Buying your first home is more than a milestone—it’s a moment that mixes nerves, numbers, and lifelong dreams. In 2025, first home buyers across Australia are facing rising property prices, tighter regulations, and shifting grant rules. But they’re also discovering that with the right support, buying a home is not just possible—it’s empowering.
At Crestpoint Financial, we specialise in helping Australians turn their “one day” into “day one.” Whether you’re just starting to explore or ready to apply, this guide is designed to walk you through each step with clarity and confidence.
🏡 Step 1: Understand Your Borrowing Power
Before you browse listings or dream up floor plans, you need to know what you can borrow. Crestpoint reviews your income, expenses, credit profile, and any government incentives available to you. Unlike banks, we’re not tied to a single product—we compare dozens to find what fits you.
“I thought I’d have to wait another year. Crestpoint helped me realise I could start now.”
— Ashleigh M., First Home Buyer, Brisbane
📝 Step 2: Get Pre-Approved (And Know What That Means)
Pre-approval isn’t a guarantee—but it’s your ticket to shop with confidence. We help you get pre-approved fast, so agents take you seriously and sellers see you’re ready. We also explain what’s in the fine print and what to avoid.
🎯 Step 3: Maximise Your Grant and Deposit
2025 brings continued updates to first home buyer schemes across Australia—grants, stamp duty exemptions, and shared equity options. At Crestpoint, we know which ones you’re eligible for, and we make sure your application is airtight.
🛠️ Step 4: Choose the Right Loan Structure
Fixed or variable? Offset account or redraw? Principal and interest, or interest-only? We simplify the loan structure options based on your lifestyle, income flow, and future plans. Your first home should empower you—not stretch you thin.
🧾 Step 5: Settlement, Strategy, and Support
We liaise with your real estate agent, conveyancer, and lender to ensure settlement goes smoothly. But our relationship doesn’t stop there. We’ll monitor your loan, guide you through refinancing when the time is right, and support you as life evolves.
Why First Home Buyers Trust Crestpoint
- Unbiased Loan Comparisons: We work with over 30 lenders to give you better choices.
- Government Scheme Experts: We help you access grants, avoid LMI (if eligible), and secure approvals faster.
- Dedicated Advisors: No bots, no call centres. Just real people who know your name and care about your outcome.
- Support Beyond Approval: We stay in touch and help with future upgrades, refinancing, or investment planning.
✨ Real Buyer. Real Story.
“I thought buying my first home would be stressful. But with Crestpoint, I felt supported and informed at every turn.”
— Nathan L., First Home Buyer, Perth
🎉 Ready to Own Your First Home?
Whether you’re planning, pre-approved, or panicking—we’ve got your back. Let Crestpoint Financial guide you from dream to door key with expert advice and a strategy tailored for you.
📞 Book your free first home buyer consultation today.
Let’s make 2025 your year to own.
