Rated 5 out of 5 based on 190+ reviews

Home Loans for First Home Buyers

Buy your first home using the governments first home buyer benefits!

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Purchase Your First Home Sooner!

There are multiple national and state based government incentives and benefits for first home buyers which can help you purchase your first home sooner! Speak to our mortgage brokers to find out what you qualify for.


Lenders We Work With

Special Bank Offers

There are also special offers from banks that are only available for first home buyers to help you go further with your deposit.

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First Home Guarantee (National)

Buy your first home with a 5% deposit without any expensive lender’s mortgage insurance

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First Home Super Saver Scheme (National)

Accelerate your savings for a deposit by using salary sacrifice into your superannuation

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First Home Owner’s Grant (state based)

Receive a grant of $10,000 to 30,000 when purchasing a brand new property or building a new house. Amount of the grant is based on the each individual state government incentive.

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Stamp Duty Exemption and Discounts (state based)

Pay $0 stamp duty or receive a discount for eligible first home buyers.

Rated 5 out of 5 based on 190+ reviews

Want To Hear About People's Real-Life Experiences With Kaleido Loans?

Case Study

Our client took advantage of multiple government first home buyer benefits to purchase their first home.

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Jenny purchased a brand new apartment for $599,000 as a first home buyer, as a result here are the savings she achieved when we guided her to all the first home buyer benefits that she qualified for!


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Talk to one of our friendly home loan experts to understand your borrowing capacity and incentives available to you.

Purchased her first home with a deposit of only $19,950

$22,045 of stamp duty waived as a first home buyer in NSW because she bought a property under $650,000

$10,000 First Home Owner’s Grant received from the NSW government because she bought a brand new apartment under $600,000

$15,960 in lender’s mortgage insurance waived because she used the First Home Guarantee

Total savings and financial benefit realised $48,005 for Jenny to purchase her first home


As a result of taking advantage of all the benefits and grants she qualified for, Jenny was able to purchase this property with a total deposit of $19,950. Which is less than 5% of the purchase price, thanks to the $10,000 grant she received from the NSW government.

Without these first home buyer benefits, Jenny would have needed a deposit of $109,800 for her 20% – just imagine how long it would have taken her to save this money while she continued renting and helping another investor pay off their mortgage!

Get Your Loan Approved In 3 Simple Steps

Book a Discovery Call

Request a no obligation discovery call with our expert mortgage brokers

Let Us Find you the Right Loan

We do the research and find you the best loan

Get Your Loan Approved

We prepare everything for your approval

Our Frequently Asked Questions Answered

How long has Kaleido Loans been in business?

Kaleido Loans was established in 2015 by its founder Jason He. Since 2015, we have been helping our clients find the best loan for their situation and guiding them to achieve their financial goals.

Underpinning this growth is the principle of “always acting in our client’s best interest” and this has been our guiding philosophy from day one.

Our mortgage brokers are all qualified with the highest industry recognised Diplioma of Finance and Mortgage Management. We are also full members of Australia’s leading industry bodies, the Mortgage and Finance Association of Australia (MFAA) and Finance Brokers Association of Australia (FBAA). 

We have access to arrange your loan with a diverse range of different lenders/banks. These lenders include the major banks (such as Westpac,  ANZ, NAB, CBA etc) and non-major banks (such as ING Direct, Macquarie, ME Bank, Suncorp). In other words, banks with branches as well as those without!

We also have access to other lenders who provide personal loans, car loans, equipment loans and commercial finance.

Our goal is to find you a loan that is suitable for your needs and requirements and continue to service your after settlement to ensure your loan continues to meet your needs as your life changes.

We conduct a detailed clients needs analysis and fact-finding process so we can fully understand your current financial situation and what your goals and needs are. Whether it’s to purchase your first home or purchasing your next investment property, by making sure we understand you, we can start the process of researching and personalising recommendations suitable for your situation. 

After we shortlist a selection of lenders and their products, we then explain to you how these options match your needs, based on what you have told us. 

Visit our learning centre to learn more about Kaleido Loans

Book Your Discovery Call Today!

Speak to our mortgage brokers to find out what you qualify for.

Enquire Now