First Home Buyer Loans
First Home Buyer Support Without the Jargon
Buying your first home can feel overwhelming. We are here to give you clear answers, practical guidance, and support that puts your interests first.
- Are unsure how much deposit you really need
- Want to find out which government grants or concessions you may be eligible for in Queensland and beyond
- Don’t know where to start or which lender to trust
- Have been told “no” by a bank and don’t understand why
- Are currently renting and want to explore buying
- Want a broker who explains everything in plain English and acts in your best interest
If this sounds like you – you’re in the right place.
Expert Support That Takes the Guesswork Out of Buying Your First Home
When you work with Horizon Financial Solutions, you’re not just getting a loan comparison – you’re getting a clear plan and ongoing support.
Here’s what you can expect:
Clarity From Day One
We explain borrowing capacity, deposits, repayments, grants and lender policies so you know exactly where you stand.
Matched Lender Options
We compare 60+ lenders to help identify loan options that align with your income, deposit, and long-term goals.
Guidance on Grants & Concessions
We help you understand potential eligibility for the First Home Owner Grant (FHOG) and stamp duty concessions in Queensland.
Support From Start to Settlement
From pre-approval to paperwork to settlement day. We manage the process and keep you informed the whole way.
Local Expertise You Can Trust
While we live and work locally in Cedar Grove, we provide first home buyer loan solutions across the states of Australia.
Let’s Find Your First Home Loan Together
Take the stress out of buying your first home.
Speak with a local broker who explains your options clearly and guides you every step of the way.
Our First Home Buyer Process
Initial Chat
Borrowing Capacity & Deposit Review
Grants & First Home Buyer Support
Lender & Loan Comparison
We compare options across 60+ lenders, explaining the pros, cons, and key differences in plain language.
Application & Approval
Settlement & Ongoing Support
See What Our First Home Buyer Clients Are Saying
Andrew and his team are an absolute dream to work with for first home buyers like us.
It was scary stepping into this world of legal contracts and documents and processes but Andrew made it simple and easy to understand. He walked us through each step with regular updates and catch ups, and we always felt like first-class clients the way he would respond to our questions and needs.
Andrew’s extensive knowledge and experience put us at ease, knowing we were in good hands. We got to witness firsthand his problem-solving, compassion, and resourcefulness. We are so happy to be celebrating securing our home loan, thanks to Andrew and the team at Horizon!
We will absolutely recommend Horizon Financial Solutions to anyone and everyone!
Andrew was recommended to me by a friend and I can understand why.
Being a first home buyer I had a lot of uncertainty about the financing and purchase process but Andrew and April were fantastic the whole way – pre and formal approval, hunting and making offers, answering many questions, all the way up to my last minute changes. Every step was transparent and efficient.
I’m very pleased with the loan options provided for my situation and the package I chose and would absolutely recommend their services.
First Home Buyer Questions, Answered
How much deposit do I need as a first home buyer?
Deposit requirements vary depending on the lender and your circumstances. Some buyers may enter the market with a lower deposit, while others aim for 20% to avoid lender’s mortgage insurance (LMI). We’ll help you understand what’s realistic for you.
What grants are available for first home buyers in QLD?
Can I buy my first home if I have a low deposit?
What if my bank already said no?
Do I need pre-approval before house hunting?
How long does the process take?
Your First Home Checklist
Getting organised early can make the process much smoother. Don’t worry if you don’t have everything yet – we’ll guide you.
You may be asked to provide:
We’ll let you know exactly what’s needed — and when.
Helpful Resources for First Home Buyers
You may also find these guides useful:
How to get into the market with a low deposit
Understanding first home buyer grants and concessions
What lenders really look for in your application
Ready to Take the First Step?
Buying your first home doesn’t have to feel overwhelming.
Speak with a local mortgage broker who listens, explains your options clearly, and supports you every step of the way.
Speak to Your Local Mortgage Broker Today
Phone Horizon Financial Solutions
Based in Cedar Grove, QLD
Get personalised home loan advice.
Whether you’re buying your first home, refinancing, or investing, we’re here to guide you every step of the way.