FIRST HOME BUYER SPECIALIST

Step Onto the Property Ladder with Confidence.

Purchasing your very first property in Sydney doesn’t have to be complicated. We guide you through 5% deposit schemes, stamp duty exemptions, and pre-approvals across 40+ lenders — 100% free of charge.

YOUR FIRST HOME JOURNEY

How We Help Sydney First Home Buyers

Buying your first home is one of the most exciting milestones of your life, but navigating borrowing capacities, lender policies, and government grants can feel daunting.

At Top Deal Finance, Varjeet Singh acts as your personal advocate from day one. We analyze your savings, calculate your true maximum borrowing power, and verify your eligibility for all current Commonwealth and NSW First Home Buyer incentives.

5% Deposit Without LMI

Take advantage of the Australian Government's Home Guarantee Scheme to buy with as little as a 5% deposit while paying $0 in Lenders Mortgage Insurance.

NSW Stamp Duty Savings

In NSW, eligible first home buyers pay zero transfer duty on properties valued up to $800,000, and receive concessional rates up to $1,000,000 — saving up to $31,000+.

Stress-Free Pre-Approval

Know your exact buying budget before making offers or bidding at auctions. We secure reliable conditional pre-approvals that protect your deposit.

Family Guarantor Loans

Don't have a full 20% deposit saved? A family pledge or guarantor loan enables you to borrow up to 100% of the purchase price without paying any LMI.

THE ROAD MAP

Step-by-Step to Holding Your Keys

01

Initial Assessment

We calculate your borrowing power, budget, and review credit history in a quick 15-minute phone consultation.

02

Pre-Approval

We compare 40+ lenders, lodge your application, and get you conditionally approved so you can shop with certainty.

03

Contract to Settlement

When you find your dream home, we order the valuation, liaise with your conveyancer, and guide you right to settlement.

HELPFUL ANSWERS

First Home Buyer FAQs

While banks traditionally prefer a 20% deposit, eligible first home buyers can purchase with as little as 5% genuine savings through government guarantee schemes or family pledge guarantor setups.

No! Our service is 100% free of charge to you. The chosen lender pays us an industry commission upon settlement. You receive objective advice with zero fees.

Most bank pre-approvals are valid for 90 days (3 months). If you haven’t purchased within that window, we can easily extend or refresh it with updated payslips.

Call 0411 375 973