Pilbara Finance

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.

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