Buying a home is a big step that comes with a lot of big decisions. That’s where we can help you.

Get a First Home Owner Grants (FHOG)

If this will be your first home, we can apply for a First Home Owner Grant, discount or stamp duty concession funded by your state or territory government.

To check whether you are eligible, please visit and click on the state or territory where you intend to buy your home.

Fast track my home deposit

If you just can’t wait to save the deposit, you may be able to borrow your deposit amount using Your Future Strategy’s Deposit Loan. This will be set up separately to your home loan. Usually it is over the same loan term as your home loan so it doesn’t affect your serviceability calculations with your key lender. Most borrowers will pay the Deposit Loan off as a priority, using a top up or refinance of their home loan.

Start saving

If you haven’t already, it’s time to start saving. No matter whether you are planning a trip or saving for a home deposit – you need to know you have enough money to do what you want to do.

Let’s set some savings goals and plan a budget so you can get on your way sooner.

It’s often a good idea to keep your savings money separate by setting up an automatic payment into a separate savings account away from your everyday transaction account.

Find the right property loan

We’ll start by looking at your savings or equity to work out whether you have enough money for a deposit on a home in the price range you’re considering.

Our lending specialists will arrange a pre-approval so that you’re ready to commit when the right property becomes available. We may also recommend using an offset account to reduce the interest you pay on your loan. This may save you years of loan payments, which equates to thousands of dollars.

We’ll also take your future plans into account when structuring your loan. If you have hopes of building a property portfolio, we will assist ensuring your loans are not cross-securitising to allow for future borrowing.

Posted on 22/03/2024

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