first home buyers
are you a first home buyer and have no idea what the next step is? look no further, we’re here to help.
There is an expectation to know exactly what to do when it comes to purchasing a home. As there are so many aspects that are involved, it can feel very overwhelming. Head to our purchase page to view some relevant information regarding what purchasing a home looks like through the lens of a conveyancer. However, as a first home buyer there are a couple of steps extra needed to take.
There are some requirements needed in order to satisfy applying for the Home Buyer Assistance. To work out your eligibility head to the NSW Home Buyer Assistance Finder.
There are two types of NSW state exclusive stamp duty exemption assistance for first home buyers on offer as of the moment that:
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Full or partial exemption on transfer duty
Requirements
Buying your first home in Australia.
The value must be less than $1 million.
You must also move into the property within 12 months from settlement and live there for at least 12 continuous months.
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What's on offer
$10,000 towards the purchase price, in addition to the First Home Buyers Assistance Scheme benefits
Requirements
Buying or building your first home.
It's a new home that no-one has lived in before.
It's worth no more than $600,000 (or, for a house and land package with comprehensive building contract, no more than $750,000).
You must also move into the property within 12 months from settlement and live there for at least 12 continuous months.
Schemes that relate to deposits and are run on a federal-level should be brought up with your designated home lender.
I’m eligible for the first home buyers assistance scheme, what now?
If you are eligible for either schemes, we will apply for this throughout your matter in time for settlement. In general, funds are payable on settlement, including your stamp duty. Therefore, applying for the scheme can be done leading up to settlement.
It is then time to get in contact with your designated home lender if you are wishing to adopt a scheme in relation to your deposit, as this will make up part of your mortgage.