First Home Buyer Loans in Perth - Your First Step Made Simple

You can buy your first home in Perth with as little as a 2% deposit and pay no Lenders Mortgage Insurance. The catch? Most first home buyers don't know which schemes they qualify for, which can be combined, or how to stack them for maximum savings. Get it right and you could save $50,000 or more on your purchase.

Launch Finance specialises in helping Perth first home buyers combine the right grants, schemes and lenders. We handle the paperwork. You move in.

Six schemes for Perth first home buyers in 2026

• $10,000 First Home Owner Grant for new builds up to $750,000
• WA stamp duty exemption on homes up to $500,000 (concession to $700,000)
• 5% Deposit Scheme. No LMI, no income caps, $850,000 Perth cap
• Help to Buy. Just 2% deposit, government takes a 30 to 40% equity share
• Keystart. 2% deposit, no LMI, $860,000 Perth metro cap
• First Home Super Saver. Save your deposit inside super at the 15% concessional rate

Can these first home buyer schemes be combined?

Yes, many can be stacked. A buyer building a new Perth home valued at $700,000 could potentially access the 5% Deposit Scheme (no LMI), the $10,000 First Home Owner Grant, the First Home Super Saver Scheme, and a partial stamp duty concession, saving tens of thousands upfront. Eligibility and stacking rules vary, so we map every available combination for your specific situation.

How fast can I get pre-approved?

Most first home buyer pre-approvals take 3 to 5 business days once your application is complete. Pre-approval sharpens your negotiating power with sellers and agents, lets you move fast when you find the right property, and confirms exactly what you can afford to spend.

What we do for you

Map every scheme you qualify for. Run the numbers across multiple lenders. Lodge all the grant paperwork. Stay with you from pre-approval through to the day you collect the keys.

Call 08 9367 4222 or download our Ultimate First Home Buyers Guide to get started.