First Home Buyers
Buy your first home with confidence. We help first home buyers navigate grants, deposits, and loan approvals.
One team managing your finance and property journey from start to finish.
Get your First Home Loan plus understand any First Home Buyer Grants & Incentives
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.
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 simplify the property journey by bringing everything together under one trusted brand. One team. One plan. One point of contact.
Government Grants & Schemes
We help you understand which grants and concessions you're eligible for, so nothing gets overlooked.
Pre-Approval First
Know exactly what you can afford before you start house hunting, so you can make confident offers.
Guided Every Step
From your first conversation to collecting the keys, one team supports you through the entire process.
Ready to talk finance?
Book a one-on-one consultation with Sara to talk through your options.
How much can you borrow?
In 60 seconds, understand how much you can borrow to buy your home or investment property.
Get Started
Which first-home buyer benefits could you get?
Answer a few questions and we'll shortlist the WA and Australian Government grants, concessions and lending programs that may be relevant to your situation.
Check My BenefitsBuying your First Home with a Home Loan
We make buying your first home simple, clear and stress-free from start to finish.
Let's Talk
Start with a video call or appointment to understand what you want to achieve and your current position.
Gather the Details
We collect the documents and information needed to properly assess your position.
Build Your Loan Plan
We research suitable lenders, compare options and develop a recommended loan strategy.
Application & Approval
We prepare and submit the application, liaise with the lender and manage the process through to approval.
Settlement
We coordinate the final steps with the lender and relevant parties until the loan settles.
Ongoing Support
The relationship doesn't end at settlement. We remain available for questions, future reviews and your next move.
Let's Talk
Start with a video call or appointment to understand what you want to achieve and your current position.
Gather the Details
We collect the documents and information needed to properly assess your position.
Build Your Loan Plan
We research suitable lenders, compare options and develop a recommended loan strategy.
Application & Approval
We prepare and submit the application, liaise with the lender and manage the process through to approval.
Settlement
We coordinate the final steps with the lender and relevant parties until the loan settles.
Ongoing Support
The relationship doesn't end at settlement. We remain available for questions, future reviews and your next move.
We work with Australia's biggest lenders
Frequently Asked Questions
The timeline varies depending on several factors, including your financial situation, the type of property you're purchasing, and the lender's current processing times. Generally, from initial application to final approval, you should allow between two to six weeks. Pre-approval can often be obtained within a few days. At Rowe Finance & Property, we work diligently to progress your application as efficiently as possible.
In most cases, our services at Rowe Finance & Property don't cost you anything out of pocket. Mortgage brokers are typically paid a commission by the lender once your loan settles. The commission structure doesn't affect the loan terms you receive, as lenders offer the same products and conditions whether you approach them directly or through a broker.
Absolutely. Self-employed individuals, contractors, and those with non-traditional income sources often face additional challenges when applying for finance. At Rowe Finance & Property, we specialise in presenting your financial situation in the most favourable light possible and understand which lenders are more accommodating towards self-employed borrowers.
We offer flexible appointment options to suit your needs. Clients can meet with us online from anywhere, or Perth-based clients may choose to book an in-person appointment at a designated location. All bookings can be made via the Bookings tab.
When you approach a bank directly, you only have access to that institution's products and policies. A mortgage broker works with multiple lenders across the market, giving you access to a broader range of loan products. At Rowe Finance & Property, we compare options across our entire lending panel to find solutions that suit your circumstances.
A finance and mortgage broker acts as an intermediary between you and potential lenders. Rather than approaching banks and financial institutions yourself, a broker does the legwork on your behalf. We assess your financial situation, understand your goals, and then search across our panel of lenders to find suitable loan options that align with your needs.
Don't just take our word for it
Genuine reviews from the official Rowe Finance & Property Google Business Profile.
"Excellent advice and very personable, gave me a good head start to get on track to getting my own place."
Jay Sinclair
Verified Client
"Sara was very professional and assisted with all the enquiries i put forward to her. She highlighted all that is required of me and how to go about them, in ord…"
Emmanuel Niki
Verified Client
"Great service and a lovely pleasant lady to deal with. Thank you Sara."
David Winstanley
Verified Client
"A great broker no matter where you are on your journey. They help with any questions without rushing, they make sure you understand everything. Highly recommend…"
Chloee Summers
Verified Client
"Sara is really professional and understanding. She is also a great listener. She took the time to understand my goals and designed a strategy to help me buy my…"
John A
Verified Client
"Great knowledge and insight I will definitely be considering them when the time is right for me to buy."
Anthony Kinnane
Verified Client
"Sara helped me and my family with our first home. The whole process was super personalised and almost completely stress free. I will be recommending Sara to my…"
Corey Abbott
Verified Client
"Sara made me feel comfortable, listened to me, and took the time to make sure I understood everything we discussed. I would definitely recommend Rowe Finance to…"
Gemma Lea
Verified Client
"Sara is super knowledgeable and has a genuine care in helping you find what is best for you! Her support has been outstanding so far. You can tell she definitel…"
Sharna Le
Verified Client
"After a rough go with a different broker, Sara stepped in and explained everything to us as first time home buyers. She has taken every step to guide us and we…"
Kersty McCloy
Verified Client
"Thanks to Sarah from Rowe Finance for providing insightful information and advice on navigating my journey to be a home owner. Sarah ensured she covered all the…"
Janee Jamal
Verified Client
"Sara was a great help in securing a lender for our First Home. She was honest, patient and was overall a pleasure to work with. She was super quick to respond t…"
Joshua Kitson
Verified Client
"Excellent advice and very personable, gave me a good head start to get on track to getting my own place."
Jay Sinclair
Verified Client
"Sara was very professional and assisted with all the enquiries i put forward to her. She highlighted all that is required of me and how to go about them, in ord…"
Emmanuel Niki
Verified Client
"Great service and a lovely pleasant lady to deal with. Thank you Sara."
David Winstanley
Verified Client
"A great broker no matter where you are on your journey. They help with any questions without rushing, they make sure you understand everything. Highly recommend…"
Chloee Summers
Verified Client
"Sara is really professional and understanding. She is also a great listener. She took the time to understand my goals and designed a strategy to help me buy my…"
John A
Verified Client
"Great knowledge and insight I will definitely be considering them when the time is right for me to buy."
Anthony Kinnane
Verified Client
"Sara helped me and my family with our first home. The whole process was super personalised and almost completely stress free. I will be recommending Sara to my…"
Corey Abbott
Verified Client
"Sara made me feel comfortable, listened to me, and took the time to make sure I understood everything we discussed. I would definitely recommend Rowe Finance to…"
Gemma Lea
Verified Client
"Sara is super knowledgeable and has a genuine care in helping you find what is best for you! Her support has been outstanding so far. You can tell she definitel…"
Sharna Le
Verified Client
"After a rough go with a different broker, Sara stepped in and explained everything to us as first time home buyers. She has taken every step to guide us and we…"
Kersty McCloy
Verified Client
"Thanks to Sarah from Rowe Finance for providing insightful information and advice on navigating my journey to be a home owner. Sarah ensured she covered all the…"
Janee Jamal
Verified Client
"Sara was a great help in securing a lender for our First Home. She was honest, patient and was overall a pleasure to work with. She was super quick to respond t…"
Joshua Kitson
Verified Client
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