Buying your first home in Sydney is complex, government grants, stamp duty exemptions, LMI waivers, the First Home Guarantee, lender policies on HECS debt and genuine savings. We navigate all of it for you.
Lend & Loan is one of Sydney's top-rated mortgage brokers for first home buyers, with 80 five-star Google reviews. We help you access the First Home Guarantee (5% deposit, no LMI), NSW First Home Owner Grant ($10,000), and stamp duty exemptions across 300+ Sydney suburbs.
Last updated: July 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited
NSW has some of the most generous first home buyer incentives in Australia. Here's what you may be eligible for:
Available for new builds or substantially renovated homes valued up to $750,000. You must be an Australian citizen or permanent resident, at least 18 years old, and not have previously owned property in Australia.
Full stamp duty exemption on existing homes up to $800,000. Concessions available between $800,000 and $1,000,000. On a $750,000 purchase, that's a saving of approximately $29,000.
Buy with just 5% deposit and no LMI. The Commonwealth Government guarantees the gap between your deposit and 20%. Income cap of $125,000 (single) or $200,000 (couple). Property price caps apply by region.
For single parents or single legal guardians of at least one dependent. Buy with as little as 2% deposit and no LMI. Available for both first home buyers and previous homeowners.
Free consultation. We'll check your eligibility for all grants and schemes, then find the best loan from 50+ lenders.
MFAA Accredited · ACL 511092 · 80 × 5-star Google Reviews · Free Service