Buying your first home is one of the biggest financial decisions you’ll ever make, and it should not feel confusing or overwhelming. At 🏦 Bull & Bear Asset Management Pty Ltd, we help first home buyers understand their options, access government incentives, and structure their loan properly from day one.

At 🏦 Bull & Bear Asset Management Pty Ltd, we help first home buyers understand their options, access government incentives, and structure their loan properly from day one.

Whether you are just starting to save, already looking, or ready to buy now, we guide you through:

✔ Your borrowing power and a realistic budget

✔ First Home Buyer grants and stamp duty savings

✔ Smart loan structures to reduce long-term interest

✔ The full buying process from pre-approval to settlement

No bank jargon. No pressure. Just clear advice focused on your future.

Benefits You May Be Eligible For ✅

💰 First Home Buyer Grants

Eligible buyers may receive a government cash grant when purchasing or building their first home.

✔ Helps boost your deposit

✔ Reduces how much you need to borrow

✔ Can fast-track your purchase timeline

Grant amounts and rules vary by state and property type.

🏷 Stamp Duty Discounts or Exemptions

Stamp duty can cost tens of thousands of dollars. Depending on the state and purchase price, first home buyers may qualify for:

• ✅ Full stamp duty exemptions

• ✅ Significant discounts

This can save $10,000 to $40,000+ in many cases, depending on your situation.

📉 Lower Deposit Options

Some schemes allow eligible buyers to purchase with a smaller deposit, such as:

• As little as 5% deposit (subject to eligibility)

• Reduced or no Lenders Mortgage Insurance (LMI) in some cases

This can mean buying sooner without waiting years to save a 20% deposit.

🏠 Owner-Occupier Loan Benefits

First home buyers may also access owner-occupier loan advantages such as:

✔ Lower interest rates than investor loans

✔ Better lending terms

✔ More flexible repayment options

Over time, this can significantly reduce your total interest costs.

📈 Start Building Wealth Earlier

Instead of paying rent, your repayments can start building your own asset:

• 🏡 Paying down your own property

• 📊 Building equity over time

• 💵 Positioning yourself for future investments

Your first home often becomes the foundation of long-term wealth.

How We Help You Maximise These Benefits 🎯

At 🏦 Bull & Bear Asset Management Pty Ltd, we help you:

• ✅ Confirm what grants and concessions you may qualify for

• ✅ Structure your loan to reduce long-term interest

• ✅ Access low deposit options where suitable

• ✅ Avoid common mistakes that can cost first home buyers money

Ready to Take the Next Step?

Book a First Home Buyer Strategy Session and get clarity on your borrowing power, incentives, and the smartest path to purchase.