First Home Buyer Assessment

Buying a home
for the first time?

Answer 9 quick questions and we'll show you your borrowing power, grant eligibility, and exactly where you stand.

Takes 2 minutes · 100% free · No obligation
Question 1 of 9

What's your expected purchase price?

An estimate is fine — this helps us work out your deposit requirements and borrowing needs.

$
ℹ Not sure? Use $650,000 as a guide
Question 2 of 9

How much deposit do you have?

Include savings, family gifts, or First Home Super Saver amounts. This helps us calculate your LVR and whether LMI applies.

$
ℹ Understanding your LVR
Question 3 of 9

What best describes your situation?

Knowing where you're at helps us give you the most relevant next steps.

Question 4 of 9

Are you a first home buyer?

First home buyers may qualify for government grants, stamp duty exemptions, and the First Home Guarantee scheme.

ℹ What counts as a first home buyer?
Question 5 of 9

What kind of property are you looking to buy?

The property type can affect which loan products and grants you're eligible for.

Question 6 of 9

How will this property be used?

Owner-occupier and investment loans are structured differently — this helps us point you in the right direction.

Question 7 of 9

What do you think your credit history is?

Choose the option that best describes your credit — or select "I don't know" and we'll work through it together.

Question 8 of 9

Which state are you buying in?

Stamp duty concessions and first home buyer grants vary by state — this makes your results more accurate.

Question 9 of 9

What's your annual income?

Enter your gross (before-tax) income. If you're buying with a partner, include both — it directly affects your borrowing estimate.

Your income
$
Partner's income (optional)
$

Your results are ready

Enter your details to unlock your personalised borrowing estimate, grant eligibility, and tailored next steps — completely free.

🔒 No spam, ever. Used only to send your results and for our team to follow up if you'd like help.

Your personalised assessment

Here's where you stand, there

Estimated Borrowing Power
—
Based on your income and current rates
Deposit
—
LMI Status
—
First Home Guarantee
—
Est. Monthly Repayment
—
At approx. 6.3% p.a. over 30 yrs
Stamp Duty
—
What this means for you
Disclaimer: This assessment is for general information purposes only and does not constitute financial advice. Borrowing estimates are indicative only, based on general lending guidelines at approx. 6.3% p.a. Actual loan approval is subject to lender assessment, credit checks, and individual circumstances. Legacy Lane Finance Credit Representative 557276 | Australian Credit Licence 389328.
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