First Home Buyer Loans In Joondalup
Buying your first home is a big deal — and it should be exciting, not stressful. We’re a Joondalup-based brokerage that helps first home buyers across Perth navigate grants, deposits, and the right loan, so you go into the process knowing exactly where you stand.
Your First Home Journey Starts Here
Most first home buyers come to us not knowing what they can borrow, which grants they’re entitled to, or whether their deposit is enough. That’s completely normal — and it’s exactly what we’re here for. We sit down with you, look at your full situation, and give you a clear, honest picture of where you stand before you do anything else.
We’re Joondalup-based, so we know the Perth property market well — which suburbs are competitive, which lenders move fastest, and which loan structures suit first home buyers best right now. We compare home loan products across 40+ lenders, including options with lower deposit requirements and lenders who are more flexible than the big banks.
We also help you make the most of the WA government schemes available to first home buyers — including the First Home Owner Grant and stamp duty concessions. Our job is to make sure you’re not leaving money on the table, and that you go to settlement feeling confident, not confused.
How We Secure Your First Home Finance in WA
Choose from over 40 Lenders, all in one place
Why First Home Buyers Choose Encharge Capital
We’re based in Joondalup and we specialise in helping people buy their first home in Perth. We know the northern suburbs market well — what properties are selling for, which lenders suit which buyers, and what the banks look at when they assess a first home buyer application.
Most first home buyers we work with have never done this before. That’s the point. We walk you through every step clearly, explain everything in plain English, and make sure you’re never making a decision you don’t fully understand. No pressure, no jargon.
We’ve helped first home buyers across Joondalup, Currambine, Wanneroo, Clarkson, and all of Perth’s northern suburbs get into their first property — sometimes with less deposit than they thought they needed. Let’s find out what’s possible for you.
Local Perth Market Knowledge
We're Joondalup locals. We know Perth's northern suburbs property market and use that knowledge to help first home buyers make smarter decisions — not just financial ones.
Access to Government Grants
We know the First Home Owner Grant, the First Home Guarantee, and the stamp duty concessions inside out. We make sure you access every dollar you're entitled to — nothing gets missed.
Low Deposit Solutions
Don't have a full 20% deposit yet? We work with lenders who accept lower deposits — including options that let you avoid LMI altogether through government-backed schemes available to first home buyers in WA.
Fast Pre-Approvals
The Perth market moves quickly. We know which lenders process applications fastest and we make sure your pre-approval is in place before you start making offers — so you're never scrambling.
I honestly couldn’t recommend Ross
and everyone at Encharge Capital highly enough. From start to finish, they made what could have been a stressful process feel smooth, clear, and completely manageable as a first time buyer. Their knowledge of the finance and mortgage market is incredible, they explained every detail in plain language and made sure I fully understood all my options before making any decisions.
Communication was excellent they were always quick to respond, always proactive, and genuinely caring about getting me the best possible deal. They went above and beyond to secure fantastic terms that I never would have found on my own.
What really stood out was how personal the service felt. It never felt transactional, they always had my best interests at heart. I felt supported, informed, and confident every step of the way.
If you’re looking for a finance broker who’s professional, trustworthy, and genuinely dedicated to helping you reach your goals, look no further than Ross and the team at Encharge Capital. A 10/10 experience from start to finish!
Would recommend 100%
Special mention to Ross, who went above and beyond to help with the process!
Common questions from Perth First Home Buyers
How much deposit do I need for a first home in Perth?
The standard is 20% to avoid Lenders Mortgage Insurance, but most of our first home buyer clients buy with less. With the First Home Guarantee scheme, eligible buyers can purchase with as little as 5% deposit without paying LMI. We’ll check your eligibility in our first conversation and tell you exactly what’s available in your situation.