Home Loan Finance for First Home Buyers in Perth
In-house finance specialists · No cost to you · Fast Pre-approvals
Simple Finance Fast for Perth First Home Buyers
Our in-house team at Lets Finance handles everything – from Keystart and the $10,000 First Homeowner Grant through to full pre-approval. Hundreds of loan products, dozens of lenders, and zero fees charged to you.
No cost to you, ever
From $3,000 deposit*
$10,000 First Home Owners Grant*
B1 Homes is Perth’s specialist first home builder, and we know that finance is the part that stops most people from even starting. That’s why we built Lets Finance – our own in-house team of mortgage specialists who work exclusively with first home buyers. They search hundreds of loan products across dozens of lenders to find the right fit for your situation. They help you apply for the WA First Homeowner Grant (up to $10,000). They guide you through Keystart eligibility. And they do all of this at no charge to you. Many of our customers have gone from renting to building their first home with as little as $3,000 upfront. If you’re not sure where to start, that’s exactly what we’re here for.
How It Works
From your first question to your pre-approval to your loan settlement – we handle it all
Tell us your situation. Book a free, no obligation call with a Lets Finance specialist. They’ll ask a few simple questions about your
income, savings, and goals – no jargon, no pressure.
We find your best option. Your specialist searches hundreds of loan products to find what suits you – including Keystart, the First Homeowner Grant, and any stamp duty concessions you may be eligible for.
You get either a Letter of Eligibility or Pre-Approval and move forward. You’re now ready to secure land and get building. Your Lets Finance specialist stays with you through settlement, making sure nothing falls through the cracks
Your Finance Options
Every pathway to your first home, covered
First Homeowner Grant (FHOG). A one-off payment of up to $10,000 from the WA State Government for eligible buyers of new homes. Lets Finance checks your eligibility and completes the entire application for you – so you don’t miss out on a dollar.
Keystart Low-Deposit Loans. Keystart is a WA Government-backed lender designed to help people enter the property market without a traditional bank deposit. Eligible buyers may qualify for a loan with as little as a 2% deposit. Lets Finance has direct access to Keystart and can guide you through the full process.
Standard Home Loans. Not eligible for Keystart? No problem. Lets Finance compares products across dozens of lenders to find a competitive first or next home loan that suits your income, savings, and goals.
Stamp Duty Concessions. First home buyers in WA may be eligible to pay reduced or zero transfer duty depending on the property type and purchase price. Your Lets Finance specialist will identify every concession you’re entitled to.
Pre-Approvals. Pre-approval gives you confidence to move quickly when the right block of land becomes available. Lets Finance works fast to get your pre-approval in place so you don’t miss out.
Refinancing, Investment Home Loans & Next Home Loans. Already own a home? Lets Finance also helps existing homeowners refinance or upgrade, finding loan products that reflect your current equity and financial position
Your free home finance health check
Simply call us on (08) 9261 3100 or complete the form below and one of our Home and Land Specialists will get back to you.
Our in-house finance specialists, Lets Finance can offer you exclusive access to loan products and help you unlock the first home owners grant.
Frequently Asked Questions
What is the First Homeowner Grant?
The First Homeowner Grant in WA is a one-off, non-repayable payment of up to $10,000 from the State Government, available to eligible buyers purchasing a new home. B1 Homes’ in-house finance team, Lets Finance, will assess your eligibility and handle the application on your behalf at no cost to you.
Do I qualify for the First Homeowner Grant?
Eligibility depends on your situation. Lets Finance will check your qualification and assist with the application.
What is Keystart and how does it help first home buyers?
Keystart is a WA Government backed lender established to help people who can’t yet meet the deposit requirements of a traditional bank. It offers low-deposit home loans to eligible Western Australian residents, with deposit requirements as low as 2% of the purchase price. Lets Finance has direct access to
Keystart products and can assess your eligibility, explain your options, and guide you through
the application process
How much does it cost to use Lets Finance?
Nothing. Lets Finance is completely free for B1 Homes customers. They receive their commission directly from lenders, not from buyers. This means you get expert mortgage advice, comparisons across dozens of lenders, and full grant application support at zero cost to you
How long does home loan pre-approval take?
Pre-approval timeframes depend on your individual circumstances and the lender, but Lets Finance prioritises speed so you don’t miss out on land. In many cases, pre-approval can be in place within a few business days of your initial consultation. Your specialist will give you a realistic timeline at your first call.
Do I need to be a permanent resident or citizen to use these grants and loans?
Eligibility for the First Homeowner Grant and Keystart depends on your residency status, among other criteria. Australian citizens and eligible permanent residents may qualify. Lets Finance will
check your eligibility as part of your free assessment.
What happens after I submit my finance enquiry?
A specialist will contact you within one business day to arrange a free, no-obligation consultation, by phone, video, or in person at our Osborne Park office. There’s no pressure, no commitment, and no cost involved in finding out where you stand.
Finance products and grant eligibility are subject to individual circumstances, lender criteria, and WA Government eligibility requirements. Information on this page is general in nature and does not constitute financial advice. From $3,000 deposit subject to eligibility and finance approval.
SPG Finance Pty Ltd trading as Lets Finance, ABN 97 151 558 539. Authorised Credit Representative (Number 421017) of Vow Financial (Australian Credit Licence Number 390261).
