Buying your first home should feel exciting, not overwhelming. We guide you from your first question about borrowing power all the way to collecting your keys, and our fee is paid by the lender.
Source: Queensland Revenue Office; QLD Treasury. The $30,000 grant on eligible new homes valued under $750,000 was extended for four years in the 2026-27 Queensland Budget.
Deposit you may need
Example minimum deposit by pathway
Source: QLD Treasury; Housing Australia
From “can I afford it?” to your keys
A relaxed chat
We learn your goals and what you can comfortably repay.
Real pre-approval
We compare lenders and get you a genuine number to shop with.
House hunting
You make offers with confidence, knowing your finance is ready.
Settlement
We manage the paperwork through to the day you get the keys.
You do not need a 20% deposit
The biggest myth in first home buying is that you need to save 20%. In reality, many buyers get in far sooner, and government schemes can lower the deposit even further.
We show you every pathway with the real costs, so you can choose the one that gets you in sooner without overpaying.
- 5% deposit with lenders mortgage insurance
- 2% via Boost to Buy for eligible buyers
- 5% with the First Home Guarantee, no LMI
First Home Owner Grant
$30,000 on an eligible new home in Queensland, valued under $750,000.
Stamp duty concession
A full transfer duty concession for eligible first home buyers can mean $0 duty.
Boost to Buy
A shared-equity option that can get eligible buyers in with as little as a 2% deposit.
Common questions
How much deposit do I really need?
Many first home buyers get in with around 5% saved, and some pathways allow as little as 2%. We show you the deposit, LMI and scheme options side by side.
Can I use the grant and a guarantee together?
Yes. The Queensland grant is separate from the national home guarantee schemes, so eligible buyers can often use both at once.
What government help is available in Queensland?
The $30,000 First Home Owner Grant on eligible new homes, a full transfer duty concession for eligible buyers, and shared-equity options such as Boost to Buy.
Let’s start the chat
A no-obligation conversation. We compare more than 20 lenders and tell you honestly what is achievable for you.
Cyril Finance Group is a trading name of Cyril Marketing Pty Ltd as Trustee for the Keryakes Family Trust (ABN 63 890 064 995). Sherif Keryakes is Credit Representative 579481 of Finsure Finance and Insurance Pty Ltd (Australian Credit Licence 384704). This information is general only and does not consider your objectives, financial situation or needs.