First Home Buyer Loans on the South Coast

Local advice for first home buyers across the South Coast, from deposit strategy through to settlement, with access to the First Home Guarantee and other schemes.

You make the decisions. We handle everything in between.

The South Coast spans the Illawarra through to the Shoalhaven, and first home buying looks different depending on where you land. Shellharbour, Bomaderry and Nowra tend to work comfortably within the First Home Guarantee's price cap. Wollongong, Kiama, Berry and Gerringong usually need a family guarantee or LMI waiver strategy layered on top.

Working out which town actually fits your deposit and timeline is often the first real decision in a South Coast first home buyer's journey.

First time buyers using the First Home Guarantee find it works most comfortably in Shellharbour, Bomaderry and Nowra, where prices sit well within the scheme's cap.

Buyers considering premium towns like Berry, Kiama or Gerringong usually need a family guarantee or an LMI-waiver-eligible profession to make the numbers work.

Buyers building or buying new across several South Coast towns may also be eligible for the First Home Owner Grant and stamp duty concessions.

Essential workers, defence personnel and university-adjacent renters across the region often have income structures that need to be presented carefully to a lender.

Borrowing capacity for a first home on the South Coast depends on your income, existing debts, deposit size, living expenses and which scheme you're using, and because prices vary enormously between towns in this region, the same income can support very different purchases depending on where you're looking. We run a proper assessment across our panel of 40+ lenders to give you a realistic figure.

We're a locally owned finance business, not part of a bank or franchise network, so our only goal is finding the loan and scheme combination that actually fits your situation.

We also work differently to most. Our first consultation is a genuine conversation, no paperwork, no pressure, just working out where you are and where you want to get to. We take that relationship seriously from day one.