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Your path to

home ownership

begins here.

First Home Buyers

Purchasing first home can be very daunting experience if you are not surrounded by people who knows all the ins and outs of the end to end home buying process. There are so many financial & real estate jargons you may not be familiar with. At Sage we will guide you step by step throughout the process from loan pre-approval to settlement of your newly purchased home.

Here is the glimpse of how we help First Home Buyers to make a difference in their home buying process;

  • Compare & choose most suitable home loan from over 25 banks & lenders
  • Completion & submission of your home loan application & ongoing liaison between all the parties
       (e.g. Bank, Real estate agent, solicitor etc.) involved until settlement.
  • Completion & submission of First Home Owners Grant Application if you are eligible
  • Estimate the fees/costs associated with finance & property e.g. Stamp Duty, Legal Fees, Lenders
       Mortgage insurance, Building & Pest Report, Strata Report etc.
  • Strategically advise & structure loan to save on LMI, where LMI is applicable
  • Provide free RP date property report & price guide
  • Comprehensive property research & inspection
  • Property negotiation tips & tricks

Our approach is we do all the leg work for you and provide you the expert advice backed by all the wealth of knowledge and information. You just ask any questions you have, make informed decision & enjoy the home buying journey.


How much can I borrow? Click here to find out >>
How much I have to repay monthly? Click here to find out >>

How much stamp duty I have to pay? Click here to find out >>
Are you a first home buyer buying brand new home, off the plan or vacant land in New South Wales? Use this calculator to find out how much transfer duty exemption/concession you may receive>>



Frequenly Asked Questions

What are the requirements

for getting a home loan?

Maximum loan you can borrow is 97% of property value. So you will need 3% of purchase price plus costs. e.g. Stamp Duty, Lenders Mortgage Insurance, Bank Fees, Legal Fees etc.  Find out in Detail>>




Every lender & bank has their own borrowing capacity calculator. Which will take account of your income, living expenses, credit card limits & all other financial commitments to

calculate how much maximum they can lend you. Find out in Detail>>


How much money can I borrow

from the bank?

How much money should I have in the begining to buy home?

Generally speaking, regular income, good credit history & enough saving for 3% deposit of purchase price plus costs e.g. stamp duty, lenders mortgage insurance, legal fees etc. is the  key requirement to get a home loan approved. Find out in Detail>>




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