The market a first home buyer campaign sells into
Owner occupier first home buyers took out 29,319 new loans in the June quarter of 2026, worth $18.4 billion, according to the ABS lending indicators. The value was 10.0% higher than a year earlier even though the count fell 2.9% over the quarter, which says something about loan sizes. The average new owner occupier loan across Australia was $731,000.
The bigger change came from policy. From 1 October 2025 the Home Guarantee Scheme has no income limits and no cap on places, so any first home buyer with a 5% deposit can apply and skip lenders mortgage insurance. Price caps rose at the same time, to $1 million in Brisbane for example. The government expects buyers to avoid around $1.5 billion in insurance costs in the first year. More people now qualify to enquire, and more of them can complete.
What a first home buyer record carries
A first home buyer needs more explaining than a refinancer, and the record is built to shorten that first call.
- Deposit saved, and whether it is their own savings, a gift or a guarantor
- Whether they expect to use the Home Guarantee Scheme or a state grant
- Rough purchase budget and the areas they are looking in
- Employment type and how long they have been in the role
- Property type: established, new build, or house and land
- Timing in their own words, plus the time stamp and consent record
Why finance screening matters more here
A first home buyer has no equity, a short credit history and often a rough idea of borrowing power. That is the profile the PrimeProof screen was built for. Of high income property enquirers we measured, 51.8% fail on finance; on leads cleared by the screen, fewer than 5% do. We do not approve anyone. A lender does that. We keep the clear non starters out of your diary.
New build enquiries
A share of first home buyers are buying house and land or building, which changes the loan and the timeline. If your campaign should include them, the page on construction loan leads describes what a progress-payment enquiry carries. Buyers who already have a lender in mind but no approval yet are covered under home loan pre-approval leads.
How you buy them
Set the criteria: states, budget range, scheme use, established or new. Agree a fixed cost per lead before anything runs, with no retainer and no lock in. Records arrive live into your CRM and are exclusive to you. Invalid leads are reviewed within five business days and replaced or credited when confirmed. The steps are on the page about how to buy mortgage leads.