When it comes to buying your first home, it is rarely a simple process, especially in New South Wales where home values tend to be higher than anywhere else in the country. You have a number of options in finding and buying your first property in NSW

First Home Buyer

Private Treaty

Private Treaty Sale refers to a standard residential real estate transaction. The vendor, or home owner, sets a price they wish to sell their property for and the real estate agent negotiates with potential buyers on their behalf to achieve the price they set.


Buying by Tender

The process of purchasing NSW real estate by tender involves submitting a single offer, usually accompanied by a deposit of 5 or 10 percent, and the seller will either accept or reject the offer.

Buying at Auction

Auctions are public sales conducted by state-licensed auctioneers and governed by strict rules. There is a reserve price, which essentially is the minimum amount the property is likely to sell for. If the bid exceeds the reserve price, you must sign the contract immediately.

Buying property off the plan

When you buy property off the plan, you are paying for something that has not been completely constructed yet. The end result can differ slightly from what you expected. However, it is more affordable than many other properties.

Buying a house is an exciting moment and can be overwhelming at the same time. Considering  it’s probably your biggest investment, there are a lot of decisions involved .

This is where Freshwater Financial Services come in. We can help you better understand the loan process and your home loan options; ranging from the types of home loans you may qualify for, how much you may be able to borrow, and repayment amounts.

First time buyers can also get in touch with us to find suitable properties in high growth areas of northwest and southwest Sydney, which offer a variety of housing options and offer fantastic value for money. 

We have a highly qualified team of property advisers who can help you find the right mortgage that meets your lifestyle requirements, as well as provide a comprehensive service from the very beginning to the very end. We can help first time home buyers in Sydney in claiming:

First Home Buyers Assistance Scheme

First Home Owners Grant Scheme

First Home Buyer Home Loan