First Home Buyers Advice in Sutherland Shire
Buying your first home is a milestone, but also one of the biggest financial commitments you'll ever make. Between deposits, loans, and government incentives, it’s easy to feel uncertain. I work with locals across the Sutherland Shire and Greater Sydney to help first home buyers plan with confidence, avoid missteps, and set up long-term financial stability.
Not Sure Where to Start with Your First Home?
Most first home buyers don’t know exactly how much deposit they need, whether they qualify for government support, or what loan structure will suit them long-term. One meeting can give you a clear savings plan, outline borrowing options, and show how your first purchase fits into your broader financial future.
What First Home Buyer Advice Do I Offer?
First home planning isn’t just about saving but about strategy. These are the areas I guide clients through most often:
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Building a savings strategy for your purchase that balances deposit goals with lifestyle needs and realistic timeframes.
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Understanding what you can safely borrow without overcommitting and how lenders assess income and liabilities.
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Clarifying eligibility for the First Home Owner Grant, stamp duty concessions, and federal guarantee schemes.
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Explaining when and how the First Home Super Saver Scheme can accelerate your deposit in a tax-effective way.
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Preparing for stamp duty, legal fees, and ongoing costs like rates, insurance, maintenance, and others.
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Placing your first home within a bigger financial plan, including potential upgrades or future investment properties.
Why Do Clients Choose Me for First Home Buyer Advice?
Plenty of advisors can run loan calculators. What clients value is whether the advice actually helps them secure their home and future. Here’s what I focus on:
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I turn savings targets, deposits, and repayments into scenarios you can clearly visualise and plan around.
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I look beyond the loan to how the purchase of your first home affects cash flow, super, tax, and future goals.
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I’m not tied to lenders or product providers, so my recommendations are focused solely on your situation.
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Based in Caringbah, available by video or CBD meetings, with quick follow-ups when circumstances change.
Client Experience
Nothing speaks louder than the experiences of people who’ve sat where you’re sitting now.
Need Help with Anything Else?
Money means different things at different stages of life. These are the areas where I can step in and help take the pressure off:
Superannuation
Making the most of your super, from regular contributions through to withdrawals and tax-free pensions so you feel confident at every stage of life.
Transition to Retirement
Structuring your income streams as you ease out of work, while keeping your lifestyle and tax planning on track.
Inheritance Advice
Helping you manage family inheritances in a tax-smart way, so wealth is preserved and distributed as smoothly as possible.
Shares & ETFs
Building and managing portfolios of shares and ETFs, with strategies designed to balance growth potential against sensible risk.
Property Investments
Guiding you on when and how property can play a role in your broader financial plan, including super and tax considerations.
Pensions
Setting up reliable tax-free retirement income streams that give you security today while protecting your financial future.
Aged Care Planning
Supporting families through the complexity of aged care decisions, from costs and entitlements to long-term sustainability.
Ethical Investing
Designing investment strategies that align with your personal values while still focusing on growth and financial outcomes.
Wills & Estate Planning
Ensuring your assets are protected, your wishes are carried out, and your loved ones are supported into the future.
Every plan is personal. I’m not tied to banks or big corporates, and I don’t use rinse-and-repeat templates. The strategies we build together reflect your goals, your values, and the life you want to live.
Get Your First Home Plans on Track.
Delays cost time, money, and missed opportunities with grants or loan approvals. The earlier you get advice, the sooner your savings, borrowing, and government support can be put to work. I’ll show you the fastest, smartest, and safest way to turn savings into keys in hand.
First Home Buying FAQs
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A planner helps structure savings, borrowing power, and government grants so you know exactly how much you can afford. They compare loan options, model repayment impacts, and ensure the purchase doesn’t undermine future goals like retirement savings or investment opportunities.
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Most lenders require 20% to avoid Lenders Mortgage Insurance (LMI), but schemes like the First Home Guarantee allow as little as 5%. A financial planner weighs whether a larger deposit, paying LMI, or accessing government support offers the best long-term financial trade-off.
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Key supports include the First Home Owner Grant, First Home Guarantee, and use of the First Home Super Saver Scheme. Planners show how these interact with deposits, tax, and borrowing, ensuring you capture entitlements without breaching contribution caps or locking up too much liquidity.
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The First Home Super Saver Scheme allows voluntary contributions from super to be withdrawn for a deposit. A financial planner ensures amounts stay within caps, models the tax benefits, and balances whether reducing retirement savings today is worth accelerating property entry.
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Banks lend based on income and expenses, but “maximum borrowing” isn’t always safe. Planners stress-test repayments against interest rate rises, lifestyle goals, and other commitments. This prevents clients from overextending and ensures mortgage obligations leave room for savings, super, and family costs.
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Stamp duty (where applicable), legal fees, inspections, loan setup costs, LMI, and moving expenses can add tens of thousands to upfront costs. A planner maps these against your deposit savings and borrowing capacity, so you enter the market without nasty surprises or cash shortfalls.
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Some first-time buyers choose “rentvesting”: renting where they want to live while buying elsewhere. A financial planner weighs the tax deductions and growth potential of this strategy against lifestyle goals, borrowing impacts, and long-term retirement outcomes before recommending if it suits your situation.
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Planners coordinate loan structures, offset accounts, and repayment schedules with ongoing super contributions, insurance, and investments. The aims are to stop the mortgage from crowding out all other goals and ensure that wealth continues to grow in multiple areas while you service the loan effectively.
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Over-borrowing, ignoring government grants, underestimating costs, and buying without cash buffers are common. Others lock into unsuitable loans or neglect long-term tax and super implications. Financial planners prevent these by mapping short- and long-term scenarios, so that home-buying decisions strengthen rather than weaken your financial position.