Buying your first home in Sydney is exciting — but it can also feel overwhelming. At YML Finance, as a trusted first home buyer mortgage broker in Sydney ,we make the process simple, stress-free, and tailored to your goals. Whether you’re navigating government grants or comparing lenders, we’re here to help you every step of the way.

🎯 Why Choose YML Finance?

• ✔️ Access to 20+ lenders — we compare so you don’t have to
• ✔️ Help with NSW First Home Buyer grants and stamp duty exemptions
• ✔️ Expert advice tailored to your income, deposit, and goals
• ✔️ Fast pre-approvals and clear communication throughout

🏡 First Home Buyer Schemes in NSW

We’ll help you apply for:

• First Home Owner Grant (FHOG): $10,000 for new homes under $750,000
• Stamp Duty Exemptions: Pay no or reduced duty on homes under $800,000
• First Home Guarantee (Updated October 2025): Buy with just 5% deposit and no LMI — now with no income caps, unlimited places, and higher property price caps. In Sydney and regional centres (Illawarra, Newcastle & Lake Macquarie), the cap is now $1,500,000. The government guarantees up to 15% of the property value so lenders treat your loan as ≤80% LVR. Potential LMI saving: $15,000–$30,000+.

Learn more at the NSW Government First Home Buyer page.

Real Client Story

“Sarah and Tom were renting in Marrickville and thought they couldn’t afford to buy. We helped them secure a 5% deposit loan under the First Home Guarantee and access $10,000 in grants. They’re now proud owners of a two-bedroom apartment in Dulwich Hill.”

First Home Buyer FAQs

How much deposit do I need?

With the First Home Guarantee, you may only need 5%. We’ll help you check eligibility and lender options.

Are there income limits for the First Home Guarantee?

No — from 1 October 2025, income caps have been completely removed. Previously, singles were capped at $125,000 and couples at $200,000. Now any eligible first home buyer, regardless of income, can access the scheme through a participating lender.

Can I buy an established home?

Yes — most grants apply to new homes, but we can still help you buy an existing property with a low deposit.

What if I have a HECS debt?

That’s okay. We’ll factor it into your borrowing power and find lenders who are HECS-friendly.

Ready to Buy Your First Home in Sydney?

Let’s make it happen. Book your free consultation and get expert guidance from a broker who gets it.

Book a Free Consultation

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