One rate rise can make a big difference to your first home buying plans

Rod can help you understand what that means for your pre approval.

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Buying your first home can feel overwhelming. I understand the challenges first home buyers face — from navigating mortgage options to understanding government grants. Our goal is to provide clear education and expert advice to help you make informed, confident decisions.

Commence your Journey today

Looking to buy with a smaller deposit? The 5% option has become available for eligible buyers, with increased maximum home price limits in every state.

Buy your first home with only 5% deposit

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Steps to your first home

Rod will help you plan, save, apply, find, buy and own your first home with expert support that makes the big moments easier.

Our first homebuyer service

  • Mortgage pre-approval and lending guidance

  • Detailed reviews of your borrowing capacity and budget planning

  • Step-by-step education on the home buying process

  • Guidance on government grants and incentives

  • Clear strategies to make your purchase simpler and less risky

“The magic thing about home is that it feels good to leave, and it feels even better to come back.”
— Wendy Wunder

Want to get on the property ladder sooner?

From 5 December 2025, the Australian Government Help to Buy Scheme will be open for applications.

Find out more

Knowledge that works in your favour

  • The First Home Guide is designed to educate buyers, streamline the purchasing process, and empower confident, informed decisions—laying the foundation for successful first home ownership.

  • Purchasing a new home off the plan can feel overwhelming, but we’re here to simplify the process. Our guidance helps you navigate key considerations that are often overlooked, ensuring you make informed decisions with confidence and clarity.

  • Parental Support known as “Bank of Mum & Dad” remains a powerful tool for first home buyers, helping to ease financial pressure and make homeownership more achievable. If you're considering assistance from family, reach out to explore how we can facilitate a joint conversation to unlock your potential and plan a path forward with confidence.

  • Looking to refine your home buying strategy? Download our key insights for valuable tips that can help guide your next move. Even better, let’s schedule a one-on-one strategy session - there’s no substitute for tailored advice based on real-life experience.

FHB Guide
Off The Plan
Mum & Dad
Gold Nuggets

  • Obtaining pre-approval is a crucial first step in the home buying process. It gives you a clear understanding of your borrowing capacity, strengthens your position when making offers, and helps streamline your property search with confidence. Speaking with a lender early ensures you’re prepared and ready to act when the right opportunity arises.

  • Rod Peirce and his team helps first home buyers understand their borrowing capacity and budget. While deposit requirements vary, our guidance ensures you plan for the right amount based on your personal financial situation and lending options.

  • Beyond your deposit and mortgage repayments, you should consider additional costs like property valuations, inspections, legal fees, and potential government charges. Rod’s comprehensive advice helps you understand and plan for these to avoid surprises.

  • Having a car loan can impact your borrowing capacity, as lenders consider all existing debts when assessing your financial situation. The outstanding loan amount and your monthly repayments are factored into your debt-to-income ratio, which influences the amount you may be approved to borrow. However, the effect varies depending on the size of the loan, your overall financial profile, and the lender’s criteria. It’s best to discuss your specific circumstances with Rod Peirce to get a clear understanding of how your car loan may affect your borrowing power.

  • A thorough building and pest inspection is essential when purchasing a property. It helps identify any structural issues, potential safety hazards, or pest infestations that could lead to costly repairs down the line. Conducting these inspections provides peace of mind, supports informed decision-making, and can be a critical negotiating tool during the purchase process.

  • Various government schemes are designed to support home buyers, particularly first-time purchasers, by offering financial incentives, grants, or concessions. Eligibility criteria vary based on factors such as property value, and location. It’s important to explore which programs you may qualify for to maximize your benefits and make your home buying journey more affordable and accessible.

 FAQs