Your First Home, Guided Every Step of the Way

Buying your first home is exciting but complex. Edgecap guides you from budgeting to settlement, making the process simple, clear, and stress-free.

First Home Buyers

Together we assist you with choosing the right loan for your circumstances.

Budgeting and borrowing

Know what you can borrow and plan for all costs

Create a detailed budget including living expenses, stamp duty, council rates, utilities, and insurance.
Account for unexpected costs like home maintenance and initial stocking.
Ask us for our free budget planner to start your journey.

Choosing the Right Property

Find a home that fits your lifestyle and priorities

Freestanding house, townhouse, or unit? Renovated or requiring renovation?
Location matters: proximity to transport, shops, schools, and neighbourhood appeal.
Inspect at different times to assess sunlight, traffic, and noise.

Location is important

A property in an attractive street in a popular suburb with easy access to transport, shops and schools is always a good investment. Consider the aspect of the property. North facing kitchens and outdoor areas are most popular. Does the property have a nice outlook? Is it appealing from the street? Does it have lots of natural light? Consider whether it will be easy to sell if and when your needs change.
Inspect the property at different times of the day to see how different factors, such as morning sun or peak hour traffic, affect its appeal. You should also think about how the property can grow with your lifestyle. By having a clear objective, these questions will be easier to answer.

Research your area

Ensure you go to many properties open inspections and do your research on the internet before making an offer to ensure you have a good indication on property prices in your desired location. If you find that you cannot afford to buy your dream home in your desired location, consider adjacent suburbs that may be more affordable.

Account for all costs after the purchase

A mortgage is a big commitment, and you may have to make changes to your regular spending practices if you are to meet your repayments with ease. Many first homeowners forget to budget for things they haven’t been used to paying for themselves such as electricity, water and other utilities and items such as insurances. Budget for maintenance and even simple things such as stocking up the fridge and pantry for the first time – many of the things we take for granted when living at home.

Make sure you do not stretch yourself to your limit

You need to fully understand the impact of your regular spending levels on your new budget. Interest rates move constantly, so you will need to allow room in your budget for interest rate increases and other unforeseen additional spending. When interest rates drop, simply maintaining the same repayment is one of the fastest ways of repaying more of your loan and building a buffer if rates rise again.

Consider options suited to your requirements

Think very carefully about the different loan product offerings available and how these relate to you and your spending habits. There are a number of products on the market and it is important that you find a product that best suits your needs. Consider options that may help you reduce the term of your loan faster to avoid the very expensive costs associated with long term debt. This is where our guidance can be invaluable to you.

If you are in trouble, ask for help

We understand that during the term of your loan, circumstances outside of your control can change, eg illness or losing your job, which could affect your ability to make loan repayments. In many cases we can negotiate a proactive solution if we are given the opportunity to work with your lender to ensure your best interests are taken into consideration.

Be careful who you listen to

You will be given ‘expert advice’ from many of your friends and family during this process. Make sure the advice is backed with evidence and feel free to share this feedback with us. Many people who have never even purchased a home or investment property will offer you advice.

Be excited!

Owning your own home is one of the most exciting things that you will experience in your lifetime.

Navigating Incentives & Real-World Costs

Make the most of grants, concessions, and low-deposit schemes

First Home Owner Grant (FHOG): Up to $10,000 for eligible new builds.
Australian Government 5% Deposit Scheme: Borrow with as little as 5% deposit without LMI.
Stamp Duty Concessions: Save potentially tens of thousands for eligible homes.

We guide you through eligibility, paperwork, and lender coordination so you can focus on inspections and contracts. Our advice is independent, tailored, and ensures your loan is structured for the long term—not just settlement day.

Loan Options & Planning

Choose a loan that fits your income and lifestyle

Compare first home buyer loans, fixed vs variable, and repayment options.
Reduce loan term and interest costs with smart structuring.

Self-employed or irregular income?
Edgecap matches you with the right lenders, including Non-Conforming or Low Doc options.

Protecting Your Investment

Prepare for changes and safeguard your home

Build a buffer for interest rate fluctuations.
Proactively manage repayment challenges with Edgecap’s guidance.
Keep your loan flexible for future life changes.

Guidance You Can Trust

Clear advice, full support, no jargon

Independent, expert guidance throughout the home buying journey.
Competitive rates and favorable loan terms.
Seamless end-to-end support from budgeting to settlement.

Have question?

Call us now at 0485 837 775