At First Home Buyer SA (FHBSA) we pride ourselves on our knowledge of the finance and real estate industries.
Our directors and managers have combined finance experience of more than 70 years and 40 years in the building industry.
We can tailor a house and land package to suit you, your lifestyle and most importantly your budget.
We are South Australian born and bred and we know our state like the back of our hands.
Whether you are looking at purchasing an apartment, villa or a four-bedroom home we are ready to help you take that first step towards home ownership.
We will source your first home from one of the many relationships we have with builders, developers and investors. Most importantly we will work with you to search for your perfect first home. The standout difference with FHBSA is that unlike others we won’t leave you once the sale is made as we are there for the whole journey and will monitor your home being built all the way to handover.
We’ll help you right through the process until the day you move into your new home.
We understand that one of the hardest parts of buying a new home is raising your deposit. That’s why through are parent company Total Investment Property Solutions we may be able to help with incentives from their relationships with builders and developers. We will also put a plan together to ensure you know exactly the amount you will need to buy your first home.
Here is an example:
Traditionally a first home buyer will spend up to $430,000 on their new house and land package.
Land $200,000 House $230,000 = $430,000 Total.
Most lenders will allow you to borrow up to 95% of the purchase price.
So, 5% deposit is $21,500.
As an eligible first home buyer, you will receive $15,000 from the First Home Owners Grant (FHOG).
$21,500 – $15,000 leaves just $6,500 required for your full deposit.
Still to pay are all the bank and government fees and this can vary considerably depending on your chosen lender.
Our expert home loan managers will show you all the options available to you and once you have chosen the lender we can then determine the amount you will need to proceed.
Remember through our relationships with builders and developers we may be able to help you get started with an incentive which you can use towards the deposit and or fees.
Once you are happy that all the numbers add up, our expert home loan consultant will help you submit a loan application for pre-approval, so you can start planning for your first home.
You may actually be ready now, however, if you’re not that’s fine we will help you put together a budget and plan to get you there.
Talking to the right person for finance could be the difference between buying your property now compared to years down the track.
You need to deal with a professional that knows their stuff and the process involved.
Our home loan specialist will ensure you are in your new home sooner than later and will be happy to meet at a time that suits you to discuss your needs.
Home loans are not the same and there are literally hundreds to choose from. We will explain the process, show you the options, tell you exactly what you need to do, and help you through the whole process.
Now if you have your finance organised by your bank and or broker that’s great we will deal with them and ensure all the paper work is available to you for submitting your application.
All this advice is absolutely free to you as a FHBSA client.
We have developed strong relationship with quality developers and builders to ensure your home is ready for you to move into from day one. We won’t leave you like many people who spend years trying to finish off their home with the final touches and sometimes important necessities like landscaping, blinds and curtains and even driveways. I’m sure you have driven past many homes that just sit there half completed.
At FHBSA we ensure you take ownership of a full turnkey home with absolutely nothing more to be done when you move in.
Features include:
We have an excellent range of house and land packages all over Adelaide to choose from, or we can discuss your perfect home and put a package together for you.
Apartment, single-storey, double-storey it doesn’t matter what you are after we will help you take that next step to find your perfect home.
Building a home is one of the most rewarding things you can do, however, trust us when we say it can also be very stressful if you try and do it on your own due to the many steps involved.
That’s where FHBSA comes in, as you can be confident that you will always have someone to help with any issues or questions you have along the way. In fact, we will take care of everything for you if you wish and when we say everything we mean everything. Sit back and let us handle the lot and we’ll let you know when it's time to pack and move.
So where to from here?
Let’s catch up to listen to what you want and the areas you want to live so we can establish a budget.
Let’s get your finance in place so you know how much you can spend.
Let’s work out how much deposit you will need and the fees that will be required by your lender as well as the purchasing costs.
Let’s check out what grants you are eligible for including the First Home Owners Grant and the free TIPS Money.
Let’s focus on what you can do, not what you can't do and start planning for your first home.
Once you're ready, let's check out some locations together and see what gets you excited.
The South Australian Government offers the First Home Owners Grant of $15,000 to get started with home ownership in SA when buying or building your new first home.
This amount can be used towards your deposit, fees, moving costs, furniture or for any good reason. It really depends on when you need it to when you apply for it. Most people will use it as required funds at settlement to make up the shortfall.
Almost everyone is eligible if they haven’t purchased a home previously, however, we will ensure that when we catch up we will let you know if you’re ok to apply for the grant.
The maximum property you can purchase must not exceed $575,000 however there are circumstances when building a new home where this can change that many people are not aware of.
You could be eligible for an incentive worth thousands from TIPS relationships to use towards your deposit or fees at settlement.
Each applicant is assessed differently, and at your first meeting with FHBSA we will let you how much you are eligible for and how you can lock in your free money!
It’s a simple process where we will commit to helping you if you commit to helping yourself to reach the goal that we agree to in taking the first step to becoming a first home buyer.
Just imagine getting an extra $1,000 - $2,000 or even $5,000 in incentives on top of the $15,000 FHOG from the state government which will take you closer to owning your first home. There may also be other grants available that we will research once we understand the home you are after. This could really get you going much sooner than you thought.
T :- 1300 719 412
F :- 1300 719 482
