60+ Lenders Compared
We don't work for the banks — we work for you. We compare over 60 lenders to find the loan that fits your situation.
First Home Buyers
Your First Home
Your First Home
Starts Here
We compare 60+ lenders to find first home buyers a loan that fits. FHOG and grants sorted, paperwork handled — real brokers, no call centres.Real brokers, no call centres.
60+ Lenders on panel
Banks · Non-banks · Private
Born in the Pilbara
Servicing all of Australia
Est. 2015
Boutique team, no call centres
FIFO income specialists
Self-employed specialists
WA-owned & operated
FBAA Member
SFG Member
Authorised Credit Rep: 478535
Mon–Fri 7am–8pm WA time
Sat–Sun 7am–12pm WA time
Buying Your First Home Doesn't Have to Be Overwhelming
We get it — the deposit feels impossible, the jargon is confusing, and every bank seems to have a different answer. That's exactly why we exist.
Pilbara Finance started in the red dirt of the Pilbara helping miners and tradies buy their first homes. Now we help first home buyers right across Australia — from the $10,000 First Home Owner Grant and stamp duty exemptions to finding a lender who actually understands your situation.
$10,000 FHOG
2% deposit pathway
60+ lenders compared
Access to 60+ Lenders — We Compare So You Don't Have To
Why Choose Us
Why First Home Buyers Choose Pilbara Finance
In Your Corner
First Home Owner Grant & Stamp Duty Concessions in WA — What You May Be Entitled To
The $10,000 FHOG, stamp duty exemptions up to $500K, off-the-plan stamp duty concessions extended to 30 June 2028, Keystart 2% deposit loans, the First Home Guarantee — there's a lot of money on the table. We make sure you don't leave any of it behind.
We Do the Heavy Lifting
Forms, follow-ups, valuations, broker-to-bank tag — we handle all of it. You get on with finding your home and we'll keep things moving in the background.
FIFO & Regional Specialists
We started in the Pilbara. We understand FIFO rosters, site allowances, and which lenders accept them.
Simple Process
Three Steps. That's It.
No mountains of paperwork. No weeks of waiting.
Enquire
Tell us what you're looking for — takes 30 seconds. We call you within the hour.
We Compare
We crunch the numbers across 60+ lenders and find the right loan.
Sorted
We handle the paperwork and chase the lender until settlement day.
Calculator
What's the true cost of your first home?
Tell us a few quick details. We'll show you the cash you need, what schemes can help, and what your repayments could look like.
Where are you looking?
State and what type of place you're after.
State or territory
Where in WA
Property type
What's the price tag?
A rough number is fine — drag the slider.
Property price
$550,000
Around the median for capital city metro
Now about you
Tells us which schemes can help.
Buying alone or with a partner?
Your annual income
$90,000
Savings for deposit
$50,000
Pick a loan term
We'll use this for your repayment estimate.
A note on the rate. Repayments use a benchmark of 5.99%. This is a benchmark only — your actual rate depends on your circumstances and may be higher or lower.
Your numbers
Total cash you'll need at settlement
$0
Deposit, stamp duty and approx. $3,500 in fees, less any grants.
You've got real options
You have
$50,000
saved · ready to chat
Stamp duty
$0
First home buyer concession applied
First home owner grant
$0
Eligibility based on property type
Loan amount
$0
$0 / month
Estimate at 5.99%. Many clients access lower rates — your actual rate depends on your circumstances.
Your deposit pathways
Ready when you are
Want this tailored to you?
Have a quick chat with a Pilbara Finance broker. We'll confirm what schemes you qualify for and find you the right loan — no pressure.
60+ lenders
4.9 Google rating
Est. 2015
Estimates only. This calculator does not take your personal circumstances into account, does not assess your borrowing capacity, and is not a credit offer. Scheme eligibility, grant amounts and stamp duty thresholds change — figures shown are based on data current as of 1 April 2026. Eligibility for some schemes depends on the specific postcode. Pilbara Equities Pty Ltd T/A Pilbara Finance (ACN 604 986 012 / ABN 18 604 986 012) is a Credit Representative (Credit Representative Number 478535) of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025 / ACN 612 422 178).
The Detail
Everything You Need to Know
As a first home buyer in WA, you may be eligible for the First Home Owner Grant (FHOG) — a one-off $10,000 payment toward a new home valued under $750,000 (or under $1,000,000 north of the 26th parallel, including the Pilbara and Kimberley).
You may also qualify for stamp duty exemptions. First home buyers pay zero stamp duty on established homes up to $500,000, with reduced rates between $500,001 and $700,000 in metro Perth (up to $750,000 in regional WA). For eligible off-the-plan purchases, you may receive up to 100% stamp duty relief (capped at $50,000) on new strata or community-title dwellings valued up to $800,000, with a reduced concession above that. The WA Government has extended this concession to 30 June 2028 (subject to legislation) and broadened it to include townhouses, villas and survey-strata dwellings such as duplexes and triplexes. We'll confirm the current thresholds and whether your purchase qualifies.
Keystart is a WA Government-backed lender — deposits from 2%, no LMI, property cap $800,000 statewide, income limits $148,000 singles / $218,000 couples. Higher limits for Pilbara and Kimberley.
The First Home Guarantee (FHBG) is a federal scheme — 5% deposit, no LMI. Price caps $850,000 in Perth and regional centres, $600,000 elsewhere. Both can be combined with the FHOG.
Not all lenders are the same — especially if you're FIFO, self-employed, or have non-standard income. Some banks don't count site allowances, LAFHA, or overtime. We know which ones do, and we'll match you with a lender who understands how you earn.
Pre-approval, property hunting, formal approval, settlement — it sounds like a lot, but we handle the heavy lifting. Most first home buyer loans settle within 4–6 weeks of formal approval. You focus on finding the right home. We focus on making sure you can afford it.
Client Scenario
How We Helped Sarah & James
Sarah & James
FIFO couple, Karratha — First home buyers
Composite Scenario · figures and timeline reflect real client outcomes
The Situation
Sarah's a nurse at Karratha Health Campus. James is a heavy diesel fitter on 2-and-1 swings south of Port Hedland. FIFO allowances, shift penalties, a small personal loan — their income was anything but standard. Two banks had already said no.
What We Did
We knew which lenders count site allowances and overtime as ongoing income. We structured the application for maximum serviceability, found a lender at 95% LVR, and helped them access the $10,000 FHOG. Because they were north of the 26th parallel, the $1,000,000 cap gave them room.
Composite scenario reflecting real outcomes we've delivered for FIFO first-home buyers through our 60+ lender panel.
5 days
To pre-approval
$10,000
FHOG received
$0
Stamp duty paid
Composite scenario built from multiple real Pilbara Finance first-home-buyer transactions. Names, locations and identifying details are illustrative; the timeline, structure and figures reflect the kind of outcomes our 60+ residential lender panel produces in 2026.
Common Questions
First Home Buyer FAQs
Through Keystart: 2% ($12,000 on $600K). Through the First Home Guarantee: 5%, no LMI. Standard lender: 5–10%. We'll run the numbers and show you which deposit pathway suits you — Keystart, the First Home Guarantee or a standard loan — and what each one costs.
$10,000 FHOG for new homes under $750K ($1M in Pilbara/Kimberley). Stamp duty exempt up to $500K, reduced to $700K metro / $750K regional. Off-the-plan stamp duty concessions on eligible new dwellings — extended to 30 June 2028 (subject to legislation), with up to 100% relief on dwellings valued up to $800,000.
Absolutely. We specialise in FIFO lending. Not all lenders count site allowances, LAFHA, or overtime. We know which do and structure applications to maximise borrowing power.
Keystart: WA Government lender, 2% deposit, no LMI, $800K cap, income limits apply. FHBG: federal scheme through participating lenders, 5% deposit, no LMI, $850K cap Perth. Both combine with the FHOG. We assess which suits you.
For most first home buyers, 3–5 business days from the time we have your documents. Some lenders are faster, some take a bit longer if your situation needs more checking. We'll keep you updated and chase the lender so you're not left guessing.
A bank decline doesn't mean you can't get a loan. It means that bank's criteria didn't fit. We work with banks, non-bank and specialist lenders — 60+ in all — and we'll look for one that suits your situation.
What People Say
Straight Talk, Straight Back.
Real reviews from real Google. No curated screenshots, no cherry-picked quotes.
Get Started
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Mon–Fri 7am–8pm · Sat–Sun 7am–12pm WA time
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A no-obligation chat with a broker born in the Pilbara, helping first home buyers right across Australia.
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