First home buyer's agent services in Australia.
The first home purchase is the biggest cheque most people have written. The buyer's agent and broker sit on your side of the table from pre-approval through to keys.
Pre-approval first. Property second.
The brief starts with a real borrowing number, not an online calculator. The Opes broker runs the pre-approval through the 50+ lender panel, accounting for any state grants and concessions that affect the deposit picture.
Then the buyer's agent goes to market with a budget that the bank has already signed off on. It cuts weeks off the process and avoids the awkward moment of falling in love with a place you can't actually fund. The first home buyer hub maps the broker, BA and planning pieces together, and the wider first home buyer page covers grants and schemes in long form.
What the service covers for first home buyers.
Six steps from sit-down to keys. Owner-occupier lens throughout.
Pre-approval first
Through the Opes broker on the 50+ lender panel, so the brief is grounded in a real number, not a guess.
Grant and scheme check
First Home Owner Grant, First Home Guarantee, stamp duty concessions. Eligibility worked through plainly.
Suburb shortlist
Owner-occupier lens. School zones, transport, future supply, liveability and the long hold in mind.
Inspections coached
You walk the property with the agent. We point out what to look for and what to ask before you fall for the kitchen.
Due diligence
Building, pest, strata reports and contract review coordinated through licensed practitioners.
Negotiation
Private treaty negotiation by the licensed partner on your behalf. You don't talk to the selling agent.
First home buyer grants and schemes.
Eligibility, caps, and processes vary by state and change. The broker walks through what currently applies in your case.
First Home Guarantee
Buy with a smaller deposit without Lenders Mortgage Insurance, subject to income and property price caps. Place numbers are limited each financial year.
First Home Owner Grant
A cash grant in most states, usually limited to new builds or substantial renovations. Amounts and rules differ between Victoria, NSW, Queensland and other jurisdictions.
Stamp duty concessions
Most states have first home buyer concessions or exemptions on stamp duty up to certain price thresholds. The savings can be material on a budget.
Current details and eligibility for your state are worked through during the broker intake. Don't rely on a page like this for a number you're going to settle on. For the long-form walk-through, the first home buyer guide covers each scheme in detail.
From sit-down to keys.
The order matters. The plan and the pre-approval come first.
- Step 01
Free financial plan
Deposit, cash flow, scheme eligibility, plain-language goal.
- Step 02
Pre-approval
Real borrowing capacity on a real lender. Not a guess from a calculator.
- Step 03
BA engagement
Brief written down. Suburbs shortlisted. Inspections coached.
- Step 04
Settlement
Solicitor, lender and vendor agent kept in step. Keys handed over.
The questions first home buyers ask.
It depends on the brief. For a single-bedroom unit in a familiar suburb, you may not need one. For a first house purchase in an unfamiliar market, the time saved and the price work on negotiation typically cover the fee. The initial consultation is free, and we'll be straight with you about whether the brief warrants it.
Yes. The broker side of the file checks scheme eligibility, the income and price caps for your state, and the lender's process for submitting the application. The buyer's agent won't claim a grant on your behalf, but the property shortlist respects the caps.
Stamp duty concessions for first home buyers vary by state and change regularly. The broker works through the current settings with you before contracts. Stamp duty changes can materially shift the budget.
Of course. Many first home buyers spend months looking before engaging us. We'll fold what you've seen into the brief and pick up from there. Sometimes the right call after a brief chat is to keep looking on your own for now.
Auction bidding on behalf of clients is not part of the standard service. The partner can refer a specialist auction bidder, particularly important in Sydney and Melbourne where a large share of first homes go to auction.
From engagement to keys, typically two to four months on a first home brief. Pre-approval is in place before the search starts so finance isn't the bottleneck on a good property.
Continue reading
- Buyer's agent overviewHow the service works across all Australian states.
- Buyer's agent feesFixed fee from $10,000 + GST. Bundle reductions for cross-pillar clients.
- First home buyer loansFirst Home Guarantee, FHOG, stamp duty concessions, and lender choice.
- Buyer's agent vs real estate agentWho works for whom, and why it matters at the negotiation table.
- First home buyer hubCross-pillar view across broker, BA and planning for FHBs.
- First home buyer guideLong-form walk-through of grants, schemes and the deposit decision.
- For first home buyersHow the whole file works for a first home purchase.
Start with a free first home consultation.
The first conversation is free. We'll cover deposit, pre-approval, scheme eligibility for your state, and how the buyer's agent fee works.