affordability
How Much Deposit Do I Need to Buy a House in Australia?
Find out how much deposit you need to buy a home in Australia. Compare options, avoid LMI, and access grants with expert help from Stryve Finance.
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First Home Buyer
Loans Made Simple
Buying your first home should feel exciting, not overwhelming. We'll make it simple by comparing 50+ lenders and guiding you every step of the way.
Based on 250+ reviews
Elite Broker Winner 2024 & 2025
We compare your rates with 50+ lenders
Helpful things to know when buying your first home
There's a lot to wrap your head around when you're buying your first home. From saving a deposit to working out what you can afford, the process can feel overwhelming. The good news is, you don't need to figure it out alone. Here are three key things to focus on first, and we'll guide you through the rest step by step.
With clear guidance and the right strategy, the path becomes much simpler. And by leaning on experts who do this every day, you'll feel confident that you're making the right moves.
Your deposit
Most lenders ask for a deposit of at least 5–20%. Government schemes can help you get there faster, and we'll show you what you qualify for.
Your price range
Your budget isn't just the property price. Stamp duty, repayments and ongoing costs all matter. We'll help you understand your true buying power.
Your loan
Every lender is different. We compare 50+ banks and lenders to find a first home buyer loan that fits your goals, not the bank's.
Schemes and grants
There are government incentives designed to make your first home more affordable. From cash boosts to stamp duty savings, we'll help you understand what you're eligible for and handle the paperwork, so nothing gets missed.
Start with the guides first home buyers ask for most
regulations
First Home Guarantee Scheme: Eligibility, Benefits and Price Caps
Buy your first home with just 5% deposit and no LMI under the 2025 First Home Guarantee Scheme. Unlimited places and new price caps now apply!
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mortgage
Home Loan Eligibility and Requirements - 2025 Guide
Learn home loan eligibility and requirements in Australia. Discover what lenders need and how Stryve Finance helps you get approved faster.
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Work out your numbers in minutes
Knowing your numbers upfront takes away a lot of the stress. Our free calculators give you a quick snapshot of what you can afford, what you'll pay, and how much extra costs like stamp duty could be.
Explore the topic
Go deeper on buying your first home
Five focused guides covering the first home buyer journey — from pre-approval and deposit size through to low-deposit schemes and stamp duty concessions.
Home loan pre-approval
Document checklists, delay prevention, and broker-guided lender matching.
Read moreHow much deposit you need
Compare 2%, 5%, 10% and 20% deposit options, schemes, and no-deposit pathways.
Read more5% deposit, no LMI
How the First Home Guarantee works, which lenders join, and whether you qualify.
Read moreHelp to Buy scheme
Buy with a 2% deposit and no LMI. Eligibility, state caps, and how to apply.
Read moreStamp duty concessions
State-by-state exemptions and worked examples that can save up to $31,000.
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Our 5-stage first home buyer process
Buying your first home can feel like a maze, but with the right guide, it's straightforward. We've helped thousands of Aussies through this journey, and here's how we'll walk you through it step by step.
You don't have to figure it out alone — we'll be with you at every stage.
Frequently asked questions
What our customers
say about us
Don't just take our word for it. See what hundreds of satisfied clients across Sydney say about their experience with Stryve Finance.
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
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