Buy your first home


With a deposit as low as 5% under the Home Guarantee Scheme (HGS)*.

*eligability criteria and conditions apply

We support you buying your first home

Purchase your first home with a deposit as low as 5%* under the Federal Government Home Guarantee Scheme (HGS).

Mortgageport have supported hundreds of Australians to get into their first home sooner. And we are proud to be an approved lender under the Federal Governments Home Guarantee Scheme (HGS) allowing us to provide home loans to eligible home with as little as a 5%* deposit and no Lenders Mortgage Insurance (LMI). The First Home Guarantee (FHBG) is part of the Home Guarantee Scheme. The purpose of FHBG is to support eligible first home buyers to enter the housing market sooner. It does this by allowing NHFIC to issue up to 35,000 guarantees each financial year from 2022-23 for eligible loans to first home buyers with a deposit of between 5 and 20 per cent of the property value. With limited spots available we can help you to secure your place.

*terms and conditions apply.

Why Mortgageport?


Mortgageport is proud to be an approved lender on the Government’s Home Guarantee Scheme (HGS) lending panel.

Low deposits

With a deposit from 5% without paying Lenders Mortgage Insurance*.
* conditions apply

Competitive rates

Offering competitive rates on your home loan.

Specialised service

With Lending Managers specialised in helping first home buyers as your single point of contact.

In-house credit team

We approve your loan in-house, so you don’t have to wait in line to get an answer.

Eligibility Criteria

If you fall under the following then you're eligible to apply with us

  • All applicants must be first time home buyers and Australian citizens
  •  An individual must have earned less than $125,000 in the previous financial year
    or $200,000 for a couple
  • You must have a minimum of 5% deposit and a maximum of 20% deposit
  • The property you are purchasing must not exceed price caps, which change
    depending on location

You can find more information about the FHBG and eligibility criteria on the National
Housing Finance and Investment Corporation website. Or download the Scheme fact sheet.


Ready? We are too!

Let’s get you where you want to go.

We provide many ways you can get in touch with us. Whether call, in person or email, we can work into your busy day as you need.

Book an appointment

Find a time on your calendar and let us know. We’ll call you back and discuss your needs.

Call for instant answers

Monday to Friday 8:30am to 5:30pm (AEST/AEDT)

Email your enquiry

Take the time to outline your needs and we’ll take the time to make it happen.