ESTABLISHED HOMES

Helping you gain the upper hand

At FHBA we get buying your first home on your own isn’t easy. There are so many things to take into consideration, let alone all the hidden traps you want to avoid. From what type of property to buy, to where you should buy, obtaining finance, negotiating the property transaction with a cunning real estate agent, competing with cashed up investors and not knowing who can you trust for help – these are just a few of the common headaches first home buyers face.

If you are facing any problems like these, you’re not the only one. The truth is, it has never been harder to be a first home buyer.

As Australia’s premier first home buyer organisation we want to help first home buyers gain the upper hand in the property market. We have developed an innovative program to assist first home buyers purchasing any type of property, located anywhere, every single step of the way.

Introducing FHBA Buyers EDGE – it is expert first home buyer help that you can trust.

How does FHBA Buyers EDGE work?

Our exclusive FHBA Buyers EDGE program is designed to assist first home buyers overcome all the big headache moments of buying a first home.

  • Home Loan Pre-Approval

    We will complete a no-charge assessment of your current finance and determine if you have saved enough for your first home

  • FHBA Buyer Assist

    Our research team will prepare a tailored Property Plan following a fact find of your current situation, goals and objectives

  • FHBA Negotiate Assist

    Once you have found a property you like, your dedicated FHBA Coach will negotiate with the real estate agent on your behalf

First, we start by assessing your borrowing capacity and purchasing budget. Once is this is known, we will work with our Australian property research partner, LMW Advisory, to develop you a tailored Property Plan which provides recommended locations and recommended property types within your budget and goals. We also provide you with tailored search strategies for your area.

Once you attend some open homes and work out which property you want to buy we help you negotiate the property transaction with the selling real estate agent, calling their bluffs and aiming to save you some extra dollars on the agent quoted price.

Why use FHBA Buyers EDGE?

At FHBA we pride ourselves on helping first home buyers enter the property market the right way

Expert assistance

Our talented research partner & FHBA Coach’s live & breathe property, helping first-timers like you everyday

Find home

Your tailored Property Plan will help you find your dream home. Then your FHBA Coach will assist you in securing it!

Suitable for everyone

Available to all first home buyers, regardless of your location or the type of property you want to purchase

Save $$

FHBA Negotiate Assist is designed to assist you save more $’s than the cost of our expert help

First home loan advice

Save even more $’s by using an FHBA Broker to help you secure a great home loan + get a discount Buyers EDGE

From start to finish

Your FHBA Coach will be with you every step of the way, giving you peace of mind that you haven’t missed a thing

How much does FHBA Buyers EDGE cost?

Buying your first home is a big deal. It is probably going to be the biggest asset you have purchased to date and you want to get it right.

We know that because it is your first time, you need expert advice that you can trust. But we also understand that the budgets of first home buyers are tight and as Australia’s leading first home buyer organisation, we have also taken this into consideration when developing FHBA Buyers EDGE.

Typically a Buyers Agent charges around $5,000 + for their services in helping property buyers. We think our alternative option, the FHBA Buyers EDGE program, offers incredible value for first-timers. And so do our clients.

  • Non-FHBA Mortgage Customers
    $1,980
    This offer is available for fhb's who already have their home loan sorted
  • FHBA Mortgage Customers
    $1,680
    This offer is available for clients using our complimentary home loan service

How do I pay for FHBA Buyers EDGE?

50% of your fee is payable upfront before your Buyers EDGE program begins. The remaining 50% of your fee is payable when you successfully settle on your first home.

Is the FHBA Buyer EDGE fee tax deductible?

Generally speaking, if you are buying a property to live in (owner-occupier) the Buyers EDGE fee is not tax deductible. However, if you are buying a property as an investment (e.g. perhaps you are a rentvestor) then you may find that the fee is tax deductible. Please note, we are not tax advisers – we recommend you seek tax advice from a qualified Accountant who can advice you whether you can claim a tax deduction nor not.

What you may be interested to know is that often our first home buyer clients find that the fee they pay is more than covered (offset) by the savings made in our Negotiate Assist service. To understand how this program could help you save on your first home see the case study example below.

Case Study

Pre-Purchase Advice

Tom and Samantha are looking to buy their first home in Western Sydney. They are specifically looking to buy an established property with the following criteria:

  • Within walking distance to a train station
  • 3 bedroom freestanding house
  • Access to necessities (i.e. medical, shops & transport)
  • Budget of $700,000

The couple is unsure which suburb best fits their criteria and are worried that they would make the wrong decision by buying in an area that is not suitable for them. FHBA is already assisting the client with their home loan and has advised Tom & Samantha that their budget is $750,000 based on their deposit and income.

The couple decided to use FHBA’s pre-purchase property advice service to assist them with recommending the best areas they should look at for their first home based on the criteria mentioned. The property plan (prepared by LMW) recommended 3 suburbs that they hadn’t even thought of, it allowed them to start searching in that area and they found a property well below their budget as a result!

FHBA Negotiate Assist

Tom and Samantha have a home loan pre-approval and have been looking for their first home over the last 3 months. Their budget is very tight as they are buying their first home with the minimum deposit of 5%. Their deposit restricts their borrowing capacity to no more than $400,000. They have both become very frustrated with the process as the market is very hot in their area of choice, whereby investors have been outbidding them on a consistent basis – even in private treaty sales.

After 3 months without any luck, the couple has decided enough is enough and they have approached FHBA for some negotiation assistance. Upon signing the agreement, they view 2 properties they really like on the weekend. As FHBA already know what their maximum budget is, Tom calls his FHBA Coach and tell them the 2 property addresses and what their maximum perceived value is.

The FHBA Coach collects the property contact details from the listings on the real estate portal and calls the real estate agent involved in the sale of the property. After multiple discussions with both agents, the FHBA Coach was able to negotiate a price below Tom’s maximum price for each of the properties. Upon acceptance, Tom and Samantha visited the agent’s office for the property they chose (of the two) and paid the holding deposit to secure the property. They were both very happy with the deal after searching for 3 months without any luck!

Case Study

Tom and Samantha are looking to buy their first home in Western Sydney. They are specifically looking to buy an established property with the following criteria:

  • Within walking distance to a train station
  • 3 bedroom freestanding house
  • Access to necessities (i.e. medical, shops & transport)
  • Budget of $700,000

The couple is unsure which suburb best fits their criteria and are worried that they would make the wrong decision by buying in an area that is not suitable for them. FHBA is already assisting the client with their home loan and has advised Tom & Samantha that their budget is $750,000 based on their deposit and income.

The couple decided to use FHBA’s pre-purchase property advice service to assist them with recommending the best areas they should look at for their first home based on the criteria mentioned. The property plan (prepared by LMW) recommended 3 suburbs that they hadn’t even thought of, it allowed them to start searching in that area and they found a property well below their budget as a result!

Tom and Samantha have a home loan pre-approval and have been looking for their first home over the last 3 months. Their budget is very tight as they are buying their first home with the minimum deposit of 5%. Their deposit restricts their borrowing capacity to no more than $400,000. They have both become very frustrated with the process as the market is very hot in their area of choice, whereby investors have been outbidding them on a consistent basis – even in private treaty sales.

After 3 months without any luck, the couple has decided enough is enough and they have approached FHBA for some negotiation assistance. Upon signing the agreement, they view 2 properties they really like on the weekend. As FHBA already know what their maximum budget is, Tom calls his FHBA Coach and tell them the 2 property addresses and what their maximum perceived value is.

The FHBA Coach collects the property contact details from the listings on the real estate portal and calls the real estate agent involved in the sale of the property. After multiple discussions with both agents, the FHBA Coach was able to negotiate a price below Tom’s maximum price for each of the properties. Upon acceptance, Tom and Samantha visited the agent’s office for the property they chose (of the two) and paid the holding deposit to secure the property. They were both very happy with the deal after searching for 3 months without any luck!

I like the sound of some of the features of Buyers EDGE, but I don’t think I need them all

We get that everyone’s circumstances are different. The Buyers EDGE program is a comprehensive buyers program packed with incredible value, but you may not need everything that’s included.

For example, you may have a first home area and property in mind and would simply like some help with dealing the selling real estate agent. Or perhaps the opposite – you have no idea where to buy or what to buy, but once you know this, you are someone who feels confident with dealing with real estate agents.

To make it easy for you to only pay for what you actually need help with we also offer the core components of the Buyers EDGE program as stand alone services.

FHBA Search Assist

  • Not sure where to buy?
  • Unsure what type of property to buy?
  • Don’t know whether to buy brand new or established?
  • FHBA Search Assist can help!

FHBA Negotiate Assist

  • Unsure how to make an offer or how to bid?
  • Worried agents are quoting you unfairly?
  • Not sure whether to make an offer or wait for auction?
  • FHBA Negotiate Assist can help!

If you are simply after assistance with the finance side of things (such as working out your budget, finding & securing a home loan) then we also offer our mortgage broking service at no charge to you. Learn more about FHBA Mortgages.

Still not sure…

We know this is a big decision and you have some uncertainty around what FHBA Buyers EDGE exactly is and how it will benefit you. WE would like to invite you to a complimentary one-on-one Discovery Session with one of our friendly FHBA Coach’s who can further explain your alternative service options and answer any queries you may have.
Simply complete the enquiry form below and we will be in touch.

We can also help you find a brand new FHOG eligible home…

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