Secure Your First Home with Confidence
At Classic Conveyancing, we specialise in helping first-time buyers in Blacktown, Penrith, and St Marys. We don’t just process paperwork; we act as your legal advocate to ensure your deposit is protected and you receive every government incentive you’re entitled to.
Why choose us?
First home buyers trust us because we make the complex simple.
Affordable Fixed Fees
No hidden legal costs, so you can budget for your move with certainty.
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Maximised Grants
We handle the applications for the First Home Buyers Assistance Scheme and the FHOG.
Expert Contract Reviews
We identify “red flags” in contracts before you sign or bid at auction.
Proven Experience
Under the leadership of Christine Barnes, our team has helped thousands of families move into their first homes over the last 40 years.
What our clients say about us
““Christine helped my partner and I with buying our first home! She would ALWAYS respond so quickly and cleared up any questions I had as a first home buyer. She made the whole process simple and easy. I would highly recommend!”“
— Kaylie Jane
Our first home buyer services include
- Stamp Duty Exemptions (FHBAS): In 2026, we help you secure full exemptions for homes up to $800,000 and concessions up to $1,000,000.
- First Home Owner Grant (FHOG): We manage the $10,000 grant application for eligible new builds or substantially renovated properties.
- First Home Super Saver (FHSS) Advice: We guide you through the 2026 ATO requirements to ensure your released super funds are ready for settlement.
- Pre-Auction Reviews: Don’t bid blindly. We review auction contracts and strata reports to ensure there are no expensive surprises.
- 5% Deposit Scheme Support: We coordinate with your lender to ensure
- compliance with the Australian Government 5% Deposit Scheme (no LMI).
- Step-by-Step Guidance: From the initial offer to the moment you get your keys, we explain the process in jargon-free English.
Get in touch with our First Home Buyer team
Conveniently located in St Marys, our team is perfectly positioned to help you buy your first home anywhere in Western Sydney or across NSW.
Address: Suite 17, Star Arcade, 178-186 Queen Street, St Marys NSW 2760
Email: co****@***********om.au
Tel: (02) 9623 2777
Mob: (+61) 0411 457 273
Frequently asked questions
How much can I actually save on Stamp Duty in 2026?
Under the First Home Buyers Assistance Scheme (FHBAS), the savings are significant. If you are buying an existing home or a new build:
- Up to $800,000: You pay $0 in transfer duty (a saving of over $30,000).
- $800,000 to $1,000,000: You receive a concessional rate (a sliding discount).
- Vacant Land: You pay $0 duty on land valued up to $350,000, with concessions up to $450,000.
Can I get the $10,000 Grant for an existing house?
No. The First Home Owner Grant (New Homes) is strictly for:
- Buying a brand-new home that has never been lived in.
- Buying a “substantially renovated” home from a seller.
- Building your own home on vacant land. The property value must be under $600,000 (for a house) or $750,000 (for a combined land and build contract).
What is the "12-month rule" for living in the property?
To keep your stamp duty exemptions and grants, NSW law requires you to:
- Move into the property within 12 months of settlement.
- Live in the property as your principal place of residence for at least 12 continuous months. Note: Members of the Australian Defence Force (ADF) may be exempt from this residency requirement if they are on the NSW electoral roll.
How does the 5% Deposit Scheme work in 2026?
The Australian Government 5% Deposit Scheme (formerly the First Home Guarantee) allows you to buy a home with just a 5% deposit without paying Lenders Mortgage Insurance (LMI).
- 2026 Update: The property price cap for Sydney and regional centres has been lifted to $1.5 million, making more homes in Western Sydney eligible for the guarantee.
- The government “guarantees” the other 15% to your bank, saving you up to $35,000 in LMI fees.
Can I use my Superannuation for my deposit?
Yes, via the First Home Super Saver (FHSS) Scheme. You can withdraw voluntary contributions you’ve made to your super (up to $15,000 per year and $50,000 total) to use toward your deposit.
- Tip: If you are buying with a partner, you can each access up to $50,000, potentially giving you a $100,000 head start on your deposit.
Do I need a solicitor before I go to an auction?
Absolutely. In NSW, an auction contract is unconditional. This means there is no cooling-off period. If you win the auction, you are legally bound to buy the house “as is.” Our team provides pre-auction contract reviews to check for:
- Illegal structures or zoning issues.
- Unfair “special conditions” hidden in the back of the contract.
- Errors in the title that could cause your bank to reject your loan at the last minute.
Buy with absolute confidence
Partner with Western Sydney’s most trusted property legal team.