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First Home Buyer Checklist

This checklist is designed for buyers who want the planning layer organised before they choose a lender path or narrow the suburb shortlist too aggressively.

First home buyer checklist with keys and documents

What is covered

  • Deposit and cash-buffer checks before the search starts.
  • Document list for PAYG, self-employed and mixed-income files.
  • NSW grant and duty prompts that are worth confirming early.
  • Suburb and property-type notes so the budget stays realistic.
  • Pre-approval questions to sort before auction or offer season picks up.

How this is calculated for pre-approval planning

The checklist is designed to be used before the lender shortlist becomes fixed. It helps organise the deposit, documents, suburb choices and grant checks that tend to affect the first clean pre-approval or application path.

For formal consumer guidance while working through the checklist, keep the current references from Moneysmart and ASIC nearby.

Request the checklist

Send the basic details and the checklist link can be included in the written follow-up.

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Assumption set

This checklist is selected for a typical Australian first-home-buyer file. It assumes the buyer is seeking residential owner-occupier finance, needs lender document readiness, and may need current state or Commonwealth scheme eligibility checked. It is not personal credit advice and does not confirm grant, concession, guarantee or lender approval; those items must be checked against current rules and the borrower's circumstances.