.
You’ll always know what’s next, feel confident, and avoid common pitfalls. Ready to start? Get your free first home buyer loan assessment today.
What Grants, Schemes & Concessions Are You Eligible For in Queensland?
As a first home buyer, explore what grants and schemes pair best with your first home buyer loans options
Key options available in 2026 include:
- $30,000 First Home Owner Grant (FHOG) — For eligible buyers signing contracts to buy or build a new home (including house, unit, or townhouse) valued under $750,000 before 30 June 2026. This one-off, tax-free grant can go towards your deposit or costs – a huge boost extended by the QLD Government to help more first-timers enter the market. (Reverts to $15,000 after June 2026.)
- Stamp Duty Concessions — Full or partial exemptions on transfer duty for first home buyers purchasing new homes or vacant land to build (e.g., full concession reducing duty to nil for homes under certain thresholds like $700k–$800k in Brisbane/Gold Coast areas, depending on exact rules).
- First Home Guarantee (Federal 5% Deposit Scheme) — Buy with just a 5% deposit and no Lenders Mortgage Insurance (LMI) – expanded in late 2025 with no place limits, no income caps, and higher property price caps (e.g., up to $1,000,000 in Brisbane/Gold Coast regions). Perfect for established or new homes if you meet basic criteria (Australian citizen/PR, first-time buyer, owner-occupier).
- Other QLD Boosts — Potential shared equity schemes (e.g., Boost to Buy with government contribution up to 30% for new homes) and regional incentives if applicable.
Eligibility varies based on your income, citizenship, property type/value, and whether it’s your first home – but many Gold Coast first-timers qualify for multiple supports, potentially saving $50k+ combined.
As your local first home buyer loans specialist, Fundsie checks everything for you at no cost: we’ll assess your situation, confirm grants/schemes, and match you to lenders that support them. No guesswork – just clear answers.
Ready to see what you’re eligible for? Get your free first home buyer loans eligibility review today – contact us or book a quick call!
How Much Do I Need to Save?
The good news for first home buyer Loans on the Gold Coast in 2026: you don’t need the traditional 20% deposit anymore. Thanks to government schemes and concessions, many qualify with as little as 5% (or even less in some cases), plus extra for stamp duty (often $0 on new builds), conveyancing, and other costs.
Under the Australian Government 5% Deposit Scheme (expanded since October 2025 with unlimited places and no income caps), eligible first home buyers can buy with a minimum 5% deposit and no Lenders Mortgage Insurance (LMI) – saving you $20k–$40k+ on a typical Gold Coast property. For the Gold Coast (classified as a regional centre), the property price cap is up to $1,000,000, so you could buy a solid starter home or unit with just $50,000 deposit on a $1M property.
Here’s a realistic breakdown of what you might need to save:
- Deposit — 5% of purchase price (e.g., $40,000 on an $800k home or $50,000 on $1M) – often the minimum required under the scheme.
- Stamp duty/transfer duty — Potentially $0 for new homes or vacant land to build (full concession from May 2025 for eligible first home buyers).
- Other upfront costs — Conveyancing/legal fees (~$1,500–$3,000), building/pest inspections (~$500–$1,000), loan application fees, moving costs, and a buffer for adjustments (~$5,000–$10,000 total).
- Boost from grants — The $30,000 QLD First Home Owner Grant (for new homes/contracts before 30 June 2026, value <$750k) can cover a big chunk of your deposit or costs – many buyers apply it directly.
Total savings needed? Often $50,000–$100,000 (including deposit + costs), far less than the old 20% rule (~$160k–$200k on Gold Coast medians around $1M+). In entry-level northern/western suburbs (e.g., Pimpama,Logan,Ipswich ~$725k median), it could be even lower.
As your first home buyer loans broker on the Gold Coast, Fundsie calculates exactly what you need based on your income, savings, and target property. We’ll factor in grants, schemes, and lenders that support low deposits – so you save smarter and avoid surprises.
Not sure where you stand? Get a free savings & borrowing power check today – we’ll show you realistic numbers and next steps!
You've Found Your Dream Property – Now Secure Your First Home Buyer Loan
You’ve spotted the perfect home on the Gold Coast – congratulations! Now it’s time to move quickly and secure your first home buyer loan to make it yours.
Why First Home Buyers Choose Fundsie
Friendly, patient guidance
We’re not here to sell. We’re here to support and explain.
We handle the paperwork
So you can focus on choosing tiles, not chasing bank forms.
Loan comparison done for you
From major banks to specialist lenders, we’ve got options.
Focused on your long-term goals
We help you choose a loan that suits you now and later.
Let’s Make Your First Move
Ready to explore first home buyer loans tailored to your Gold Coast situation? Get your free assessment today
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- Burleigh Heads, QLD, 4220 ABN 33 635 257 831
