Your first home starts with the right loan.
Buying your first home is a major step. From understanding how much you can borrow to navigating government schemes, contracts and settlement, there is a lot to get right. We make the process easier by helping you understand your options, compare suitable lenders and move confidently from your first assessment to owning your home.
From your first conversation to settlement
Understand your position
Before you start looking at properties, we assess your income, expenses, existing commitments and deposit to establish your borrowing capacity. You'll know what you can realistically afford — and what your upfront costs may look like.
Find the right loan
We compare home loan options across a broad panel of Australian lenders to identify a structure that suits your circumstances, whether you're looking for a competitive rate, flexibility, a low-deposit option or specialist lending.
Get pre-approved
A pre-approval gives you a clearer price range before you start making offers. It can also put you in a stronger position when you're ready to negotiate on a property.
Buy with confidence
Once you've found the right property, we help coordinate the finance process and work alongside your lender and conveyancer through to settlement.
You may not need a 20% deposit
A large deposit isn't the only pathway into your first home. Some eligible buyers may be able to purchase with a deposit as low as 5% without paying Lenders Mortgage Insurance under applicable government schemes. Eligibility and requirements vary by state and individual circumstances.
Depending on your circumstances and eligibility, you may be able to access:
- First Home Guarantee schemes
- First Home Owner Grants
- Stamp duty concessions
- Low-deposit lending
- Guarantor arrangements
- Specialist lending solutions
Your circumstances don't have to be straightforward.
The right lender isn't always the biggest bank. Our job is to understand your situation and identify lenders whose policies fit it.
We work with a range of borrowers, including:
- First-time buyers with smaller deposits
- Self-employed applicants
- Temporary visa holders
- Buyers with unusual income structures
- Applicants requiring specialist lending
- Buyers exploring guarantor arrangements
- Professionals eligible for LMI concessions
What to have ready
Before applying, it helps to have:
- Evidence of your income
- Details of your existing debts and expenses
- Your deposit and savings history
- Identification and visa documentation where applicable
- Information about your intended property
- Details of any government scheme you may qualify for
A few things first-home buyers often overlook
Pre-approval isn't final approval.
Your circumstances and the property itself may still need to be assessed before the loan is formally approved.
Don't stretch your budget to the absolute limit.
Allow room for stamp duty, conveyancing, inspections, insurance, moving costs and unexpected expenses.
Be careful with your finances during the application.
Changing employment, taking on new debt or significantly changing your financial position can affect your application.
Understand the contract before signing.
Your mortgage broker and conveyancer play different roles, and both can be important before you commit to a purchase.
Your first home. A clearer way forward.
We'll help you understand your borrowing position, explore your loan options and guide you through the process from application to settlement.
Book a free, no-obligation consultation.Got Questions?
Frequently Asked Questions
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