First Home Buyer Home Loans – Northern Beaches
Buying your first place on the Northern Beaches is a big milestone. Whether you’re eyeing a Dee Why unit close to cafés or a Manly apartment near the ferry, Aqua Home Loans helps first home buyers secure the right loan, reduce upfront costs, and move from pre‑approval to keys‑in‑hand with clarity and confidence.
We’ll map out borrowing capacity, structure the loan to suit your goals, and guide you through stamp duty relief, grants on new homes, and low‑deposit pathways available in NSW and nationwide.
How Aqua Home Loans supports first home buyers (Northern Beaches)
- Borrowing capacity & deposit planning – We’ll show what you can comfortably afford and how different deposits (incl. 5% options under the First Home Guarantee) impact approval and repayments.
- Pre‑approval done right – Fast, tidy pre‑approvals across a wide lender panel so you can bid with confidence at private treaty or auction.
- Loan comparison for your scenario – Variable, fixed, splits, offset, and redraw features assessed against how you’ll actually live and repay.
- Local guidance, Northern Beaches focus – Practical tips for Dee Why, Manly, Freshwater, Brookvale, Narrabeen and surrounds, including strata considerations for apartments/units and typical settlement timelines.
- Smooth settlement – We coordinate with your buyers’ agent and conveyancer, keep lenders moving, and help you settle on time.
- Post‑settlement check‑ins – As rates and life change, we’ll reassess your loan and features so you stay on track.
Tailored first‑home buyer support
First home buyer loans
We help locals compare apartment and unit loans, understand strata levies in budgeting, and make the most of stamp duty concessions where eligible.
Competitive coastal markets can move quickly. Our team focuses on clean pre‑approvals, lender policies, and features that fit apartment living near transport hubs and the beach.
NSW & Federal schemes you could use
- NSW First Home Buyers Assistance Scheme (FHBAS) – Many first home buyers are fully exempt from stamp duty at or below $800,000, and get concessional duty for $800,000–$1,000,000. Separate land thresholds apply (full exemption ≤$350,000; concessional $350,000–$450,000). Residence and eligibility rules apply.
- NSW First Home Owner (New Homes) Grant (FHOG) – $10,000 for eligible first home buyers purchasing or building a new or substantially renovated home (≤$600,000 purchase; ≤$750,000 combined land + build). Occupancy requirements apply.
- First Home Guarantee (FHBG) – Buy with as little as a 5% deposit (no LMI) via participating lenders; administered by Housing Australia. Places apply; scheme can be combined with state programs.
- Scheme updates for 2025 – From 1 Oct 2025, the Home Guarantee Scheme was expanded (larger price caps and relaxed income limits), helping more buyers qualify. Always check official guidance and participating lender policies before you commit.