Loan calculator

Loan calculator

Find out how much you can borrow

Government Support to First Home Buyers

Find out more here or call today. Your Start Point consultant will be able to guide you through making the most of these programs.

State and Federal Governments in Australia offer a range of support programs for first home buyers. These include:

  • Queensland First Home Owners Grant
  • Queensland Stamp Duty concessions
  • The Federal First Home Loan Deposit Scheme
  • The Federal First Home Super Saver Scheme

Understanding Loans

The home finance industry has changed over the last few years. So, it’s important to talk to professionals that can guide you through the loan options available to you. Nu-Age can help you on this journey.

Loans are usually based on a few key variables.

  • Available government grants
  • Deposit levels
  • LVR’s – Loan to Value Ratios
  • Interest rates
  • Repayment rates
  • Lenders’ Mortgage Insurance (LMI)
  • Stamp duty concessions
  • Personal lending capacity

As values and percentages change for each of these variables, the loan packages that are available also change. Choosing the right home loan can be a confusing process, which is why everyone needs guidance through the options, and what each one means for a household. Contact us to work with our finance partner, Nu-Age Finance.

Start Up Costs

To fully understand what this could all mean for you, your Start Point consultant will guide you through the process, introduce you to our finance partner Nu-Age who will identify a loan type, related fees and the amount that best suits your financial situation.

A home loan will also come with a number of costs. These include:

Deposit costs

Deposit costs depend on where you buy, what sort of loan you’re getting, and if you’re buying an established home or building your own.


One of the biggest charges most lenders apply to a low deposit home loan is something called Lenders’ Mortgage Insurance (LMI). It’s an insurance that you pay to protect your lender in case you can’t make your repayments and default on your loan, which can be a big cost.


Building (home) insurance provides cover if your house is damaged. When you take out a home loan, you must have building insurance on the home you buy.

Fees and charges

Loans come with fees, which can be confusing. These might include Upfront Establishment fees, Valuation Fees, Progress Inspection Fees, Loan Provision Charges, Split Loan Establishment Fee, Loan Variation Fee, Settlement Fee, Disbursement Administration Fee and more. These range from $150 to thousands of dollars.

Conveyancer Costs

Conveyancers are experts who help with the sale and transfer of ownership of a property. You will need them to assist with the legal aspects of buying a home. Their fees vary according to the services they provide and how complex the sale is.

Talk to a finance specialist

Start Point have partnered with Nu-Age Finance who can provide you with tailored home loan options. So even if you’ve had trouble getting finance in the past, they may be able to help. Nu-Age Finance are an Australian retail finance brokerage whose brokers are passionate about helping you achieve your property goals sooner.

What can I do next?

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