First Home Buyer Guide

Buy Your First Home in Kogarah

Modern apartments from $560K with hospital and station walking distance—ideal for medical professionals entering the market.

$560K

Entry Unit Price

$1.55M

Entry House Price

7/10

FHB Suitability

14km

to Sydney CBD

Start Your Search Check Your Eligibility

First Home Buyer Grants & Incentives 2026

NSW offers generous support for first home buyers. Here's what you may be eligible for when buying in Kogarah.

First Home Owner Grant (FHOG)

$10,000

New homes up to $750,000

Stamp Duty Exemption

Up to $31,000 saved

Properties under $800,000

First Home Guarantee

5% deposit (no LMI)

Income up to $125,000 (single) / $200,000 (couple)

Family Home Guarantee

2% deposit

Single parents with dependents

Calculate Your Savings

Why Kogarah is Great for First Home Buyers

Kogarah scores 7/10 for first home buyer suitability. Here's why.

Affordability

Entry units from $560K
Entry houses from $1.55M
Stamp duty exemption for units under $800K

Commute & Transport

Kogarah Station (T4, T8 Lines)
Express buses to CBD
Airport 10km
14km to CBD

Lifestyle & Amenities

St George Hospital
Kogarah Town Centre
Kogarah Station

Growth Potential

Kogarah has grown 7.5% (houses) and 4.8% (units) in the past 12 months. Your first home could be a strong long-term investment.

+4.8%

Unit Growth (12 months)

5 Steps to Buying Your First Home in Kogarah

Get Pre-Approved

Talk to a mortgage broker to understand your borrowing capacity and get pre-approval.

Research & Shortlist

Work with Michael to identify suitable properties in your budget and preferred areas.

Inspect Properties

Attend open homes and private inspections. Michael will highlight pros and cons of each.

Make an Offer

Michael guides you through negotiations or auction strategy to secure your first home.

Settlement & Keys

Complete the purchase with your conveyancer and collect the keys to your new home!

What Kogarah Clients Say

Real results from real clients in Kogarah and surrounding suburbs

“Michael's knowledge of the St George market was invaluable. He achieved a price well above our expectations.”

James & Sarah T.

Family Home • St George • 2025

“Professional, responsive, and genuinely cares about his clients. Would recommend Michael to anyone buying or selling.”

Maria C.

Investment Unit • St George • 2025

“After 25 years in our family home, Michael made the transition to a smaller property seamless and stress-free.”

David L.

Downsizer Villa • St George • 2024

First Home Buying FAQs for Kogarah

Common questions about buying property in Kogarah

What grants are available for first home buyers in NSW?

NSW first home buyers can access: First Home Owner Grant ($10,000 for new homes), stamp duty exemptions for properties under $800,000, and the First Home Guarantee Scheme (5% deposit with no LMI).

How much deposit do I need?

With the First Home Guarantee Scheme, you may only need 5% deposit. Otherwise, standard deposits are 10-20%. Michael can connect you with mortgage brokers who specialise in first home buyer lending.

What are the hidden costs of buying?

Budget for: stamp duty (unless exempt), conveyancing ($1,500-2,500), building & pest inspection ($400-600), and loan establishment fees. Michael provides a free buyer's cost calculator.