Your first home. A finance structure worth getting right.
Deposits, borrowing capacity, government schemes, stamp duty and LMI — we help you understand the finance side before you commit to a property.
Deposits, borrowing capacity, government schemes, stamp duty and LMI — we help you understand the finance side before you commit to a property.
Buying your first home can feel complicated. There are deposits, borrowing capacity, government schemes, stamp duty, LMI, loan structures and lender requirements to consider.
DVELOP Finance helps first home buyers understand the finance side of the transaction before they commit to a property, so the decision is made with the numbers clearly in view.
Start with the numbers
Before searching for a property, it is useful to understand your position. Borrowing capacity is not necessarily the same as a sensible purchase budget.
- How much you may be able to borrow
- How much deposit you have
- Potential purchase costs
- Likely repayments
- Available lender options
- Whether a government scheme may apply
Deposit and LMI
Some borrowers may be able to purchase with a smaller deposit, subject to lender policy and eligibility. Lenders Mortgage Insurance may apply where the loan exceeds certain LVR thresholds.
The cost and implications of LMI should be considered before deciding how much to borrow.
Government assistance
Government home buyer programs can change over time. Where relevant, DVELOP can help you understand how lending requirements interact with available programs, while eligibility should always be confirmed against the current government requirements.
Things to weigh up
Genuine savings and deposit requirements
Eligibility for relevant government support (subject to criteria)
Ongoing affordability and buffers
Property-led finance, structured around your goals.
Clear advice, from first conversation to settlement
Understand your position
We start with your goals and the numbers behind them, then explain the options in plain language.
Match the right structure
We consider suitable lending pathways and recommend a structure with the reasoning made clear.
Manage the process
We handle the application detail and keep you informed on what happens next through to settlement.
A simple process, even when the finance isn't
Talk to us
Tell us what you want to do and the basic numbers behind it.
Compare your options
We assess the scenario, structure and suitable lending pathways.
Apply with confidence
We prepare and manage the application, keeping it clear throughout.
Settle and review
We stay in touch and review your finance as your situation evolves.
Explore related home finance options
Home Loans
The right home loan depends on more than the advertised interest rate — it should fit the purchase, not just the application.
Learn moreRefinancing
A different lender may offer a lower rate, but the real question is whether changing the loan improves your overall position.
Learn moreConstruction Loans
Construction finance is generally released progressively as the build reaches agreed stages, subject to lender requirements.
Learn moreBridging Loans
Bridging finance may help you purchase a new property before selling an existing one, where settlement timing does not line up.
Learn moreDebt Consolidation
Combining eligible debts into a single facility can simplify repayments — but it is not automatically beneficial, and the structure matters.
Learn moreCommon questions
General information about first home buyers. It is not financial advice — every situation is assessed individually.
Plan Your First Purchase
Tell us what you’re looking to finance. We’ll start with the right questions and keep the process clear.