First Home Buyers Perth

What Our Customers Think:

Nick helped us every step of the way, finding us the best deal for our situation and walking us through the steps, offering guidance when required. The customer service was excellent and we have come out the other side much better off than prior to refinancing. Would highly recommend him if you want a quality, tailored solution for your home loan from someone with your interests genuinely at heart!

Shannon Wood

November 2023

Highly recommend Chris as an excellent broker and Vicki for the final stages of the settlement. They were able to sort out a complicated refinance for me and Chris kept in constant contact with me over the process which took a while.

Steve Incerti

November 2023

I cannot recommend enough the help and service. We have no idea of the processes involved and Kurtis has been more than willing to spare valuable time in guiding us.

Dianne Crisp

November 2023

Nick is amazing at what he does!
Financial stuff can be daunting but Nick made the journey through it all feel like a breeze.
Thank you Nick.

Elle Maxwell

November 2023

This is the second time Whiteroom Finance helped us in securing finance. Karl Baker was a great help both times. He is easy to communicate to, explains in simple English and is very proactive. It was a joy to have someone like Karl to help.

Singh K

September 2023

A huge shoutout to Chris and his team for going above and beyond to help us secure our family home. Their dedication and unwavering support made the process so smooth. Highly recommended!

Client Survey Feeback

August 2023

Most amazing team! we had such issues trying to receive a loan but Whiteroom Finance made it so easy and guided us throughout start to finish would highly recommend, was always there whenever we needed.

Sidoroska S

June 2023

Working with Chris and the team to refinance my mortgage was a smooth and easy process, highly recommend.

Kirk T

June 2023

Been working with Chris since 2016. Very professional and finds the best services to suit each loan, and is there every year to review it for you.

Passmore A

May 2023

Whiteroom Finance have been fantastic in helping my partner and I get our first home loan, and then our second, and they have also been a great help in refinancing these loans. They are professional and quick to respond to all of our emails (even after hours and on weekends). They listened to us and made sure to find suitable lenders that offered the home loan structures that we wanted. An enthusiastic 5 stars for these guys.

Pech A

May 2023

Great experience with Whiteroom Finance all the team is really helpful and supportive. Will be using them again!!

Ellery K

March 2023

Thank you for making the process so easy and as pain free as buying a house can be!

Client Survey Feedback

November 2022

Thank you very much to Chris White and his wife Vicki White from Whiteroom. With all of their hard work they made our goal possible. We are very excited the settlement went through today. Neil and I highly recommend their professionalism, knowledge and their dedication. We had a very awkward situation and Chris with his knowledge was able to reach our goals.

Neil & Kaliope C

September 2022

Chris and the team were able to simplify an unclutter the complex and intimidating process of buying our first home. They were readily accessible throughout the journey and we are ecstatic with the final outcome.

James L

August 2022

Thankyou for all your assistance through this journey, it's been a huge learning curve as a first home buyer, but I'm very thankful to have had your guidance throughout the process!

Dana S

November 2022

Purchasing Your First Home?

Purchasing your first home is a big decision that is not to be taken lightly. At Whiteroom Finance, we’ll help to explain the different home loan options available to you, the buying process and various government grants you may be eligible for.

Find Out If You’re Eligible For Government Assistance Schemes

Why Choose Whiteroom Finance When Buying Your First House

We know that buying your first home is a lengthy, daunting process but you can rest assured knowing the knowledgeable team of home lending specialists at Whiteroom Finance will assist you every step of the way, from initial consultation to final key handover. Your home finance manager will support you closely as a singular point of contact to answer any questions or queries you may have during this exciting chapter of your life. We pride ourselves on being a customer-centric finance broker and take great joy in helping our valued clients acquire their first homes.

Young family

WA First Home Buyer Grants

Regardless of if you’re in the market to buy or just researching your options, it is important to understand what Government support is available to you. The various State Governments offer a range of grants and incentives that save you money.

First Home Owners Grant (FHOG)

Western Australia’s FHOG is worth $10,000 when you build a brand-new home – but bear in mind there are limits on the amount you can pay for your first home to retain your eligibility.

If you are located south of the 26th parallel – which is all of WA south of around Shark Bay – you can claim the FHOG WA if the cost of land and construction is up to $750,000.

If you build a home north of the 26th parallel, you are eligible to claim the FHOG providing the value of the house is equal to or less than $1 million.

The WA FHOG grant is no longer available when buying established homes, however you may be eligible for stamp duty savings.

First Home Guarantee and Family Home Guarantee Scheme (FHBG)

Under the FHBG, a portion of an eligible first home buyer’s home loan from a participating lender is guaranteed by the National Housing Finance and Investment Corporation (NHFIC). This helps to enable an eligible home buyer to purchase their first home with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI).

First Home Super Saver Scheme (FHSS)

The First Home Super Saver scheme can be used by first home buyers to save money within their superannuation fund to assist in purchasing their first home. The FHSS can be used to purchase both new and existing homes within Australia.

First Home Buyers Assistance

The Home Buyers Assistance Account provides a grant for reimbursement of some of the incidental charges incurred when purchasing a first home in Western Australia.

Applicants who meet the criteria for eligibility can receive a grant of up to $2,000.


Keystart helps eligible people by their own homes with an affordable pathway. Keystart home loans have lower entry costs, lower deposit requirements and no lenders mortgage insurance. Keystart provides both full and shared ownership home loans.

Stamp Duty Exemptions

As a first home buyer you are exempt of paying stamp duty for an established property up to a value of $430,000 and for properties valued between $430,000 and $530,000 there is discounted stamp duty fees.

If buying land to build on the exemption applies on land valued at up to $300,000 with discounted Stamp Duty applicable for land valued at between $300,000 – $400,000. You may need to pay the stamp duty at purchase and claim a refund if buying land without a related building contract in place

If you purchase a property worth more than this, you will be required to pay full stamp duty rates. Please note that the property purchased must be used a primary place of residency.

Turn Home Ownership from a Dream to Reality. Get in Touch Today!
People looking at data

The Whiteroom Home Loan Process

Whiteroom Finance has a streamlined approach to finding you the right loan, where we do all the heavy lifting for you. You can read an in-depth explanation of this process here.

Initial Contact & Understanding Your Needs

Once we collect some basic information from you, we will make contact with you to better understand your financial situation, the type of loan you need, and the loan options you may qualify for.

Meeting & Identification

Once we have a better understanding of your situation, we will arrange a meeting (face-to-face preferred) where we can discuss your position in more detail, fulfill our identification requirements and provide you the chance to ask any questions you may have at this point. Your broker will assess the options available from our 30+ lenders and present you a personalised recommendation plan – we call it The Game Plan.

Preparing Your Application & Lender Assessment

Once you have identified a lender you would like to work with, your broker will complete an application on your behalf using the information you have provided. You’ll need to check all information is correct and sign when you are happy.

Once this is complete, your broker will submit your application to the lender, where they’ll review your application and arrange mortgage insurance and a property valuation if required.

If there are additional requirements, your broker will be in touch.

Unconditional / Formal Approval

Once all the conditions have been met by the lender, your broker will receive written approval. We’ll be in touch to congratulate you!

Loan Document Issue & Completion

Your lender will issue you with a complete set of mortgage documentation. Providing you are happy with the terms; this documentation will need to be signed and returned directly to the lender within 5 days.

Loan Settlement

Your solicitor / conveyancer will prepare the necessary paperwork and contact the lender to arrange settlement. Once the paper work is in place you can draw down the loan and property ownership will be transferred to you.

Financial consultation

Interstate Schemes & Grants

Availability of Government assistance grants and schemes will vary depending on which state you are buying or building a home in. Eligibility requirements differ from state to state. It is best to talk to your broker about the options available to you.

New South Wales

Grants available include:

  • First Home Guarantee Scheme and Family Home Guarantee Scheme
  • First Home Super Saver Scheme
  • First Home Owner Grant
  • First Home Buyer Assistance Scheme

Maximum total support available: $10,000 + tax & insurance savings

Australian Capital Territory ​

Available schemes include:

  • First Home Guarantee and Family Home Guarantee Scheme
  • First Home Super Saver Scheme
  • Home Buyer Concession Scheme

Maximum total support available: $34,790 + other tax & insurance savings dependent on property value


Assistance packages include:

  • First Home Guarantee and Family Home Guarantee Scheme
  • First Home Super Saver Scheme
  • First Home Owner Grant
  • Homebuyer Fund
  • Stamp duty savings

Maximum total support available: $10,000 + tax & insurance savings

South Australia

Grants offered include:

  • First Home Guarantee and Family Home Guarantee Scheme
  • First Home Super Saver Scheme
  • First Home Owner Grant
  • HomeStart

Maximum total support available: $25,000 + insurance savings


Subsidies available include:

  • First Home Guarantee and Family Home Guarantee Scheme
  • First Home Super Saver Scheme
  • First Home Owner Grant
  • Stamp duty savings

Maximum total support available: $30,000 + tax & insurance savings


Assistance packages available:

  • First Home Guarantee and Family Home Guarantee Scheme
  • First Home Super Saver Scheme
  • First Home Owner Grant
  • Queensland housing finance loan
  • Stamp duty savings

Maximum total support available: $15,000 + tax & insurance savings

Northern Territory

Schemes offered include:

  • First Home Guarantee and Family Home Guarantee Scheme
  • First Home Super Saver Scheme
  • First Home Owner Grant

Maximum total support available: $10,000 + insurance savings

Contact Our Team of Home Lending Specialists

Why Choose Us?

Whiteroom Finance is a customer-centric finance broking firm where no one is a number, and everyone is a valued client. We pride ourselves on providing personal, high-quality service to all clients from large scale businesses to first-time borrowers. At Whiteroom Finance, we deliver tailored solutions specifically to suit your needs and goals.

Experience the Whiteroom Finance Difference

Frequently Asked Questions

How Do I Know if I’m Eligible?

You can utilise a number of tools to find out your eligibility in WA:

What Documentation Do I Need To Provide?

Below is the list of initial documents that most lenders will ask for (note that we may require more along the journey):


Standard documents include:

  • Certified Identification (e.g. Current Driver’s License and Passport)
  • Bank statements for all transaction accounts, loans, credit cards and buy now pay later (BNPL) facilities (e.g. Afterpay) for the last six months
  • Proof of income;
    • Two most recent consecutive payslips showing year-to-date earnings 


If you’re self-employed:

  • Your 2 most recent personal Tax Returns and Notice of Assessment
  • Tax returns and Financial Statements for your business for the last 2 years.

What are the extra costs involved in buying a home?

Stamp duty and lender’s mortgage insurance (LMI), if applicable, are two of the most significant additional costs to consider when purchasing your first property, since they can add thousands to the total cost. There are a variety of upfront and recurring fees that may also apply, such as:

  • Legal and conveyancing fees
  • Water and council rates
  • Home and contents insurance
  • Regular maintenance and repairs
  • Mortgage registration fees
  • Application and annual mortgage fees
  • Valuation fees
  • Redraw and offset fees
  • Discharge and break fees
Contact Whiteroom Finance today.