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  First Home Buyers.  
     

Been told that you need to save up thousands of dollars which could take you forever to save up?

Paying rent, struggling to save a deposit and costs to buy a home of your own while watching house prices increase?

Feel like you will have to buy a property that really doesn't suit you, or buy in a suburb that you really don't want to live in?

Lucky you came to Lifesaver!

There is an option available to get you into a home now.

Take advantage of a supportive family member willing to help you get started. Everyone's situation is unique. This could see qualifying to buy your own home immediately.

Call Lifesaver now and we can tailor a solution for you.

WHAT IS THE FIRST HOME OWNER GRANT?

The First Home Owner Grant (FHOG) was a Federal Government scheme established to offset the effect of the GST on home ownership by providing a grant to first homeowners.

The FHOG scheme came into effect on 1 July 2000 and is an on-going scheme with no end date yet specified.

The FHOG is not means-tested nor is it restricted by the purchase price of the property. A contract to purchase an existing home or to build a new home must be signed on or after 1 July 2000.

Many FHOG applicants may also qualify for various State Government grants and subsidies. The terms and conditions of such grants will vary dependent upon current State legislation and applicants should contact Lifesaver Home Loans for a current update.

ARE YOU ELIGIBLE?

To be eligible to receive the FHOG, the following eligibility criteria must be satisfied:

Each applicant and their partner must not have received a grant under a First Home Owner Grant Act 2000, in any State or Territory of Australia;

Each applicant and their partner must not have owned residential property, either jointly, separately or with some other person prior to 1 July 2000, in any State or Territory of Australia; Each applicant and their partner must not have owned and occupied a residential property, either jointly, separately or with some other person on or after 1 July 2000, in any State or Territory of Australia; Each applicant must be a natural person (not a company);

From 1 January 2004, each applicant must be at least 18 years of age at the time of settlement or completion of construction of the home

Note: The Commissioner may exempt an applicant from this requirement if satisfied that the home will be occupied, as the applicant's principal place of residence and the application does not form part of a scheme to circumvent eligibility or entitlement requirements.

At least one applicant for the grant must be a permanent resident or Australian citizen at the time of settlement or completion of construction of the home.

Note: A permanent resident includes the holder of a permanent visa under section 30(1) of the Migration Act 1958. New Zealand citizens holding a special category visa under section 32 of the Migration Act 1958 also satisfy this requirement.

From 1 January 2004, at least one applicant must occupy the home as his or her principal place of residence for a continuous period of at least 6 months commencing within 12 months of either settlement or completion of construction.

Note: The Commissioner may approve a lesser period if satisfied that there are good reasons why the applicant cannot comply with the 6-month requirement. The Commissioner also has discretion to extend the 12-month period if satisfied that the applicant cannot occupy the home within 12 months of settlement or completion of construction due to circumstances that were unforeseen and beyond the control of the applicant.

     
     

Some testimonials from people that we've helped...

"Easy to contact (both phone and email) and prompt replies. " - Lauren from Hoppers Crossing

"Consultative and although it's taken some time to get right - I appreciate the effort Peter went to to get the result." - Trevor and Jemima from Sunbury

"Both times we have dealt with you it has been hassle free." - Michael and Fiona from Ballarat

"Very friendly always available to answer questions very knowledgable." - Les from Rowville

"As always Peter is there when you need him no matter when or why. I dont have anyone else to recomend as yet but you can be assured as soon as i do they will be coming to you." - Glen and Renee from Berwick

"Straight to the point and you got me the best value for money" - Philip from Everton Park

"Your great work on obtaining our re-finance with Suncorp - they have been exceptional in service as you were! And the fact you ate my scary macaroon biscuits!!! If we need any financial requirements - you will be the first to hear from us!!!" - Jennie and Ray from Sassafras

"Efficiency and Contactability and information provided" - Ellen and Michael from Boronia

"Reliability Objectivity Flexibility, Thanks Peter! We LOVE our new house! It probably wouldn't have happened without your help! In a stressful time it's good to have someone on your side.Reliability Objectivity Flexibility, Thanks Peter! We LOVE our new house! It probably wouldn't have happened without your help! In a stressful time it's good to have someone on your side." - Lauren and Stephen from Warburton

"Thanks for the quick responses to all my correspondence - regular updates with the loan application." - Tina and Peter from Lilydale

"Thanks for responding to my questions so quickly." - George from Kenmore

"Thanks for having the forms ready to fill out and doing the running around for me." - Julie from Lawnton

"Your persistence and follow up was very much appreciated! Thanks for everything." - Rachel and David from Cockatoo

"Peter has level of genuine care and resolve to take a personal interest in my circumstance and case." - Fiona from Edithvale

"Peter has excellent communication and follow-up Knowledge of the choices." - Joanne from Burwood

"Thanks for understanding my finances and needs on how to structure my loan. Very helpful and understanding." - Niki from Fairfield

"Peter was extremely helpful and WOULD BEND OVER BACKWARDS TO ASSIST US." - Donna and Andrew from Hoppers Crossing

"Loved the fact that you asked if we wanted to go with someone else even after we had signed the papers with CBA and you had already done alot of work as it was!" - Stepanie and Greg from Upwey

"Thanks for your speedy responses." - Kylie from Kenmore

"Peter put up with my lack of understanding of the process. Helped me through information requirements from builder which were above beyond the norm." - Victor from Wantirna

"Peter gave me alternatives to buying an established property and the savings that could be had." - Suzanne from Maidstone

"Always kept us updated on the progress would always make sure we understood everything." - Michael and Joanne from Boort

"What did you like the most about me? How you go out of your way for your customers, and your honesty." - Carlo and Rina from Epping

 
 
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