First home buyer service
NextKey Property Strategists offers first-home buyers in Queensland, New South Wales, Victoria, Western Australia and the ACT a free, no-buyer-fee service that maps your deposit, grant eligibility and state stamp-duty concessions to identify a turnkey house-and-land package that matches your borrowing capacity.
No buyer fee. No spruiker pitch. No urgency tactics. We work hardest for buyers who'll move for affordability — and we'll tell you on the first call if you're not ready yet.
Who this is actually for
First-time buyers (single or couple) between 25 and 35, on PAYG income, with $50,000 or more saved (or a clear path to it), tired of paying $700–$900 a week in rent on a place they can't put a nail in. We work hardest for buyers who'll move for affordability rather than holding out for a specific Sydney or Melbourne suburb. If you're open to a 30-minute commute or a different state altogether, the maths gets dramatically better — and we know exactly which corridors are stacking up that maths right now.
What we map for you on the first call
- Your real borrowing capacity — not the broker's headline number. Banks publish a "you could borrow up to" figure that assumes no HECS, no car loan, no buy-now-pay-later balance, and you survive on $1,200/month in living expenses. We strip that back to what your actual balance sheet supports.
- Your grant + concession stack, by state. Most clients are surprised by how much is actually on the table — see the state-by-state summary below.
- The First Home Guarantee + LMI maths. The Federal First Home Guarantee lets eligible buyers get in with a 5% deposit without paying Lenders Mortgage Insurance — saving roughly $15K to $30K. We work out whether you qualify and which lenders on the panel suit your situation.
- House-and-land package options that fit your borrowing. Most first-home buyers get burned here. The display-home pitch shows you a $750K turnkey, but the version your borrowing actually supports is $620K and looks different. We pre-filter the network to packages that align with your borrowing — not the other way around.
- The realistic timeline. From signed contract to keys in hand on a new-build is 9 to 14 months in most states. We factor in your lease end date so you're not paying double housing costs during the build.
Grants & concessions, by state
| State | Grant pathway | Stamp duty |
|---|---|---|
| Queensland | First Home Owner Grant — $30,000 for new builds under $750K | Full stamp-duty concession on properties under $700K |
| New South Wales | First Home Buyer Choice + Shared Equity scheme | $0 stamp duty on properties up to $800K (new builds) |
| Victoria | First Home Owner Grant — $10,000 for regional new builds | Full stamp duty waiver to $600K, partial to $750K |
| Western Australia | Keystart low-deposit pathway (no LMI for income-eligible buyers) | First Home Owner Rate of Duty — concessions to $530K |
| ACT | Home Buyer Concession Scheme — duty-free for income-tested buyers | Full duty exemption on new builds under threshold |
Grant amounts and price caps change. Links go to the relevant state revenue office; we map your actual eligibility on the first call.
How the service works
- Book a 30-minute strategy call. Free, no obligation, no follow-up sales sequence.
- 15-minute fit check. We confirm savings, income, state preferences and timeline.
- 48-hour shortlist. We send 3–5 packages from the builder network that match your specific brief — or we tell you what you need to fix before you're ready.
- Settlement & beyond. If a package is right, we coordinate the build through to handover and provide post-settlement support.
What it costs you
Nothing. No buyer fee, no consultation fee, no "premium tier", no upgrade-to-our-paid-version. We're paid by the builder network on completed packages — the same way a mortgage broker is paid by the bank.
That arrangement only works for us if we send buyers who actually settle. So we don't waste your time on packages you can't borrow against, and we don't waste our time pushing buyers into homes they don't want.
What we won't do
We won't tell you the market is moving and you should sign right away. We won't give you a fake "spots are limited" pitch. We won't promise a guaranteed return on capital growth, because nobody can. We won't pressure you into signing on a first call. Most of our best first-home clients came back 6 to 12 months after the first call — once their deposit was where it needed to be.
General advice only. NextKey Property Strategists is not a licensed financial planner, tax agent, or solicitor. Grant amounts, eligibility criteria and stamp-duty concessions change — for personalised eligibility, consult the relevant state revenue office or the Australian Taxation Office. Always seek independent financial, taxation and legal advice before making property investment decisions.