First Home Buyer Help

Start Strong on Your Home-Buying Journey

Buying your first home is one of life’s biggest milestones — and in Albany, it’s a fantastic time to step onto the property ladder. With lifestyle appeal, affordability, and community charm, Albany’s property market continues to attract first-time buyers looking for stability and value. Here’s your complete guide to buying with confidence, from Elders Real Estate Albany and local agent Tommie Watts.

1. Understand Your Budget & Borrowing Power

Before falling in love with a home, it’s important to know what you can afford. Meet with your bank or a trusted mortgage broker to arrange pre-approval. This shows sellers you’re serious and helps you act quickly when the right home appears. In Albany’s active market, buyers with pre-approval often secure the best properties first.

Don’t forget to factor in additional costs such as settlement fees, building inspections, and home insurance. Being financially prepared will help you make smarter, faster decisions when it matters most.

2. Take Advantage of WA First Home Buyer Grants

WA offers strong incentives for new buyers. The First Home Owner Grant (FHOG) and stamp duty concessions can save you thousands. If you’re purchasing in Albany or regional WA, you may qualify for additional support, particularly if you’re building a new home. Visit the official WA Government site for the latest eligibility details.

3. Research the Albany Property Market

Every suburb tells a different story. McKail and Yakamia offer family-friendly affordability, while Middleton Beach and Mira Mar provide lifestyle and long-term growth. Explore recent sales and listings through Elders Albany to understand where value lies. A little research goes a long way when you’re buying your first home.

Keep an eye on infrastructure developments and local amenities — Albany’s steady growth, new schools, and improved transport links continue to shape the city’s future property value.

4. Inspections & Due Diligence

Once you’ve found a property you like, organise a building and pest inspection. This gives you clarity on any maintenance needs before you commit. If you’re unsure, seek advice from your conveyancer or real estate agent. A good agent will guide you through the contract process, help you understand conditions, and ensure everything runs smoothly from offer to settlement.

5. Partner With an Experienced Local Agent

Buying through Elders Real Estate Albany means having the support of a trusted local team. I’ve helped many first home buyers navigate the process — from viewing properties to understanding finance timelines and settlement terms. Having a professional on your side means fewer surprises and a smoother path to ownership.

6. Think Long-Term

Your first home is not just a place to live — it’s an investment in your future. Focus on location, build quality, and potential for growth. In Albany, properties with good natural light, modern layouts, and low maintenance appeal tend to hold value well. Take your time, ask questions, and buy with a plan that supports your next step.

7. Why Albany Is a Great Place to Buy

Albany’s combination of coastal lifestyle, strong community, and affordable property prices makes it one of WA’s most attractive regional markets. The city offers everything from modern homes in McKail to charming cottages near the harbour. Whether you’re after a starter home or your forever place, Elders Albany provides insight, trust, and results.

For a closer look at what makes this region special, check out Albany’s seasonal real estate trends or read more about real estate costs and commissions before you start searching.