The FHOG boost will end on 30th September 2009.  This will reduce the total amount of FHOG available for first home buyers, but there still will be a FHOG as well as the stamp duty concessions (which vary from state to state).

There are still a couple of lenders who provide 90% loans with no genuine savings, this means that first home buyers can use gifts, tax refunds or even personal loans (not optimal) to add to their FHOG to provide them with the required 10% deposit. 

Given the end of September deadline, now is the time for brokers to contact those people who have made inquiries with them over the past 12 months for First Home buying opportunities and to explore the possibility of helping these people to buy prior to the boost expiring.

Remember that for clients who don't have genuine savings, the lenders will focus upon a clear credit history and adequate serviceability.