First Home Loans

Entering the property market is one of the most significant financial decisions you’ll ever make. From navigating complex contracts and deciphering jargon-filled paperwork to handling inspections and finalising the deal, we’re here to guide you with clarity and confidence.

Just as each home on your shortlist is unique, so too is every loan. We’re here to guide you through every step, breaking down the complexities so you can make informed decisions. With access to more than 40 lenders, we’ll work to secure the loan that best fits your needs for your first home.

Calculators

Estimate your borrowing capacity, calculate your future repayments or find out how much sooner youcould pay off your loan.

Let’s Get Started

It all begins with just a few minutes of your time to answer a few simple questions. After that, we'll arrange a meeting—either in person or online—to discuss your goals, opportunities, and the best path forward.

Your Objectives

Once we understand your needs, we'll research available products across our panel of lenders to find the loan options that best align with your objectives. All our clients receive a written recommendation which explains the pros and cons.

The Details

Found the product that’s right for you? We’ll prepare the paperwork ready for you to sign. You can focus on the next steps while we handle the details.

Discover Your Borrowing Power

Once your pre-approval is approved, you'll know exactly how much you can borrow. This amount is valid for three months, giving you a clear budget for your house hunt.

Seal the Deal

After you've found your new home and made an offer, we’ll track your application to ensure it remains on track.

Settlement Day

Get ready for the big day—settlement! Enjoy the moment; we'll notify you as soon as everything is finalised and your lender releases the funds.

First Home Buyer FAQs

How much deposit will I need

It depends. If you have 20% deposit, you can generally access competitive interest rates without the need for lenders mortgage insurance (LMI). If you do need insurance, the costs will vary from lender to lender, so it’s important that your broker be aware of all options. There are also government programs such as the First Home Guarantee which allow eligible borrowers to obtain finance with as little as 5% deposit. Some lenders also offer waivers for borrowers based on occupation and even which postcode you are buying in.

How much can I borrow?

Borrowing capacity refers to how much you can borrow based on your current circumstances. Each lender has a different formula for calculating borrowing capacity, meaning that your capacity will vary from lender to lender. Key factors affecting your borrowing capacity across all lenders include:

● Your income, including any investment income

● Your ongoing expenses, as well as the number of dependents you have

● Your liabilities, including other debts, credit cards, store cards etc

CONTACT US

Let’s get your next loan sorted!

CALL US

0413 195 126

BOOK APPOINTMENT

Schedule a consultation

ASK A QUESTION

How can we help?

Top New South Wales Suburbs

Balmain, New South Wales

Bondi Beach, New South Wales

Bowral, New South Wales

Castlecrag, New South Wales

Clovelly, New South Wales

Double Bay, New South Wales

Elizabeth Bay, New South Wales

Hunters Hill, New South Wales

Lane Cove, New South Wales

Longueville, New South Wales

Mosman, New South Wales

Northwood, New South Wales

Palm Beach, New South Wales

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Sydney, New South Wales

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Woollahra, New South Wales

Bellevue Hill, New South Wales

Bronte, New South Wales

Byron Bay, New South Wales

Clontarf, New South Wales

Cremorne, New South Wales

Dover Heights, New South Wales

Gordon, New South Wales

Kirribilli, New South Wales

Lavender Bay, New South Wales

Milsons Point, New South Wales

Northbridge, New South Wales

Paddington, New South Wales

Point Piper, New South Wales

Queens Park, New South Wales

Roseville, New South Wales

St Ives, New South Wales

Tamarama, New South Wales

Turramurra, New South Wales

Wahroonga, New South Wales

Woolwich, New South Wales

Top South Australian Suburbs

North Adelaide, South Australia

Malvern, South Australia

Unley Park, South Australia

Kensington Park, South Australia

Brighton, South Australia

Burnside, South Australia

Henley Beach, South Australia

Semaphore, South Australia

Medindie, South Australia

Toorak Gardens, South Australia

Springfield, South Australia

Glenelg, South Australia

Walkerville, South Australia

Prospect, South Australia

Norwood, South Australia

Top Western Australian Suburbs

Peppermint Grove, Western Australia

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North Fremantle, Western Australia

Dalkeith, Western Australia

City Beach, Western Australia

Applecross, Western Australia

Swanbourne, Western Australia

South Perth, Western Australia

Mount Claremont, Western Australia

Mosman Park, Western Australia

Terms & Conditions

IDR