First Home Buyer Loans

First Home Buyer Programs in Canberra

Get clear guidance on deposits, pre-approval, grants, lender requirements and first home buyer loan options.

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Start Your First Home Journey With Confidence

Buying your first home can feel overwhelming, especially when you are trying to understand deposits, borrowing capacity, government support and lender requirements. Rayz Financial Services helps first home buyers in Canberra move from uncertainty to a clear plan.

We explain your options in plain language, compare suitable lenders and support your loan application from pre-approval through settlement.

First Home Buyer Support

  • Borrowing capacity and deposit review
  • Pre-approval guidance before you make an offer
  • Government grant and scheme guidance
  • Low deposit loan pathway review where eligible
  • Education through approval, contracts and settlement

First Home Buyer Guidance

Pre-Approval

Understand your budget before you search seriously or make an offer on a property.

Deposit Requirements

Review deposit size, savings history, lender mortgage insurance and low deposit options.

Grants & Schemes

Get guidance on available first home buyer support and eligibility considerations.

Loan Education

Learn about fixed, variable, split loans, offset accounts, repayments and settlement steps.

How We Help First Home Buyers

  1. Understand your position. We review income, savings, deposit, expenses and property goals.
  2. Explain your options. We discuss lender requirements, grants, low deposit pathways and repayments.
  3. Arrange pre-approval. We help prepare documents and submit your application to a suitable lender.
  4. Support settlement. We guide you through approval conditions and lender steps after your offer is accepted.

Ready for Your First Home?

Book a first home buyer consultation with Rayz Financial Services.

Book an Appointment