Buying your first home is an exciting milestone, and we’re here to make the journey easier. At Clear Path, we simplify the process, providing expert advice and personalised financial solutions across Australia to help you secure the perfect home loan with confidence and ease.
Buying your first home can feel overwhelming — but you don’t have to do it alone. At Clear Path, we’re here to guide you through every step, helping you find the right loan, access any incentives you may be eligible for, and navigate the process with confidence. Having a dedicated team by your side can make all the difference. Here’s what we offer:
Understanding how much to save is crucial. From calculating your total deposit requirement to factoring in stamp duty and other fees, we help you build a savings plan that accelerates your path to homeownership. We dive into how these specialised loans can offer lower deposit requirements, reduced fees, and access to government assistance programs tailored specifically for new buyers.
Not all home loans are the same. With a wide range of lenders, interest rates, and features to consider, our role is to find the loan structure that best aligns with your unique financial situation and long-term goals. Beyond just interest rates, we focus on securing a loan that sets you up for lasting financial success.
Your time is valuable. Instead of approaching multiple banks and waiting on hold, we streamline the entire process. With Clear Path, you only need to submit your details once, and we handle the rest—finding the best lenders, managing paperwork, and ensuring a smooth approval process.
Navigating the property market can be challenging, especially for first-home buyers. With Clear Path, you gain a strategic advantage in this competitive market. Our team connects you with property advisors and buyer advocates who provide valuable insights, effective strategies, and the support you need to secure your ideal home.
One of the most well-known is the First Home Owner Grant (FHOG) — a one-time payment provided by state and territory governments to support eligible buyers purchasing or building a new home.
In addition to the FHOG, there are other valuable programs you may be eligible for, including the First Home Guarantee, the Regional First Home Buyer Guarantee, and select superannuation access schemes.
Eligibility criteria can vary, which is why it’s important to speak with one of our mortgage experts. We’ll help you understand what you qualify for, assist with applications, and ensure you make the most of every opportunity on your journey to homeownership.
For many buyers, the biggest hurdle is saving for a deposit. In Australia, it takes an average of 5.5 years to save a 20% deposit — but the good news is, you don’t always need 20% to get started.
Many lenders accept deposits as low as 5% or 10%, especially for first-home buyers. With support from options like the First Home Guarantee or Lenders Mortgage Insurance (LMI), it’s possible to enter the property market sooner than you might think.
Not sure what your options are? Our team at Clear Path can help you understand how much you really need and what support you may be eligible for.
Pre-approval is a conditional confirmation from a lender that you qualify for a home loan up to a certain amount. It gives you a clear budget and greater confidence when making offers, showing sellers that you’re a serious buyer.
Yes — Australian first-home buyers may be eligible for a range of government grants, concessions, and incentives. At Clear Path, we help you navigate these options to ensure you access every benefit you’re entitled to.
There’s no one-size-fits-all answer, as everyone’s circumstances are different and the market is always changing.
Should you wait until you’ve saved a 20% deposit, or consider buying sooner with a smaller deposit? At Clear Path, we help you weigh the pros and cons of both options, so you can make a confident, informed decision based on your unique goals and financial situation.
The Debt-to-Income ratio compares your total monthly debt payments to your monthly income. It’s a key factor lenders use to determine how much you can borrow.
Ethical banks prioritise sustainability and responsible lending, ensuring that their financial activities benefit both people and the planet. If this aligns with your values, we can help you explore ethical lending options.
TThere are many reasons why a bank might decline a loan application, such as a low credit score, insufficient savings for a deposit, unstable income, or high existing debts. At Clear Path, we carefully assess your financial situation early on to identify any potential obstacles. By addressing these challenges upfront, we can recommend tailored strategies and solutions to improve your chances of loan approval and help you secure the best possible lending terms.
Parents can support their children in several ways, such as contributing to the home deposit, acting as guarantors to strengthen the loan application, or providing ongoing financial advice and guidance throughout the buying process. Each option has different implications for both parties, so we can help you understand the benefits and risks to determine the best approach for your family’s unique situation.
We can advise on the best approach for your family.