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New South Wales | Lydian Financial Services
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Buying your first home is a big step, and you do not have to take it alone. We help first home buyers across New South Wales understand their options, access available grants, and move from pre-approval to settlement with confidence.
New South Wales offers genuine help for first home buyers, and knowing what you qualify for can make a real difference to your deposit and your budget.
The First Home Owner Grant gives eligible buyers $10,000 towards a newly built home valued up to $600,000. If you are buying or building new, this grant can go straight towards your costs.
The First Home Buyers Assistance Scheme can also reduce or remove transfer duty (stamp duty). Eligible first home buyers pay no transfer duty on a home valued up to $800,000, and a reduced rate on homes valued between $800,000 and $1,000,000.
Eligibility depends on your circumstances, the property, and current government rules, which can change. We will help you work out what you may be able to claim, so nothing is left on the table.
From your first question to the keys in your hand, we guide you through every part of the process.
We check your eligibility for the $10,000 grant and make sure your application is lodged correctly and on time.
Many first home buyers in NSW pay little or no transfer duty. We show you where you stand and how to make the most of it.
A smaller deposit does not have to stop you. We explore low deposit loans and guarantor options that suit your situation.
Whether you are buying in Sydney, Newcastle, Wollongong, or anywhere across regional New South Wales, our brokers understand the local market and the lenders that lend in it.
We do all the heavy lifting, comparing loans from over 50 lenders, managing the paperwork, and liaising with lenders on your behalf from application to settlement.
First home buyers across Parramatta, Penrith, Chatswood, Bondi, and Manly already trust Lydian to find lending solutions tailored to their circumstances. Let's explore your options together.
The First Home Owner Grant in New South Wales is $10,000 for eligible buyers purchasing or building a new home valued up to $600,000. It applies to newly built homes rather than established properties, so whether you qualify depends on the type of home you are buying. We will confirm your eligibility as part of your free consultation.
Many do not. Under the First Home Buyers Assistance Scheme, eligible first home buyers pay no transfer duty on a home valued up to $800,000, and a reduced rate on homes valued between $800,000 and $1,000,000. The savings can be significant, and we will help you understand exactly where your purchase sits.
Yes, you may be able to. There are low deposit home loans and family guarantee options that can help you buy sooner, and Lenders Mortgage Insurance can make a smaller deposit possible. We will walk you through the trade-offs so you can decide what works for your circumstances.
We work with over 50 lenders, including the major banks, non-bank lenders, and specialist credit providers. That breadth means we can look beyond a single bank and find competitive options suited to first home buyers. We will liaise with lenders on your behalf from start to finish.
Your initial consultation is free, with no obligation. We take the time to understand your goals and explain your options in plain language. From there, you decide how you would like to proceed.
Serving clients across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Lydian Financial Services New South Wales
Phone: 0413 609 349
Email: contactus@lydian.com.au
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.