Pilbara Finance

If you've been trying to break into the property market — heads up. Tuesday night's federal budget just changed the landscape, and most of it's in your favour. 🏡

Here's what shifted for first home buyers:

→ Less competition coming. Negative gearing on established investment properties will be limited to new builds from 1 July 2027 (proposed). Less investor demand for established stock should mean less elbow-throwing at auction.

→ The 5% deposit scheme is still on. The Home Guarantee Scheme continues — unlimited places, no income caps. Perth metro cap is $850K, regional WA is $600K. No LMI on eligible loans.

→ Help to Buy is maturing. The government can co-purchase up to 40% of a new home or 30% of an established one with eligible buyers — meaning less to borrow and lower repayments from day one.

→ Treasury reckons 75,000 more Australians will get into home ownership over the next decade because of these changes.
Translation: if you've been waiting for the right moment, the timing just shifted in your favour.
Want to see what you could actually afford right now? We'll run the numbers with you — proper conversation, no hard sell. 👇

🔗 pilbarafinance.com.au

Budget night came and went on Tuesday — and if you own property, want to own it, or are just trying to keep up, a fair bit changed in one evening. 🏡

Here's the 60-second version:

→ Negative gearing on established investment properties will be restricted to new builds only from 1 July 2027. The cut-off was 7:30pm Tuesday night. If you already own one, you're grandfathered.

→ The CGT 50% discount is being overhauled — replaced with cost-base indexation and a minimum 30% rate on additional gains.

→ The 5% deposit Home Guarantee Scheme is still going. Unlimited places, no income caps.

→ Help to Buy is maturing — the government can co-purchase up to 40% of a new home with eligible buyers.

→ The foreign buyer ban on established homes has been extended to 30 June 2029.

These tax changes are still proposed — they need to pass parliament. But the timing matters, especially that 7:30pm cut-off.

Want to know what any of it means for your situation? Give us a bell — we'll talk you through it in plain English. 👇

🔗 pilbarafinance.com.au

The best time to get into the property market was five years ago.

The next best time? Right now. 🏡

We've spent this whole series breaking down everything a WA first home buyer needs to know — grants, schemes, deposits, the process. Here's the bottom line:

→ You probably need less than you think to get started
→ There are schemes designed specifically to help you in right now
→ Every year you wait is rent paid and equity not built
→ One conversation is all it takes to know where you actually stand

No forms. No hold music. No being passed between departments at a bank who doesn't actually care.

Just slide into our DMs on Instagram or Facebook and we'll give you a straight answer. We actually reply. 👋

📲 pilbarafinance.com.au

General information only. Not personal financial advice. Subject to lender assessment, eligibility criteria and credit approval.

Most first home buyers find a home they love, then panic about finance. 😬
Here's the smarter move: get pre-approved before you even start searching. That way, when your offer is accepted, you're already a lap ahead of every other buyer scrambling to get their paperwork together.

Here's how the process looks when you've done it right:

→ Pre-approval sorted ✓ — you're already here before Day 1
→ Days 1–3: Finance formally lodged
→ Days 5–10: Conditional approval
→ Days 10–21: Formal unconditional approval 🎉
→ Days 21–38: Loan docs signed, settlement booked
→ ~Day 42: Keys. Settlement. Done. 🏡

Six weeks from offer to ownership. And with pre-approval in your pocket, you walk into every open home knowing exactly what you can spend.

Get pre-approved before you start searching 👉 pilbarafinance.com.au

General information only. Not personal financial advice. Timelines are indicative and vary by lender and conveyancer. Subject to lender assessment and credit approval.

The 20% deposit myth strikes again. 🏡

Here's the truth: the federal government will back 15% of your home loan so you don't have to. That means you can buy with just a 5% deposit — and pay zero LMI. We're talking a saving of $10,000 to $30,000 before you've even moved in.

How it works:

→ Save 5% deposit (new or established home)
→ Government guarantees the gap — lender waives LMI completely
→ Buy through a participating lender up to $850K in Perth metro

No income caps. No place limits. Available right now!

Talk to us about whether the HGS is right for your situation 👉 pilbarafinance.com.au

General information only. Not personal financial advice. Eligibility criteria apply. Subject to lender assessment and credit approval.

WA first home buyers? You've got more going for you than you probably realise. 🏡

Right now there are four separate programs designed to get you into your first home faster — and most people only know about one of them. Here's the full picture:

→ First Home Owner Grant — $10,000 cash toward a new home
→ Home Guarantee Scheme — 5% deposit, no LMI, government-backed
→ Stamp Duty Exemption — full exemption on homes under $500K (that's up to $17,765 back in your pocket)
→ Keystart — WA Government lender, 2% deposit, no LMI

The real magic? These can be stacked. A broker who knows WA will make sure you're not leaving money on the table.

📲 pilbarafinance.com.au

General information only. Not personal financial advice. Eligibility criteria, income caps and property price caps apply. Subject to lender assessment and credit approval.

Four towns. Four wild rides. One very WA story.

Karratha and Port Hedland didn't just grow during the mining boom — they went from under $100K in 2000 to nearly $1 million by 2012. Then crashed back to $290K. Then climbed again.

Broome took a steadier path — tourism and lifestyle driving consistent demand, now sitting at $730K.

Kalgoorlie? Gold-backed, less volatile, quietly compounding.

The lesson isn't "don't invest in regional WA." The lesson is: know the cycle, know the drivers, and know when to move.

We work with FIFO workers, miners and regional WA buyers every day. We understand these markets better than most brokers ever will.

If you're thinking about buying in the Pilbara, Goldfields or Kimberley — talk to us first.

👉 pilbarafinance.com.au

General information only. Not personal financial advice. Data sourced from REIWA/Landgate. Subject to lender assessment and credit approval.

You don't need a 20% deposit. You never did. 🏡

Most first home buyers spend years saving a number they saw on a website once — and never stopped to ask if it was actually true. In WA right now, you can get into your first home with as little as 5% (or even 2% through Keystart). No LMI. No catch.
Here's what you actually need to know:

→ 5% deposit via the Home Guarantee Scheme (government-backed, no LMI)
→ 2% deposit via Keystart if you're under the income and price caps
→ Some professions qualify for zero LMI at 90–95% LVR

Stop waiting. Start finding out where you actually stand.

📲 https://pilbarafinance.com.au