
FIRST HOME BUYERS
Buying your first home is an exciting milestone, but navigating finance can feel overwhelming. At Fulton Financial, we simplify first home buyer loans, helping you understand your options, find a suitable home loan and take your first step onto the property ladder with confidence.
We simplify your home loan journey with clear advice and guidance tailored to your needs.
From comparing lenders to managing paperwork, we take care of the details so you don't have to.
Help from Fulton Financial comes at no cost to you.*
Buying your first home is one of life's biggest moments. From saving for a deposit to understanding how much you can borrow, there's plenty to consider before you get the keys. With so many lenders, loan products and requirements to navigate, knowing where to start isn't always easy.
That's where Fulton Financial comes in. As your first home buyer mortgage broker, we take the time to understand your circumstances, answer your questions and help you explore home loan options that suit your needs. We'll guide you through the application process, explain the finer details and help you make informed decisions every step of the way.
There's no one-size-fits-all approach to buying your first home. Your income, deposit, expenses and future plans can all influence which loan is right for you. We'll help you understand the different types of first home buyer loans, compare suitable lending options and explore government grants or assistance schemes you may be eligible for.
From understanding your borrowing capacity and organising pre-approval to managing paperwork and communicating with lenders, we're here to make the process as straightforward as possible. With personalised guidance and ongoing support, you can spend less time worrying about the mortgage and more time looking forward to your new home.
A SIMPLER WAY FORWARD
Clear advice and practical guidance at every step of your home loan journey.

YOUR HOME LOAN JOURNEY
01 Let's talk
02 Explore options
03 Move forward
We'll get to know you, your financial circumstances and your property goals, and help you understand where to begin.
We'll assess your borrowing capacity and compare suitable first home buyer home loan options from our panel of lenders.
We'll help prepare your application, organise the necessary documents and guide you through seeking pre-approval.
With a clearer understanding of your budget, you can search for a property with greater confidence. We'll be here to answer questions along the way.
Once you've found the right property, we'll help coordinate the formal loan application and work with the lender towards approval and settlement.
It's time to celebrate and if you need guidance after settlement, we'll still be here to help.
Many first home buyers aim for a 20% deposit, but some lenders accept smaller deposits. A deposit below 20% may involve lenders mortgage insurance (LMI), although eligible buyers may be able to access government support schemes. We can help you understand your deposit options and the costs involved.
Your borrowing capacity depends on your income, expenses, existing debts, credit history and the lender's assessment criteria. A first home buyer mortgage broker can help estimate what you may be able to borrow and compare suitable home loan options before you start house hunting.
Some first home buyers can purchase with a 5% deposit, subject to lender requirements and eligibility for any relevant government scheme. You will also need to budget for other purchasing costs. We can help you explore whether a low-deposit first home buyer home loan is suitable for you.
Depending on your location and circumstances, you may qualify for first home buyer grants, stamp duty concessions or Australian Government home buyer support schemes. Eligibility, property price caps and availability vary. We'll help you identify programs worth investigating and check the current requirements.
Home loan pre-approval can give you a clearer idea of your potential budget before making an offer. It is generally conditional, lasts for a limited period and does not guarantee final approval. We can guide you through the pre-approval process and explain what happens next.
Fulton Financial generally does not charge customers a broker service fee for arranging a home loan, as we are usually paid commission by the lender after settlement. We'll explain how we're paid and disclose any applicable fees before you proceed. Lender and other property purchasing costs may still apply.
LET'S TALK HOME LOANS
Buying, refinancing or investing? Tell us a little about what you need and we'll help you explore your options.
Leave your details and we'll be in touch.
^Individual lenders may charge fees to the customer.