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First Home Buyer Loans in Perth

Understand What You Can Borrow With a Local Expert

EMMA helps you understand what you can borrow, what grants apply, and what’s realistic. We’ll match you with a trusted Perth broker.

Not sure where you stand yet?

Start with a quick check, no pressure.

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"Loved my broker! Super helpful and made things simple from start to finish."

Charlotte

Hicks

“Made the whole thing simple and stress-free. Actually listened, genuinely cared, and got it sorted fast.”

Benn

Howlett

Tell us about your situation

We’ll give you a quick call to understand your goals, then personally introduce you to the broker best suited to you.

🔒 No spam. No pressure. Just clear advice.

Meet your First-Home Buyer specialists

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Jemma

  • WA first home loans

  • Governement grants

  • Low-deposit pathways

  • Finance for people new to lending

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Richard

  • First home loans

  • Guarentor loans

  • WA lending structure advice

  • Borrowing power optimisation for new buyers

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Wade

  • First home loans for contractors

  • Mining income assessments

  • Construction loans for first builds

  • Land and build packages

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Learn more

Why choose EMMA

EMMA is Australia’s only mortgage match service that stays with you from intro to settlement.
We believe in local expertise, human connection, and a smoother path to property goals.

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Right broker, first time

We match you with a Perth specialist who understands WA property, FHB requirements, and how lenders assess deposits, income, and grants.

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Grants & incentives guidance

Your broker explains all WA first-home buyer incentives, including eligibility and how they affect borrowing power.

Personal support

From your first question to settlement day, we stay with you, making the process clearer, calmer, and less stressful.

Matched the same day

Most first-home buyers are matched with a broker within minutes.

Get matched the same day

Jemma,

WA Specialist Broker

Prefer to speak directly, Contact us anytime.

+61 8 6243 0369 

WA First Home Buyer Grants & Perks (2025 Update)

$10,000 First Home Owner Grant (FHOG)

For new builds and newly-constructed homes.

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Stamp Duty Exemption

  • Full exemption up to $430,000

  • Discounted rate up to $530,000

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Keystart Low-Deposit Loans

Borrow with as little as 2%–5% deposit (WA program only).

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Shared Equity Schemes

Buy with the WA Government as a co-owner (reduces deposit + repayments).

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Eligibility guidance

Your broker will check:

  • Citizenship / PR status

  • Income thresholds

  • Property type

  • Whether you’ve owned property before

  • Build vs established rules

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Unsure what you qualify for? Your broker will confirm everything on your discovery call.

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Here’s how it works
(fast & simple)

1

Tell us about your goals (2 mins).

2

We match you with the right specialist broker.

3

Your broker calls for a quick discovery chat
(10–15 mins).

4

We make sure you’re supported from start to finish.

Takes less than 60 seconds

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Richard,

Co-Founder &

WA Specialist Broker

Perth Mortgage Specialists Who Understand WA

Your postcode can make a big difference in how lenders view your loan.


Our Perth-based brokers work across the entire metro area, from Joondalup to Rockingham, Fremantle to Midland and know:

  • Which WA lenders offer better deals for coastal, strata, or outer-metro areas

  • How FIFO, casual, and contract income is assessed

  • How to structure your loan to increase borrowing power

  • What policies apply to mining, nursing, hospitality, government roles, and more

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They speak your language and they’re right here in WA when you need them.

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Our Brokers are trusted by major banks and 40+ lenders

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Ready to start your first-home journey?

Most Perth buyers are matched with their broker within a few minutes.

Tell us about your situation

We’ll give you a quick call to understand your goals, then personally introduce you to the broker best suited to you.

🔒 No spam. No pressure. Just clear advice.

WA specialist advice

Grants explained upfront

Match with the right broker (not just any broker)

Fast call back (10-15 mins)

Questions we get asked

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