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You may not be aware, but there are literally hundreds of different loan products available.  We deal with about thirty different lenders, and each of them have their own special niches that sets them apart from the others.  First home buyers are a very special niche and there are a few lenders that offer something special for them.  At the time of writing this, there is one that will allow a loan to value ratio of 98%, and that's only for first home buyers.  Others will offer a special interest rate on the home loan.

If you are building a new home so that you can get the First Homeowners Grant, most banks and lenders will process the application for you and credit the grant towards the first building progress payment.  If you were to apply for it directly with the State, you wouldn't get it until the home is built, and that's a bit late, given that you need that money to build it!

With a lot of different options available, and with them being offered by different lenders, it's important to use the services of a mortgage broker, such as Beth here at Grace Loans.  She has the knowledge and experience to help you find a suitable loan at a low cost and see your dream home come to reality.