Buying your first home in South Australia is exciting, but the loan process can feel complex. At Gold Coin Finance, we guide first home buyers through eligibility checks, grants, lender comparisons, pre-approvals and final settlement—making the entire journey simpler and stress-free.
A first home buyer loan is a residential mortgage tailored for Australians purchasing their first property. These loans involve:
Gold Coin Finance helps you match your personal financial situation with the right bank or lender to ensure you get the most favourable terms.
We evaluate your profile upfront so you understand your borrowing power before looking at properties.
Schemes
Available when buying or building a new home.
Buy with as little as 5% deposit and no LMI.
Savings on stamp duty for eligible first home buyers purchasing new builds.
Shared-equity scheme reducing your loan size. We help you check eligibility and apply correctly.
Your deposit requirement depends on:
Typical ranges:
5% with First Home Guarantee
10% with standard products
20% to avoid LMI
At every step, our goal is to make your first home buying experience smooth, transparent, and rewarding.
Stamp duty
Conveyancing fees
Building & pest inspections
Loan establishment fees
Mortgage registration
LMI (if applicable)
We calculate your full cost breakdown so nothing is a surprise.
Each option suits different financial situations—our brokers compare them for you.
We identify the most relevant and high-traffic keywords for your business. Our team conducts thorough research to understand your industry, competitors, and target audience to ensure your website ranks for terms that matter.
Yes — through low deposit loans, guarantor options, or government schemes (e.g. 5% deposit + First Home Guarantee).
Possibly, but we assess whether you qualify for grant/guarantee schemes that waive or reduce LMI.
We guide you through every document, application, and coordinate with all parties.
We will explore alternate loan structures and refinancing options.
We stay updated with SA legislation and advise based on your contract date and property type.
We help structure your draws, manage contingencies, and liaise with builders/valuers to minimize risks.
