First home buyers

Building your dream home is easy with Carlisle Homes

Buying your first home is a big step, but with Carlisle Homes you’ll find the process easy-to-understand, enjoyable and a journey to remember.

At this point, you probably have a stack of questions about buying your first new home. To help you through the process we’ve put together a helpful guide.

The home building process An easy-to-follow journey so you’ll know what to expect, what to do and when.

First Home Owner Grant (FHOG) information There's never been a better time to get into the market!

Finance and loan calculator for first home buyers We make it easy to find the right home loan for you.

FAQs for first home buyers Got a question? The answer is probably here!

Suitable Homes Ideal home designs for first home buyers.

Testimonials and success stories Read what our home owners have to say about their Carlisle Homes journey.

First home buyers house & land packages Packages make it easier and faster to get into a home of your own.

New home building process

As a first home buyer, you’ll be happy to know that our home building process is an easy-to-follow and enjoyable journey. We’ll outline every step of the process, so you know exactly what to expect, what to do and when. View our process and timeline.

Affinity collection and T-Range build process document

EasyLiving build process document

  • Pre Site
      • 01 New home selection. Congratulations. This marks the start of your journey with Carlisle Homes and where we start looking at the best siting options whilst you look at styling options for your new home.
      • 02 Spectra appointment. One of the most exciting and fun steps of building your new home is choosing interior and exterior colours, surface finishes, floor coverings, appliances and fixtures. Allow at least half a day or more for your appointment at the Spectra Selection Centre.
      • 03 Tender. This is the stage where we prepare your tender to build, based on your sales quote, soil, survey and preliminary engineering.
      • 04 Contract sign off. Here’s where it all starts to become a reality! It’s time for the preparation of the building contract and working drawings for your review, approval and sign off.
      • 05 Site start preparation. Now your contract is signed, there are a few steps to cover off before your new home is ready for site start. This phase includes confirmation of loan approval and documentation (not required if you’re using Loan Studio). Construction drawings mailed to you for final review and sign-off.
  • Construction Process
      • 06 Site start. The official start of the construction process! Your Client Liaison Executive will provide you with requirements to prepare for site start.
      • 07 Base stage. The concrete slab is laid - your first major construction milestone!
      • 08 Frame stage. The carpenters arrive! House wall frames and roof trusses go up. And a qualified Building Surveyor completes a Quality Control Inspection.
      • 09 Lock-up stage. Brickwork, roof tiles, external doors and windows are put in place.
      • 10 Fixing stage. Plaster installed to internal walls and ceilings. Skirting boards, architraves, internal doors, and kitchen and bathroom cabinets.
      • 11 Completion stage. Painting and tiling completed. Electrical and plumbing fit-offs, stone bench tops (where applicable), door furniture, shower screens and mirrors are installed. Any external render (where applicable) will also be completed. The final stage of construction! Time to call the removalists and book a date!
      • 12 Settlement. Congratulations! Your new home has been completed and is ready for you to move in! On the day of settlement the Construction Supervisor will conduct an on-site handover. Appliances will be installed at an agreed time after settlement has taken place.
  • Warranty
      • 13 Introduction and inspection. Three months after settlement we’ll carry out the Carlisle Homes 100-point Warranty Inspection to make sure everything is just how you wanted it.
      • 14 Agreed works. Need anything touched up? Here’s where we’ll organise the work.
      • 15 Completion of works. All agreed works are done! Your building process is now complete and you’re free to enjoy living in your brand new home! Congratulations.

First Home Owner Grant

The Victorian Government’s First Home Owner Grant scheme makes it more affordable for first home buyers to get into the home of their dreams.

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Applying for the First Home Owner Grant
As a first-time home owner you may be eligible for the Victorian Government’s First Home Owner Grant. The grant makes it easier for you to get into the property market and start to benefit from land and property value growth.

Applying for the First Home Owner Grant can be a complicated process, we’ll guide you step-by-step and answer any questions you might have.

How will I know if I’m eligible for the First Home Owner Grant?
The State Revenue Office of Victoria has certain criteria to ensure that you are eligible to receive the First Home Owner Grant. Please read about your Eligibility to receive the grant on the SRO website.

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How much is the First Home Owner Grant?
First home owner’s can receive $10,000 if they are buying or building a new home valued up to $750,000.

First-home buyer duty exemption or concession – a one-off duty exemption for a principal place of residence valued up to $600,000, or a concession for a principal place of residence with a dutiable value from $600,001 to $750,000.

For the most up-to-date information please see the First home owners section on the State Revenue Office website.

When will the grant be paid?
When the grant is paid varies depending on whether you’re buying a newly built home, you’re building from scratch, or buying off the plan. Read more on the SRO website When will the grant be paid?

Finance for first home buyers

Figuring out finance is possibly the most critical step when you’re buying your first new home. At Carlisle Homes our job is to make the process as easy as possible.

Need assistance with your first home loan?
Loan Studio is an exclusive, industry-leading construction finance team available 7 days a week to take the hard work out of finding the right home loan for you.

We will spend the time asking the right questions, do all the research and then provide you with a loan that is tailored to your needs and specific requirements.

How much can I save?
When it comes to buying your first home, the more money you have saved the less money you need to borrow. Saving money is easier with a clear goal in mind, so try our savings calculator to see how much you can accumulate over time with regular deposits based on a specific interest rate.

How much can I afford to borrow?
Figuring out a loan amount that you can afford to pay back each month is critical to buying your first home. Use our Loan Calculator to see how much you need to pay on your mortgage each week or each month.

We’ll help you to:

  • Determine the amount you can afford to borrow.
  • Compare financial products of all major banks and lenders to find the right loan and structure for you.
  • Understand your deposit requirements and how family members with equity can help you get started.
  • Be fully aware of all the costs and fees you need to account for when you're buying a home, including: application fees, stamp duty, legal fees, insurance and any other expenses.
  • Check your eligibility for and complete the first home owner’s grant application.
  • Complete a loan application.
  • Pay your loan off faster with simple budget tips.
  • Choose a Conveyancer

First home owner FAQs

  • How much money can I afford to borrow?
    • Use a Loan Calculator to find out how much you need to pay on your mortgage each week, or talk to one of our Loan Studio Consultants and they’ll help you find the answer to this critical question.

  • How do I find the home loan that is best for me?
  • How much do I get for the First Home Owner Grant?
    • From 1st July 2013 first home owner’s can receive $10,000 if they are buying or building a new home valued up to $750,000.

      Read more about applying for the First Home Owner Grant.

  • How do I know if I qualify for a home loan?
    • Find out if you qualify with a fast and easy, obligation-free pre-qualification check. Please enquire now or call 03 9560 1779 to speak to one of our First Home Buyers' Specialist Consultants.

  • Does Carlisle Homes build in my area?
    • Carlisle Homes build in premier suburbs across Melbourne’s north, south east and west including Geelong. To see if Carlisle builds in your area see where we build.

  • Does Carlisle Homes guarantee build time?
    • Yes. We guarantee the completion date of your home regardless of the changes made to it. This means the date we tell you your new home will be ready is the date you can move in. Guaranteed.

  • I’m on a really tight budget, but I want to get off the rent spiral! Do you have house & land packages suitable for first home buyers?
  • Which home designs are best for first home buyers?
  • Can you guide me through the building process?
    • Yes. We guide you through every step of the process, so you know exactly what to expect, what to do and when to do it. For more information please see our Building Process.

Suitable homes

Looking for all the features you need at an affordable price? Carlisle offer more standard inclusions than any other home builder.

The EasyLiving series - perfect for first home buyers

Carlisle Homes has a wide variety of new home designs to choose from, but the EasyLiving series is ideal for first-time home buyers. With all the features you need at an affordable price, this range of six-star energy efficient homes, gives first home buyers an easy entry into the housing market with stylish, low maintenance living.

The EasyLiving series has been designed for compact blocks, delivering smarter living choices without compromising on space or quality. You’ll also be happily surprised by the range of high quality inclusions above and beyond what you’d expect for the price – and a level of superior value unexpected from a volume builder.

Our EasyLiving series includes:

  • Six-star energy rating
  • Intelligent design with smart floor plans
  • Great range of high quality no-cost inclusions
  • Everything you need at an affordable price
  • Sizes from 16-33 squares

First home buyers house & land packages

House & land packages and ex-display homes are the perfect choice for first time home buyers.

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Realise your dream easier and faster
Buying a house & land together as a package makes moving into your new home much simpler, more affordable – and most importantly, faster. You eliminate all the fuss of hunting for the ideal block to fit your new home - or the ideal home to fit your existing block - so you’re free instead to focus on the fun stuff like paint colours, surface finishes, and other interior design features.

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House & land packages across Melbourne
Our experienced House & land team work with trusted land developers to perfectly match our homes with the best blocks available. This relationship allows us to offer first home buyers fixed price house & land packages. A fixed price means the price you see listed is the fixed price you pay. There are no hidden extras or additional costs.


House & land package features

Carlisle has a huge selection of one and two storey house & land packages in great locations all across Melbourne, all packages include:

  • Fixed price guarantee on all site costs.
  • Extensive range of high quality standard inclusions.
  • Opportunity to personalise your home through the Spectra Selection Centre.
  • Foundations and connections.
  • Developer guidelines, covenants and council requirements.

Ready to get started?
It's easy as 1,2,3!

2.

FIND

Find a package that suits your needs.

3.

CONTACT

Contact us and we'll show you how easy it is to secure your new home!

Enquire now

Are you a first home buyer? Enquire below or contact us on 03 9560 1779 to speak to a new home specialist!

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