FAQ's

With you every step of the way
I’m currently saving a deposit. How can you help me?

In 2017 we will be launching a comprehensive Deposit Plan service to assist Australians saving a deposit for their first home.

In the meantime please visit our Savings Home to see how else you can give your deposit savings efforts a boost!

Visit Savings Home

How do I know I can trust an FHBA Coach?
  • All FHBA Coaches are qualified Mortgage Brokers
  • All FHBA Coaches are members of the Finance Brokers Association of Australia Limited (FBAA)
  • All FHBA Coaches are audited annually
  • All FHBA Coaches operate from our Sydney CBD headquarters
  • All FHBA credit clients have the right to make complaints and utilise the Credit and Investments Ombudsman (CIO) service
  • FHBA holds comprehensive professional indemnity insurance
  • Our interests are in helping all first home buyers. We are for a profit business (like most property & finance business’s) but we don’t make money unless our customers are happy (for example a restaurant won’t be very successful unless their dinners (their customers) enjoy their dinning experience). First home buyers are our customers, we live and breath first timers everyday
What are FHBA’s fees?

Different fees are applicable depending on the services you require:

  • FHBA Saving Solutions: Coming Soon
  • FHBA Mortgages: We do not charge a fee for this service as we receive commission from the bank or lender you choose to proceed with. This commission (which will be disclosed to you by your FHBA Broker) allow’s our team to provide you with home loan advice and application assistance as well as annual home loan reviews.
  • FHBA Established Home Plan: Coming in March 2017
  • FHBA New Homes: We receive a referral from the developer or new homes service we refer you to. From 2017 we will offer you a partial rebate of the referral fee we receive. You are not charged any fees from us directly for our New Homes service.
  • FHBA Concierge: FHBA Concierge connects you with the expert assistance you need along the way. We do not charge you a fee directly for this service, however the services we recommend will quote you fees for their work and may us a referral fee. You will always receive a quote first so you can choose whether you want to proceed or not.

Our fees are designed to be highly competitive because we know every cent counts when it comes to first-timers. Therefore we have made our advertised prices our very best price, which means our fees are not negotiable (we are already giving you the best deal we can!)

We also want our fees to be as fair and transparent as possible (something very rare in the property industry). If you are confused or have any questions please ask your FHBA Coach who will be more than happy to help.

Do I get to meet an FHBA Coach in my local area?

Our FHBA Coaches are located in our head office in Sydney CBD and run meetings with clients over phone and video conferencing (including outside of typical office hours).

If you would like to meet an expert in your local area in person we do have a network of FHBA Broker’s (Home Loan Experts) located around Australia, including every capital city who can assist you with your finance queries while your FHBA Coach assists you with the other steps of buying your first home over the phone.

Who is FHBA suitable for?

FHBA can assist any first home buyer in Australia. No matter:

  • Your location;
  • Your preferred property type;
  • Your budget;

We are here to help you achieve your great Australian dream.

If you haven’t saved enough yet we will stay with you until you have!

How does FHBA help first home buyers?

FHBA guides first home buyers through every step of buying your first home:

  1. Saving a deposit
  2. Checking your Grant eligibility
  3. Obtaining finance (a home loan)
  4. Searching for your first home (new or established)
  5. Securing and settling your first home
  6. Moving into your first home
  7. Protecting you and your first home

For more see our How Does FHBA Help page.

I know someone else who can help me. How do I decide whether to use you or them?

We are very proud of the services we offer first home buyers across Australia.

Our services are designed specifically to assist all first home buyers in Australia, no matter your budget is or property preferences are.

You can use FHBA services for all steps of buying your first home or you can use us for only some of the steps that you are not using someone else.

At the end of the day it is your choice who you use to help you achieve your goal of property ownership.

All we can do is tell you that we are Australia’s leading first home buyer specialist organisation and we would love to help you achieve your dream first home.

How do I get started?

No matter what stage you are at we’d love to help.

To get started simply complete a Speak To A Coach enquiry now and one of our friendly Coaches will be in touch.

Speak To A Coach

Using FHBA for your Mortgage Broking?

We specialise in helping first home buyers with their first home loan needs.  We also specialise in helping people in tricky situations. If your situation is unusual then we know exactly which lenders can help and how to best present your scenario to them. You’re our customer and we will work with you to make sure your first home loan experience is one that you will never forget, in a good way!

 

Why a Mortgage Broker and not a bank?

Simply, there are 4 great reasons why you should trust a broker over a bank:

  • Choice – We have access to over 1,300 different home loan products
  • Personalised Service – We work for you, not the bank
  • Experts – We know which lender is more suited to your circumstance / scenario
  • Unbiased – We don’t have bias towards any one lender

First home buying made easy

TWITTER

  • Will the FHSSS get up in the 3rd reading in the Senate  @MichaelSukkarMP   @ScottMorrisonMP  #FHBA #auspol #aushousing… https://t.co/RZlWa3R91L 17 hours ago
  • The  @AHPAustralia  will be running in the #NewEngland & #Bennelong by-elections. #SaveGreatAustralianDream… https://t.co/PpoDcpeJf2 2 days ago
  • RT  @corelogicau : One of the biggest contributors to the softer auction market conditions is #Sydney, where the final clearance rate has rem… 2 days ago
  • It is week 9 of  @Jess_Irvine 's popular first home buyer diary series for  @smh  - Jess tackles another common dilemma… https://t.co/d1GsQqIpNW 3 days ago

TESTIMONIALS

  • A very late, belated “thankyou” for all your assistance to Brendan and me in getting our mortgage organized. For first-home buyers, it’s quite a daunting experience, but your assistance made it relatively simple. So a big ‘thankyou’ from us and we’ll be in touch soon as we’re contemplating purchasing some more property.

    Michell & Brendan Kosmer South Lake WA
  • Paul was fantastic at organising a great loan for my first home. He made the extra effort to teach me everything I needed to know and provided great customer service and I would definitely recommend his services.

    Benjamin Scanlan Gold Coast
  • As newcomers to the minefield of buying land and building Don glided us thru the process with painless ease. The service was impeccable and I have no problems in recommending him to friends needing advice and use of broking services.

    Jeremy P Sydney NSW
  • Thanks for your email and the sincere advice. Indeed we will persevere with our dream of owning a home in Australia. We will work towards our little goal and would not hesitate to contact good guys like you should we have questions on the way. Thank you so much Cheers

    Alf
  • Peter offered my partner and I service beyond our expectations. Nothing was a problem and everything was taken care of with incredible timing.A settlement in under 4 weeks did not seem possible, but Peter made it happen. We now have a beautiful home we love to live in. It all fell into place. Thank you.

    Timothy Bentley SA
  • Ray helped our family acquire the funds needed to build our dream home at a time when we had started to believe it was never going to happen. Ray was professional and had a wealth of knowledge, Ray was able to do the work behind the scenes that meant we only had to worry about the big stuff and could leave the rest to him. We are now in the middle of seeing our dream home built, Thanks Ray!

    Cath Fairs NSW
  • Finding Guido was a Bless! As a first home buyer I had so many questions not only related to banks loans but Government grant, Stamp duty, etc. He was always there to clarify all my doubts and to give me a clear picture of the most convenient options form my personal circumstances. His advice was excellent!! I highly recommend Guido for his professionalism and charisma to deal with people My rating to Guido is 5 Star!!

    Abner Montiel Roleystone WA
  • I couldn't have done it without First Home Buyers Australia- FHBA.

    I really appreciated the FHBA team's efforts through the whole process. And particularly appreciated you keeping me in the loop throughout. FHBA also helped me negotiate a better deal with the real estate agent, saving me thousands of dollars!

    I've just finished moving everything in now and was very happy with the outcome of the whole process.

    If you are looking for a loan and need to make sure you have the appropriate insurance cover, definitely check FHBA out they are lifesavers!

    Kane Newham - Blackwall NSW
    Kane Newham - Blackwall NSW
  • When we started looking for our first property over a year ago we were so overwhelmed with all the information on the "current market", auctions, negotiations and week after week inspections that we nearly gave up our search until we came across FHBA. The guidance given to us by Taj along with his passion of helping young families like us buy our first property was extremely comforting knowing that we always had someone working on our side, who would consider our needs and work within our budget. We are finally in the "market" and we can't thank Taj enough for the speed and efficiency in which he responded to our endless emails, phone calls, questions we threw at him and the recommendations of solicitors, insurance companies etc to ensure we had covered all aspects of purchasing our first home. We have no hesitation recommending Taj and FHBA to family, friends and anyone needing any information or looking to buy a property!

    Shaun, Jessica and Noah W - Central Coast (NSW)
    Shaun, Jessica and Noah W - Central Coast (NSW)
  • Taj was friendly, very professional and knowledgeable. He made an otherwise stressful journey feel exciting. We value his honesty most. He always made sure we understood the reality of the situation and that in turn has helped us make the most informed decision about how much we could borrow. We will recommend him to family and friends in a heartbeat.

    Karan E of GLENWOOD NSW
First Home Buyers Australia - FHBA

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