Your first home starts here
Expert mortgage brokers for First Home Buyers. We make owning your first home simple by helping you find the right home loan, including loans through the 5% Deposit Scheme.
The First Home Guarantee allows eligible buyers to purchase with just a 5% deposit (or 2% for single parents/legal guardians) without paying Lenders Mortgage Insurance.
You must be a first home buyer, 18+ and an Australian citizen or permanent resident. Requires a minimum 5% deposit. Standard lending criteria applies with participating lenders. Price caps apply by location.
Our mortgage broker specialists
Our mortgage broker team combines deep lending and finance experience, with a genuine commitment to help you find the appropriate home loan.
They take the time to understand your goals and provide clear guidance so you can make confident, informed decisions throughout your home-buying journey.
How is a Tiimely Home Mortgage Broker different?
Unlock personalised support
Our brokers work smarter to find you the best deal from top lenders, plus access exclusive home loans that you won’t find anywhere else.
AI-powered
Our technology means we're more responsive, helping to streamline your application process where possible.
No commission, no bias
We offer personalised support without commission-based incentives, ensuring our brokers focus solely on finding the best loan options for our clients.
Expert service, no bots
No robo-advice. Just real experts to empower you with as much (or little) support as you want. We're proud of our 8+ years, and thousands of happy customers.
30+ lenders with 1,000s of options for a tailored solution.
Tiimely Own is the smart choice for a low-rate loan with fast approval, but it’s not for everyone. Our in-house mortgage broker service provides bank loans from over 30 major lenders and supports complex situations and loan features such as split loans, guarantor loans, and construction loans.
Have questions? We have answers
Here are some common questions you might have.
Are there income limits and property price caps?
From October 2025, income caps are removed and property caps vary by region (e.g., up to $1.5M in NSW metro areas). If you purchase above the price cap in your region, you will no longer be eligible for the Scheme.
Can I apply with a partner, friend, or family member?
Yes, joint applications are allowed, including friends, siblings, or family members. All applicants must meet the scheme eligibility criteria.
Can I apply with any bank?
No, the federal government has limited availability to authorized lenders only. Your Broker can let you know which ones.
If I am eligible for the Scheme, does that mean I am automatically approved for a loan?
No, you do also need to meet eligibility requirements from the chosen lender to be approved for a loan.
What if I have saved more than the 5% deposit? Can I keep my savings?
You can keep some of your savings in reserve, as we understand you may want some emergency funds, however how much is determined between the lender and the Scheme. If for example you have 10% deposit saved, you will need to contribute 10%.
What is the First Home Super Saver Scheme (FHSS)?
FHSS lets you save up to $15,000 per year and $50,000 total in super for a deposit, and there may be tax benefits.
How does FHSS work for couples buying together?
Each person can save up to $50,000, meaning couples can access up to $100,000 combined.
What is the First Home Owner Grant (FHOG)?
The First Home Owner Grant is run by each state and territory to help first‑home buyers who buy or build a new home. The amount you can receive, the price caps and the rules change depending on where you’re buying. In most places you need to be at least 18, apply as an individual (not a company or trust), have at least one buyer who is an Australian citizen or permanent resident, not have received the FHOG before, and live in the home for the required time.
Are there stamp duty exemptions or concessions?
Stamp duty is a tax charged when you buy property, and each state and territory has its own rates and its own first home buyer concessions. Eligibility for concessions do depend on what type of property you purchase, when, and how much it costs.
Can I use multiple schemes together?
Yes, you can combine schemes, grants and concessions but you must meet the eligibility criteria for each one to be able to do so.
Real customers. Real stories. Real savings.
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Disclaimer
Tiimely Home does not provide financial or investment advice. This material does not take account of your objectives, financial circumstances or needs. Tiimely Home recommends that you seek independent financial, legal and taxation advice before making an investment decision.
IMPORTANT INFORMATION: Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.