As a dedicated first home buyer mortgage broker in Perth, Strawberry Finance helps you understand your true borrowing power, navigate lender policy, access government grants and manage the entire approval process with clarity and confidence. We remove the confusion so you can focus on finding your perfect home
Buying your first home in Perth comes with excitement and real complexity. Deposit requirements, borrowing rules and incentive schemes change across lenders, creating uncertainty for first-time buyers. We simplify every step by using real lender policy – not generic calculators – to assess your position and build a loan structure that supports your long-term financial stability. Use our stamp duty calculator to estimate your upfront costs.
We calculate your borrowing capacity using actual lender criteria, not generic online tools
We check all available first home buyer incentives to maximise your benefits.
Your loan is designed to support both your purchase and your financial future.
Your documents and submissions are handled with care to reduce delays and stress.
First home buyers in Perth may be eligible for multiple government incentives that reduce your upfront costs significantly. As your first home buyer mortgage broker in Perth, we check every available scheme during your initial consultation – at no cost to you.
Up to $10,000 for eligible first home buyers purchasing or building a new home in WA.
Buy with just 5% deposit - no LMI payable. Unlimited places available from Oct 2025.
First home buyers may receive a full or partial stamp duty concession in Western Australia.
Extra support for buyers purchasing in regional WA - same 5% deposit, no LMI conditions.
Eligibility rules vary by scheme, and understanding them is essential before applying. Strawberry Finance manages every step of the process as part of our specialised home loan broker service for first home buyers, ensuring your application is structured properly from the start. To understand the program in detail, you can learn more about the First Home Guarantee Scheme on the official NHFIC website.
We don’t just find you a loan – we design a lending strategy that supports your short-term plans and long-term wealth. As a trusted first home buyer broker in Perth, we put structure and real lender policy first.
We calculate borrowing power using real lender policy, not generic online calculators, for results you can trust
From pre-approval to settlement, we manage the entire process - including paperwork, lender follow-ups and grant applications.
Every first home buyer situation is unique. We structure your loan to match your income, deposit level and long-term financial goals.
We compare home loan products across 60+ lenders - including banks, non-banks and specialist first home buyer lenders - to find your best fit.
Lenders
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End to End Support
We break the first home buyer journey into simple, structured stages so you always know what is happening, why it matters and what comes next – from borrowing power to handing over the keys
We calculate your borrowing power using real lender policy, confirm your deposit requirements and check every grant or scheme you may be eligible for — including the FHOG and First Home Guarantee. Use our loan repayment calculator to understand your monthly commitments before we meet.
We outline the best loan structure for your goals and shortlist lenders whose policies match your situation. No generic calculators. No guesswork. Just a strategy built around your financial position as a first home buyer in Perth.
Your documents are packaged correctly from the start. We handle assessors, follow-ups and all lender communication so your approval moves quickly and cleanly. We also manage your FHOG and scheme applications simultaneously.
We coordinate valuations, settlement requirements and professional partners. After you move in, we continue reviewing your loan every year to keep your structure strong and your interest rate competitive
Buying your first home in Perth brings up a lot of questions. From deposit sizes to government grants, the rules can be confusing depending on which lender you speak to.
We believe in total transparency. Here are the answers to the questions we hear most often from first-time buyers in Perth – answered with the same clarity and honesty we bring to every client conversation.
Online calculators generally use a “one-size-fits-all” formula that can often be inaccurate. At Strawberry Finance, we assess your borrowing capacity using real lender policies and actual credit criteria. This means the figure we give you is a realistic reflection of what banks are likely to approve, giving you the confidence to make offers without the fear of finance falling through.
Absolutely. As your first home buyer mortgage broker in Perth, we check every available state and federal incentive during your initial consultation – including the First Home Owner Grant (FHOG WA), the First Home Guarantee Scheme (5% deposit, no LMI), the Regional First Home Buyer Guarantee, and stamp duty concessions. Part of our Assess Your Position stage involves confirming your specific eligibility to ensure you maximise your benefits and reduce upfront costs.
While a 20% deposit avoids Lenders Mortgage Insurance (LMI), many first home buyers in Perth can enter the market with as little as 5% – especially through the First Home Guarantee Scheme, which removes the LMI requirement entirely. Your required deposit depends on your income, the property price and your scheme eligibility. Read our detailed blog: ‘First Home in Perth with Just 5% Deposit in 2026’ for a full breakdown.
Yes, we provide full end-to-end support. From packaging your initial application correctly to handling lender queries, valuations and settlement requirements, we manage the entire administrative burden. Our goal is to make the journey from application to getting your keys as smooth and stress-free as possible for every first home buyer we work with.
Most first home loan applications in Perth take between 5 to 15 business days to receive formal approval, depending on the lender and how complete your documentation is. At Strawberry Finance, we pre-package your application using real lender criteria to minimise delays. One of our clients received formal approval in just 6 working days. We also manage all lender follow-ups so you never have to chase the bank yourself.
Our specialists are ready to assist you with immediate support and accurate guidance for every service requirement.
32 Endeavour Road, Hillarys WA 6025
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