Your first home buyer guide
When you build with WA Country Builders, it’s easy to find a place to call home.
And, because you’re building, you can create a home without compromise. Everything you want, everything you need, and exactly how you like it – that’s what you get when you build your first home with us!
At WA Country Builders, we have a team of First Home Builders who are there to help you get into your first home. They’ll work with you to select the perfect home design, along with a block to build it on.
Our First Home Builders will also help you navigate your finances, assisting with low-deposit loan options and government grants. You might be surprised to discover that building your first home isn’t as expensive as you first thought!
We make building your first home as simple, affordable and as smooth as possible.
Three easy steps to homeownership
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Finance
The first step is to qualify for finance and set a budget. Once we have this, we need to break it down into how much to spend on land and how much to spend on a home. We will help you access all the government grants you are entitled to, including stamp duty concessions and the First Home Buyers Grant. From here we can easily ascertain which locations are best suited to your budget and your own personal needs of where you want to live.
Land
When selecting a block, we will help you to consider many things: size, price, orientation and building covenants, to name a few. Once a block is selected you will sign paperwork called an ‘Offer and Acceptance’. This is your land contract and will form the first important part of your home and land package.
Home
This is the fun part. Selecting your home is easy with our experienced First Home Builders. We will consider many aspects for you and your family’s needs, including number of rooms, future family requirements and number of cars, for example. More importantly, we will stick within your budget requirements.
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Designs - House & Land
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specially selected for first home buyers
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If you can afford to rent, then you can probably afford to build.
Our experienced team of First Home Builders will make sure you receive all government grants you’re entitled to. Plus, we’ll get you into a home of your own with a low deposit and ensure you receive the best possible home loan tailored to your budget.
Government grants
Our First Home Builders work with a team of expert first-home finance brokers to simplify and streamline the finance process. They will explore the latest first home buyer finance incentives and grant options available, tailoring a suitable finance option for you.
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$10,000 first home owner grant
Keystart loans
Stamp duty consessions
The first home owner grant (FHOG) is a one-off payment to encourage and assist first home buyers to buy or build a new residential property for use as their principal place of residence.
The grant is $10,000 or the consideration paid to buy or build the house if less than that amount. Only one grant is payable per eligible transaction, so two people purchasing a house together may only receive one grant.
If you are a first home buyer, you may qualify for the grant if you are purchasing or building a new home. The grant is not available for the purchase of an established home or for renovations to an existing home.
The good news is as a first home buyer you are most likely eligible for the State Government’s $10,000 First Home Owner Grant. We can help you access the $10,000 government grant – another reason why you should build your new home with WA Country Builders.
The Keystart ‘Low Deposit’ Home Loan is a variable interest rate loan which can be used by owner-occupiers to buy an established home or build a new house.
Keystart was established to provide low deposit home loans to Western Australians unable to meet the deposit requirements from mainstream lenders and is available to both first and non-first home buyers. Furthermore the barriers to home ownership is assisted by offering lower entry costs and no lender’s mortgage insurance.
We work with our network of experienced Keystart Platinum Brokers to explore a range of options to help you achieve your homeownership dream.
True to its name, stamp duty is the tax that is charged for your legal documents to, quite literally, be stamped by the Government.
Depending on where you live and the value of your property, these charges will differ.
As part of the WA first home buyer assistance, there is an additional benefit to first home buyers who buy vacant land packages below $300,000, who pay zero stamp duty on purchases which can reduce the costs by thousands of dollars. There are also reduced stamp duty for land below $400,000 adding even more of an incentive for first home buyers in Western Australia.
Is building my first home a good idea?
We think so! There’s no better way to get a home that’s entirely your own and built to your exact specifications. Building your first home also gives you access to government grants and stamp duty concessions.
How much money do I need for a deposit?
You might be able to build for a lot less than you think. Less than 2% deposit could be enough to get you started, if you’re eligible. Our first home buyer experts can help you navigate the low-deposit options and get you started. Get in touch to find out more.
First Home Buyers
Is building my first home a good idea?
We think so! There’s no better way to get a home that’s entirely your own and built to your exact specifications. Building your first home also gives you access to government grants and stamp duty concessions.
What is the process of buying a home for the first time?
Building your first home is an exciting journey, and we’re here to guide you through every step. Here’s how the process typically works:
Initial Consultation:
Meet with our team to discuss your budget, lifestyle needs, and preferences. We’ll help you choose a home design and land package that suits you.
Finance Pre-Approval:
Get pre-approved for a home loan, including any applicable grants (like the FHOG). We can recommend trusted brokers or work with your lender.
Land Selection & Contract Signing:
Once your ideal block is secured, you’ll sign a land contract and a building contract. We’ll also prepare detailed plans and specifications.
FHOG & Approvals:
We assist you with your First Home Owner Grant application and guide you through building approvals and developer/council requirements.
Pre-Start Selections:
You’ll choose your finishes, colours, and fixtures with help from our interior design consultants to personalise your home.
Construction Begins:
We manage the full build process—siteworks, slab pour, frame, roofing, and interior fit-out. You’ll receive regular updates throughout each stage.
Final Inspection & Handover:
Before handover, we walk you through the completed home for a final inspection. Once everything is approved, we hand over the keys!
Move In & Aftercare:
You move into your brand-new home! We also provide a maintenance and warranty period for peace of mind.*
How much deposit do I need as a first home buyer?
You might be able to build for a lot less than you think. Less than a 2% deposit could be enough to get you started, if you’re eligible. Our first home buyer experts can help you navigate the low-deposit options and get you started.
Our first home buyer experts can help you navigate the low-deposit options and get you started. Get in touch to find out more.
What is Keystart and how does it help first home buyers?
Keystart is a WA government-backed lender that offers low-deposit home loans (as low as 2%) with no lender’s mortgage insurance (LMI). It’s designed to help first home buyers enter the property market sooner.
We work with our network of experienced Keystart Platinum Brokers to explore a range of options to help you achieve your homeownership dream.
Can I get any stamp duty concessions as a first home buyer in WA?
If you’re a first home buyer;
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No stamp duty is payable on homes valued up to $430,000.
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A concession rate applies for homes valued between $430,001 and $530,000.
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For vacant land, no duty is payable on values up to $300,000, with concessions up to $400,000.
Am I eligible for the First Home Owner Grant?
To be eligible, you must:
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Be at least 18 years old.
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Be an Australian citizen or permanent resident.
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Not have owned residential property in Australia before (with some exceptions).
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Occupy the home as your principal place of residence for a continuous period of at least 6 months within 12 months of completion.
What is the First Home Owner Grant (FHOG) in WA?
The First Home Owner Grant (FHOG) is a one-off payment of $10,000 available to eligible first home buyers who are building or purchasing a new residential property in WA. Unfortunately, it’s not available for established homes.
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Whether you’re looking to browse our range of beautiful home designs, view our inspirational display homes, or build a custom home, contact us today and discover WA Country Builders’ better building experience.
