First home buyer loans in Queensland and Australia-wide

Getting into your first home is one of the biggest decisions of your life. We make sure you go in prepared, not overwhelmed.

First Home Buyers

You don't have to figure this out alone.

The first home buying process in Australia involves more moving parts than most people expect, from FHSS (First Home Super Saver) withdrawals, state First Home Owner Grants, the First Home Guarantee, deposit requirements, pre-approval timelines, and the auction process. Most first-time buyers don't know what they don't know.

At Indus Mortgages, we walk you through every step. Biju has a genuine passion for helping first home buyers. He understands the anxiety, the excitement, and the importance of getting it right.

We compare our panel of 40+ lenders to find the most competitive rate and terms for your situation, and we handle every piece of paperwork from pre-approval through to settlement.

Begin with our guide to getting pre-approved for a mortgage, which covers what lenders ask for and how long approval usually takes. If you run your own business, our article on how being self-employed affects your mortgage application explains how your income will be assessed. Building rather than buying? See our construction loans page, or compare the full range of home loan structures first.

Start Your Application

Apartment buildings in an Australian city where first home buyers are looking to buy

Government Schemes

First home support available to you

Many first home buyers leave money on the table by not knowing what they're entitled to. We make sure you access every scheme available to you.

First Home Super Saver (FHSS)

The FHSS scheme lets you withdraw eligible voluntary super contributions (up to $50,000) plus their associated earnings to put toward your deposit. We help you work out what you can access and when.

First Home Owner Grant

First Home Owner Grants vary by state and generally apply to new builds, from around $10,000 up to $30,000 in Queensland. Income caps and property price limits apply. We confirm the current grant and your eligibility for where you're buying.

First Home Loan (5% Deposit)

The Australian Government 5% Deposit Scheme lets eligible buyers purchase with as little as a 5% deposit, with the government guaranteeing the rest so you avoid LMI. Standard bank lending typically requires 20%. We assess your eligibility and match you to the right lender.

Government 5% Deposit Scheme

Low Deposit Lending

Some lenders on our panel will lend with 10% deposit to buyers who don't qualify for government schemes. We know which lenders take a more flexible view and how to present your application.

Pre-Approval

A pre-approval letter tells you exactly how much you can borrow before you start house hunting. It strengthens your position at auction and gives you confidence at open homes.

Buying at Auction

Australia's auction markets can be daunting. We help you understand the process, know your limit, and have finance ready to go so you're not scrambling after the hammer falls.

Our Specialty

LMI waivers for eligible professionals

In Australia, if your deposit is below 20% (an LVR above 80%) you'll usually pay Lenders Mortgage Insurance and often a higher rate. For many professionals, that doesn't have to be the case.

Registered nurses, doctors, dentists and a long list of other eligible professionals, along with frontline emergency workers, can access lenders who waive LMI entirely and offer 80% LVR pricing on a deposit as low as 5-10%, depending on the profession. That can significantly reduce your upfront costs, depending on your deposit and lender.

This is an area we specialise in. We've helped plenty of nurses, doctors and dentists structure their finance this way, and we'll tell you quickly whether you qualify.

Check If You Qualify

Who typically qualifies

Registered nurses and midwives
Doctors, dentists, and other medical professionals
Frontline emergency workers
Other eligible professionals (lender-dependent)

Eligibility and the deposit required vary by profession and lender. We'll confirm exactly what applies to your situation.

How It Works

From first conversation to keys in hand

01

No-obligation consultation

We learn about your income, savings, FHSS balance, and goals. No credit checks at this stage.

02

Assess your eligibility

We check what government schemes you qualify for and how much you can realistically borrow across our lender panel.

03

Secure pre-approval

We prepare your application and get you a pre-approval so you can house-hunt with confidence and a clear budget.

04

Find your home

You search for the right property while we remain on standby to move quickly when you find the one.

05

Settlement

Once your offer is accepted, we activate the full loan, manage lender communication, and get you to the finish line.

What you'll need to get started

Proof of income (payslips or bank statements)
Last 3 months of bank statements
Photo ID (passport or driver licence)
FHSS balance statement
Details of any existing debts or liabilities
Proof of savings (deposit funds)

Book a Free Consult

5.0

80+ Google reviews

What our clients are saying.

Real reviews from real South-East Queensland families we've helped through their mortgage journey.

“Biju from Indus Mortgages made my home-buying experience smooth and stress-free. He explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”

“Thanks to Biju for assisting us to buy our new house. When speaking with him it’s always like talking with a friend. Answers promptly to the calls, though he is busy at times. Highly recommended.”

“Excellent service. Biju guided us through every step and helped us secure the best option for our home loan. Thanks for the great support.”

“Biju is a very approachable adviser. He did his part very well right from the start. Regular follow-up from him helped us a lot. All the best to Biju and the Indus Mortgages team.”

“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”

“Thank you Indus Mortgages for advising me and helping to land my first home. So responsive and patient throughout my journey. Highly recommend Biju for advice.”

“We are thankful to Biju for assisting us to buy our first home. The service provided was excellent. Biju is always approachable, knowledgeable and proactive.”

“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”