First home buyer guides
Written for buyers on both sides of the border.
I’m Steph, a mortgage broker on the Tweed Coast. Most of the first home buyers I work with are deciding between the NSW and Queensland sides of the border, and each side has its own grants, stamp duty rules and price caps. These guides explain how it all fits together in plain English. When you’re ready to apply it to your own situation, see how I work as a first home buyer mortgage broker.
NSW vs QLD first home buyer schemes: a border buyer’s guide
Which state’s grants and stamp duty rules apply, and how the same budget plays out on each side of the border, with worked examples.
The First Home Guarantee explained (2026)
Buying with a 5% deposit and no lenders mortgage insurance: how the scheme works, the local price caps and how to apply.
The first home buyer checklist for border buyers
Every step from saving to settlement, with local notes on flood maps, estate covenants and inspections. Printable, no sign-up.
Rather just ask?
A free 15-minute call will tell you where you stand. No obligation, no jargon.
Book a free 15-min callStephanie Newman Australian Credit Representative number 388799 and Coastal Home Lending Pty Ltd Australian Corporate Credit Representative number 578712 are licenced Credit Representatives of Australian Finance Group Ltd Licence number 389087. ACN 066385822. This is general information only. Please seek personal financial advice tailored to your circumstances.