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What We Do for First
Home Buyers

Buying your first home can feel overwhelming — but we’re here to make it simple, stress-free and exciting.

At Catch Lending, we guide you through every step of the home loan journey. From understanding your borrowing power to getting pre-approval and finding the right lender, we make sure you feel supported from start to finish.

Here’s how we help

  • Explain all your options clearly, with no jargon
  • Help you access any available government grants or first home buyer schemes
  • Compare loans from 40+ banks and lenders to get the best deal
  • Handle the paperwork and liaise with your broker, agent, or conveyancer
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Guidance from Start to Settlement

Your journey, made simple

From the moment you start dreaming of your first home, we’re by your side. We help you navigate the entire process — from loan pre-approval to the final settlement — making sure everything is clear, smooth and stress-free.

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You focus on the dream — we’ll handle the details.

You find the home – we’ll make it happen

Maximise Every Opportunity

Unlock government grants and schemes

As a first home buyer, you may be eligible for special incentives like the First Home Owner Grant or stamp duty concessions. We’ll help you understand what you’re entitled to — and make sure you don’t miss out.

Here’s how we help

  • Eligibility requirements for grants and benefits
  • Application processes
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First Home Buyer FAQs

Got questions? You’re not alone. Here are some of the most common things people ask us – from loan types to how the process works. If you’re still unsure, we’re just a call away.
What documents do I need to apply for a home loan?
  • ID (Driver’s licence or passport)
  • Payslips (Last 2–3 payslips or proof of income)
  • Bank statements (Usually last 3 months)
  • Tax returns or ATO Notice of Assessment (especially if self-employed)
  • Details of any debts (like credit cards or car loans)
  • Proof of savings or deposit
Can I still buy if I don’t have a 20% deposit?

Yes, you can still buy with less than a 20% deposit. You might need lenders mortgage insurance (LMI) or a guarantor, and there are also government schemes that can help first home buyers get into the market with a smaller deposit.

What is pre-approval and why is it important?

Pre-approval is when a lender checks your finances and confirms how much they’re likely to lend you before you start house hunting. It’s important because it gives you a clear budget, shows sellers you’re serious, and can make buying a home faster and less stressful.

Are there any hidden costs I should know about?

Yes, buying a home comes with extra costs like stamp duty, legal fees, building and pest inspections, and loan fees. Knowing these upfront helps you avoid surprises.

Useful Forms

Need to submit documents or apply for grants? We’ve made it easy for you to access everything you need in one place.

Click to download and complete the forms relevant to your home buying journey. If you’re unsure which ones you need — don’t worry! We’ll guide you step by step.

First Home Owner Grant Application (FHOG)

Apply for the government’s First Home Owner Grant.

Loan Application Checklist

Make sure you have all your documents ready before applying.

Promotion Terms & Conditions

All of our promotions terms and conditions

Ready to get started? Let’s talk.

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