First home, no guesswork.
From your first deposit conversation to settlement day — we make buying your first home in Australia simple, transparent and grant-optimised.
We line up every government scheme you qualify for (First Home Guarantee, FHOG, stamp duty concessions), pre-approve you with the right lender, and stay on the phone until the keys are in your hand.
Request a free assessment
A real broker calls you back within 5 minutes during business hours.
Why Insta Finance
Built around your file.
Every grant, mapped
First Home Guarantee, FHOG, state-based stamp duty concessions and Help to Buy — we check eligibility for every scheme.
Low-deposit lending
Buy with as little as 5% deposit (and no LMI for eligible buyers) through Government-backed lender panels.
Guarantor structures
Family pledge, security guarantor and gifted-deposit strategies structured to protect everyone involved.
Pre-approval in days
Walk into open homes knowing exactly what you can spend — and bid with confidence at auction.
How it works
A clear path forward.
Borrowing power
15-minute call to map your deposit, income and goals.
Scheme check
We confirm which grants and guarantees you qualify for.
Pre-approval
Conditional approval lodged with the right lender in days.
Settlement
We coordinate solicitor, valuer and lender through to keys.
Common questions
FAQs
How much deposit do I really need to buy my first home?+
Most lenders want 5–20%. With the First Home Guarantee you can buy with just 5% and pay no Lenders Mortgage Insurance. Without it, 20% avoids LMI; below that, LMI usually applies.
What is the First Home Guarantee?+
A Federal Government scheme that lets eligible first home buyers purchase with as little as 5% deposit without paying LMI. Places are limited each financial year — we lodge early to secure your spot.
Can my parents help me buy without giving cash?+
Yes. A family security guarantee uses equity in their home as additional security, often avoiding LMI entirely. We structure it so their exposure is limited and released as soon as possible.
How long does pre-approval take?+
Typically 2–5 business days once we have your payslips, ID and bank statements. We chase the lender daily so nothing stalls.
Does it cost anything to use a first home buyer broker?+
No. We're paid by the lender on settlement, so our service is completely free to you.
Get started
Ready for the keys?
Free, no-obligation first home buyer strategy session. We'll show you your borrowing power, which grants apply, and the next steps to settlement.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees