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First Home Buyer Loans

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Buying your first home can be very exciting, but also a bit stressful. It is one of the biggest purchases of your life. With interest rate cuts and more predicted to come, now is a great time to give the Australian Lending Centre a call to help make your dream a reality with first home buyer loans.

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Experienced First Home Buyer Loan Specialists

With all the buzz around interest rate cuts this year, now is a great time for first home buyers to get into the property market. With house prices in Australia highly volatile right now, you don’t want to miss out on the opportunity of owning your own home. Check out the Government First Home Buyers Grants designed to help with the challenge of getting into your first home, for which you may or may not be eligible.

Our friendly and experienced team are ready to help you every step of the way to make your first home buying experience a great one. Call one of our first home buyer loans specialists today to discuss how our first home buyer’s loan can help put you in a better situation today.

Government First Home Owners' Grants

The Australian Federal Government has a set of incentives to help out first home buyers. For your first purchase of an established home, you will receive a grant of up to $7,000, and for the building or purchase of a newly constructed home, you may be eligible for other grants.

State governments offer different concessions for first home buyers. To see how much you may be eligible to receive, please select from the following states applicable to you:

Australian capital territory government First Home Owner Grant
NSW Government First Home Owners Grant
Northern Territory First Home Owner Grant
Queensland Government First Home Owner Grant
South Australian First Home Owner Grant
Tasmanian Government First Home Owners Grant
Victorian Government First Home Owner Grant
Western Australia Government First Home Owner Grant

COVID19 and Australia's Property Market

Despite reports that house prices would plummet due to the pandemic, between March and October 2020, Australian home values have fallen just 1.7%. It is important to note that as of November 2020, Melbourne housing values remained around 5.4% below their recent high, and Sydney housing values are still 4.8% below their 2017 peak.

With positive sentiment, containment of the virus and the RBA’s low cash rate, housing prices are going to rise in the future.

Mortgage repayment deferrals played a big part as a temporary hold preventing ongoing mortgage arrears leading to forced sales. People who didn’t want to part with their homes during the economic uncertainty didn’t have to. Low levels of stock on market probably helped to protect house prices values.

Please remember, indebted households do ultimately pay for mortgage repayment ‘holidays’. With unpaid interest accruing on home loans, households who have deferred will be further indebted down the line.

Source: Core Logic “Why didn’t the Australian housing market crash?” Eliza Owen (30 Nov 2020)

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