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.

Our Recent Reviews

⸻ ⭐⭐⭐⭐⭐ G&T Finance G&T Finance has been absolutely amazing to work with! They were super helpful from start to finish and made the whole process of securing our loan so much easier than we ever expected. Their communication was clear, timely, and genuinely supportive throughout. A special shout-out to Gemma, who went above and beyond for us. She was patient, knowledgeable, and always ready to answer any questions we had. Her guidance made a huge difference, and we’re incredibly grateful for her help. Highly recommend G&T Finance to anyone looking for a reliable, professional, and truly supportive finance team!

johnsen omar hulipas

So glad to have delt with Tom , honest, reliable, communication was great, upfront and truly cares about his clients and their best interest wouldn't go anywhere else ! Thank you Tom for all your help you have been amazing you did it when others said no :)

Emilija Mijajev

Incredible service from start to finish. Tom at G & T Finance made the whole mortgage process feel easy and stress-free. He was patient, thorough, and always quick to respond to our questions — no matter how small. We felt supported the entire way through and confident that he was doing everything possible to get us the best outcome.

Tearna Chrisp

We recently used Tom as our broker for the refinance of our home. The entire process was seamless, professional and efficient. Tom was friendly and knowledgeable, quick to action and respond to queries and chose the best bank for our situation. We will be recommending Tom and the team at G&T Finance.

Brooke Burns

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.