A clear path to
your first home
Buying your first home can feel overwhelming, especially when you’re trying to navigate lenders, deposits and government support.
At Greco Finance Co, you’ll work directly with Christian - a local broker who takes the time to understand your situation and guide you through each step with clear, practical advice.
From understanding how much you can borrow to securing the right loan, we help simplify the process so you can move forward with confidence.
What to expect with Greco Finance Co
We guide you through each stage of the process, making it clear, straightforward and tailored to you.
1. Understand your situation
We take the time to learn about your goals, income and what you’re looking to achieve.
2. Explore your options
We compare loan options across a wide range of lenders to find what suits your needs.
3. Secure pre-approval
Get clarity on what you can borrow so you can search with confidence.
4. Find and secure your home
Once you’ve found the right property, we guide you through the application and approval process.
5. Settle and move in
We manage the final steps through to settlement, so everything runs smoothly.
First home buyer support and grants
As a first home buyer, you may be eligible for a range of government grants, schemes and concessions.
A one-off grant available to eligible first home buyers purchasing or building a new home.
We’ll guide you through eligibility, applications and how these can support your purchase.
Why work with Greco Finance Co
Buying your first home is a big step, having the right support can make all the difference.
Frequently asked questions
Buying your first home comes with a lot of questions.
Here are some of the most common things we’re asked to help you feel more confident moving forward.
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How much deposit do I need?
You may be able to purchase with less than a 20% deposit, depending on your situation, lender requirements and any available first home buyer schemes.
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What is pre-approval?
Pre-approval is an indication from a lender of how much you may be able to borrow, based on your income, expenses, deposit and overall financial position.
It can give you more confidence when looking at properties, helping you understand your budget before making an offer. Pre-approval is not a final loan approval, but it is a helpful step before you start house hunting seriously.
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Can I buy with less than 20% deposit?
Yes, in some cases you may be able to buy with less than a 20% deposit.
This will depend on your circumstances, the type of property you are buying, the lender’s requirements and whether you are eligible for any first home buyer support. We can help compare your options and explain the potential costs involved.
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What costs should I expect?
Along with your deposit, there are other costs to consider when buying your first home. These may include stamp duty, conveyancing or legal fees, building and pest inspections, lender fees, government charges and moving costs.
Some costs may vary depending on the property, location and loan structure. We can help you understand what to allow for before you start making offers.
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How long does the process take?
The timeframe can vary depending on your situation, the lender, the property and how quickly documents are provided.
As a general guide, pre-approval can often be arranged before you find a property, while final approval and settlement usually happen after your offer has been accepted. We’ll guide you through each step so you know what to expect and when action is needed.
Take the next step with confidence
Whether you’re just getting started or ready to move forward, get clear advice from your local broker.
No obligation, just a conversation to explore your options.
