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People who own and live in mobile homes or manufactured homes not affixed to a foundation qualify for the first-time home buyer designation. People who live in homes that are in violation of local building codes or whose homes would cost more to fix than to buy a different home also qualify as first-time home buyers.
As a first home buyer, there are two main ways that your parents can assist you with your purchase: 1  Guaranteeing your loan: If your parents offer their home or an investment property as additional security for your loan, then the bank can lend you up to 110% of the property value with no. 2  and a low interest rate!hanks to the federal governmentâs first home owners grant, various other government subsidies and a range of new discounted 100% first home buyer loans, itâs easier than ever to buy your first home without a deposit.