First Home Buyer Gold Coast

Navigating Your First Home Purchase

Buying your first home is a thrilling adventure, yet it can also feel a bit daunting. Here at DeRosie Home Loan & Finance Solutions, we understand that stepping into the property market is one of the biggest financial decisions you will make, and we’re here to make it as smooth and stress-free as possible. We are committed to guiding you through every step of the home loan application journey with clarity and confidence.

Why Choose DeRosie Home Loan & Finance Solutions?

Personalised Service: Every first-home buyer is unique, and so are your financial circumstances. We take the time to listen to your goals and provide customised mortgage solutions that align with your financial situation and future aspirations.

Streamlined Processes: We simplify the complexities of mortgage applications. From paperwork to approval, we handle all the details, ensuring a seamless experience for you.

Our Services for First Home Buyers

At DeRosie Home Loan & Finance Solutions, we offer a range of services to help you secure your dream home on the Gold Coast or awherever you may be in Australia:

Pre-Approval Guidance: Understanding how much you can borrow is crucial. We help you get pre-approved so you can shop for your new home with confidence. This may give you an edge over others competing for the same property who do not have a loan pre-approval.
Loan Comparisons: We compare loans from a wide range of lenders to find the one that fits your needs best.
Government Grant Assistance: If you’re eligible for the First Home Owner Grant or other government incentives, we’ll help you navigate the application process.
Ongoing Support: Our relationship doesn’t end once you get your keys. We can also provide you with a Home Loan Health Check each year to make sure the home loan you have continues to meet any lifestyle changes that may have occured , and can also include negotiating a better interest rate without having to refinance to a different lender where possible.

Making Your First Home a Reality

Buying your first home should be exciting, not overwhelming. At DeRosie Home Loan & Finance Solutions, we’re passionate about helping first-time buyers in the Gold Coast area realise their homeownership dreams. We are ready to provide you with the knowledge, tools, and support needed to navigate the market confidently.

Start your home buying journey today with DeRosie Home Loan & Finance Solutions.Give us a call on 0432 909 660 or complete the online form to request a discovery meeting where we can discuss your needs and how we can help turn your dream of home ownership into a reality.

Your Step-by-Step Guide to Buying Your First Home in Gold Coast

Buying your first home in the Gold Coast is a big milestone — but it doesn’t have to be confusing. At DeRosie Home Loan & Finance Solutions, we help locals across the Gold Coast navigate the process with confidence, clarity, and expert guidance.

Here’s everything first home buyers need to know.

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Secure the right mortgage today and enjoy a better living! Contact us now to explore your options and take the next step toward your dream home.

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1. Get Pre-Approved for a Home Loan

Before you browse listings in suburbs like Southport, Robina, or Surfers Paradise, you need a clear idea of your budget.

We’ll help you:

Compare over 30+ lenders for first home loans in QLD
Calculate your borrowing power
Prepare the documents for pre-approval

Local Tip: Getting pre-approved shows Gold Coast sellers you’re a serious buyer — especially in competitive coastal areas.

2. Choose the Right Gold Coast Location

Gold Coast offers a variety of living styles, from family suburbs to beachside apartments. Consider:

School zones (like in Varsity Lakes or Palm Beach)
Commute times (access to M1 or G:link)
Future growth potential

Our team knows the local market and can help you make a smart move.

3. Make an Offer & Sign the Contract

Once you’ve found your ideal first home:

Submit an offer
Review the contract of sale
Engage a local conveyancer to handle legal steps

We’re here to coordinate the process and protect your interests.

4. Loan Approval & Deposit Payment

After your offer is accepted:

We secure formal loan approval from your lender
You’ll pay your deposit (often 5–10%)

We keep you updated every step to make sure nothing delays your settlement.

5. Settlement & Move-In

On settlement day, your lender transfers the remaining funds, and you receive the keys.

Welcome to your new home on the Gold Coast!

First Home Owner Grant (FHOG) Eligibility Criteria

You’re Eligible If

You’re buying a newly built property or building a home
The property is under $750,000
You’re an Australian citizen or permanent resident
You haven’t owned property in Australia before
You’ll live in the home for at least 6 months

📍 This grant is available to homes anywhere in QLD, including all Gold Coast suburbs.

Apply here or ask our team to handle your FHOG application for you.

Financial Tips for First Home Buyers in Gold Coast

Buying your first home means planning not just for the purchase — but for long-term stability. Here are key money tips:

1. Budget Smarter

In addition to your deposit, plan for:

Stamp duty (waived for many first home buyers in QLD)
Legal/conveyancing fees
Building & pest inspections
Insurance & council rates

We’ll help you calculate a full breakdown of costs for homes in the Gold Coast.

2. Choose the Right Loan Type

We compare:

Fixed or variable rate loans
Low deposit options for eligible buyers
First home loan deposit schemes and cashbacks

We’ll match you with a loan that fits your lifestyle and future goals.

3. Avoid Common Traps

Don’t borrow more than you can comfortably repay
Don’t ignore ongoing costs (rates, maintenance, insurance)
Don’t skip your pre-approval

Work with a Local Gold Coast Expert

At DeRosie, we’re not a call centre or a chatbot — we’re locals, helping locals. Our team understands the Gold Coast property market and knows how to secure the best outcome for first-time buyers.