First Home Buyer Solicitor

Secure Your First Home with Confidence

Stepping into the property market for the first time is one of life’s biggest milestones. But with modern 2026 property prices and complex legal requirements, you need more than just a standard settlement; you need a first home buyer solicitor who can navigate the grants, exemptions, and contract “fine print” on your behalf.

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.

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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.

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Expert Contract Reviews

We identify “red flags” in contracts before you sign or bid at auction.

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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.

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.

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

    
 
 
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   Batman TheDarklord 
 
 
 
  They did a very good job for us. Highly recommended. We had some problems with the settlement date and delays with our bank and they went to great lengths to resolve the problem.
  
 
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   Alex Mullen 
 
 
 
  Christine and Taylor are awesome, I have always had a great experience with Classic Conveyancing. Their attention to detail and professionalism are always outstanding. I highly recommend their services.
  
 
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   Francis Ycasiano 
 
 
 
  Christine and team were always helpful throughout the whole process
  
 
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   Alyce Moussa 
 
 
 
  The second time I have worked with Christine from Classic Conveyancing and she just continues to set the bar. We had a very quick settlement and Christine worked tirelessly (whilst on her holiday mind you) to make sure everything worked seamlessly for us. I couldn’t be more grateful for the amazing work she has done for us.
  
 
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   Kaylie Jane 
 
 
 
  Thank you Christine for helping my partner and I with buying our first home! Communication is so important to me and Christine’s communication was great. I would send an email and 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! Also, Christine and Clyde Gonsalvez from “better financial tomorrow” work so well together. Happy new year!
  
 
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   Elin Beattie 
 
 
 
  This is the third time in two years that I have used the services of Classic Conveyancing for both purchases and sale of my properties. Christine and her team provided excellent service and communication throughout each process and all my emails/concerns were always addressed promptly. August 2022 property purchase had so many hassles as the first off-the -plan property fell through but Christine made sure that everything proceeded smoothly including a stamp duty refund! January 2023 purchase had a few hassles but with sound advice and professional service from Christine, everything went smoothly. November 2023. The team at Classic Conveyancing were extremely professional and efficient in the sale of our apartment. Christine and Taylor made the whole process of selling a property easy and were quick to respond to any queries especially involving non-resident client. I would highly recommend the services of Classic Conveyancing and will continue to use them in the future. Thank you, Christine and Taylor!
  
 
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   Alethea Mellon 
 
 
 
  We have bought and sold 5 properties with the help of Christine and her team. She has always helped out no matter how annying I am and we couldn't ask for a better conveyancer.
  
 
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   Bianca S 
 
 
 
  Could not praise Christine and Taylor enough. They are super efficient and professional. They got our house settled quickly despite massive hurdles and read all the fine print to ensure we were getting the best deal for us. We highly recommend choosing Classic Conveyancing Company particularly when buying your first property. Thanks so much for all your help!!!
  
 
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   Michelle Donovan 
 
 
 
  Christine has done several properties for me .She is very friendly and communicates every step of the way to settlement.She is very professional and I have no problem recommending her services to family and friends.

Get in touch with our First Home Buyer team

Our First Home Buyer team provides tailored legal guidance to help you navigate the purchase process with confidence. Get in touch today to discuss your needs and take the next step towards owning your first home.

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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.