The government offers thousands of dollars in grants and savings for first home buyers. Sila navigates every scheme on your behalf — at no cost to you.
Buying your first home is one of the biggest decisions you'll ever make, and the finance side can feel genuinely overwhelming. At Seamless Edge, that's exactly where we come in. Sila has helped hundreds of first-time buyers across Australia cut through the confusion, access the right grants, and walk into their first home with real confidence.
Sila calculates your real borrowing power — accounting for income, expenses, debts, and lender-specific policies — so you shop with confidence.
We map out every grant, scheme, and exemption you qualify for — FHOG, First Home Guarantee, stamp duty, FHSS — and handle all the paperwork.
Not one bank — over fifty lenders. We find the loan product and rate structure that fits your situation, goals, and timeline best.
From the first call through to settlement day — and beyond. Sila is available evenings and Saturdays, and responds the same day.
Many of these schemes can be combined — Sila will identify your complete entitlement in your first free consultation.
The First Home Guarantee (formerly First Home Loan Deposit Scheme) is a federal government program that allows eligible first home buyers to purchase with a 5% deposit without paying Lenders Mortgage Insurance (LMI). The government guarantees up to 15% of the loan value.
Check My Eligibility — FreeThe FHOG is a one-off cash payment from state governments for eligible first home buyers purchasing a new or substantially renovated home.
Check My Eligibility — FreeFirst home buyers across Australia can save thousands on stamp duty. Exemptions and concessions apply to properties at or below the price thresholds set by your state's revenue office.
Check My Eligibility — FreeThe FHSS Scheme lets you save money for your first home inside your superannuation fund, where the concessional tax rate may help you save faster.
Check My Eligibility — FreeSimilar to the First Home Guarantee but designed specifically for buyers purchasing in regional Australia. Allows eligible buyers to purchase with a 5% deposit and no LMI in designated regional areas.
Check My Eligibility — FreeThe Family Home Guarantee supports single parents with at least one dependent child to buy a home sooner, with an even lower deposit requirement.
Check My Eligibility — FreeIn most cases, lenders require a minimum 20% deposit to avoid Lenders Mortgage Insurance (LMI). However, with government schemes like the First Home Guarantee, eligible buyers can purchase with as little as 5% deposit with no LMI. Single parents may qualify for just 2% deposit through the Family Home Guarantee. Sila will advise the minimum deposit required for your specific situation.
The First Home Guarantee is a federal government program that allows eligible first home buyers to purchase with a 5% deposit without paying LMI. The government guarantees up to 15% of the loan, meaning you avoid LMI — saving potentially $10,000–$30,000+. Sila will check your eligibility and apply on your behalf.
Yes — many schemes can be stacked. For example, you may be able to use the First Home Guarantee (5% deposit, no LMI) alongside the First Home Owner Grant and a state-specific stamp duty exemption at the same time. Sila maps out your complete entitlement in your first free consultation.
The FHOG is a one-off cash grant from state and territory governments for eligible first home buyers purchasing a new home. The grant amount varies by state (for example, between $10,000 and $20,000). The property must be newly built or substantially renovated. Sila handles the full application as part of your loan process no matter where you live.
First home buyers across Australia may qualify for full stamp duty exemptions or partial concessions. The exact thresholds and rules depend on the state or territory in which you are purchasing. Additional concessions may also apply for off-the-plan purchases. Sila will calculate your exact saving upfront.
The FHSS allows you to save up to $15,000 per year ($50,000 total) inside your superannuation as a deposit, with potential tax advantages. Couples buying together can each access up to $50,000, creating a combined deposit pool of $100,000.
Pre-approval typically takes 3–7 business days once all documents are submitted. Full approval after finding a property takes another 3–10 business days depending on the lender. Settlement is usually 30–90 days after signing contracts. Sila manages the entire timeline and keeps you informed at every stage.
"Sila explained everything so clearly from the very first call. We had no idea we qualified for the First Home Guarantee until she walked us through it. We were in our home within six weeks. She is absolutely amazing."
"Sila found a stamp duty exemption we didn't even know existed and saved us over $20,000. She was available every step of the way — even on weekends. The whole experience was calm, guided, and professional."
"As a Pacific Islander it meant so much to work with someone who genuinely understood our community and our values. Sila spoke to us like family. From the first call to settlement day, the process felt guided and calm."
In your free consultation, Sila will map out every grant and scheme you are eligible for, your exact borrowing capacity, and the next steps to get you into your first home.