We'll help you understand the loan types, grants and incentives to get you into your First Home

Buying your first home is likely to be one of the largest purchases you'll make. In Australia, First Home Buyers can take advantage of the current market conditions as well as generous Government Incentives (including the first home owner grant) to get on the property ladder.

We've worked with clients across Australia to access the different first home owner grants (FHOG) as well as the various stamp duty and other concessions that may be available depending on which state you are in. We can talk you through your various options as well as helping you compare things like buying vacant land vs. an established home. You may also be eligible for the Home Guarantee Scheme which can make a big difference in the type of property you may be able to purchase.

Understanding the process to buying your first home is critical as well as understanding how much you can borrow and how much you should borrow. We've been supporting First Home Buyers through the purchasing process for years and can help guide you through purchasing your first home.

We're a proud member of the Mortgage and Finance Association of Australia and can help First Home Buyers right across Australia. If you're looking to buy your first home, we have the expertise and experience to guide you through the process and make the right choice.

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Our Recent Reviews

I used G & T Finance for a refinance and the process was so smooth that I used Tom and Gemma again for a new home loan. I do not hesitate to recommend them - they looked into a number of options to choose the best for my situation. Everything was explained clearly and the whole experience was very professional. They definitely took the stress out of taking on a new loan!

Natalie Brown

We can’t speak highly enough of Tom & Gemma. Despite the complex nature of our situation, they handled everything with absolute professionalism and efficiency. Their communication was clear, timely, and reassuring throughout the entire ...

Jon & Xenia Brady

We recently worked with Gemma from G & T Finance for the purchase of an investment property, and the experience was absolutely seamless. Gemma was professional, incredibly knowledgeable, and had everything sorted promptly without any hassle. It was such a pleasant and stress-free experience — something we hadn’t encountered with other brokers in the past. Thank you so much, Gemma, for all your help. We’ll be highly recommending G & T Finance to others and are looking forward to working with you again in the future! — Tagan & Mark

Tagan Stratfold

I recently worked with Tamara on two different loans and honestly, she was amazing. Super helpful and professional the whole way through. She explained everything clearly, even the tricky stuff, and made sure I understood how it all fit ...

Daniel Mendonca

Frequently Asked Questions

Does G&T Finance help self employed borrowers get a loan?

Absolutely! Self employed borrowers are one of our specialties. We will work with you and your accountant where possible, to find the right solution and help you achieve your financial goals.

Does G&T Finance charge any fees, or are there any hidden costs when getting a loan?

For most loans we are paid by the lender and not by our customer. We will on some occasions charge a credit assistance fee and this will be advised to you up-front. All lender fees are disclosed up-front in your loan contracts.

Can G&T Finance help first home buyers get their first home loan plus access any grants and incentives?

We love helping first home buyers get into their home sooner. Check out our home buyer accelerator to get all of the information you need to get there. We will even check your eligibility and help you complete and submit the forms for any first home buyer benefits available.

Can G&T Finance help with your home loan and investment loan?

Whether it be buying your dream home or refinancing to build an investment portfolio our approach ensures you will get have the best long term solution. With our expertise and panel of over 50 lenders we will ensure you have the best structure and product to meet your goals.

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