First home loans in Berwick

First home buyers are where my heart is, and Berwick is the postcode where the planning has to be sharpest. It's an established, well-serviced suburb, and prices reflect that. The practical consequence is that the government support designed for first buyers — the 5% Deposit Scheme, stamp duty concessions, the First Home Owner Grant — all come with price caps, and a Berwick purchase can sit right on the boundary of them.

That's not a reason to give up on the suburb; it's a reason to know the numbers before you start looking. Sometimes the answer is a townhouse or a unit rather than a house on a block. Sometimes it's a guarantor, which sidesteps the deposit problem entirely. Sometimes it's buying in a neighbouring suburb now and moving into Berwick in five years with equity behind you. All three are legitimate — but you want to choose between them deliberately, not discover the constraint after you've been to twelve open homes.

What I'll do first is give you a real borrowing figure and a real total-cost figure, including every fee, so you know which of those paths is actually open to you. There's no obligation attached to that conversation, and in most cases I'm paid a commission by the lender when a loan settles rather than a fee by you — where a fee could ever apply, you'll have it in writing first.