First Home Buyer Loans in Perth
Buying your first home in Perth means lining up a deposit, government help and a lender who will say yes. A first home buyer broker compares loans across a panel of banks and non-bank lenders, checks your eligibility for schemes, and manages the application through to settlement. Most are paid by the lender, so their help is often free to you.
What to look for
- Scheme knowledge: the WA First Home Owner Grant, stamp duty concessions, the Home Buyer Assist and the federal 5% deposit scheme all have price caps and conditions that change.
- Panel breadth: ask how many lenders they use and whether they include smaller ones.
- Clear disclosure: commissions, trail payments and any fees should be explained before you sign.
- Local experience: a broker who knows Perth valuations and suburb price ranges can spot problems early.
How our scoring helps
With 313 businesses listed, we rank them so you can shortlist quickly. See the ranked guide to mortgage brokers for the top picks, and read the methodology to see what we measure and how.
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All first home buyer loans, ranked by score and relevance
We found 313 businesses offering first home buyer loans; 308 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is first home buyer loans, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
Quote and contact requests you submit through our forms may be passed to one or more partner providers who can carry out the work, and we may receive a fee for those referrals. Rankings and scores are not influenced by referral fees and remain separate from our independent, published scoring method.
Common questions about first home buyer loans
- How much does a first home buyer broker cost?
- Often nothing upfront. Most brokers are paid commission by the lender once the loan settles. Some charge a fee for complex cases, so ask for any fee in writing before you commit.
- How often will I need a broker?
- Usually once for the purchase, then again if you refinance, often after 2 to 4 years when your rate or circumstances change.
- What should I expect during the process?
- An initial chat about income, savings and goals, document collection, a pre-approval, then a formal application once you have a contract. Pre-approval usually takes a few days to a couple of weeks.
- How can I judge a broker's quality?
- Check they hold an Australian credit licence or are a credit representative, ask which lenders they compare, and ask how they are paid. Good brokers explain why they recommend a loan, not just the rate.
Guides to choosing first home buyer loans
- First home buyer grants and schemes in WA, compared
The $10,000 WA grant, no stamp duty up to $600,000, and the 5% Deposit, Help to Buy and Keystart schemes, with the caps that changed on 7 May 2026.
- Costs of buying a first home in WA
Costs of buying a house in WA beyond the deposit: first home buyer duty from $0 to $32,300, Landgate fees, settlement agents, lender fees and LMI.
- Guarantor home loans: how a family guarantee works
Guarantor home loan explained: a $600,000 Perth example, the 4 risks for the parent, 6 Banking Code protections, and how to get the guarantor released.