Buying your first home is one of the most significant decisions you'll ever make. There's a lot to get right — and a lot that can go wrong if you don't have the right advice. Blambles has guided hundreds of first home buyers through this process, making it straightforward and setting them up correctly from the start.
If you're buying your first home, you're probably feeling a mixture of excitement and genuine anxiety. There's so much information — and so much of it seems to contradict itself. How much deposit do you actually need? What grants and schemes are you entitled to? Can you afford to buy in the suburbs you actually want to live in? And how do you even start the process without wasting months going in the wrong direction?
First home buying is complex partly because the landscape keeps changing. The Queensland First Home Owner Grant, federal government schemes like the First Home Guarantee and the Regional First Home Buyer Guarantee, stamp duty (transfer duty) concessions, the First Home Super Saver Scheme — each of these has its own eligibility rules, price caps and application process. Missing out on something you were entitled to because no one told you is genuinely frustrating, and it happens more often than it should.
There's also the challenge of understanding what you can actually borrow. Online calculators give you a rough figure — but they don't account for your specific lender's assessment of your income, your existing debts, your living expenses or the type of property you're buying. Getting pre-approved with the right lender gives you a real, reliable budget — not a ballpark estimate that falls apart when you're under contract.
And then there's the process itself: the offer and acceptance, the building and pest inspection, the finance clause, the conveyancer, the settlement. For first home buyers, every step feels unfamiliar. Blambles walks you through every part of it, in plain English, so you're never making a major decision without understanding what it means.
Grants, concessions, schemes and the right loan — all in one consultation. Blambles makes sure you get every dollar you're entitled to.
Learn more →Know your budget before you start inspections. Pre-approval gives you confidence and credibility when you make an offer.
Learn more →Explore your options if you don't have a 20% deposit — from the First Home Guarantee to LMI to guarantor arrangements.
Learn more →If your parents have equity in their home, a guarantor arrangement can get you into the market without LMI — properly structured to protect everyone.
Learn more →Building your first home? Access the $30,000 QLD First Home Owner Grant (new builds only) and get the construction loan structure right from day one.
Learn more →Blambles approach with first home buyers is simple: before he touches anything to do with lenders or applications, he makes sure you understand exactly where you stand. That means a genuine conversation about your deposit, your income, your savings history, your eligibility for grants and schemes — and what your realistic options are. He doesn't just run numbers; he explains what they mean for your decision.
With access to 40+ lenders, Blambles can find the right loan for your specific situation — not just the most convenient one or the one with the biggest advertising budget. Different lenders assess first home buyer applications differently, and the right match makes a real difference: to your rate, to your approved loan amount and to your long-term repayment burden.
There is no cost to you for the broker service — Blambles is paid by the lender after your loan settles, and this doesn't affect the rate or terms you receive. More importantly, his obligation under Australian law is to act in your best interest — not the lender's. That's a meaningful commitment, and it's one he takes seriously with every client.
The FHOG QLD is available to eligible buyers of new homes or substantially renovated homes valued under the current threshold. You and any co-borrowers must not have previously owned a residential property in Australia, and you must occupy the home as your principal residence within 12 months of settlement (or completion of the build). Blambles confirms your eligibility in the first consultation — before you commit to anything.
From initial consultation to settlement, the process typically takes 3–6 months — though it can be faster or slower depending on how quickly you find the right property and how competitive the market is. Getting pre-approved early means you're ready to move quickly when the right property appears. Blambles manages all the finance-related steps — your main focus is finding the property.
Stamp duty (transfer duty) — though first home buyers in Queensland may pay zero on homes up to $500,000 — conveyancing and legal fees (typically $1,500–$3,000), building and pest inspection ($400–$700), and LMI if your deposit is below 20% (varies significantly). Blambles will give you a full upfront cost estimate tailored to your purchase price and situation before you sign anything.
Through the First Home Super Saver Scheme (FHSSS), you can make voluntary contributions to superannuation (taxed at 15%) and then withdraw up to $50,000 to use as your deposit. The scheme requires that contributions were made specifically for this purpose, and there are annual limits on how much you can contribute. It can be a tax-effective savings strategy if you start early enough. Seek financial advice about whether the FHSSS is right for your situation.
Joint borrowing is very common for first home buyers, and lenders assess both incomes combined against the combined liabilities. If one borrower is self-employed or has a more complex income structure, Blambles will assess how different lenders view that combination and which lender is best placed to approve you at the best terms. Different income types are assessed differently between lenders — this is exactly the kind of nuance a broker manages on your behalf.
Free consultation, no obligation. Blambles will confirm your eligibility for grants and concessions, work out your borrowing power and find the right lender — at no cost to you.