Register your interest
FREE First Home Buyers Seminar
Early February 2024
Stop paying dead rent!
Sign up for our first home owner seminar!
Get $30k off your build
$30k First home buyer construction grant is payable to all First Home Buyers up to a total cost of $750k.
Zero Stamp Duty*
You may be eligible for zero stamp duty fees on all land purchases up to $250,000.
Build up to $550k
$550,000 Maximum Purchase Price of House & Land under the Low Deposit Government Scheme.
Minimal Deposits
Your deposit can be a gift from family, does not need to be saved up as genuine savings.
You’re in safe hands.
Award-winning builders and finance
About Value Homes
Established in 1992 by Cairns native Ralf Dutton, Value Homes has been a local cornerstone for three decades. Dutton, with an extensive background in the building industry, launched the award-winning company in 1992, known for its quality and innovation.
In 2022, Nathan Coe assumed the role of CEO, ushering in a new era for Value Homes. Under Coe’s leadership, the company has strategically focused on specialising in first homes for buyers, aligning with evolving market needs.
Built on Dutton’s foundation, Value Homes has thrived, overseeing project homes in Cairns and expanding regions. The dedicated team collaborates seamlessly to turn clients’ aspirations into reality. Dutton’s industry experience, including post-cyclone Tracy efforts in 1976, has played a pivotal role in shaping Value Homes, which continues to thrive today as a testament to its commitment to excellence and customer satisfaction.
About Horizon Financial
Recognising that your first home is more than just a property – it’s a dream and an investment in your future – we tailor home loans to suit your aspirations and circumstances. Our experienced brokers guide you through the process, evaluating over 450 home loan options from top banks and lenders to align with your financial goals.
What sets us apart? Our service is entirely free. We break down financial barriers for first home buyers, saving you time and hassle in securing your dream home. Our commitment is to find not just any home loan but one that seamlessly fits your unique situation.
Choose Horizon Financial for a seamless and rewarding first home purchase. We prioritise transparency, clear communication, and a client-centric approach, ensuring a team of experts works diligently to secure the perfect home loan for your first step into home ownership.
Break the rental cycle
$30,000 available to First Home Buyers
Scenario #1
First home buyers
Max costs of $550k
Requirements:
First home buyer who has never owned
a home in Australia before.
Owner Occupied
Australian Citizen or Permanent Resident
Max House & Land costs of $550,000
Land purchase price not exceeding $250,000
Max Joint income of $200Kp.a. or $125K if single
You’re eligible for:
$30,000 First Home Owners Construction Grant (FHOCG)
First Home buyer Guarantee (i.e. no mortgage insurance premium payable)
No Stamp Duty on land purchase up to $250k
You’re eligible for:
Deposit/Funds Required can be non-repayable gift/sale of asset/savings etc.
Minimum 5% deposit + Purchase costs required or 2% Deposit + Purchase Costs if you’re a single parent
$31000 deposit required for $550,000 Purchase (approx. $31,000 upfront, $1,000 after $30,000 FHOCG grant payment)
Scenario #2
Owned previously
10 years without owning
Requirements:
First home buyer who has never owned
a home in Australia before.
Owner Occupied
Australian Citizen or Permanent Resident
Max House & Land costs of $550,000
You’re eligible for:
$30,000 First Home Owners Construction Grant (FHOCG)
First Home buyer Guarantee (i.e. no mortgage insurance premium payable)
No Stamp Duty on land purchase up to $250k
You’re eligible for:
Deposit/Funds Required can be non-repayable gift/sale of asset/savings etc.
Minimum 5% deposit + Purchase costs required or 2% Deposit + Purchase Costs if you’re a single parent
Total Funds Required for $550,000 Purchase = approx. $31,000 upfront ($1,000 after FHOCG grant payment)
Scenario #3
First home buyers
Max costs of $750k
Requirements:
First home buyer who has never owned
a home in Australia before.
Owner Occupied
Australian Citizen or Permanent Resident
Max House & Land costs of $550,000
Land Purchase Not exceeding $250,000 (Can go over but Stamp Duty is payable)
You’re eligible for:
$30,000 First Home Owners Construction Grant (FHOCG)
First Home buyer Guarantee (i.e. no mortgage insurance premium payable)
No Stamp Duty on land (land purchase up to $250,000)
You’re eligible for:
Deposit/Funds Required can be non-repayable gift/sale of asset/savings etc.
Minimum 5% deposit + Purchase costs required or 2% Deposit + Purchase Costs if you’re a single parent
Total Funds Required for $550,000 Purchase =$45,500 ($15,500 after FHOCG grant payment for 5% deposit)
Register for our FREE
First Home Buyer Seminar
Secure your spot at the First Home Buyer Seminar by registering your interest now. Gain valuable insights and expert advice to navigate the home buying journey. Don’t miss this opportunity—reserve your spot today!
Value Homes (N.Q.) Pty Ltd | QBCC Lic. No. 31645
Horizon Financial Pty Ltd ATF M&D Turnbull Family Trust | Australian Credit Licence 428062