How to Buy Your First Home Without Freaking Out — A 2025 Survival Guide
Buying your first home is exciting — but let’s be real, it can also be stressful, confusing, and downright overwhelming.
That’s why this guide exists: to help you cut through the noise, get clear on the steps, and actually enjoy the process of buying your first home in 2025. No stress, no mystery — just a solid game plan, brought to you by your mates at Nude Home Loans.
🧠 Step 1: Understand Your Borrowing Power
Before you go browsing on realestate.com.au or hitting up open homes, you need to know what you can afford.
We help you:
Crunch your numbers based on income, expenses, and savings
Factor in hidden costs (stamp duty, LMI, conveyancing)
Get a real idea of what lenders will actually offer
📄 Step 2: Get Pre-Approved (Seriously, Do This First)
Pre-approval gives you:
A firm budget to work with
Confidence when negotiating
Respect from agents and sellers
We:
Compare 30+ lenders
Find the best match for your situation
Get you pre-approved fast — with no fluff
🏡 Step 3: Start House Hunting With a Game Plan
Now that you’ve got the green light, it’s time to find the right property.
We help you:
Set a realistic budget range
Choose suburbs that fit your lifestyle and price point
Understand what to compromise on (and what not to)
💰 Step 4: Explore Low Deposit & First Home Buyer Options
Can’t save 20%? That’s fine.
We walk you through:
5% deposit loans
First Home Guarantee
State-based grants and stamp duty discounts
Using a guarantor if needed
📑 Step 5: Make an Offer (And What Happens Next)
You found “the one.” What now?
We guide you through:
Making a strong offer
What’s in a contract of sale
Building and pest inspections
When to go unconditional
🔍 Step 6: Final Approval + Settlement
Once your offer is accepted:
We finalise the loan with your lender
Liaise with your conveyancer
Help you understand settlement timelines
Make sure the money shows up on time
You get the keys. We bring the (figurative) champagne.
👥 Real Nude Story: Josh & Lucy in Mill Park
Josh and Lucy were overwhelmed after being knocked back by their bank.
We:
Found them a lender that accepted casual income
Helped them buy with an 8% deposit
Settled in 28 days
“Everything finally made sense. We didn’t just get a loan — we got a whole support crew.”
🧭 Bonus Tips to Stay Sane
Don’t overthink every listing
Avoid taking on new debt mid-process
Trust your pre-approval limit
Keep your paperwork tidy
✅ Ready to Buy Your First Home Without the Headaches?
Let’s build your game plan together.
