First home buyer couple stand together at the kitchen island bench with their friends seated at the island. The home design features open plan living spaces that is light and bright. This modern home is built by Step 1 Homes.

Finance Partner

Sorting out your finance is one of the first big steps in building your new home.

You shouldn’t have to do that alone. That’s why we partner with Central Lending Solutions (CLS), an award-winning WA mortgage broker with more than 20 years of experience helping first home buyers get started.

CLS understand the challenges of buying your first home and know how to make the process feel clear and manageable. They’ll take the time to learn about your goals, explain your lending options in simple terms and guide you through each step of getting your finance approved.

Get finance ready

Why we trust CLS

CLS are local experts with a strong track record of helping West Aussies secure finance for land, construction and complete home packages. They work with a wide range of lenders and look at your full financial picture so you can find a path that suits your situation.

They’ll help you explore your borrowing power, check your eligibility for grants and concessions and understand what your repayments might look like. You’ll know what is realistic and what you should expect from the start.

How CLS will support you

When you work with Step 1 Homes and CLS, you’ll be supported through the full journey. They’ll collect your documents, prepare your application, speak with lenders on your behalf and guide you right through to finance approval. You’ll always know who’s looking after you and what the next step is.

We stay involved, too. With CLS and Step 1 Homes working together, you’ll have a clear and simple path from the moment you start talking about finance to the day your approval comes through.

Frequently Asked Questions

How much deposit do I need as a first home buyer?

You may be able to start your home ownership journey with a deposit as low as 2% if you qualify for Keystart’s low-deposit home loan. Find out more here.

What is Keystart and how does it help first home buyers?

Keystart is a Western Australian government home loan program that helps eligible first home buyers get into a home sooner by offering low-deposit loans and flexible eligibility criteria. Chat to us today and our finance partner can chat you through your options.

Can I get any stamp duty concessions as a first home buyer in WA?

Yes: first home builders in WA may be eligible for stamp duty concessions or exemptions on land or house and land purchases, helping reduce upfront costs when building their first home. Read more here.

Am I eligible for the First Home Owner Grant?

Eligible first home buyers may receive a one-off payment of $10,000 towards a new residential home. There are value caps and eligibility criteria you’ll need to meet, but our team is here to walk you through everything and understand your options. Read more here.

What is the First Home Owner Grant (FHOG) in WA?

The First Home Owner Grant (FHOG) is a WA government payment that helps eligible first-time buyers or builders of a brand-new home by providing a one-off grant to reduce the cost of getting started. Read more about incentives and concessions available to first home buyers here.

Do you support first home buyers and government schemes?

Absolutely! We’ll walk you through key grants and concessions, explain what may apply in WA, and help you understand how they might make a real difference for you. Read more here.