NSW · Australia-wide · Free Consultation
Your First Home, Sorted.
Buying your first home is one of the biggest decisions you'll ever make. William Zhu walks you through every step — from understanding your borrowing capacity to collecting the keys — completely free.
NSW Government Schemes
Government Benefits You May Be Entitled To
Four government schemes can save first home buyers $50,000–$80,000+. Most people only know about one or two — William will make sure you claim everything you're eligible for, at your very first consultation.
Stamp Duty Exemption (FHBA)
No stamp duty on homes under $800k in NSW — both new builds and existing homes. A partial concession applies up to $1M. This saving improves your LVR and often removes the need for LMI.
First Home Owner Grant (FHOG)
$10,000 NSW cash grant for eligible first home buyers purchasing or building a new home valued under $600,000. Cannot be used for established properties. Bridge Finance handles FHOG applications at no charge.
First Home Super Saver (FHSS)
Save up to $50,000 inside your super for your home deposit. Contributions are taxed at 15% going in, withdrawn at your marginal rate minus a 30% offset — significantly better than a savings account.
Home Guarantee Scheme (5% Deposit)
Purchase with just 5% deposit — the government guarantees up to 15% of the loan, eliminating Lenders Mortgage Insurance entirely. Since October 2025: no income caps, unlimited places, $1.5M Sydney price cap.
How It Works — 5 Simple Steps
From first call to holding the keys — here's what to expect.
Free 30-Min Strategy Call
We discuss your goals, income, savings, and timeline. William calculates your exact borrowing capacity across 70+ lenders — no obligation, no pressure.
Pre-Approval Application
We collect documents, select the best lender, and submit for pre-approval. Most clients receive conditional approval the same day with some lenders, typically within 1–2 business days.
Property Search With Confidence
Shop with a pre-approval letter in hand. Sellers know you're serious. William provides a free property analysis for any home you're considering.
Formal Approval & Settlement
Once you've found your home, we manage formal approval, coordinate with your solicitor and the lender, and handle everything through to settlement day.
Post-Settlement Rate Reviews
William reviews your rate annually and monitors the market on your behalf. Most first home buyers use Bridge Finance for every property they ever purchase.
Ready to buy your first home?
Book a free 30-minute strategy call with William. No jargon, no pressure — just clear, expert advice on your borrowing power, the grants you qualify for, and the best lenders for your situation.
© 2026 Bridge.Finance Pty Ltd ATF Zhu Family Trust. Credit Representative 567817 of Australian Credit Licence 384704. MFAA Member. AFCA Member.
Get in touch
Ready to take the next step?
Whether you're just starting your property search or ready to apply, we'd love to help. Reach out for a free, no-obligation chat and find out what's possible for your situation.
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Address
217 Burwood Road, Burwood NSW 2134, Australia